Title
Financial and NonFinancial Determinants of Access to Bank Credit,Used
Delivery time: 8-12 business days (International)
This book examines the various factors of credit worthiness in order to assess their influence on access to bank credit by small and medium sized enterprises (SMEs). Finance has been identified in many business surveys as one of the most important factors determining the survival and growth of SMEs in both developing and developed countries. Access to finance enables SMEs to participate in productive investments, thus ensuring their competitiveness and that of the nation as a whole. Despite their dominant numbers and importance in job creation, small and medium enterprises often face difficulty in obtaining bank credit. A review of the literature on financing small and medium sized enterprises shows that there is a gap in knowledge of the determinants of access to bank finance by the SMEs in developing countries such as Kenya. Most studies are limited in scope. Therefore, this study investigated both financial and non financial factors which determine access to bank credit by SMEs in Kenya.
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Shipping & Returns
Shipping
We ship your order within 2–3 business days for USA deliveries and 5–8 business days for international shipments. Once your package has been dispatched from our warehouse, you'll receive an email confirmation with a tracking number, allowing you to track the status of your delivery.
Returns
To facilitate a smooth return process, a Return Authorization (RA) Number is required for all returns. Returns without a valid RA number will be declined and may incur additional fees. You can request an RA number within 15 days of the original delivery date. For more details, please refer to our Return & Refund Policy page.
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Warranty
We provide a 2-year limited warranty, from the date of purchase for all our products.
If you believe you have received a defective product, or are experiencing any problems with your product, please contact us.
This warranty strictly does not cover damages that arose from negligence, misuse, wear and tear, or not in accordance with product instructions (dropping the product, etc.).
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Your payment information is processed securely. We do not store credit card details nor have access to your credit card information.
We accept payments with :
Visa, MasterCard, American Express, Paypal, Shopify Payments, Shop Pay and more.