The SMEs in Machakos County have been characterized by poor financial performance which has been linked to financial access. Financial access is one of the key drivers of development of SME in the country, particularly access to bank financing, since the banking sector plays a key role in serving this segment. This study sought to investigate the effect of access to micro finance credit on financial performance of SMEs in Machakos County, Kenya. The study specifically sought to determine the influence of collateral security, loan-income ratio and geographical branch location on financial performance of SMEs. The study adopted census survey due to the small population size. Download
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