| dc.description.abstract | The study aimed at determining the influence of micro-credit institutional services on the
performance of small scale enterprise. The study was guided by the following objectives: find
out the influence of lending by Micro-Credit institutions on performance of SSE; determine the
influence of training after funding by Micro-Credit institutions on performance of SSE; establish
the influence of business savings after funding by Micro-Credit institutions on SSE performance
and assess the influence of insurances services offered by Micro-Credit institutions on SSE
performance in Kapenguria town. The study adopted a survey research design for its ability to
emphasize on understanding of a complex issues or objects and also its ability to extend
experience on added strength to what is already known through previous research and its ability
to collect varied responses from the respondents with an aim of properly understanding the issues
under study. The study focused on a target population of 233 participants, of which through
purposive sampling 4 management personnel of Micro credit institutions were selected, through
stratified sampling 44 employees of micro credit institutions were selected and 97 Small Scale
Enterprise owners in Kapenguria town through simple random were also selected in the study.
The study therefore targeted a total sample of 145 respondents selected from the population. The
data collection instrument that was used to collect data from the selected respondents was
questionnaires. The researcher also used the test re-test method to determine the reliability and
Cronbach’s alpha coefficient to measure the internal consistency of the questionnaire. The data
collected was analysed quantitatively and qualitatively using descriptive statistics which
involved frequencies, percentages, tables and mean deviations. Findings revealed that the micro
credit institutional services to include lending, training, saving and insurance have greatly
influenced the performance of the small scale enterprises in Kapenguria town as its impact is felt
among the participants. The study concluded that Micro-Credit Institutions should enact
regulations that are friendly to SSEs so as not to lock them out from accessing credit. At the
same time, they should deal with the problem of nonperforming loans by fully utilizing the
services of Credit Reference Bureaus. | en_US |
