Labour and Management in Development, Vol 13 (2012)

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FIRM SPECIFIC FACTORS AND ACCESS TO FINANCIAL SERVICES

Dulacha Barako

Abstract


An inclusive financial system is critical to economic development, poverty alleviation and reducing inequality. Access to finance is therefore integral to economic and human development. This paper, using data of Kenyan banks examines firm-specific determinants of access to financial services. Results indicate that firm (total assets and capitalisation) is strongly and positively associated with access to financial services. A case study review of growth trajectory of a local Kenyan bank corroborates the empirical findings.  


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