Evaluation Of Factors Influencing Small And Micro Enterprises’ Credit Worthiness By Commercial Banks In Nakuru Town, Kenya

Small and Micro Enterprises play a vital role in job creation and make significant contributions to economic growth in developed and developing economies alike. However, one on the main challenges of small and micro enterprise has been access to finances and capital. This study therefore sought to evaluate the factors influencing Small and Micro Enterprises credit worthiness by commercial Banks in Nakuru Town, Kenya. The specific objectives looked at: firm’s ownership, firm’s financial performance, credit information sharing and central bank regulations to determine how they affect credit wort…