This study employed a cross sectional survey research design . The target population comprised of all the 777 SMEs in Kisumu Municipality . The sample consisted of 260 SMEs selected from all clusters of Kisumu municipality. This study employed proportionate stratified sampling, simple random and purposive sampling techniques . Purposive sampling technique was used to select the managers of SMEs. The data was collected using semi-structured questionnaires of mostly Likert Scale type, and interviews. Interview, using focus group discussion (FGD) technique. Reliability was determined using test-re-test method. Quantitative data was analyzed using percentages and multiple regression techniques. Quantitative data was presented in form of tables such as frequency and percentage tables. Pictorial such as pie-charts and histogram was also used. Qualitative data was presented in prose form, including verbatim quotation where necessary.