THE EFFECTS OF CREDIT MANAGEMENT ON THE OPERATION OF SELECTED SMALL SCALE ENTERPRISES WITHIN IBARAPA AXIS
Abstract
ABSTRACT
The study examined the effects of credit management on the operation of selected small scale enterprises within Ibarapa Axis. The study was guided by the three objectives and three questions. The study used descriptive research design. The sample size of the study was 40 respondents. Data for the study was collected using structured questionnaire and analyzed using descriptive. Findings from the study indicate to identify the various ways of managing credits in SSES. To identify the various of credits available to SSES and the effects of the sources on the success of SSES. The study therefore recommends the need to regularly train credit managers, staff and workers on the methods on appraisal techniques so as to be able to identify entrepreneurs worthy of receiving and utilizing credit for business purpose, and this process in turn reduces non-performing loans. It is also important for the credit staff to be equipped enough to provide their clients especially small-scale entrepreneurs with financial advice regarding keeping proper books of records
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