Micro Small-sized Enterprises and Bank Credit

Agyenim Boateng and Muhammad D. Abdulrahman
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Agyenim Boateng: Agyenim Boateng (corresponding author), Huddersfield University Business School, University of Huddersfield, Huddersfield, HD1 3DH, UK. E-mail: agyenim5@gmail.com
Muhammad D. Abdulrahman: Muhammad D. Abdulrahman, Nottingham University Business School, University of Nottingham, China Campus, PR China.

Journal of Emerging Market Finance, 2013, vol. 12, issue 2, 129-150

Abstract: Micro small-sized enterprises play a vital role in poverty reduction and development of many developing countries. Yet the issue of credit availability to small firms continues to be a major problem which impedes the growth of micro-small enterprises. This article examines the factors influencing the extension of bank credit to micro small-sized enterprises based on a sample of 572 in Ghana and Nigeria. The results indicate that size of the firm, age of the firm, ownership type and relationship banking have a positive bearing on a decision to extend credit to small firms in West Africa. JEL Classification: G21, N27

Keywords: Small-sized enterprise; bank credit; West Africa (search for similar items in EconPapers)
Date: 2013
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Persistent link: https://EconPapers.repec.org/RePEc:sae:emffin:v:12:y:2013:i:2:p:129-150

DOI: 10.1177/0972652713494043

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