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首页> 外文期刊>European Journal of Business and Management >Oromia Credit and Saving Share Company (OCSSC) in Strengthening Small and Micro Enterprises (SMEs) of Guder Town, Toke Kutaye District, West Shoa Zone of Oromia Regional State, Ethiopia
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Oromia Credit and Saving Share Company (OCSSC) in Strengthening Small and Micro Enterprises (SMEs) of Guder Town, Toke Kutaye District, West Shoa Zone of Oromia Regional State, Ethiopia

机译：Oromia信贷和储蓄股份公司（OCSSC）加强埃塞俄比亚Oromia州州西Shoa区Toke Kutaye区Guder镇的小微企业（SME）

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In Ethiopia, several microfinance institutions (MFIs) have established and have been operating towards resolving the credit access problem of the poor particularly to those who participates in the petty business like SMEs. The objectives of the study were to assess the roles of MFIs in strengthening SMEs, examine the preference level of MFIs than others, and identify factors affecting SMEs in accessing MFIs in a specified area. The study used both primary and secondary data sources. The primary data was collected via close ended questionnaire while secondary data gathered from different documents of the MFIs and internet. Both purposive and random sampling techniques were used to select 60 sample size using Probability Proportional to Size (PPS) in which 22 and 38 of them were from 01 and 02 kebeles respectively. Quantitative data was analyzed using descriptive statistics such as arithmetic mean, standard deviation, frequency and percentage, figures, and charts while description, narration, and interpretation were used for qualitative data analysis. The finding reveals OCSSC was highly preferred due to benefiting SMEs providing easy loan access, low interest charge, and opening saving account. However, SMEs encountered absence of loan as per demand, insufficient supervision, training, and advice, high tax charge, lack of working place, market connection problem, and lack of advanced technology-based services. The study recommends MFIs should provide sufficient supervision, training, and advice, grant amount of demanded as much as possible, and deliver advanced technology-based services for SMEs while the government should overcome high tax charge, lack of working place, and marketing problem.
机译：在埃塞俄比亚，一些小额信贷机构已经建立并正在努力解决穷人的信贷获取问题，特别是对于那些参加像中小企业这样的小规模业务的人而言。该研究的目的是评估小额信贷机构在加强中小企业方面的作用，检查小额信贷机构相对于其他机构的偏好水平，并确定影响中小企业在特定地区获取小额信贷机构的因素。该研究使用了主要和次要数据源。主要数据是通过封闭式调查表收集的，而次要数据是从小额信贷机构和互联网的不同文档中收集的。目的和随机抽样技术均使用概率与大小成比例（PPS）来选择60个样本大小，其中22个和38个分别来自01和02 kebeles。使用描述性统计数据（例如算术平均值，标准差，频率和百分比，数字和图表）分析定量数据，同时使用描述，旁白和解释进行定性数据分析。调查结果表明，由于受益于提供便捷贷款，低利息费用和开设储蓄账户的中小企业，OCSSC受到高度青睐。但是，中小企业遇到了按需贷款，监管，培训和咨询不足，税费高昂，工作地点不足，市场联系问题以及缺乏先进技术服务的问题。研究建议，小额信贷机构应提供足够的监督，培训和建议，尽可能多地提供需求量，并为中小企业提供先进的基于技术的服务，而政府应克服高额税收，工作场所不足和市场营销问题。

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