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The general objective of this study was to find out the influence of owner/manager characteristics on SMEs’ access to bank loan. A sample of 87 small and medium manufacturing enterprises was drawn from Asmara city using proportionate systematic sampling. A reliable primary data was collected through semi structured and structured questionnaires which were personally administered by the researcher. Descriptive and econometric statistical analysis techniques were used to analyze the data. The study, using logistic regression, found out that age of the owner/manager has significant effect on SMMEs’ access to bank loan. On the other hand, educational level of the owner/manager does not have significant effect on access to bank loan. Both the variables have positive effect on SMMEs’ access to bank loan.

The Effect of Age and Educational Level of Owner/Managers on SMMEs’ Access to Bank Loan in Eritrea: Evidence from Asmara City