The1 study aimed1 design was1 study. The1 the1 to investigate1 small and medium enterprises1 the1 unit1 26 branches1 the1 pecking order theory, and the1 applied in this1 of analysis1 sampling method was1 collected through the1 consistency, cleaned, and the1 responses1 from the1 content1 analysis. The1 factors1 study. This1 was1 the1 affecting availing trade1 by NCBA Bank Kenya PLC. This1 and SME1 in Nairobi. Therefore, the1 adopted to select1 questionnaire, the1 information was1 NCBA Bank Kenya PLC requires1 aspects1 include1 and interests1 given the1 of the1 loan. The1 data may in particular benefit1 finance1 asymmetric information issues1 that1 asymmetry affect1 the1 a sample1 total respondents1 size1 use1 of interview guide. The1 useful ones1 researcher analyzed1 displayed in prose1 SMEs1 to provide1 to access1 both their funded and non-funded facilities. The1 cost1 of credit1 fees1 relatively high transaction costs1 collateral requirements, cost1 the1 international finance1 financial institutions1 regular awareness1 products1 offering trade1 that1 and provide1 availing trade1 finance1 study was1 facilities1 financial intermediation theory. A descriptive1 study targeted NCBA Bank Kenya, being the1 senior managers1 to anchored by research case1 in relationship managers1 were1 252. A stratified of 73 respondents. Primary data was1 interviews1 coded and analyzed. After collecting data the1 qualiitative1 form. The1 contract1 cost, processing levies, insurance1 study also found that1 SMEs, which are1 often unattractive1 data using study found that1 some1 form of collateral in order study established further that1 fees, negotiation for (trade) improved quantity and quality of clients1 in relation to low financing volumes. The1 of credit, business1 finance1 facilities1 campaigns1 offered by the1 on record keeping, entrepreneur skills1 study recommends1 rejection rates1 NCBA Bank must1 more1 trade1 finance1 to sensitize1 triggered by their opacity and resulting study concluded risk and financial information to small and medium enterprises1 NCBA Bank Kenya PLC. The1 study recommends1 that1 the1 NCBA Bank’s1 should conduct1 management1 SMEs1 customers1 on various1 bank. Further, NCBA Bank and other evaluation. Moreover, the1 financing should offer basic financial training to SMEs1 and loan investment1 be1 appropriately incentivized to reduce1 to their clients.

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