{"id":"https://openalex.org/W1201173174","doi":null,"title":"The Challenges faced by Small & Medium Enterprises (SMEs) in Obtaining Credit in Ghana.","display_name":"The Challenges faced by Small & Medium Enterprises (SMEs) in Obtaining Credit in Ghana.","publication_year":2011,"publication_date":"2011-01-01","ids":{"openalex":"https://openalex.org/W1201173174","mag":"1201173174"},"language":"en","primary_location":{"id":"pmh:oai:DiVA.org:bth-2408","doi":null,"is_oa":true,"landing_page_url":"http://urn.kb.se/resolve?urn=urn:nbn:se:bth-2408","pdf_url":null,"source":{"id":"https://openalex.org/S4306400653","display_name":"Diva portal (Dalarna University Library)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"other-oa","license_id":"https://openalex.org/licenses/other-oa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"info:eu-repo/semantics/bachelorThesis"},"volume":null,"type":"dissertation","is_traditional":true,"indexed_in":[],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"http://urn.kb.se/resolve?urn=urn:nbn:se:bth-2408","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5071693349","display_name":"John Ackah","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"John Ackah","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]},{"author_position":"last","author":{"id":"https://openalex.org/A5050136510","display_name":"Sylvester Vuvor","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Sylvester Vuvor","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":false,"cited_by_count":82,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.5957000255584717,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.5957000255584717,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.2953999936580658,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T12544","display_name":"Working Capital and Financial Performance","score":0.10050000250339508,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/small-and-medium-sized-enterprises","display_name":"small and medium-sized enterprises","score":0.9959999918937683},{"id":"https://openalex.org/keywords/access-to-credit","display_name":"access to credit","score":0.7630000114440918},{"id":"https://openalex.org/keywords/bank-lending","display_name":"bank lending","score":0.8080000281333923},{"id":"https://openalex.org/keywords/collateral-requirements","display_name":"collateral requirements","score":0.9509999752044678},{"id":"https://openalex.org/keywords/loan-interest-rates","display_name":"loan interest rates","score":0.7620000243186951},{"id":"https://openalex.org/keywords/loan-repayment-period","display_name":"loan repayment period","score":0.746999979019165},{"id":"https://openalex.org/keywords/loan-default","display_name":"loan default","score":0.9049999713897705},{"id":"https://openalex.org/keywords/cash-flow-management","display_name":"cash flow management","score":0.8090000152587891},{"id":"https://openalex.org/keywords/accounts-receivable-management","display_name":"receivables management","score":0.800000011920929},{"id":"https://openalex.org/keywords/factoring-services","display_name":"factoring services","score":0.8180000185966492},{"id":"https://openalex.org/keywords/credit-reporting","display_name":"credit reporting","score":0.9070000052452087},{"id":"https://openalex.org/keywords/ghana","display_name":"Ghana","score":0.5509999990463257}],"concepts":[{"id":"https://openalex.org/C2777910564","wikidata":"https://www.wikidata.org/wiki/Q694563","display_name":"Collateral","level":2,"score":0.812736988067627},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6499137282371521},{"id":"https://openalex.org/C48879800","wikidata":"https://www.wikidata.org/wiki/Q622439","display_name":"Small and medium-sized enterprises","level":2,"score":0.6039350032806396},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.516028642654419},{"id":"https://openalex.org/C2777973936","wikidata":"https://www.wikidata.org/wiki/Q1109680","display_name":"Small