{"id":"https://openalex.org/W315113153","doi":null,"title":"The supply-demand factors interface and credit flow to small and micro enterprises (SMEs) in Uganda","display_name":"The supply-demand factors interface and credit flow to small and micro enterprises (SMEs) in Uganda","publication_year":2008,"publication_date":"2008-03-01","ids":{"openalex":"https://openalex.org/W315113153","mag":"315113153"},"language":"en","primary_location":{"id":"pmh:oai:dspace.stir.ac.uk:1893/493","doi":null,"is_oa":true,"landing_page_url":"http://hdl.handle.net/1893/493","pdf_url":"http://hdl.handle.net/1893/493","source":{"id":"https://openalex.org/S4306400268","display_name":"Stirling Online Research Repository (University of Stirling)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I12093191","host_organization_name":"University of Stirling","host_organization_lineage":["https://openalex.org/I12093191"],"host_organization_lineage_names":[],"type":"repository"},"license":"public-domain","license_id":"https://openalex.org/licenses/public-domain","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"","raw_type":"Thesis or Dissertation"},"volume":null,"type":"dissertation","is_traditional":true,"indexed_in":[],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"http://hdl.handle.net/1893/493","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5074138720","display_name":"Julius Kakuru","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":true,"raw_author_name":"Julius Kakuru","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":["https://openalex.org/A5074138720"],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":true,"cited_by_count":18,"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":0.6538000106811523,"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":0.6538000106811523,"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":0.33980000019073486,"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/T13744","display_name":"Financial Literacy and Behavior","score":0.0008999999845400453,"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/micro-and-small-enterprises","display_name":"micro and small enterprises","score":0.8809999823570251},{"id":"https://openalex.org/keywords/sme-access-to-credit","display_name":"SME credit access","score":0.7039999961853027},{"id":"https://openalex.org/keywords/bank-lending-to-smes","display_name":"bank lending to SMEs","score":0.9259999990463257},{"id":"https://openalex.org/keywords/loan-officers","display_name":"loan officers","score":0.7210000157356262},{"id":"https://openalex.org/keywords/debtor-creditor-relations","display_name":"creditor-debtor relations","score":0.7900000214576721},{"id":"https://openalex.org/keywords/women-owned-smes","display_name":"women-owned SMEs","score":0.7699999809265137},{"id":"https://openalex.org/keywords/uganda","display_name":"Uganda","score":0.4580000042915344},{"id":"https://openalex.org/keywords/developing-countries","display_name":"developing countries","score":0.574999988079071},{"id":"https://openalex.org/keywords/women-s-empowerment","display_name":"women's empowerment","score":0.33799999952316284}],"concepts":[{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.7314376831054688},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.650609016418457},{"id":"https://openalex.org/C48879800","wikidata":"https://www.wikidata.org/wiki/Q622439","display_name":"Small and medium-sized enterprises","level":2,"score":0.46173015236854553},{"id":"https://openalex.org/C182306322","wikidata":"https://www.wikidata.org/wiki/Q1779371","display_name":"Order (exchange)","level":2,"score":0.460541695356369},{"id":"https://openalex.org/C28129649","wikidata":"https://www.wikidata.org/wiki/Q926217","display_name":"Microfinance","level":2,"score":0.45630401372909546},{"id":"https://openalex.org/C2779343474","wikidata":"https://www.wikidata.org/wiki/Q3109175","display_name":"Context (archaeology)","level":2,"score":0.4330381155014038},{"id":"https://openalex.org/C83864248","wikidata":"https://www.wikidata.org/wiki/Q177323","display_name":"Developing