Abstract:
This study general objective was to examine the influence of business risks in accessing of credit by small
business producer group in Trans Nzoia County. The study specifically aimed at investigating the effect of business risk
identification on access of credit by small business groups in Trans Zoia County, to investigate if business risk influences
access of credit and to establish the effect of business risk monitoring on access of credit by small business groups in
Trans Zoia County, Kenya The research used cross sectional design while data were collected through in-depth personal
interviews administered through open-ended interview guides (Appendix I) to 54 chairpersons from 54 SBPGs and
content analysis used to analyze data collected from the interviews. The study found that credit access is largely
influenced by business risk and specifically the following risks; financial, strategy, operations, compliance and
reputations. The study concludes that it is of general realization that SBPGs face business risk challenges in accessing the
credit to develop their businesses. The research recommended the government, MFIs and social investors to come in to
support the small businesses through trainings and capacity building.
