Kuraru, Joyce Nyakanini2026-02-052026-02-052025-09https://ir-library.ku.ac.ke/handle/123456789/32287A Research Project Report Submitted to the School of Business, Economics and Tourism in Partial Fulfilment of the Requirements for the Award of Master of Business Administration (Finance Option), Kenyatta University, September 2025. Supervisor 1. Charity NjokaSmall and Medium Enterprises (SMEs) is an important sub sector for the Kenyan economy like many other developing countries. The significant contribution of Small and Medium Enterprises (SMEs) in the economy has attracted the attention of many researchers. The SMEs dominate the different sectors of the Kenyan market where they provide significant revenue to the government, employment, income as well as alleviating poverty in the country. Despite their positive contribution, the operation of Small and Medium Enterprises has been confronted by various challenges such as loan repayment default, inadequate capital as well as the persistent regulations which negatively affects their performance leading to high failure rate of one for every five startups within three years. The Small and Medium Enterprises in Kiambu County have similar challenges though operating in a densely populated County. Consequently, their performance is negatively affected. The study purposed to examine the influence of financial accessibility on success of Small and Medium Enterprises in Kiambu County, Kenya. The research specifically identified the effect of access to credit, access to insurance and explore the influence of entrepreneurial training on financial performance of Small and Medium Enterprises in Kiambu County, Kenya. The research was underpinned on Credit Access Theory, Asymmetric Information Theory and Bank Lending Channel Theory. Using a causal research design, this research study targeted a population of 2750 registered SMEs in Kiambu County. The descriptive statistics included the mean and standard deviation calculation. Inferential statistics encompassed panel regression and correlation. Before employing the panel multiple regression model, a test was conducted to determine the presence of panel unit root, homoscedasticity, normality, and linearity. Additionally, clearance from the NACOSTI was necessary to accept validated published data that contains complete information. The reliability of the data was ensured through a thorough examination of the collected secondary data, and pilot testing was conducted to further validate its reliability. The results were displayed through tables, pie charts, and figures. The study findings indicate that access to credit has a positive and significant effect on SMEs financial performance with a p- value 0.025 < 0.05. On access to business insurance, the study found that in case of damages, SMES that have insurance will have improved performance. This is shown by a p- value 0.000. < 0.05. Entrepreneurial training has a positive and significant effect on SMES performance in Kiambu County. The study nevertheless recommends for enhanced entrepreneurial training, insurance and more credit to improve performance.enArticle