country","level":2,"score":0.43015438318252563},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.4146886467933655},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.346309632062912},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.22152301669120789},{"id":"https://openalex.org/C50522688","wikidata":"https://www.wikidata.org/wiki/Q189833","display_name":"Economic growth","level":1,"score":0.170772522687912},{"id":"https://openalex.org/C151730666","wikidata":"https://www.wikidata.org/wiki/Q7205","display_name":"Paleontology","level":1,"score":0.0},{"id":"https://openalex.org/C86803240","wikidata":"https://www.wikidata.org/wiki/Q420","display_name":"Biology","level":0,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"pmh:oai:dspace.stir.ac.uk:1893/493","doi":null,"is_oa":true,"landing_page_url":"http://hdl.handle.net/1893/493","pdf_url":"http://hdl.handle.net/1893/493","source":{"id":"https://openalex.org/S4306400268","display_name":"Stirling Online Research Repository (University of Stirling)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I12093191","host_organization_name":"University of Stirling","host_organization_lineage":["https://openalex.org/I12093191"],"host_organization_lineage_names":[],"type":"repository"},"license":"public-domain","license_id":"https://openalex.org/licenses/public-domain","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"","raw_type":"Thesis or Dissertation"},{"id":"mag:315113153","doi":null,"is_oa":false,"landing_page_url":"https://dspace.stir.ac.uk/bitstream/1893/493/1/Julius%20Kakuru%20PhD.%20March%202008.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:dspace.stir.ac.uk:1893/493","doi":null,"is_oa":true,"landing_page_url":"http://hdl.handle.net/1893/493","pdf_url":"http://hdl.handle.net/1893/493","source":{"id":"https://openalex.org/S4306400268","display_name":"Stirling Online Research Repository (University of Stirling)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I12093191","host_organization_name":"University of Stirling","host_organization_lineage":["https://openalex.org/I12093191"],"host_organization_lineage_names":[],"type":"repository"},"license":"public-domain","license_id":"https://openalex.org/licenses/public-domain","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"","raw_type":"Thesis or Dissertation"},"sustainable_development_goals":[{"score":0.9211000204086304,"display_name":"Decent work and economic growth","id":"https://metadata.un.org/sdg/8"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W315113153.pdf","grobid_xml":"https://content.openalex.org/works/W315113153.grobid-xml"},"referenced_works_count":102,"referenced_works":["https://openalex.org/W7599134","https://openalex.org/W15047419","https://openalex.org/W96897506","https://openalex.org/W133672200","https://openalex.org/W245702576","https://openalex.org/W404743413","https://openalex.org/W436649886","https://openalex.org/W591226023","https://openalex.org/W648487139","https://openalex.org/W1493872126","https://openalex.org/W1501708072","https://openalex.org/W1505999675","https://openalex.org/W1513634627","https://openalex.org/W1513943390","https://openalex.org/W1529346709","https://openalex.org/W1559468130","https://openalex.org/W1567745121","https://openalex.org/W1601548976","https://openalex.org/W1608170983","https://openalex.org/W1964725174","https://openalex.org/W1967859498","https://openalex.org/W1968012593","https://openalex.org/W1969991258","https://openalex.org/W1979217540","https://openalex.org/W1981047572","https://openalex.org/W1981441871","https://openalex.org/W1981506183","https://openalex.org/W1982842959","https://openalex.org/W1984170438","https://openalex.org/W1986436581","https://openalex.org/W1987779043","https://openalex.org/W1988448057","https://openalex.org/W1990297729","https://openalex.org/W1992179596","https://openalex.org/W1994225415","https://openalex.org/W1997012386","https://openalex.org/W1998024529","https://openalex.org/W1999162001","https://openalex.org/W2002777121","https://openalex.org/W2005649001","https://openalex.org/W2006562495","https://openalex.org/W2007994379","https://openalex.org/W2008018630","https://openalex.org/W2015274768","https://openalex.org/W2015654997","https://openalex.org/W2017307983","https://openalex.org/W2018084179","https://openalex.org/W2021903477","https://openalex.org/W2027700950","https://openalex.org/W2028456306","https