{"id":"https://openalex.org/W2063835396","doi":"https://doi.org/10.4236/ajibm.2014.411069","title":"The Effect of Age and Educational Level of Owner/Managers on SMMEs\u2019 Access to Bank Loan in Eritrea: Evidence from Asmara City","display_name":"The Effect of Age and Educational Level of Owner/Managers on SMMEs\u2019 Access to Bank Loan in Eritrea: Evidence from Asmara City","publication_year":2014,"publication_date":"2014-01-01","ids":{"openalex":"https://openalex.org/W2063835396","doi":"https://doi.org/10.4236/ajibm.2014.411069","mag":"2063835396"},"language":"en","primary_location":{"id":"doi:10.4236/ajibm.2014.411069","doi":"https://doi.org/10.4236/ajibm.2014.411069","is_oa":true,"landing_page_url":"https://doi.org/10.4236/ajibm.2014.411069","pdf_url":"https://content.scirp.org/pdf/ajibm_2014111810545279.pdf","source":{"id":"https://openalex.org/S2764860561","display_name":"American Journal of Industrial and Business Management","issn_l":"2164-5167","issn":["2164-5167","2164-5175"],"is_oa":true,"is_in_doaj":false,"is_core":true,"listed_in":["anvur-scientific","cwts-core"],"host_organization":"https://openalex.org/P4310320480","host_organization_name":"Scientific Research Publishing","host_organization_lineage":["https://openalex.org/P4310320480"],"host_organization_lineage_names":["Scientific Research Publishing"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"American Journal of Industrial and Business Management","raw_type":"journal-article"},"volume":null,"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://content.scirp.org/pdf/ajibm_2014111810545279.pdf","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5009470693","display_name":"Sebhatu Kefleyesus Ogubazghi","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I26805570","display_name":"Jomo Kenyatta University of Agriculture and Technology","ror":"https://ror.org/015h5sy57","country_code":"KE","type":"education","lineage":["https://openalex.org/I26805570"]}],"countries":["KE"],"is_corresponding":false,"raw_author_name":"Sebhatu Kefleyesus Ogubazghi","raw_affiliation_strings":["Economics, Finance and Accounting Department, Jomo Kenyatta University of Agriculture and Technology, Main Campus, Juja, Kenya"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Economics, Finance and Accounting Department, Jomo Kenyatta University of Agriculture and Technology, Main Campus, Juja, Kenya","institution_ids":["https://openalex.org/I26805570"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5110625770","display_name":"Willy Muturi","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I26805570","display_name":"Jomo Kenyatta University of Agriculture and Technology","ror":"https://ror.org/015h5sy57","country_code":"KE","type":"education","lineage":["https://openalex.org/I26805570"]}],"countries":["KE"],"is_corresponding":false,"raw_author_name":"Willy Muturi","raw_affiliation_strings":["Economics, Finance and Accounting Department, Jomo Kenyatta University of Agriculture and Technology, Main Campus, Juja, Kenya"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Economics, Finance and Accounting Department, Jomo Kenyatta University of Agriculture and Technology, Main Campus, Juja, Kenya","institution_ids":["https://openalex.org/I26805570"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I26805570"],"apc_list":null,"apc_paid":null,"fwci":5.7835,"has_fulltext":true,"cited_by_count":58,"citation_normalized_percentile":{"value":0.95565373,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":93,"max":99},"biblio":{"volume":"04","issue":"11","first_page":"632","last_page":"643"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.5687999725341797,"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"}},"topics":[{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.5687999725341797,"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/T10127","display_name":"Banking stability, regulation, efficiency","score":0.4058000147342682,"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/T13744","display_name":"Financial Literacy and Behavior","score":0.008799999952316284,"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/access-to-credit","display_name":"access to