Browsing by Author "Mhada, Jeremiah"

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    The impact of downscaling commercial banks on SMEs ability to access funds: a case study of Barclays Bank in Dar es Salaam
    (University of Dar es Salaam, 2009) Mhada, Jeremiah
    The main objective of the study was to identify the impact of downscaling a commercial bank on SMEs ability to access funds, many banks have downscaled their operations making it possible for SMEs to access their services and funds. The study was propelled by the thinking that lack of sufficient funds has been an impediment to SMEs survival and growth. The study focused on how the downscaled operations of a commercial banks has brought about micro finance services to these banks, and how this process changed SMEs ability to access funds from the downscaled commercial bank. The study also shows the growing participation of Banks in Micro finance and these has greatly affected the targeted groups such as SMEs. The study constituted a sample size of 27 respondents out of the 12 branches of Barclays bank in Dar es Salaam whereas descriptive analysis through SPSS was used in data analysis. The main reason of selecting Dar es Salaam is because it’s Tanzania commercial hub and where almost 50% of Barclay’s branches are located. The study findings indicate that the downscaling was an appropriate program to facilitate and improve access to finance of SMEs. But more needs to be done so as there will be significant changes when it comes to SMEs access to funds and improved relations with banks.