://openalex.org/W2032548748","https://openalex.org/W2038125955","https://openalex.org/W2039392316","https://openalex.org/W2039564654","https://openalex.org/W2041065888","https://openalex.org/W2042206066","https://openalex.org/W2042309376","https://openalex.org/W2043458814","https://openalex.org/W2044734326","https://openalex.org/W2045430942","https://openalex.org/W2046820769","https://openalex.org/W2049141155","https://openalex.org/W2053501256","https://openalex.org/W2055308182","https://openalex.org/W2056452058","https://openalex.org/W2057473933","https://openalex.org/W2058352751","https://openalex.org/W2059168045","https://openalex.org/W2065362157","https://openalex.org/W2068009059","https://openalex.org/W2069504938","https://openalex.org/W2069679272","https://openalex.org/W2072015659","https://openalex.org/W2079143766","https://openalex.org/W2085509128","https://openalex.org/W2089371540","https://openalex.org/W2090393357","https://openalex.org/W2095299437","https://openalex.org/W2096360482","https://openalex.org/W2100208018","https://openalex.org/W2105394445","https://openalex.org/W2116456350","https://openalex.org/W2118549945","https://openalex.org/W2118706223","https://openalex.org/W2124743631","https://openalex.org/W2129892168","https://openalex.org/W2135412505","https://openalex.org/W2147206933","https://openalex.org/W2148709914","https://openalex.org/W2158551555","https://openalex.org/W2165684477","https://openalex.org/W2312851934","https://openalex.org/W2335422383","https://openalex.org/W2479958976","https://openalex.org/W2804597124","https://openalex.org/W2903391273","https://openalex.org/W3034039979","https://openalex.org/W3121883629","https://openalex.org/W3123067304","https://openalex.org/W3123864768","https://openalex.org/W3125405603","https://openalex.org/W3125439860"],"related_works":["https://openalex.org/W2611181228","https://openalex.org/W2932173376","https://openalex.org/W7207630098","https://openalex.org/W2944709739","https://openalex.org/W2912498092","https://openalex.org/W2754154178","https://openalex.org/W4403946120","https://openalex.org/W7213577778","https://openalex.org/W7198586164","https://openalex.org/W3210071493"],"abstract_inverted_index":{"The":[0,386],"potential":[1],"of":[2,29,56,60,64,83,105,112,146,160,178,180,190,233,241,249,261,283,338,353,356,381,399,427,454,477,505,538],"small":[3],"and":[4,14,20,25,87,131,136,139,142,149,167,183,210,226,245,247,254,403,442,473,486,528,549,556,568],"micro-enterprises":[5],"(SMEs)":[6],"in":[7,11,38,48,69,77,90,97,219,231,271,296,319,324,336,346,375,391,509,530,551,564],"promoting":[8,575],"economic":[9],"growth":[10],"both":[12,23,124,471],"developed":[13],"developing":[15,39],"countries":[16],"is":[17,54,277,490,516,558],"widely":[18],"accepted":[19],"documented":[21],"by":[22,329,360,433],"scholars":[24],"policy":[26],"makers.":[27],"Lack":[28],"access":[30,409,451],"to":[31,79,93,114,174,197,201,221,264,290,298,314,349,372,377,408,420,450,511,532,560,578],"sufficient":[32],"financing":[33],"for":[34,500,574],"these":[35,284],"SMEs,":[36,202,422],"especially":[37],"countries,":[40],"has":[41],"been":[42,195],"identified":[43],"as":[44,207,278,280],"a":[45,143,171,188,292,534,570],"major":[46,58],"bottleneck":[47],"realising":[49],"this":[50,339,416],"potential.":[51],"Bank":[52],"credit":[53,91,262,305,383,410,455,576],"one":[55],"the":[57,62,70,81,94,118,126,132,161,176,222,228,269,281,304,320,351,354,368,394,506,579],"ways":[59],"addressing":[61],"challenge":[63],"inadequate":[65],"funding":[66],"that":[67,193,268,311,445,463,469,493,519],"exists":[68],"SME":[71,88,95,150,565,581],"sector.":[72,582],"This":[73,185,266,541],"study":[74,119,461],"was":[75,122,155,309,333],"undertaken":[76],"order":[78,297,376,510,531],"explore":[80],"experiences":[82,179],"bank":[84,199,223,242,400,434,545],"loan":[85,129,147,165,181,252,300,330,344,358,361,373,526,547],"officers":[86,166,182,253,374,527,548],"borrowers":[89,312,341,365,395,501,529,550],"extension":[92],"sector":[96],"Uganda.":[98],"\\nThe":[99,214,460],"research":[100],"methodology":[101],"used":[102,196],"multiple":[103],"methods":[104,205],"data":[106,154],"collection":[107],"which":[108,169,272,543],"enabled":[109,170],"an":[110,316,347],"element