Impact of Credit Supply Constraints Among Micro, Small and Medium Scale Enterprises Within Kaduna Metropolis
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Authors: Aliyu Saidu Aliyu;<br> Ahmed Ahmed
Affiliations: Department of Business Administration, Edo State University Iyamho, Edo, Nigeria
Corresponding Author: editor.ejbam@edouniversity.edu.ng
Published in: ESUI Business and Management Journal, Volume 1, Issue 1 (2024)
Pages: 176-180
ISSN: 1595-5656
Views: 87 | Downloads: 30
Status: Approved
License: Creative Commons Attribution 4.0 International
Abstract
This paper examines the barriers that micro, small, and medium-sized businesses face when trying to obtain finance, as well as potential solutions. Eight MFBs operating within the three political zones of Kaduna Metropolis were interviewed in order to gather responses from specialists in the field of microfinance lending. As a result, it was determined that transaction costs, internal limitations, sociocultural limits, and environmental policy constraints are the four primary obstacles that keep small enterprises from accessing loans.
Even if the data point to a number of factors that restrict the availability of loans, participant responses suggest that socioeconomic factors are pervasive. The study offers suggestions on how to address this issue and increase small firms' participation in the financing sector.
Keywords
Credit Supply, Medium Small-Scale Enterprises
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Format: PDF | Size: 510 KBHow to Cite
Aliyu Saidu Aliyu; Ahmed Ahmed. (2024). "Impact of Credit Supply Constraints Among Micro, Small and Medium Scale Enterprises Within Kaduna Metropolis." ESUI Business and Management Journal, 1(1), 176-180.
Publication Timeline
- Received: December 5, 2024
- Accepted: December 5, 2024
- Published: December 5, 2024
- Last Updated: April 19, 2026
DC.Title: Impact of Credit Supply Constraints Among Micro, Small and Medium Scale Enterprises Within Kaduna Metropolis DC.Creator: Aliyu Saidu Aliyu; Ahmed Ahmed DC.Date.issued: 2024-12-05 DC.Source: ESUI Business and Management Journal DC.Source.Volume: 1 DC.Source.Issue: 1 DC.Identifier: 18 DC.Language: en DC.Type: Text.Serial.Journal DC.Rights: Copyright (c) 2024 Aliyu Saidu Aliyu; Ahmed Ahmed DC.Rights.License: CC BY 4.0 DC.Identifier.PDF: https://esuibusinessjournal.com/uploads/manuscripts/693d9b70ddd6e_Impact_of_Credit_Supply_Constraints_Among_Micro__Small_and_Medium_Scale_Enterprises_Within_Kaduna_Metropolis.pdf