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首页> 外文期刊>Research Journal of Finance and Accounting >Determining the Effect of Microfinance on Small Scale Enterprises: The Case of Hohoe Municipality of Ghana
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Determining the Effect of Microfinance on Small Scale Enterprises: The Case of Hohoe Municipality of Ghana

机译：确定小额信贷对小型企业的影响：以加纳霍霍市为例

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The fundamental objective of this study is to assess the impact of Microfinance on Small Scale Enterprises (SSEs) in Hohoe. Simple Random Sampling technique was employed in selecting the 80 SSEs that constituted the sample size for the study. Structured questionnaire was designed to facilitate the acquisition of relevant data which was used for analysis. Descriptive statistics which involves simple percentages, graphical charts and illustrations were applied in data presentations and analysis. The findings of this study reveal that significant number of the SSEs benefitted from the MFIs loans even though only few of them were capable to secure the required amount needed. Interestingly, majority of the SSEs acknowledge positive contributions of MFIs loans towards promoting their market share. The study recommends that management of microfinance institutions should incorporate SSE’s views or inputs into the formulation or review of their credit management policies. The microfinance institutions may consider embarking on monitoring the SSEs to ensure that the loans are being used for its intended purpose.
机译：这项研究的基本目标是评估小额信贷对霍霍地区小型企业（SSE）的影响。使用简单随机抽样技术选择构成研究样本量的80个SSE。设计结构化的问卷是为了方便获取用于分析的相关数据。包含简单百分比，图形图表和插图的描述性统计应用于数据表示和分析。这项研究的结果表明，尽管只有极少数的小额信贷机构有能力获得所需的所需金额，但仍有相当数量的中小企业从小额信贷机构的贷款中受益。有趣的是，大多数上证所都承认小额信贷机构的贷款为促进其市场份额做出了积极贡献。该研究建议小额信贷机构的管理层应将上证所的观点或投入纳入其信贷管理政策的制定或审查中。小额信贷机构可考虑着手监督上交所，以确保将贷款用于其预定目的。

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