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Experiences of small and medium ente...

Aborampah, Kwame Mensah.

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Experiences of small and medium enterprises in accessing funds in Ghana: A qualitative phenomenological study.

Record Type:	Language materials, printed : Monograph/item
Title/Author:	Experiences of small and medium enterprises in accessing funds in Ghana: A qualitative phenomenological study./
Author:	Aborampah, Kwame Mensah.
Description:	230 p.
Notes:	Source: Dissertation Abstracts International, Volume: 74-12(E), Section: A.
Contained By:	Dissertation Abstracts International74-12A(E).
Subject:	Business Administration, Entrepreneurship. -
Online resource:	http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=3573945
ISBN:	9781303456220

Experiences of small and medium enterprises in accessing funds in Ghana: A qualitative phenomenological study.
Aborampah, Kwame Mensah.

Experiences of small and medium enterprises in accessing funds in Ghana: A qualitative phenomenological study. - 230 p.

Source: Dissertation Abstracts International, Volume: 74-12(E), Section: A.

Thesis (D.B.A.)--University of Phoenix, 2012.

Businesses in developing economies, including Ghana, are dominated by Small and Medium-sized Enterprises (SMEs) which provide high employment opportunities, generate significant earnings, and contribute to poverty alleviation. One of the major challenges confronting SMEs has been identified as access to finance. A qualitative phenomenological study was conducted to explore the lived experiences of 15 owners and managers of SMEs located in the Greater Accra, Ashanti, and Western regions of Ghana, in accessing funds from formal and informal sources, and the effects on businesses in Ghana. A purposeful sampling method was adopted to select participants for the study. The modified van Kaam method by Moustakas with NVivo 8 software application was used to analyze and interpret data collected through questionnaires administered on 15 participants. Six core themes that emerged from the analysis of interview data were: (a) Reliance on own funding and short-term overdrafts, which are inadequate, (b) inability to provide collaterals, (c) bureaucracy, (d) bribery and corruption, (e) leadership style, and (f) difficulty in expanding business. Major findings from this study showed that SMEs are incapable of accessing medium to long term loans from formal banks because they cannot meet the demand for collateral and do not seem to be aware of credit schemes set up by central government to support them. The study also concludes that the high interest charged on loans, bureaucracy and bribery make the cost of borrowing very high, leading to high operational costs of running SMEs. The implication of the study is that SMEs cannot achieve significant growth to play vital roles such as employment generation, poverty reduction, and revenue generation and distribution in the economy of Ghana.

ISBN: 9781303456220Subjects--Topical Terms:

1026793
Business Administration, Entrepreneurship.

Experiences of small and medium enterprises in accessing funds in Ghana: A qualitative phenomenological study.
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100 1 $a Aborampah, Kwame Mensah. $3 2099411
245 1 0 $a Experiences of small and medium enterprises in accessing funds in Ghana: A qualitative phenomenological study.
300 $a 230 p.
500 $a Source: Dissertation Abstracts International, Volume: 74-12(E), Section: A.
500 $a Adviser: Kofi Amoateng.
502 $a Thesis (D.B.A.)--University of Phoenix, 2012.
520 $a Businesses in developing economies, including Ghana, are dominated by Small and Medium-sized Enterprises (SMEs) which provide high employment opportunities, generate significant earnings, and contribute to poverty alleviation. One of the major challenges confronting SMEs has been identified as access to finance. A qualitative phenomenological study was conducted to explore the lived experiences of 15 owners and managers of SMEs located in the Greater Accra, Ashanti, and Western regions of Ghana, in accessing funds from formal and informal sources, and the effects on businesses in Ghana. A purposeful sampling method was adopted to select participants for the study. The modified van Kaam method by Moustakas with NVivo 8 software application was used to analyze and interpret data collected through questionnaires administered on 15 participants. Six core themes that emerged from the analysis of interview data were: (a) Reliance on own funding and short-term overdrafts, which are inadequate, (b) inability to provide collaterals, (c) bureaucracy, (d) bribery and corruption, (e) leadership style, and (f) difficulty in expanding business. Major findings from this study showed that SMEs are incapable of accessing medium to long term loans from formal banks because they cannot meet the demand for collateral and do not seem to be aware of credit schemes set up by central government to support them. The study also concludes that the high interest charged on loans, bureaucracy and bribery make the cost of borrowing very high, leading to high operational costs of running SMEs. The implication of the study is that SMEs cannot achieve significant growth to play vital roles such as employment generation, poverty reduction, and revenue generation and distribution in the economy of Ghana.
590 $a School code: 0850.
650 4 $a Business Administration, Entrepreneurship. $3 1026793
690 $a 0429
710 2 $a University of Phoenix. $b Business Administration. $3 2092542
773 0 $t Dissertation Abstracts International $g 74-12A(E).
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791 $a D.B.A.
792 $a 2012
793 $a English
856 4 0 $u http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=3573945