摘要：Access to finance has been identified as a dominant constraint facing the Ghanaian Small and Medium Enterprises (SME) sector.This study examines how the finance gap for SMEs might be addressed by means of policies to support other financing initiatives other than commercial finance by the conventional financial institutions.This study through a questionnaire survey investigates the awareness and use of these various financing schemes (quasi-commercial credit) available to the SME sector.The study also ascertains the difficulties SMEs encounter in accessing these financing sources.The results of the study reveal low awareness and usage levels of the various financing initiatives among SMEs.Most of the schemes are perceived as difficult to access.A number of specific action areas have been identified for proactive public policy for small business finance in Ghana.
关键词：Access to finance has been identified as a dominant constraint facing the Ghanaian Small and Medium Enterprises (SME) sector.This study examines how the finance gap for SMEs might be addressed by means of policies to support other financing initiatives other than commercial finance by the conventional financial institutions.This study through a questionnaire survey investigates the awareness and use of these various financing schemes (quasi-commercial credit) available to the SME sector.The study also ascertains the difficulties SMEs encounter in accessing these financing sources.The results of the study reveal low awareness and usage levels of the various financing initiatives among SMEs.Most of the schemes are perceived as difficult to access.A number of specific action areas have been identified for proactive public policy for small business finance in Ghana.