":[111],"triangulation":[113],"be":[115,522],"built":[116],"into":[117],"design.":[120],"Data":[121],"collected":[123,156],"from":[125,384],"supply-side":[127,215],"(bank":[128],"officers)":[130],"demand-side":[133],"(SME":[134],"borrowers),":[135],"entailed":[137],"unstructured":[138],"semi-structured":[140],"interviews":[141,163],"questionnaire":[144],"survey":[145],"officer":[148,301],"borrower":[151,236],"experience.":[152],"Further":[153],"through":[157],"direct":[158],"observation":[159],"interactive":[162],"between":[164,251],"borrowers,":[168],"unique":[172],"opportunity":[173],"enhance":[175,378],"understanding":[177],"borrowers.":[184],"method":[186],"offers":[187],"development":[189],"extant":[191],"methodologies":[192],"have":[194],"assess":[198],"lending":[200,224,243,273,401,435,467,507,539,554,566],"typically":[203],"indirect":[204],"such":[206],"verbal":[208],"protocols":[209],"hypothetical":[211],"business":[212],"plans.":[213],"findings":[216,387],"suggest":[217,389],"that,":[218,335,390],"addition":[220],"guidelines":[225,244,274,402,468,555],"procedures,":[227,557],"organisational":[229,255,294],"context":[230,270,295],"terms":[232],"institutional":[234],"structure,":[235],"attributes":[237],"(especially":[238],"their":[239,357,379,412,457],"knowledge":[240,398],"procedures)":[246],"level":[248],"congruence":[250],"goals":[256],"are":[257,275,438],"important":[258],"determining":[259],"factors":[260,482],"flow":[263],"SMEs.":[265],"implies":[267],"implemented":[276],"vital":[279],"application":[282],"guidelines.":[285],"Banks":[286],"are,":[287],"therefore,":[288],"challenged":[289],"ensure":[291],"favourable":[293],"facilitate":[299],"decisions.":[302],"\\nOn":[303],"demand":[306,474],"side,":[307],"it":[308,406],"found":[310],"seek":[313],"play":[315],"active":[317],"role":[318],"lender-borrower":[321],"relationship":[322],"which,":[323],"turn,":[325],"influences":[326],"decisions":[327,567],"made":[328],"officers.":[331,362],"It":[332,489,515],"established":[334],"pursuit":[337],"role,":[340],"deliberately":[342],"pre-plan":[343],"requests":[345],"effort":[348],"influence":[350,513],"results":[352],"evaluation":[355],"applications":[359],"At":[363],"times,":[364],"intentionally":[366],"manipulate":[367],"information":[369,562],"they":[370],"disclose":[371],"chances":[380],"obtaining":[382],"banks.":[385],"also":[388,491],"most":[392,447],"cases,":[393],"with":[396,525],"some":[397],"procedures":[404],"find":[405],"easier":[407],"than":[411,456],"counterparts":[413],"who":[414],"lack":[415],"knowledge.":[417],"With":[418],"regard":[419],"women-owned":[421,431,448],"while":[423],"there":[424,437,520],"little":[425],"evidence":[426],"\u2018official\u2019":[428],"discrimination":[429],"against":[430],"SMEs":[432,449],"policies,":[436],"systematic,":[439],"cultural,":[440],"social":[441],"legal":[443],"impediments":[444],"lead":[446],"lower":[452],"levels":[453],"male":[458],"counterparts.":[459],"recommends":[462],"banks":[464,494],"should":[465,495,521],"design":[466],"integrate":[470],"supply":[472,481],"factors,":[475],"instead":[476],"focusing":[478],"only":[479],"on":[480],"like":[483],"project":[484],"viability":[485],"collateral":[487],"availability.":[488],"recommended":[492,518],"develop":[496,533],"comprehensive":[497],"training":[498],"programmes":[499],"about":[502],"all":[503],"aspects":[504],"transaction":[508],"positively":[512],"them.":[514],"further":[517],"more":[523,571],"consultations":[524],"mutually":[535],"acceptable":[536],"set":[537],"policies.":[540],"approach,":[542],"integrates":[544],"management,":[546],"drawing":[552],"up":[553],"likely":[559],"minimise":[561],"asymmetry":[563],"create":[569],"conducive":[572],"environment":[573],"availability":[577],"Ugandan":[580]},"counts_by_year":[{"year":2023,"cited_by_count":2},{"year":2022,"cited_by_count":1},{"year":2021,"cited_by_count":1},{"year":2020,"cited_by_count":1},{"year":2019,"cited_by_count":2},{"year":2018,"cited_by_count":2},{"year":2017,"cited_by_count":2},{"year":2016,"cited_by_count":2},{"year":2015,"cited_by_count":1},{"year":2014,"cited_by_count":2},{"year":2012,"cited_by_count":2}],"updated_date":"2026-11-04T10:54:05.112534","created_date":"2016-06-24T00:00:00"}
