Factors Influencing Credit Access for Firms in the Biogas Sub Sector in Kenya

Mulandi, Bernard; Kisaka, Sifunjo E.

doi:10.47941/ijf.58

Cited by 3 publications

(5 citation statements)

References 9 publications

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“…Based on the coefficient value of the regression equation the SMEs characteristics become the main contributor to improved financial accessibility. The results of this study supported the results of research Nkuah, Tanyeh, & Gaeten (2013);Kira (2013);Wangmo (2015);Mulandi & Kisaka (2017) indicating that SMEs characteristics have a positive effect financial accessibility.…”

supporting

confidence: 89%

“…This research will be conducted on objects of SMEs in the city of Surakarta. The study combines several previous research Wellalage, et al (2019); Mulandi and Kisaka (2017); Lusimbo and Muturi (2016) with variables that show influential tendencies . The variables consist of business characteristics, financial literacy and loan requirements for financial access to banking financial institutions.…”

Section: Introductionmentioning

confidence: 94%

“…The research model built on research (Nkuah, Tanyeh, & Gaeten (2013); Kira (2013); Wangmo (2015); Mulandi & Kisaka (2017)) which shows a positive relationship between business characteristics and financial access. Based on the results of the research above, it can be concluded that there is positive influence between the SMEs characteristics with Financial Accessibility.…”

Section: Characteristics Of Enterprise According Tomentioning

confidence: 99%

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Financial Accessibility of Small and Medium Enterpraise (SMEs) in Surakarta City

Hakim

Ningsih

2020

JIFA

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Small and Medium Enterprise (SMEs) is priority economics sector until 65 percent in Indonesia. It had been priorities focus of government policy to financial access in banking helped SMEs. The research is aim to analyze the influence of SMEs Characteristic, Financial Literacy, and Lending Term toward Financial Accessi- bility SMEs in Surakarta city. The research had sample from SMEs registered in SMEs government in Surakarta city is 100 sample. Sample of the research with proportionate stratified random sam- pling technique. Methodology in this research is regression. The Re- sult of this research state that the SMEs Characteristics, Financial Literacy, and Lending term positif toward Financial Accessibility Keywords: Financial Accessibility, Financial Literacy, Lending Term, SMEs Characteristics JEL Classification: G32, L22,L26

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supporting

confidence: 89%

Section: Introductionmentioning

confidence: 94%

Section: Characteristics Of Enterprise According Tomentioning

confidence: 99%

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Financial Accessibility of Small and Medium Enterpraise (SMEs) in Surakarta City

Hakim

Ningsih

2020

JIFA

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“…For the assessment of creditworthiness, several studies have shown that, even in the renewable energy sector, financial operations have the characteristics of legal isolation and isolation of financial flows [121,122]. These characteristics assimilate financing operations in renewable energy to pure project financing operations (PFOs), conducted on special purpose vehicles (SPVs).…”

Section: Methodsmentioning

confidence: 99%

Debt Sustainability Assessment in the Biogas Sector: Application of Interest Coverage Ratios in a Sample of Agricultural Firms in Italy

Iotti,

Manghi,

Bonazzi

2024

Energies

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The biogas sector in Europe and Italy is attracting growing investment, combining agricultural activity, the circular economy, and renewable energy production. Firms in the sector widely use debt capital and, for this reason, there is a need to evaluate the structure of investments, financing, and debt service capacity calculated by applying interest coverage ratios (ICRs). ICRs are widely used by banks in granting loans, and calculation of ICRs allows managers and policy makers to correctly evaluate firms’ performance in the sector. In this research, based on a sample of 160 observations, the structure of investments and sources of financing of firms in the biogas sector, operating in northern Italy, are analyzed. ICRs are calculated with different approaches to establish which ICRs provide the most reliable results in the application. The research analyzes the correlations and highlights significant differences between ICRs. The research highlights some important findings: (a) the NWC is negative in 109 out of 160 observations and, therefore, constitutes a source of financing in the majority of observations; (b) ICRs based on EBITDA and CF are above the threshold value of “1” in 143 and 145 observations, respectively, while ICRs based on EBIT, OCF, and UFCF are above the threshold value of “1” in 132, 133, and 122 observations, respectively. The research allows the conclusion that the ICRs based on EBITDA and CF tend to overestimate results; ICRs based on EBIT, OCF and UFCF are preferable, and can therefore be applied by managers, banks, and policy makers and be used as debt covenants. For the calculation of the repayment of the NFP, the research has highlighted that ICRs in which the cost of the debt is deducted from the numerator are preferable. The research can thus be usefully applied and expanded to other territories, or by considering a larger sample with the aim of inferring conclusions of general validity.

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“…Thus, a coefficient value of between 0.6 and 0.7 is recommended as it shows the accepted reliability. Further, Mugenda and Mugenda (2013) indicate that a 0.8 coefficient value is most recommended.…”

Section: Reliability Of the Instrumentsmentioning

confidence: 99%

Influence of Occupation on Credit Accessibility from MFIs by PWDs in Mombasa County, Kenya

Elowi¹,

Ali²

2022

theijhss

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This research aimed to establish the factors determining credit accessibility from Microfinance institutions among persons with disabilities in Mombasa County, Kenya. The study was carried out to establish the effect of occupation on credit access from Microfinance Institutions (MFIs) by Persons with Disabilities (PWDs) in Mombasa County. The study tested the hypothesis on the above objectives to enhance the realization of the key factors that constrain credit accessibility by PWDs. The research was anchored on Credit rationing theory, Credit channel theory, and imperfect information theory. The study employed a descriptive survey research design, and a target population of 2037 was used in the study—a study of 204 PWDs. Primary data collection method was employed to gather the required information. The information gathered from this research was analyzed using SPSS V.26. The overall results indicated that all respondents agreed that the independent variable and occupation influenced credit accessibility. Pearson's correlation results indicated a positive relationship between gender, occupation, education, and credit accessibility. The null hypotheses were rejected at a confidence level of 95%. The study findings concluded that greater adoption of occupation greatly affects credit accessibility. The study recommends that National Council for Persons with Disabilities (NCPWD) can use study results to advise PWDs on credit accessibility, promote integration between PWDs and the society around them in Kenya by facilitating the implementation of the existing policies and enhancing development to align with the arising needs of disabled persons.

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Factors Influencing Credit Access for Firms in the Biogas Sub Sector in Kenya

Cited by 3 publications

References 9 publications

Financial Accessibility of Small and Medium Enterpraise (SMEs) in Surakarta City

Financial Accessibility of Small and Medium Enterpraise (SMEs) in Surakarta City

Debt Sustainability Assessment in the Biogas Sector: Application of Interest Coverage Ratios in a Sample of Agricultural Firms in Italy

Influence of Occupation on Credit Accessibility from MFIs by PWDs in Mombasa County, Kenya

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