Asian Research Thesis Index

Abstract

This research study investigates the effects of lending policies of Khushhali Bank Limited (KBL) on
sustainability of micro enterprises. A sample size of 350 respondents was selected in district Charsadda
through random sampling technique. The research study uses multiple regression technique which shows that
there is a significant positive impact of independent variables on dependent variable. Majority of respondent
perceive that existing criteria of lending is complex and not loan friendly therefore restricts the accessibility to
the micro finance. The research also found that training of the borrower enhances the capacity and production
level.
The research also suggest that well designed monitoring system help in enhancing product quality which in
turn produce enough income for the enterprise thereby adding in the personal saving. Most of the respondents
viewed poor roads, telecommunications and poor information as main hurdles in and market accessibility and
market linkage development. The study recommends that in order to promote sustainable SMEs growth is to
review the existing SMEs prudential regulations to improve SMEs access to finance. Training and capacity
building of SMEs should be the priority of government, furthermore, banks/borrowing agencies should
develop and implement an appropriate system for monitoring utilization of loans.

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