The contribution of small and medium-sized enterprise (SME) sector in economic development, job creation and income generation has been recognized worldwide. This study aims to investigate the effect of demographic issues of credit accessibility within SMEs in South African construction industry. This paper utilises a combination of primary data emanating from structured survey questionnaires supplemented by secondary source of data from an extensive literature review, in order to present insightful commentary about credit accessibility within SMEs in South Africa. The structured survey questionnaire was administered to 600 construction small and medium organizations to elicit relevant data about their credit accessibility. The equation specified access to credit as dependent variable while firm and personnel characteristics as independent variable. The results indicate that firm characteristics influence access to credit accessibility. The study recommends that South Africa SME contractors and financial institution should maintain attractive firm attributes to stimulate lenders to extend credit accessibility to their investments.
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