The Impact Of Bank Loans On Small And Medium Scale Enterprises In Nigeria

 – The Impact Of Bank Loans On Small And Medium Scale Enterprises In Nigeria –

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ABSTRACT

This project work was carried out primarily to assess the role of commercial banks in financing small scale industries with particular reference to UBA Plc Awka Branch. In this exercise two vital categories of functional areas were investigated.

The two groups under investigation were the staff and customers of UBA. They were considered to stand better chances of evaluating the Impact of Commercial Banks Loans in Financing Small Scale Industries. The instrument of data collection was the questionnaire approach.

The questionnaire items were distributed to the staff and customers whose opinions formed the basis of the analysis. The data and material collected were presented in tabular form and complemented by the chi-square method.

Based on the analysis from the information gathered, it was revealed that small scale industries have a positive impact on the economy of the Nation because it provided employment opportunities to the youths.

Based on the outcome of the projects on the basis of analysis, recommendations were offered on the best way the commercial banks could finance the small scale industries for the welfare of the people.

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TABLE OF CONTENTS

TITLE PAGE

CERTIFICATION

APPROVAL PAGE

DEDICATION

ACKNOWLEDGEMENT

ABSTRACT

TABLE OF CONTENTS

CHAPTER ONE

1.0    INTRODUCTION

1.1    Background of the Study

1.2    Statement of the Problem

1.3    Objectives of the Study

1.4    Significance of the Study

1.5    Limitations of the Study

1.6    Research Questions

1.7    Research Hypotheses

1.8    Definition of Terms

CHAPTER TWO

2.0    REVIEW OF RELATED LITERATURE

2.1    Historical Small Scale Business

2.2    Importance of Small Scale

2.3    Features/Characteristic of Small Scale Business Enterprises

2.4    The Major Forms of Financial Assistance

2.5    Problems of Small Scale Industries in Nigeria

2.6  The Roles of Banks in Financing Small Scale Enterprise

2.7    Advantages of Banks as Sources of Finance to Industrialist

2.8    Disadvantages of Banks as Source of Finance to Small Scale Enterprise

CHAPTER THREE

3.0 RESEARCH DESIGN AND METHODOLOGY

3.1    Introduction

3.2    Research Design

3.3   Area of the Study

3.4    Population of the Study

3.4    Sources of Data Collection

3.5   Questionnaire Designs

3.6   Method of Data Analysis

­3.7   Statistical Technique

3.7.1 Decision Rule

3.7.2 Validity of the Test

CHAPTER FOUR

4.0 DATA PRESENTATION, ANALYSIS AND INTERPRETATION

4.1    Introduction

4.2   Analysis of Distributed Questionnaire

4.3   Test of Hypothesis

4.4    Summary of Data Presentation and Analysis

CHAPTER FIVE: SUMMARY OF FINDINGS, CONCLUSION AND RECOMMENDATIONS

5.1   Introduction

5.2    Summary of Findings

5.2.1 Findings Associated with the Financial Institution

5.2.2 Findings Associated with the Government

5.2.3 Findings Associated with the Small Scale Enterprises

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5.3   Conclusion

5.4   Recommendations

BIBLIOGRAPHY

INTRODUCTION

1.1 Background of the Study

In Nigeria, as in many other developing countries there is dearth of financial institutions which cater for long and medium term credit needs of business operations. In exception to this, they suffer a great deal for want of capital for development and expansion.

By definition, commercial bank is an institution where money and other valuable items are kept for security purposes and at the same time transact business such as giving of loans and advances.

Among the most important commercial banks in Nigeria are: The First Bank Plc formerly known as the bank of West Africa which has the largest assets and located its head office in Nigeria at 37 Marina, Lagos.

The Union Bank formerly-known as Barclays Bank which was established in the year 1917 in Lagos as the first branch and is the first bank to hit one billion naira customers’ deposit.

The commercial banks trend made through British and French Banks now called the United Bank for Africa Limited which was established in 1949 making it the third expatriate bank of dominate the early Nigerian Commercial Banking.

The issue however remains that her pace, towards economic development has not kept record with the naturally endowed nations. While some sectors of the economy have recorded some significant growth, others continued to lag behind inspite of increased financial resource allocations.

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BIBLIOGRAPHY

Anyanwu, J.C. (1993). “Monetary Economics” Theory, policy and institutions. Onitsha, Hybrid Publisher Ltd.

Botton, J.E. (1972). Report on the Committee on Inquiry on small firms.

Ekezie, E.S. (1997). The Element of Banking Money, Financial Institutions and Market. Onitsha, African Fep Publishers Ltd.

Ezeh, A.J. (1999). Fundamentals of Small Business Management. Enugu, Glamic Books.

Ile, N.M. (2001). Entrepreneurship Development; the Nigerian perspective. Enugu, Chiezugo ventures.

Maduegbuna, A.N. (2006). Research Methodology; Basic Issues ad Techniques. Awka, ScoA Heritage Systems.

Megginson, Byrd, Scott (1997). Small Business Management, An

Entrepreneur’s Guild to Success; Rob Zwettler, The McGraw-Hill Companies, Inc.

Nwaegerue, N.S. (2005). Financing small and Medium Scale Enterprises; The Challenging Role of Financial Institutions; An Article Published in Journals of Business Studies and Research, vol. 2. No. 1

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