Impact of Access to Credit on the Sustainability of Small and Medium Sized Enterprises in Cameroon

Bin, Joachem Meh; Diangha, Sylvanus Ngoata; Ofeh, Moses A.

doi:10.4236/ajibm.2021.116046

Cited by 5 publications

(7 citation statements)

References 6 publications

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“…Similarly, has shown that education, household size, association member, experience and region are variables affecting access to credit while Langat (2013) confirmed that access to credit depended on credit standards, assess return on credit, evaluate risk on loan to farm and transaction cost. In addition, size of credit, duration of credit, number of credits obtained, usage of the credit, savings, collateral security, interest rate also act as important components that influence access to credit (Bin 2021).…”

Section: Literature Reviewmentioning

confidence: 99%

“…His findings suggest that microfinance institutions have not been able to perform their business effectively because of capitalization. Similarly, Bin (2021) evaluates the major components of access to credit and their effects on the sustainability of SMEs in Cameroon by using the probit model and linear regression model with factors such as experience, interest rate, collateral security, corruption and size of loan. Assogba et al (2017) used the Logit model to conduct an analysis on the factors affecting farmers' access to credit.…”

Section: Literature Reviewmentioning

confidence: 99%

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Analysis of Factors Influencing Credit Access of Vietnamese Informal Labors in the Time of COVID-19 Pandemic

Ho²

2021

Economies

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Credit is considered as an essential tool to make informal labor’s income better. In order to improve quality of their life, the state should have some supports them in credit access. This study analyzes factors causing credit access of informal labors to be changed in the time of COVID-19 pandemic. Using survey data collected from 2020 VHSSL (2019–2020), this approach has two models including a binary logit model and a multinomial logit model (MLM). The results revealed that the positive factors including education, material, collateral, credit size, credit source, credit debt which are likely to affect to credit access, however age, family size, ethnicity, interest, paid money are negative. Besides, it also concludes that quality of life of informal labor is considerably influenced by credit access, collateral, credit source, credit debt from the observed samples. Additionally, this paper recommends some policies to enhance informal labor’s access to credit and their quality of life.

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Section: Literature Reviewmentioning

confidence: 99%

Section: Literature Reviewmentioning

confidence: 99%

Analysis of Factors Influencing Credit Access of Vietnamese Informal Labors in the Time of COVID-19 Pandemic

Ho²

2021

Economies

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“…In Cameroon, Djoumessi et al (2018) reported the significant role of access to agricultural extension services in influencing credit access. This is not mentioned by Bin et al (2021), who rather noted the role of corruption and loan size in inhibiting credit access.…”

Section: Review Of the Determinants Of Microcredit Accessmentioning

confidence: 93%

“…The high interest rate constraint was reported by 78% of nonbeneficiary rice farmers and only 15% of beneficiaries. However, it is possible that increased loan costs could be embedded in corrupt practices, which are rampant in financial transactions in Cameroon (Bin et al, 2021). This aspect, however, requires further research.…”

Section: Determinants Of Access To Agricultural Creditmentioning

confidence: 99%

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Determinants of credit access among rice farmers in rural Cameroon

Shillie

Balgah

Njonyi

2022

J. Agribus. Rural Dev.

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Inadequate access to credit remains a major constraint to agricultural production in Africa. However, not all farmers face this difficulty. This article assesses the determinants of agricultural credit access among rice farmers who are members of the Ngoketunjia Cooperative Credit Union in the Northwest Region of Cameroon. A structured pretested questionnaire was administered to 126 randomly selected credit beneficiaries and non-beneficiaries, all of whom are members of the study credit union. Binary logistic regression was performed, with the dependent variable (access to microcredit) being 1 (yes) if the respondent received a loan during the 2018/2019 farming season, and 0 (no) otherwise. 12 explanatory variables were used in the analysis, which adopted a 10% level of significance. Statistically significant relationships were observed between farm size, inputs, farm output, and access to loans, suggesting that access to microcredit has a positive impact on agricultural production. The three key factors facilitating access to microcredit were farming experience (B = 0.38, p = 0.06), the educational level of the farmer (B = 0.81, p = 0.06), and the diversion of loans to solve other problems (B = 1.64, p = 0.06). Based on these results, we recommend better financial inclusion of rice farmers in microcredit schemes to increase local rice production and reduce imports in Cameroon.

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Determining Sustainable Production Level in Small and Medium-Sized Manufacturing Enterprises: Case of Mardin Organized Industrial Zone

AKDAĞ,

DENK

2023

Dokuz Eylül Üniversitesi Sosyal Bilimler Enstitüsü Dergisi

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Artan dünya nüfusu, doğal kaynaklardaki kirlenme ve azalma, iklim değişikliği, küresel ısınma vb. birçok ilişkili konu sürdürülebilirlik kavramının önemini giderek artırmaktadır. Bu bakımdan insan ihtiyaçlarının karşılanmasında üretim ve tüketimin sürdürülebilir kılınması gerekmektedir. Bu kapsamda bu çalışmanın amacı Mardin Organize Sanayi Bölgesi (OSB)’deki Küçük ve Orta Büyüklükteki İşletmelerin (KOBİ) sürdürülebilir üretim düzeylerinin belirlenmesidir. Bunun için öncelikle Mardin OSB’de faaliyet gösteren 156 aktif firmanın doksan dördüne soru formu uygulanmıştır. Soru formlarından elde edilen veriler SPSS paket programında değerlendirilmiş ve bulgular elde edilmiştir. Elde edilen bulgulara göre, Mardin OSB’deki KOBİ'lerin, ürün tasarımı, üretim süreci, atık yönetimi, enerji, tedarik, tersine lojistik, ekonomik, sosyal ve çevresel sorumluluk alanlarında sürdürülebilir üretim uygulamalarını genel olarak yerine getirdikleri belirlenmiştir. Ancak bu alanlardaki bazı uygulamaların yeterli olmadığı görülmüştür. İşletmeleri sürdürülebilir üretim uygulamalarına yönlendiren nedenler işletme maliyetlerinin azaltılması, yasal zorunluluklar, doğal kaynaklardaki tükenme ile firma imajına olumlu katkı olarak belirlenmiştir. Ayrıca, işletmelerin sürdürülebilir üretim düzeyleri bulundukları sektörlere göre ürün tasarımı, atık yönetimi ve sosyal sorumluluk alanlarında farklılık gösterdiği sonucuna ulaşılmıştır.

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Impact of Access to Credit on the Sustainability of Small and Medium Sized Enterprises in Cameroon

Cited by 5 publications

References 6 publications

Analysis of Factors Influencing Credit Access of Vietnamese Informal Labors in the Time of COVID-19 Pandemic

Analysis of Factors Influencing Credit Access of Vietnamese Informal Labors in the Time of COVID-19 Pandemic

Determinants of credit access among rice farmers in rural Cameroon

Determining Sustainable Production Level in Small and Medium-Sized Manufacturing Enterprises: Case of Mardin Organized Industrial Zone

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