The International Institute for Science, Technology and Education (IISTE)
This paper was to test the determinants of factor(s) impacts access to debt financing by Small and Medium-sized Enterprises (SMEs). The research evaluates the extent on how the firm and the owner-manager factors impact upon the firms' access to debt financing were evaluated. This study was conducted in 2012, based on a survey of 164 Tanzanian firms. The appropriateness and the support of the determinant factors impact SMEs' access to external debt financing were empirically analyzed. The research design was quantitative in nature involving testing various hypotheses and theories about the associations between perceived constructs.