business","level":2,"score":0.5076078176498413},{"id":"https://openalex.org/C28129649","wikidata":"https://www.wikidata.org/wiki/Q926217","display_name":"Microfinance","level":2,"score":0.5072934031486511},{"id":"https://openalex.org/C2778120072","wikidata":"https://www.wikidata.org/wiki/Q2858150","display_name":"Aside","level":2,"score":0.4783613085746765},{"id":"https://openalex.org/C69637215","wikidata":"https://www.wikidata.org/wiki/Q702362","display_name":"Default","level":2,"score":0.47418341040611267},{"id":"https://openalex.org/C199728807","wikidata":"https://www.wikidata.org/wiki/Q2578557","display_name":"Equity (law)","level":2,"score":0.4400593936443329},{"id":"https://openalex.org/C189326681","wikidata":"https://www.wikidata.org/wiki/Q10294","display_name":"Poverty","level":2,"score":0.41939643025398254},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.24721938371658325},{"id":"https://openalex.org/C50522688","wikidata":"https://www.wikidata.org/wiki/Q189833","display_name":"Economic growth","level":1,"score":0.19185218214988708},{"id":"https://openalex.org/C199539241","wikidata":"https://www.wikidata.org/wiki/Q7748","display_name":"Law","level":1,"score":0.0},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.0},{"id":"https://openalex.org/C124952713","wikidata":"https://www.wikidata.org/wiki/Q8242","display_name":"Literature","level":1,"score":0.0},{"id":"https://openalex.org/C142362112","wikidata":"https://www.wikidata.org/wiki/Q735","display_name":"Art","level":0,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"pmh:oai:DiVA.org:bth-2408","doi":null,"is_oa":true,"landing_page_url":"http://urn.kb.se/resolve?urn=urn:nbn:se:bth-2408","pdf_url":null,"source":{"id":"https://openalex.org/S4306400653","display_name":"Diva portal (Dalarna University Library)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"other-oa","license_id":"https://openalex.org/licenses/other-oa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"info:eu-repo/semantics/bachelorThesis"},{"id":"mag:1201173174","doi":null,"is_oa":false,"landing_page_url":"http://bth.diva-portal.org/smash/get/diva2:829684/FULLTEXT01.pdf","pdf_url":null,"source":null,"license":null,"license_id":null,"version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":null}],"best_oa_location":{"id":"pmh:oai:DiVA.org:bth-2408","doi":null,"is_oa":true,"landing_page_url":"http://urn.kb.se/resolve?urn=urn:nbn:se:bth-2408","pdf_url":null,"source":{"id":"https://openalex.org/S4306400653","display_name":"Diva portal (Dalarna University Library)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"other-oa","license_id":"https://openalex.org/licenses/other-oa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"info:eu-repo/semantics/bachelorThesis"},"sustainable_development_goals":[{"display_name":"Decent work and economic growth","id":"https://metadata.un.org/sdg/8","score":0.5263000130653381},{"display_name":"Industry, innovation and infrastructure","id":"https://metadata.un.org/sdg/9","score":0.4943999946117401}],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":17,"referenced_works":["https://openalex.org/W187857710","https://openalex.org/W222560546","https://openalex.org/W650765458","https://openalex.org/W1483997742","https://openalex.org/W1495110667","https://openalex.org/W1514296636","https://openalex.org/W1727522607","https://openalex.org/W1991386919","https://openalex.org/W1992461621","https://openalex.org/W2039882728","https://openalex.org/W2069679272","https://openalex.org/W2080485486","https://openalex.org/W2086177939","https://openalex.org/W2099744804","https://openalex.org/W2580824200","https://openalex.org/W2616872360","https://openalex.org/W3155518505"],"related_works":["https://openalex.org/W2606436574","https://openalex.org/W2189529414","https://openalex.org/W4363609556","https://openalex.org/W2410959202","https://openalex.org/W2341916041","https://openalex.org/W1796113532","https://openalex.org/W2946945258","