Browsing by Author "UTHMAN AHMED BUKOLA"

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    OWNER’S CHARACTERISTICS AND ACCESS TO BANK FINANCING: PERPETUAL EVIDENCE FROM SMES IN NORTH CENTRAL NIGERIA
    (THE WEST UNIVERSITY OF TIMISOARA, 2020) ADEMOKOYA ALADE AYODEJI; OKE LUKMAN ADEBAYO; UTHMAN AHMED BUKOLA
    The study examines the influences of owner-specific factors on access to bank financing among SMES in north-central Nigeria. A self-administered questionnaire was employed for data collection from the sampled SME owners in the study area. A sample of 280 SMES was drawn from the population of 1030 SMES. Logistic regression was used in analyzing the data. The study found that gender personal networking and personal relationship with the bank, which has significant at 0.05, 0.1, and 0.1, respectively, are the owner's characteristics influencing SMES financial access, whereas the owner’s age, education, experience, financial literacy and personal wealth do not have significant influence on SMES access to bank financing in the region the study concluded that while all the identified owner’s attribute are complimentary important in financial access bank are more gender blessed, value personal relationship and networking ability of firm owners the study therefore recommended among others the needed for SME owners to establish and maintain more improved relationship with their bank and form strong linkages with relevant stakeholders in the external environment for better resources exchange including financial access