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Influence of Collateral Security on Performance of SMEs in Turbo Sub County, Kenya

机译：抵押品安全对肯尼亚Turbo Sub县中小企业绩效的影响

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摘要

Access to credit is a prerequisite for growth of any firm within the economy. It improves firms’ performance, facilitate market entry, growth of companies and promotes innovation and entrepreneurial activity. Small and medium enterprises play an important role of economic growth and on a macro level bring about employment within the economy. SMEs have been unable to access credit to lubricate their businesses due to their limited track record, limited acceptable collateral security, and inadequate financial statements, business plans among others. This has hence attracted the attention of scholars and policy makers. However, there has been disagreement among scholars on the relationship between access to credit and performance of these firms. The purpose of this study was therefore to access the influence of collateral security on performance of SMEs in Turbo s sub county, Kenya anchoring on the credit access theory. The study used a sample of 340 from a population of 2,901 entrepreneurs using both descriptive and correlational research design. From the regression results, the study concluded that collateral security had a positive and significant influence on access to credit hence performance of SMEs. Firms with collateral security accessed loans easily as opposed to those with none. The research hopes that the findings of this study will contribute significantly to the existing literature on access to credit and performance of SMEs.
机译：获得信贷是经济体内任何公司成长的先决条件。它提高了公司的绩效，促进了市场准入，公司的成长，并促进了创新和创业活动。中小企业在经济增长中发挥着重要作用，并在宏观上带来经济中的就业。由于中小型企业的往绩记录有限，可接受的抵押品安全性不足，财务报表，商业计划书不足等原因，中小型企业一直无法获得信贷来润滑其业务。因此，这引起了学者和决策者的注意。但是，学者之间在获得信贷和这些公司的业绩之间的关系上存在分歧。因此，本研究的目的是根据信贷准入理论，了解抵押担保对肯尼亚Turbo县的中小企业绩效的影响。这项研究使用了描述性和相关性研究设计，从2 901名企业家中抽取了340名样本。根据回归结果，该研究得出结论，抵押品担保对获得信贷以及中小企业的绩效产生了积极而显着的影响。与没有抵押品的公司相比，有抵押品的公司容易获得贷款。该研究希望本研究的结果将对有关获得信贷和中小企业绩效的现有文献做出重大贡献。

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