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Interview Guide

The document is an interview guide for MBA students conducting research on the challenges and prospects of SME financing in Ghana, specifically from the perspective of the National Investment Bank Ltd. It includes a series of questions aimed at understanding SME operations, financing schemes, performance, and challenges faced by SMEs in obtaining financing. The interviewers assure confidentiality and seek candid responses to compile a comprehensive report.

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3 views3 pages

Interview Guide

The document is an interview guide for MBA students conducting research on the challenges and prospects of SME financing in Ghana, specifically from the perspective of the National Investment Bank Ltd. It includes a series of questions aimed at understanding SME operations, financing schemes, performance, and challenges faced by SMEs in obtaining financing. The interviewers assure confidentiality and seek candid responses to compile a comprehensive report.

Uploaded by

kojomills19
Copyright
© All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as DOCX, PDF, TXT or read online on Scribd

INTERVIEW GUIDE

Name of Interviewer(s) : Edmund Amartey Amarkwei, Mariam Bukari and Rebecca Baah

Date:

Name of Interviewee:

Staff Designation/Schedule:

Good morning/Good Afternoon/Good Evening:.

Topic: Challenges and prospects of Small Scale and Medium Enterprises (SME) financing

in Ghana: the financial institutions’ perspectives (National Investment Bank Ltd.)

The researchers of the above topic are MBA in Accounting and Finance students of UPSA. This

interview is being conducted to get your input about the aforementioned subject. We are

especially interested in any problems you have faced or are aware of and recommendations you

have.

We will be glad if you are candid to grant us tape recording of this conversation. I assure you

that all your comments will remain confidential. Again we will be compiling a report which will

contain staff comments without making any reference to individuals.

1. Question: -What are your general views on SME operations in the municipality as an

SME manager in your Organization?

2. Question: -Have SMEs lived up to expectation from your records?


3. Question -What do you think might account for this poor performance of SMEs in the

municipality?

4. Question -NIB has been recognized as one of the key Institutions in SME Financing, can

you please tell me the types of SME financing schemes you have in your institution and

how they are accessible to SMEs i.e. key requirements for granting credits to SMEs in

your bank.

5. Question -Are you able to achieve SME financing targets annually? On the average what

is the percentage of credit that is granted to SMEs out of the total target/budget yearly

basis. If No, why are you unable to grant all the credit as projected?

6. Question -Narrate the processes and procedures in managing some portfolio in your

organizations.

7. Question -Can you describe the performance of SME loans in your institution and the

industry at large?

8. Question -From your years of experience in SME financing, what are the

difficulties/challenges SMEs encounter in attracting finance from your institution? What

are the causes of these difficulties?

9. Question -Would you say inadequate financing and lack of managerial skills constitute a

major challenge in the performance of SMEs in Madina, the, Financial Institution’s view”

10. Question -How often do these difficulties /challenges lead to SMEs in the Municipality

loan applications being declined by your institution?


11. Question -Do you foresee increasing trend in SME financing in the future in spite of

these difficulties they face or otherwise?

12. Question -What do you think should be done to salvage or improve the situation in your

view?

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