Obonyo, Bonareri Margaret2021-05-192021-05-192005http://ir-library.ku.ac.ke/handle/123456789/22182A Research Project Submitted In Partial Fulfillment of the Requirements in the Award of the Degree of Master in Business Administration of Kenyatta University, August 2005This project discusses the factors that hinder the access to credit facilities among Small and Medium Enterprises in Kitcngela. Kajiado District with the main focus on the lending policies of both the informal and the formal financial institutions in Kenya. Chapter one highlights the role of SMEs in economic mobility of countries and underscores the value of accessing credit in facilitating and enabling the SMEs meet their core economic and social roles. The background information of the subject under study is highlighted Chapter two discusses and reviews relevant literature that micro-finance authorities and academics have recorded with regard to credit access by SMEs in Kenya and the world over. It also gives the conceptual framework for the study. Chapter three covers the research methodology that was used in executing the project. The survey design was used in executing the study. Stratified sampling was utilized in selecting the samples from which data was collected. Interviews and questionnaires were the main data collection instruments for the research. Regression modelling was utilized in the Statistical Package for Social Scientists (SPSS) programme to identify the factors that determine access to credit facilities Chapter four covers data analysis and presentation of the results. Chapter five covers the conclusion and recommendation from the research finding.enThesis