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06/05/2012

Research Proposal on The Impact of Micro Finance Institutions on Small and Medium Enterprises in Rural Kenya


Title

                The proposed title for the study is The Impact of Micro Finance Institutions on Small and Medium Enterprises in Rural Kenya. This paper will show the goals and objectives of the paper and the different instruments, procedures and approaches to be used in order to successfully implement the research.

Background of the Study/Literature Review

                In Kenya, micro finance institution focuses on eliminating poverty. It focuses on helping people in poverty and small to medium businesses to access additional resources. One of said institutions in Kenya is the Kenya Rural Enterprise Program (K-REP). It is a non-governmental organization which was implemented in 1984 under the funding of USAID. The objective and goal of the institution is to channel financial and technical assistance and training towards the local non-governmental organization which wish to start or expand credit programs for the development of SME. In 1993, K-REP was registered as an NGO under the NGO registration Act of 1992 (K-REP, 2003). Currently, K-REP is fully licensed as a bank and provides a wide range of banking services in addition to its micro finance specialty (Dondo, 1991). According to Rosengard et al. (2000) K-REP already expanded its services.

Aims and Objectives

                The main aim of the study is to evaluate the influence of micro finance institutions on small and medium enterprises in rural Kenya (SME). In line with this the following are the specific objectives of the study:

·         To analyze the current condition of SMEs in rural Kenya

·         To evaluate the roles of micro finance institutions in the economy, in general; and

·         To assess the influence of micro finance institutions in the performance of SMEs in Kenya.

Methodology

Descriptive method will be used in the study. According to Creswell (1994) it can help in order to show the different facts that are connected with the nature of the status of the current problem or condition as it happens at the time of the study. This is the reason why, it is considered as one of the most applied methodology in most studies. Furthermore, it will also be helpful in order to offer logical use in the studies which focus on dissemination of information, at the same time, it can help in order to investigate based on normative standards. It will be helpful in order to focus on the practices which exist, beliefs and processes that are currently going on and the effects that are being felt and experienced, together with the trends that re currently developing (Best, 1907).

1.1    Data Collection

Survey questionnaire will be used in order to gather primary data from the respondents. Likert scales will be used, where in the respondents will be asked to rate the level of their agreements towards the statements given. This will also be advantageous because it will make filling up questionnaire a lot easier and faster.

The equivalent weights of the answers are:

Range                                      Interpretation

4.50 – 5.00                                         Strongly Agree

3.50 – 4. 49                                        Agree

2.50 – 3.49                                         Uncertain

1.50 – 2.49                                          Disagree

0.00 – 1.49                                          Strongly Disagree

1.2   Sample Frame

The target population for the study is 50 managers from Micro-Finance institutions in the country. In addition, a total of 100 questionnaires will be disseminated to SME managers in the country.

1.3   Data Analysis

All of the data will be evaluated with the use of SPSS software. Thus, in order to come up with the results and findings of the study, frequency, percentage and weighted mean will be calculated. The following are the formulas to be used:

1.        Percentage – will be calculated in order to determine the magnitude of the responses to the questionnaire (Research Methods Knowledge Base, n.d.).

2.       Weighted Mean

References

 

Best, J. W. (1970). Research in Education, 2nd Ed. Englewood Cliffs. N.J.: Prentice Hall, Inc.

 

Creswell, J.W. (1994). Research design. Qualitative and quantitative approaches. Thousand Oaks, California: Sage.

 

Dondo, C. A. (1991). Survey and analysis of credit programs for small and micro enterprises in Kenya. Nairobi, Kenya Rural Enterprises Programme.

 

 

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