credit","score":0.8830000162124634},{"id":"https://openalex.org/keywords/small-and-medium-sized-enterprises","display_name":"small and medium-sized enterprises","score":0.9580000042915344},{"id":"https://openalex.org/keywords/owner-manager-characteristics","display_name":"owner-manager characteristics","score":0.8669999837875366},{"id":"https://openalex.org/keywords/sme-financing","display_name":"SME financing","score":0.8259999752044678},{"id":"https://openalex.org/keywords/eritrea","display_name":"Eritrea","score":0.6949999928474426},{"id":"https://openalex.org/keywords/asmara","display_name":"Asmara","score":0.9869999885559082}],"concepts":[{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.7810445427894592},{"id":"https://openalex.org/C151956035","wikidata":"https://www.wikidata.org/wiki/Q1132755","display_name":"Logistic regression","level":2,"score":0.6445271372795105},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6337020397186279},{"id":"https://openalex.org/C39896193","wikidata":"https://www.wikidata.org/wiki/Q380344","display_name":"Descriptive statistics","level":2,"score":0.5745244026184082},{"id":"https://openalex.org/C198531522","wikidata":"https://www.wikidata.org/wiki/Q485146","display_name":"Sample (material)","level":2,"score":0.5665701627731323},{"id":"https://openalex.org/C2983734796","wikidata":"https://www.wikidata.org/wiki/Q848507","display_name":"Commercial bank","level":2,"score":0.45221367478370667},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.4254893660545349},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.32724112272262573},{"id":"https://openalex.org/C71924100","wikidata":"https://www.wikidata.org/wiki/Q11190","display_name":"Medicine","level":0,"score":0.10432156920433044},{"id":"https://openalex.org/C105795698","wikidata":"https://www.wikidata.org/wiki/Q12483","display_name":"Statistics","level":1,"score":0.07712262868881226},{"id":"https://openalex.org/C126322002","wikidata":"https://www.wikidata.org/wiki/Q11180","display_name":"Internal medicine","level":1,"score":0.0},{"id":"https://openalex.org/C43617362","wikidata":"https://www.wikidata.org/wiki/Q170050","display_name":"Chromatography","level":1,"score":0.0},{"id":"https://openalex.org/C185592680","wikidata":"https://www.wikidata.org/wiki/Q2329","display_name":"Chemistry","level":0,"score":0.0},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.4236/ajibm.2014.411069","doi":"https://doi.org/10.4236/ajibm.2014.411069","is_oa":true,"landing_page_url":"https://doi.org/10.4236/ajibm.2014.411069","pdf_url":"https://content.scirp.org/pdf/ajibm_2014111810545279.pdf","source":{"id":"https://openalex.org/S2764860561","display_name":"American Journal of Industrial and Business Management","issn_l":"2164-5167","issn":["2164-5167","2164-5175"],"is_oa":true,"is_in_doaj":false,"is_core":true,"listed_in":["anvur-scientific","cwts-core"],"host_organization":"https://openalex.org/P4310320480","host_organization_name":"Scientific Research Publishing","host_organization_lineage":["https://openalex.org/P4310320480"],"host_organization_lineage_names":["Scientific Research Publishing"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"American Journal of Industrial and Business Management","raw_type":"journal-article"},{"id":"pmh:oai:CiteSeerX.psu:10.1.1.910.4631","doi":null,"is_oa":false,"landing_page_url":"http://citeseerx.ist.psu.edu/viewdoc/summary?doi=10.1.1.910.4631","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"http://file.scirp.org/pdf/AJIBM_2014111810545279.pdf","raw_type":"text"}],"best_oa_location":{"id":"doi:10.4236/ajibm.2014.411069","doi":"https://doi.org/10.4236/ajibm.2014.411069","is_oa":true,"landing_page_url":"https://doi.org/10.4236/ajibm.2014.411069","pdf_url":"https://content.scirp.org/pdf/ajibm_2014111810545279.pdf","source":{"id":"https://openalex.org/S2764860561","display_name":"American Journal of Industrial and Business Management","issn_l":"2164-5167","issn":["2164-5167","2164-5175"],"is_oa":true,"is_in_doaj":false,"is_core":true,"listed_in":["anvur-scientific","cwts-core"],"host_organization":"https://openalex.org/P4310320480","host_organization_name":"Scientific Research Publishing","host_organization_lineage":["https://openalex.org/P4310320480"],"host_organization_lineage_names":["Scientific Research