https://openalex.org/W4364296569","https://openalex.org/W7218185941","https://openalex.org/W6949524693"],"abstract_inverted_index":{"This":[0],"study,":[1],"The":[2,252],"Challenges":[3],"faced":[4,187],"by":[5],"Small":[6],"and":[7,66,89,121,192,289],"Medium":[8],"Enterprises":[9],"in":[10,13,23,25,55,86,219,240],"Obtaining":[11],"Credit":[12],"Ghana,":[14],"was":[15,78],"undertaken":[16],"to":[17,28,40,68,83,112,128,131,139,181,200,213,225,238,258,265,279,299,301,304],"highlight":[18],"the":[19,56,60,75,87,101,107,113,141,152,164,214,226,241,244,248,266,270,285],"issues":[20],"facing":[21],"SMEs":[22,85,132,135,158,173,233,250,300],"Ghana":[24],"their":[26],"quest":[27],"accessing":[29],"bank":[30,120],"credit":[31,184,264,286],"(loans)":[32],"from":[33],"financial":[34,123,145,274],"institutions":[35,117,124,275],"(banks":[36,276],"&":[37,277],"non\u2013":[38],"banks)":[39],"undertake":[41],"various":[42],"activities;":[43],"be":[44],"it":[45,197],"general":[46],"business":[47],"operations":[48],"or":[49,205,263],"carrying":[50],"out":[51],"expansion":[52,206],"project":[53],"all":[54],"name":[57],"of":[58,96,143,154,167,171,217,221,231,243,247,284,292],"fulfilling":[59],"objectives":[61],"as":[62,119],"being":[63],"job":[64],"creators":[65],"helping":[67],"reduce":[69],"poverty.":[70],"In":[71],"tackling":[72],"this":[73,162,183],"topic,":[74],"quantitative":[76],"approach":[77],"adopted.":[79],"Questionnaires":[80],"were":[81],"circulated":[82],"80":[84],"Accra":[88],"Tema":[90],"metropolis":[91],"selected":[92],"through":[93,104],"a":[94],"technique":[95],"convenience":[97],"sampling.":[98],"Based":[99],"on":[100,202],"responses":[102],"received":[103],"these":[105,144,149,172,232],"questionnaires,":[106],"following":[108],"major":[109],"findings":[110],"came":[111],"fore.":[114],"There":[115],"are":[116,126,136,179,185,272],"such":[118],"non-bank":[122],"that":[125,234,297],"willing":[127],"provide":[129],"funds":[130],"but":[133],"Ghanaian":[134],"not":[137],"able":[138,180],"meet":[140],"requirements":[142,150],"institutions.":[146],"Chief":[147],"among":[148,174],"is":[151,163,235],"issue":[153,166],"collateral,":[155],"which":[156],"most":[157],"cannot":[159],"provide.":[160],"Aside":[161],"other":[165],"small":[168],"equity":[169],"base":[170],"others.":[175],"Secondly,":[176],"those":[177],"who":[178],"access":[182],"also":[186],"with":[188,211,255],"high":[189,215],"interest":[190],"rates":[191],"short":[193],"repayment":[194,220],"periods":[195],"making":[196],"very":[198],"difficult":[199],"embark":[201],"any":[203],"developmental":[204],"projects.":[207],"Another":[208],"interesting":[209],"revelation":[210],"regards":[212],"rate":[216],"defaults":[218],"loans":[222],"contracted,":[223],"relates":[224],"tight":[227],"Cash":[228],"flow":[229],"situations":[230],"mostly":[236],"due":[237],"difficulties":[239],"management":[242],"account":[245],"receivables":[246],"respective":[249],"surveyed.":[251],"study":[253],"concludes":[254],"some":[256],"recommendations":[257,271],"help":[259],"free":[260],"up":[261],"capital":[262],"SME":[267],"sector.":[268],"Among":[269],"encouraging":[273],"non-banks)":[278],"establish":[280],"factoring":[281],"services,":[282],"enforcement":[283],"reporting":[287],"act":[288],"finally":[290],"provision":[291],"tax":[293],"incentives":[294],"for":[295],"banks":[296],"lend":[298],"encourage":[302],"others":[303],"do":[305],"same.":[306]},"counts_by_year":[{"year":2025,"cited_by_count":3},{"year":2024,"cited_by_count":7},{"year":2023,"cited_by_count":12},{"year":2022,"cited_by_count":11},{"year":2021,"cited_by_count":8},{"year":2020,"cited_by_count":6},{"year":2019,"cited_by_count":13},{"year":2018,"cited_by_count":7},{"year":2017,"cited_by_count":5},{"year":2016,"cited_by_count":6},{"year":2014,"cited_by_count":2},{"year":2013,"cited_by_count":1},{"year":2012,"cited_by_count":1}],"updated_date":"2026-11-06T12:05:46.655746","created_date":"2016-06-24T00:00:00"}
