MAISHA HURU BLOG

  ANALYSIS OF FACTORS DETERMINING SMALL BUSINESS PERFORMANCE INTRODUCTION Background Information In order to achieve sustainable economic growth in developing countries, it is crucial for enterprise performance to be improved. A positive relationship has been documented between small-business development and economic growth in developed countries (Harris and Gibson, 2006; Sauser, 2005). Small businesses have been the way across that accelerated commercial development and through which quick development has been attained (Francis, 2000). Furthermore, small business has been understood as a feeder ability to large- scale industries (Wolfenson, 2001). Strong economies like the United States of America and the United Kingdom trace their development from growth and development of their SMEs (Hatega, 2007).     According to Subhan et al. (2013), Small and Medium Enterprises are the driving force for the promotion of an economy. Due to their significance, all the countri...

MICRO-CREDIT AND GROWTH OF SMALL AND MEDIUM ENTERPRISES   1.0 INTRODUCTION 1.1 Background of the Problem The importance of financial services to Small and Medium Enterprises (SME’s) cannot be overemphasized. Small and medium enterprises, particularly those in developing countries need a range of enabling and sustainable financial services in order to enable them to effectively exploit abundant resources in their areas and fulfill their productive potential (Nwanna, 2000; and Akisimire, 2010). It has however been noted by scholars like Hogan (2001) that the financial service sector focuses its success on the effective management of credit risk. This has therefore triggered financial services providers to put more emphasis on credit terms while lending to clients especially the SME borrowers. This is because MFIs consider lending to small businesses as profitable though a risky business. This leaves MFIs with no option but to lend to SMEs though at unfavorable credit terms. Cob...

CONTRIBUTION OF MICROCREDIT ON FINANCIAL PERFORMANCE OF SMALL AND MEDIUM ENTERPRISES INTRODUCTION Introduction This chapter gives the introduction to the proposed study by describing the background information, statement of the problem, objectives of the study with both general and specific objectives as well as research questions.   1. 1 Background Information Microfinance has become a vital tool for poverty reduction in many parts of the world especially in developing economies for providing financial services. Lack of access to credit is generally seen as one of main reasons why many people in developing economies remain poor (Hermes and Lensink, 2007). Poverty reduction has been the foremost target of Microfinance Institutions (MFIs); therefore, an increase in number of MFIs is an indicator for the growth and success of micro-finance especially in the rural areas (Ullah and Routray, 2007). MFIs target poor through innovative approaches which include group lending, progr...

 CONTRIBUTION OF EMPLOYEE-BASED SAVINGS Background to the study  Savings and credit cooperative Societies (SACCOS) are Cooperative Societies which are owned by people with a common bond. In this regard, people voluntarily join together and agree to contribute their money to the cooperative and lend that money to one another during times of financial hardship at an agreed rate of interest for productive and provident purposes. As such it is a cooperative which operates in the financial system; it is a legal entity, which enhances pooling together finance for the benefit of members (URT, 2003).    The development of SACCOS in the world started at different times in different countries. In 1849, in Germany, William Raiffesein started the first savings and credit cooperative to assist farmers to overcome economic problems. The type of SACCOS which was formed was the Raiffesein model.   Raiffesein wanted to make credit accessible to farmers based on Christ...

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MAUMIVU YA KWAPA / KIKWAPA | Chanzo, Dalili na Tiba Karibu nawe utapata kujua juu ya maumivu ya kwapa kwanzia: Sababu za Maumivu ya Kwapa/Kikwapa Wakati wa kuona daktari kuhusu Maumivu ya Kwapa/Kikwapa Tiba za nyumbani ya Maumivu ya Kwapa/Kikwapa Matibabu ya Maumivu ya Kwapa/Kikwapa Utangulizi kuhusu Maumivu ya Kwapa/Kikwapa Watu wengi hupata maumivu ya kwapa / kikwapa wakati fulani katika maisha yao. Maambukizi madogo na overexertion mara kwa mara kwenye mzizi wa maumivu. Walakini, maumivu ya kwapa inaweza kuwa ishara ya hali zingine mbaya zaidi za kiafya. Chini ya kawaida, maumivu ya kwapa yanaweza kuonyesha uvimbe wa limfu au uwepo wa saratani ya matiti . Katika nakala hii, tunashughulikia sababu za kawaida za maumivu ya kwapa, wakati wa kuonana na daktari, na jinsi ya kutibu maumivu yanapotokea. Sababu ya Maumivu ya Kwapa Sababu nyingi tofauti zinaweza kusababisha maumivu ya kwapa. Sababu nyingi zinaweza kuchangia au kusababisha maumivu ya kwap...