The Impact of Human Capital on Access to Financial Services for SMEs: A comparative Study of Botswana and Tanzania

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dc.contributor.authorMonametsi, Gladness L.
dc.contributor.authorMkwizu, Kezia H.
dc.contributor.authorSwai, Tobias A.
dc.date.accessioned2019-03-11T11:23:57Z
dc.date.available2019-03-11T11:23:57Z
dc.date.issued2018-12
dc.description.abstractThe paper aims to analyze the impact of human capital on access to financial services for SMEs by comparing results of two developing countries, Botswana and Tanzania. The objective of this study is to examine the impact of human capital for male and female entrepreneurs on access to financial services. This study used a survey questionnaire to collect primary data in the manufacturing sector from a sample size of 115 SMEs for Gaborone in Botswana and 81 SMEs for Dar es Salaam in Tanzania. Descriptive statistics and one way ANOVA were deployed to analyze the data. In Botswana, the majority of SMEs (52.2%) were females while in Tanzania males were (54.3%). The findings indicate that there is a statistically significant impact of human capital on access to financial services for Botswana in terms of education (p=0.002), work experience (p = 0.000), years of experience as owner manager in business (p = 0.000), and lapse of time of attending training related to business (p = 0.002). Findings also show that there is a statistically significant impact of human capital on access to financial services for Tanzania in terms of work experience (p = 0.009), and years of experience as owner manager in business (p = 0.048).en_US
dc.identifier.citationMonametsi, G.L., Mkwizu, K.H., and Swai, T. A. (2018). “The Impact of Human Capital on Access to Financial Services for SMEs: A comparative Study of Botswana and Tanzania.” Inter. J. Res. Methodol. Soc. Sci., Vol., 4, No. 4: pp. 88-98. (Oct. – Dec. 2018); ISSN: 2415-0371. DOI: 10.5281/zenodo.2545030en_US
dc.identifier.issn2415-0371
dc.identifier.urihttp://hdl.handle.net/20.500.11810/5104
dc.language.isoenen_US
dc.publisherInternational Journal of Research & Methodology in Social Scienceen_US
dc.relation.ispartofseriesVol. 4,;No. 3, p.88
dc.subjecthuman capital, financial services, SMEs, Botswana, Tanzaniaen_US
dc.titleThe Impact of Human Capital on Access to Financial Services for SMEs: A comparative Study of Botswana and Tanzaniaen_US
dc.typeJournal Articleen_US
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