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The Influence Of Microfinance To The Growth Of Small Enterprises Finance essay

This Essay explains the Influence of Microfinance to the growth of Small and Medium Enterprises (SMEs) in Tanzania. In essay one it was revealed that MFIs have changed the life of poor people in a positive way. SMEs who are major clients of MFis have increased their incomes, capital invested and therefore expansion of their businesses. Case study taken from PRIDE Tanzania Limited and Akiba Commercial Bank shows that Despite of these achievements it was further observed that there are many contraints for microfinance in Influencing the growth of SMEs like grace period for loan repayment, collateral and MFIs coverage have been limiting factors for poor people to access the MFI services.

Microfinance can be a critical element of an effective poverty reduction strategy especially for developing countries. The services provided by microfinance institutions can enable the poor to smoothen their consumption, manage their risks better, build their assets gradually, develop their micro enterprises, enhance their income earning capacity, and enjoy an improved quality of life.

1.0. Introduction

背景信息——Background Information
Due to the decline of the public sector, the role of Micro and Small Enterprise (MSEs) in promoting economic growth and development has been widely recognised Bagachwa (1994). In Tanzania, Micro and Small Enterprises contribute up to 32% of the GDP Chijoriga (1997).

The increased participation and contribution of SMEs has led to an increased need for financial services. Credit has been recognised as one of the tools for promoting the development of SMEsChijoriga (1997). Loans enable the SMEs to enjoy both benefits of economies of scale and those of new high-value technology Grande (1984).

Recognising the importance of financial services to SMEs, during 2000 the government of Tanzania developed the National Microfinance Policy in line with the overall financial reforms initiated in 1991 URT (2000). The policy aims at enabling low-income earners to access financial services. Microfinance Institutions (MFIs) have became alternative sources for financing SMEs in place of Formal Financial Institutions (FFIs), which regarded MSEs as too poor to save.

Despite the recognition of the dynamic role of credit to small enterprises, few business owners and the poor in rural Tanzania have access to, and benefit from, the available financial services. MFIs activities remain centred around urban areas. Operational performance demonstrates low loan payment rates and the capital structure reveals a high dependence on donor or government funding Chijoriga (2000).

1.1. Microfinance Institutions (MFIs)

Microfinance is the provision of a broad range of financial services such as deposits, loans, payment services, money transfer, and insurance 论文英语论文网提供整理,提供论文代写英语论文代写代写论文代写英语论文代写留学生论文代写英文论文留学生论文代写相关核心关键词搜索。

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