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QUESTION The small and medium enterprises is recognized as one of the major employmentscreating industry especially in developing countries, howeverlimited access to credit has been identified as one of the challengestowards SMEsinvestments, operations and development. As a Tanzanian youth with an ambition to becomea great entrepreneur, visit not less than 20 entrepreneurs who are engaged in small and medium enterprises and make a research onthe following key issues. a) Factors influencing credit access by SMEs in your region/society. b) Causes of bad loans among SMEs.