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Determinants Of Access To Credit And Credit Source Choice By Micro, Small And Medium Enterprises Under Interest Rate Capping In Kenya
This study aimed at investigating the determinants of access to credit and credit source choice by MSMEs in Kenya under the interest capping regime. More specifically, the study sought to unveil the determinants of credit access among the MSMEs and what influences the credit source choice among the MSME using 2016 MSME survey data from KNBS collected using structured questionnaires based on both household and business approach in the period under interest capping. Using logit model to achieve the first objective and multinomial logit to achieve the second objective, the study revealed that possession of a business plan, a bank account, firm size and owner_decision
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