Silas, Peter MwiathiMwangi, Rahab Wanjiru2023-06-122023-06-122020Silas Peter Mwiathi and Mwangi, Rahab Wanj iru(2020);Credit Access and Performance of Micro and Small Enterprises in Nakuru County, Kenya . IAR J Bus Mng, 1(3), 163-170.2708-5147http://ir-library.ku.ac.ke/handle/123456789/25782Research ArticleEnt repreneurship cont ributes to the achievement o f development goals by encouraging economic growth and improving the standards of l iving of the people. The Government o f Kenya has established various funds in an effort to enhance equity among socially disadvantaged groups like women , the disabled and unemployed youth. Despite these efforts, the uptake of these funds remains low due to unfavourable lending conditions, leaving a financing gap. This study employed a non-experimental research design, conducted in four randomly selected administrative sub-counties in Nakuru County. From an approximated sampl ing frame o f 650 MSEs, a random sample o f 248 was selected. A st ructured questionnai re, with a Cronbach Alpha coefficient of 0 .72, was administered to the sample. Results o f a l inearized logarithmic regression showed that credit amount and challenges faced in accessing credit accounted for close to 14.0% (R2 = 0.139) of per formance o f the MSEs in Nakuru County. The study concluded that credit access had a positive signi ficant effect on the performance o f MSEs. Policy impl ication was that the Cent ral bank, in collaboration with commercial banks, should ease borrowi ng t erms t o i ncrease MSEs‟ access t o credit . A l so, t he government should offer incentives to lending inst itut ions so that they can lower the cost of borrowing.enCredit AccessPerformance o f MSEsCredit availability to MSEsSmall Business FinancingArticle