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Bernard Owens Imarhiagbe BSc(Hons), MBA
Doctoral Topic:
SME Access to Finance
Area of Interest:
Entrepreneurship, SME access to finance, regulation, human capital, technology innovation and empirical investigation


Doctoral Researcher and Academic Tutor at Kingston University. Joined Kingston in 2012 from Loughborough University, UK. Joined Loughborough University in 2011.

Doctoral Thesis

Year of Study:
Doctoral Title:
SME Access to Finance: An Exploratory Study
Professor George Saridakis; Professor David Smallbone

Doctoral Details

SMEs face financial challenges in their start-up, innovation, growth and survival. The challenges vary from small to medium to large firms. There is need to determine the factors that could support SME access to finance. This research will improve our knowledge and understanding of the determinants of access to finance and how entrepreneurs or owner managers can increase their chance of success in access to finance for their business.

Education and Work History

Present PhD Business, Kingston University
Other Qualifications:
BSc (Hons) Computing Science, University of Greenwich 1998; Masters of Business Administration (MBA), University of Leicester 2009

Work Experience

2012 - Present - Academic Tutor, Kingston University:


  • Lecture preparation, delivery and assessment for business and IT courses.

 1998 - 2011 IT Consultant, Logica Plc (now CGI):


  • Software development, system analysis, business analysis, database design and development, quality assurance and testing, team leading and project management.

Publications and Academic Achievements

  • Imarhiagbe, B. O. and Saridakis, G. (2013) Does financial education pay? The Role of Financial Education on Micro Bank Finance (Conference Paper: ISBE Conference 2013).
  • Imarhiagbe, B. O. and Saridakis, G. (2013) Venture Capital and SME Access to Finance: A Review of Literature (Conference Paper: ISBE Conference 2013).
  • Imarhiagbe, B. O. (2011) Entrepreneurship: Examining what determines access to finance (Café Academique Mini-Conference Presentation: Organised by Loughborough University Graduate School November 2011).
  • Attended a workshop titled, ‘Charting an entrepreneurial career’ organised by Entrepreneurial Institution in collaboration with the ESRC and VITAE March 2013.


  • AFHEA (Associate Fellow Higher Education Academy)
  • MBCS (Member British Computer Society)
  • CITP (Chartered IT Professional)
  • IEng (Incorporated Engineer)

Grants, Prizes and Awards:

  • Kingston University PhD scholarship, 2012 – 2014.

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