DEBRE MARKOS UNIVERSITY

Post Graduate Program

College of Business & Economics
Masters in Accounting & Finance
Questionnaire to be filled by BOA Service Users

Dear Respondent

This research questionnaire is formulated for partial fulfillment of Master’s Program in

Accounting & Finance. The research is regarding the Determinants of Small & medium
enterprise growth; the case of bank of Debrewerk town administration. I would like to kindly
request that you fill in my questionnaire. The information you provide will help me to better
understand the determinants of SME growth. Because you are the one who can give me a correct
picture of how you witness SME growth in your area, you are kindly requested to respond to the
questions frankly and honestly.

Your time and assistance would be greatly appreciated. Please note that the information
contained in this questionnaire will only be used for research purposes and your anonymity is
guaranteed.

Thank you very much for your time and cooperation. I greatly appreciate your help in furthering
this research endeavor.

Thank you in advance for your cooperation!

Instruction:
 No need of writing your Name
 For close ended questions put ’’√ ‘’ mark or circle on the box corresponding for your
choice.
Part 1. General Characteristics of the Respondents

Section I: Background
1. 1- What sex are you?
2. 1 Male 2 Female
3. 2 - How old are you?
a) <31 1
b) 31-40 2
c) 41-50 3
d) Above 50 4
4. What is your level of education?
Diploma Bachelor degree
Masters or above Others
Please specify………………………………………
5. What is your current position in the company
Manager Owner
Sales person others
Please specify……………………………………
6. How long have you been working in this position
Less than one year 1-5 years
5-10years More than 10 years
7. What is your main business activity?
Manufacturing Trade Agriculture
Services Construction Others
Please specify………………….…………..…..
8. Your business is:
Sole proprietorship Partnership
Private Limited company others
Please specify…………….……………....
9. How long has your organization been in business?
Less than one year 1-5 years
5-10years More than 10 years
10. How many employees (both permanent and temporary) work for your enterprise in 2021/22
fiscal year?
1-10 11-20 21-50
51-100 more than100 employees
11. Over the last 2 years how was the level of market competition in the area that your business
is engaged in
No competition Moderate competition
Strong competition severe competition
12. Please indicate roughly the average sales of your business in 2021/22 fiscal year.
 Birr 10,000 or less Birr 10,001 – Birr 50,000
Birr 50,001 – Birr 100,000 Birr 100,001 – Birr 1,000,000
Birr 1,000,001 or more

Part 3. Rating Scale

Instructions: Please tick the number that you feel most appropriate, using the scale from 1 to 5
(Where; 1 = strongly disagree, 2 = disagree, 3 = neither agree nor disagree, 4 = agree and 5 =
strongly agree).
Items/Statements

1. Loan repayment period 1 2 3 4 5

(Reference: Wang et al. (2001), Llosa (1996)

1. The loan repayment period scheduled by the financial

institutions is appropriate for us.

2. The loan team of the financial institutions is willing to

understand our problems.

3. The financial institution is willing to adopt a flexible loan

repayment period.

4 The loan repayment period doesn’t pose too much stress on

our mind and this by itself ensures our growth.

2. Collateral requirement
Reference: Suhartanto (2011:1); Wilkins et al. (2010:1)

1 The financial institutions have flexible policy on collateral

requirements.

2 Our ability to fulfil collateral requirements is in good

condition.

3 The financial institutions requirement on collateral and our

ability to meet the standards of collateral match.

4 The financial institution managers do not believe in only

fixed assets as collateral

3. External finance
Reference: Suhartanto (2011:1); Kayaman and Arasli
(2007:92)
1 External financing options are available in our surrounding.

2 External financing alternatives have a wide range of

financing mechanisms

3 External financing alternatives provide all what is needed by

our business

4 External finance is available anytime without bureaucratic

bottlenecks.

4. Follow up & supervision from Financial institutions

Reference: Back (2005:462); Han and Back (2008:467)

1 The follow up and supervision of FIs was so far effective in

ensuring our growth

2 The follow up and supervision of FIs helped us resolve

conflicts that would have erupted between us.

3 The follow up and supervision of FIs was important to solve

our problems.

4 The follow up and supervision of FIs was done with passion

for our business.

5. Commitment
Reference: Moolla and Bisschoff model (Moolla, 2010:197)

1 I take a large commitment of time to focus on growing

and maintaining the business.
2 I perform hard work which includes doing what needs
to be done.
3 I commit from the beginning to having an open mind
and welcoming new ideas and technology.
4 I stick to my values and commit to quality, excellence,
continuous improvement, trust in myself and above all
integrity.
6. Persistence
Reference: Moolla and Bisschoff model (Moolla, 2010:197)

1 I follow purpose and vision as I work in the business

2 I use innovative marketing strategies to catch peoples’

attention
3 I continue positive maintenance of entrepreneurial
motivation and constantly-renewed active engagement
 in the business venture despite counter forces or
enticing alternatives
4 I remain steadfast focused and solution-oriented in
spite of what could become roadblocks
7. Training & and Assistance from financial institutions
Reference: Moolla and Bisschoff model (Moolla, 2010:197)

1 The financial institutions provide us need based

training and assistance.

2 The training & assistance that the financial institutions

provide aligns with our business values.

3 The financial institutions check the impact of the

training and assistance that they provide for us.

4 The training and assistance provided to us by financial

institutions is immediately relevant for us.