Table 12 Summary of findings

1. Contribution of SMEs

✓ Promotes networking with important people

✓ Promotes close customer contact

✓ Promotes high-level interaction with potential customers.

2. Challenges of SMEs

✓ Stiff competition from both domestic and foreign firms

3. Relationship between financial inclusion and SME growth

✓ Significant and weak

4. Predictive role of financial inclusion on SME growth

✓ Very low, accounting for only 12.8% of the level of SME growth