Malisa, Doroth2019-07-062020-01-082019-07-062020-01-082011Malisa, D (2011) Barriers for small enterprises access to bank credit in Tanzania: a case study of Dar es Salaam Region. Master dissertation, University of Dar es Salaam. Available at http://41.86.178.3/internetserver3.1.2/detail.aspxhttp://localhost:8080/xmlui/handle/123456789/4786Available in printSmall and Medium Enterprises (SMEs) play a crucial role in employment creation and income generation. They contribute about one third of the Gross Domestic Product (GDP) while agricultural sectors contribute about 44% of the GDP in Tanzania. However the sector faces some challenges which hinder their growth and development. This study aims at identifying barriers facing SMEs in accessing bank credit despite the expansion of the banking industry in Tanzania. A total of 120 questionnaires were administered to loan officers and SMEs operators in Ilala, Kinondoni and Temeke districts in Dar es Salaam, 90 business entrepreneurs and 30 loan officers during the survey. Data analysis has been done using Statistical Package for Social Sciences and Pearson chi-square test has been performed during analysis in order to know whether results were significant. Results showed that perception on SMEs to be risk, and inability of SME to provide collateral when requesting for loan from the banks were the barriers towards credit access. Government has played a big role in supporting SMEs in order to increase access to credit from various institutions. Moreover, lowering interest rates and other bank charges would encourage entrepreneurs to borrow and invest.enSmall businessBank creditBank loansDar es Salaam regionTanzaniaThesis