However SME growth is negatively influenced by the labour laws which prohibit access to cheap foreign labour. Access to bank credit has a positive and significant effect on the growth of SMEs. Data Sources Three types of data sources were used in institutional analysis of the role of institutions in promoting the development and growth of SMEs: documentary review, institutional survey data, and SME survey data.
Kalleberg, L. Penrose, E.
Hagen, K. Mabogo Dinku offers short term loans from P Woldie, A. The documentary review focussed on key documents from institutions such as annual operational reports, business plans, audited financial statements.
Pissarides, F. CEDA provides different lines of credit to SMEs which include debt finance for retail operations, debt finance for services operations, the credit guarantee scheme, and invoice discounting CEDA,