Abstract:
The aim of the paper was to establish firm characteristics on financial
inclusions; evidence from women owned enterprises in Kenya. This study
employed positivism approach while adopting an explanatory survey research.
The target population of study comprised 8000 women owned SMEs in the
North Rift Region Economic Bloc Counties. Cluster sampling was employed
to group SMEs in seven Counties, while simple random was used to select a
sample size of 723. Using multiple regression model the findings revealed a
negative and significant effect of firm age on financial inclusion and firm size
has a positive and significant effect on financial inclusion. These results are
useful in informing policies around educating women SMEs. Government of
Kenya has invested enormous resources into SMEs growth. Therefore, these
results will be used to package the literacy education geared on factors that
contribute highest to financial inclusion. From the findings of the study, older
SMEs are encouraged to keep up to date of the trends in business