Publishing"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"American Journal of Industrial and Business Management","raw_type":"journal-article"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/8","score":0.9211000204086304,"display_name":"Decent work and economic growth"},{"id":"https://metadata.un.org/sdg/10","score":0.4000000059604645,"display_name":"Reduced inequalities"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W2063835396.pdf","grobid_xml":"https://content.openalex.org/works/W2063835396.grobid-xml"},"referenced_works_count":44,"referenced_works":["https://openalex.org/W68633331","https://openalex.org/W188326880","https://openalex.org/W297145395","https://openalex.org/W1000271762","https://openalex.org/W1479992970","https://openalex.org/W1492784052","https://openalex.org/W1506884483","https://openalex.org/W1546523058","https://openalex.org/W1552697621","https://openalex.org/W1595867746","https://openalex.org/W1620170614","https://openalex.org/W1766309827","https://openalex.org/W1911008268","https://openalex.org/W1968310721","https://openalex.org/W1970041141","https://openalex.org/W1973948212","https://openalex.org/W1980054584","https://openalex.org/W1986106498","https://openalex.org/W2016382728","https://openalex.org/W2022281628","https://openalex.org/W2023288482","https://openalex.org/W2060397500","https://openalex.org/W2064274768","https://openalex.org/W2099182309","https://openalex.org/W2105850210","https://openalex.org/W2110137145","https://openalex.org/W2117315062","https://openalex.org/W2119780569","https://openalex.org/W2122775080","https://openalex.org/W2129600879","https://openalex.org/W2131498408","https://openalex.org/W2141054652","https://openalex.org/W2145230029","https://openalex.org/W2148839573","https://openalex.org/W2157081548","https://openalex.org/W2162697713","https://openalex.org/W2169693233","https://openalex.org/W2187854560","https://openalex.org/W2466142057","https://openalex.org/W2602864464","https://openalex.org/W2801556365","https://openalex.org/W3125177094","https://openalex.org/W4239627600","https://openalex.org/W4240459836"],"related_works":["https://openalex.org/W3042712782","https://openalex.org/W3005212805","https://openalex.org/W2183091498","https://openalex.org/W4229979989","https://openalex.org/W6968041963","https://openalex.org/W2790427568","https://openalex.org/W2587198138","https://openalex.org/W7055691438","https://openalex.org/W3037786881","https://openalex.org/W7108208088"],"abstract_inverted_index":{"The":[0,70],"general":[1],"objective":[2],"of":[3,12,23,79,97],"this":[4],"study":[5],"was":[6,30,43],"to":[7,18,66,88,107,119],"find":[8],"out":[9,76],"the":[10,56,68,80,92,98,111],"influence":[11],"owner/manager":[13,81,99],"characteristics":[14],"on":[15,85,105,116],"SMEs\u2019":[16],"access":[17,87,106,118],"bank":[19,89,108,120],"loan.":[20,90,109,121],"A":[21,39],"sample":[22],"87":[24],"small":[25],"and":[26,48,59],"medium":[27],"manufacturing":[28],"enterprises":[29],"drawn":[31],"from":[32],"Asmara":[33],"city":[34],"using":[35,72],"proportionate":[36],"systematic":[37],"sampling.":[38],"reliable":[40],"primary":[41],"data":[42],"collected":[44],"through":[45],"semi":[46],"structured":[47,49],"questionnaires":[50],"which":[51],"were":[52,64],"personally":[53],"administered":[54],"by":[55],"researcher.":[57],"Descriptive":[58],"econometric":[60],"statistical":[61],"analysis":[62],"techniques":[63],"used":[65],"analyze":[67],"data.":[69],"study,":[71],"logistic":[73],"regression,":[74],"found":[75],"that":[77],"age":[78],"has":[82],"significant":[83,103],"effect":[84,104,115],"SMMEs\u2019":[86,117],"On":[91],"other":[93],"hand,":[94],"educational":[95],"level":[96],"does":[100],"not":[101],"have":[102,113],"Both":[110],"variables":[112],"positive":[114]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":6},{"year":2024,"cited_by_count":7},{"year":2023,"cited_by_count":3},{"year":2022,"cited_by_count":8},{"year":2021,"cited_by_count":9},{"year":2020,"cited_by_count":3},{"year":2019,"cited_by_count":7},{"year":2018,"cited_by_count":7},{"year":2017,"cited_by_count":3},{"year":2016,"cited_by_count":2},{"year":2015,"cited_by_count":2}],"updated_date":"2026-10-30T12:39:25.321706","created_date":"2016-06-24T00:00:00"}
