| Título: | Micro-Loans and Micro Enterprises in Ghana: Players, Roles and Challenges |
| Autores: |
Oppong-Boakye, Paul Kofi Ahinful, Gabriel Sam Danquah, Jeff Boakye |
| Fecha: | 2012-12-28 |
| Publicador: | European Journal of Business and Management |
| Fuente: |
 |
| Tipo: |
info:eu-repo/semantics/article Peer-reviewed Article info:eu-repo/semantics/publishedVersion |
| Tema: | No aplica |
| Descripción: | The role of micro-enterprises in developing countries cannot be under-estimated. Access to finance is critical to the growth of micro-enterprises. Contrary to the past, financial institutions in Ghana are now embracing the idea of financing micro-enterprises. The study examines the forms of financial institutions involved in the provision of micro-loans, the role of micro-loans in the micro-enterprises, and the challenges micro-enterprises face in accessing micro-loans. The simple random sampling technique was employed to collect data from 400 micro-enterprises. The study reveals that both mainstream universal banks and microfinance institutions are involved in the provision of micro loans to micro-enterprises. Also, micro-loans have impacted positively on the micro-enterprises in the study. Finally, high interest rates, provision of collateral, requirement to save regularly and short repayment period are the major challenges micro-enterprises face in accessing micro-loans in Ghana. Keywords: Ghana, micro-loans, micro enterprises, role, challenges |
| Idioma: | Inglés |
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