Although commercial banks’ engagement to micro, small, and medium enterprises (MSMEs) is showing improvement, banks are still blamed for discriminating enterprises due to their size. The soundness of this blame should be investigated, and we have collected data from 411 owner-managers in Ethiopia and analyze it through a multi-group effect analysis of Structural Equation Modeling. The result revealed that size does not moderate the relationship between commercial bank financing and the performance of MSMEs. Commercial bank financial services have a significant effect on the performance of MSMEs that the provision of financial service should be invigorated. Moreover, the effect of bank finance on the performance of MSMEs does not vary on the basis of the size that owners should not desist requesting the service. Since MSMEs size does not play a moderating role, policymakers, commercial banks, and owner-managers should not formulate a size-specific policy and strategy as long as enterprises fall under the MSME category.

尽管商业银行对微型，小型和中型企业（MSMEs）的参与正在显示出改善，但由于其规模，银行仍被指责歧视企业。应该调查这种责备的合理性，我们已经从埃塞俄比亚的411位业主经理那里收集了数据，并通过结构方程模型的多组效应分析对其进行了分析。结果表明，规模并没有缓和商业银行融资与MSME绩效之间的关系。商业银行金融服务对中小微企业的业绩具有重大影响，应大力提供金融服务。此外，银行融资对中小微企业绩效的影响不会因业主不应该要求提供服务的规模而异。