Commerce and Management
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Item Determinants of Access to Finance among Manufacturing Micro, Small and Medium Enterprises in Nigeria(Faculty of Commerce and Management Studies, University of Kelaniya., 2021) Bello, O.F.; Mustapha, Y.I.This study investigates the determinants of access to finance among manufacturing micro, small and medium enterprises in Nigeria (MSMEs). This study uses the Nigeria enterprise survey dataset conducted by the World Bank between April, 2014 and February, 2015. A robust logistic regression model has been applied for a sample of 507 manufacturing MSMEs in Nigeria to achieve this study's objective. The results indicate that access to finance is largely influenced by owner/managers' experience and owner/managers’ skills. By implication, owners’/managers’ experience and skills are the driving force for manufacturing MSMEs' probability of having access to finance in Nigeria. Therefore, this study recommends that owners/managers of MSMEs in Nigeria should leverage their stock of experience and innate skills to enhance their firms’ access to finance.Item Challenges Faced by Sri Lankan Banks in Financing for Sustainable Growth in SME Sector(Department of Accountancy, Faculty of Commerce and Management Studies, University of Kelaniya, Sri Lanka, 2016) Weerasekera, W.K.N.M.This research paper focused to address the supply side finance gap in banks’ perspective. The main objective of this study is to determine and explain the impact of the challenges relating to bank’s risk appetite, collateralized lending, cost implications of financing and expertise of bank officers in financing for a sustainable growth in SME sector. Hypotheses were developed based on empirical studies across the world and tested in Sri Lankan context. Likert scale was used to analyze the primary data collected from the survey to determine each hypothesis. The research revealed that all variables are related in bank financing for SMEs but only collateralized lending and expertise of bank officers are the significant challenges faced by banks in this business. The findings provide new insights to improve and encourage the performance of bank financing, recommending the intervention of regulators and policy makers to contribute to soften the negative impacts in SME lending.