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Exploring the Strategies for Accessing Microloans Used by Small and Medium Enterprises

机译：探索中小企业使用的小额信贷战略

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摘要

The inability of small and medium enterprises to access microloans from microfinance banks is a major concern in business growth and development in Nigeria. The purpose of this descriptive phenomenological study was to explore strategies for accessing microloans from microfinance banks by owners of small and medium enterprises for business growth and survival. Using the conceptual framework on social capital theory, I selected 20 small and medium enterprises owners who have accessed microloans from microfinance banks and have operated their businesses beyond 5 years with significant growth were interviewed using face-to-face semistructured interviews. Data were collected using semistructured interviews and reviews of company documents. The use of member checking strengthened the trustworthiness of the interpretation of the participants' responses. A phenomenological approach was used for the qualitative interview with data analysis using a descriptive method. Nine themes emerged from this study: Obtaining a saving account before accessing microloans, group members serving as collateral, business social networks, business sustainability strategies, historical financial health, maintaining loan repayment deadlines, archiving business documents, use of competent guarantors, and strength and weakness analyses. The findings of the study may contribute to positive social change to create awareness among SMEs leaders in federal and state government, and individuals on how to gain access to microloans, thereby improving profitability, generating employment, reducing poverty, and enhancing standards of living among SME owners in Nigeria.
机译：中小型企业无法从小额信贷银行获得小额贷款是尼日利亚业务增长和发展的主要关切。描述性现象学研究的目的是探索中小型企业所有者从小额信贷银行获取小额贷款的策略，以促进业务增长和生存。我使用社会资本理论的概念框架，选择了20家中小型企业所有者，他们通过面对面的半结构化访谈对从小额信贷银行获得小额贷款并经营其业务超过5年且增长显着的企业进行了访谈。使用半结构化访谈和对公司文档的审查来收集数据。成员检查的使用增强了参与者回答解释的可信度。现象学方法用于定性访谈，并使用描述性方法进行数据分析。这项研究提出了九个主题：获得小额贷款之前获得一个储蓄帐户，作为抵押的小组成员，企业社交网络，企业可持续发展战略，历史财务状况，维持贷款还款期限，归档企业文件，使用有能力的担保人，实力和弱点分析。该研究的结果可能有助于积极的社会变革，从而提高联邦和州政府中小型企业领导人以及个人对如何获得小额贷款的认识，从而提高利润率，创造就业机会，减少贫困并提高中小型企业的生活水平尼日利亚的业主。

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  • 作者

    Kashim Olanrewaju, Abdul Rashid.;

  • 作者单位

    Walden University.;

  • 授予单位 Walden University.;
  • 学科 Finance.
  • 学位 Ph.D.
  • 年度 2018
  • 页码 146 p.
  • 总页数 146
  • 原文格式 PDF
  • 正文语种 eng
  • 中图分类 建筑科学;
  • 关键词

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