Commercial Bank Role in Financing Small Scale Industries in Nigeria

Commercial Bank – Role in Financing Small Scale Industries in Nigeria

Project / Seminar Material
Reference ID: PS-12326-TM

DEDICATION

This research material titled “Commercial Bank – Role in Financing Small Scale Industries in Nigeria” is dedicated to God for his enabling grace, and to all computer enthusiasts who contributed to make life a pleasant experience during my research documentation.

ACKNOWLEDGEMENT

I extend my sincere gratitude to all those who contributed to the completion of this project. Special thanks to my Supervisor (Name of your Supervisor), the Head of Department (Name of your HOD), the Lecturers in the department of Banking and Finance (BF), Book Authors and Profound Scholars of existing or related project material on “Commercial Bank – Role in Financing Small Scale Industries in Nigeria” for their invaluable guidance, support, and expertise throughout the journey.

I am also grateful to your study area (mention any funding organizations, if applicable) for their financial assistance. This research would not have been possible without the encouragement and assistance of some stakeholders (mention any mentors, teachers, or colleagues). Additionally, I would like to acknowledge the understanding and patience of my family and friends during this endeavor. Your unwavering support has been a constant source of motivation. Thank you all for being part of this meaningful endeavor.

TABLE OF CONTENTS

PRELIMINARY PAGES

CHAPTER ONE

INTRODUCTION

    CHAPTER TWO

    LITERATURE REVIEW

    • 2.1 Introduction
    • 2.2 Conceptual Review
    • 2.3 Theoretical Framework
    • ⋮
    • 2.4 Empirical Studies

    CHAPTER THREE

    RESEARCH METHODOLOGY

    • 3.1 Introduction
    • 3.2 Research Design
    • 3.3 Population of Study
    • 3.4 Sampling and Sampling Technique
    • 3.5 Validation of Research Instrument
    • 3.6 Method of Data Collection
    • 3.7 Method of Data Analysis
    • 3.8 Questionnaire Administration
    • 3.9 Ethical Consideration
    • 3.10 Statistical Analysis

    CHAPTER FOUR

    DATA ANALYSIS, RESULT AND DISCUSSION

    • 4.1 Introduction
    • 4.2 Presentation and Analysis of Data
    • 4.3 Re-statement of Research Questions
    • 4.4 Test of Hypotheses
    • 4.5 Discussion of Findings

    CHAPTER FIVE

    SUMMARY, CONCLUSION AND RECOMMENDATION

    • 5.1 Introduction
    • 5.2 Summary of Findings
    • 5.3 Conclusion
    • 5.4 Recommendation
    • 5.5 Suggestion for Further Study

    REFERENCES

    APPENDIX A - “QUESTIONNAIRE”

    ABSTRACT

    This study is aimed at finding out the role commercial banks play over the small scale industries and the problem the small scale industries encounter.

    This study, has been divided into five (s) chapters thus:.

    Chapter one is the introduction, sitting out the background of the study. The researcher highlighted that the performance of small scale industries are financed by commercial banks and other financial institutions. This study is of paramount importance because it help s to discover the problems facing the small scale industries in the course of financing themselves.

    Chapter two is a review of related literatures, it started by the definition of the small scale industries, the definition of the small scale industries, the financial institution involved, assistance provided by commercial banks to small scale industries, government policies for promoting small and medium scale industries etc.

    Chapter three decals with the research design and methodology employed in the study. Here data were collected from secondary sources.

    Chapter four, the research state the finding or result collected in the course of this research work.

    Finally, Chapter five state the conclusion and recommendation of this study.

    Commercial Bank – Role in Financing Small Scale Industries in Nigeria

    CHAPTER ONE

    Introduction

    1.1 Background Of The Study

    The concept of dependent has occupied a central place in the economic development over the year, basically as a manifestation of the various attempts by the developing world to chart new economic strategies which would reliever them of economic dependence on their former colonial master in Europe. Today the concept of dependent continues to be misunderstood in its fundamental ramifications and has remained difficult in large sections of the developing world. In Nigeria, neither the mixed economy approach, appeal to have responds to the dictates of economies dependent.

    However, in pursuit of dependent in the developing world like Nigeria, the central government enacted a decree called “enterprises promotion decree”. When there was a need for small scale enterprises, owned and managed by Nigeria to be promoted. The importance of small enterprises in the promotion of economic development has always been at the forefront of the development strategies. Many developing countries have failed to adopt this strategy owing to their belief that it is a relatively slow process of industrialization. But in the recent times due to the scarcity of foreign exchange, attention has began to be focused once again on development of ingenious. Without the development of small scale industries in Nigeria, the Nations request fort industrialization will certainly remain forever at a state.

    Furthermore, several financial institutions are invested in entrepreneurship development in Nigeria in ways. Some of them are set up by the gove3rnment for specific functions, there main functions are to provide findings, relief from financial consequences of uncertainty, and advisory services for business enterprises, public and private. The government plays the role of financial companies.

    Some of these institution include: Nigerian Bank for commerce and industry (NBCI) Nigerian Agricultural and development Bank (NDB), peoples bank of Nigerian (PBN), the commercial sourcing for fund and enough funds cannot be mobilized from friend and relations, the next things that comes to mind is to try the banks. The commercial banks for instance, is the center of the leading market and makes the greatest number and varity of loans. The commercial banks are very conservative in lending. The commercial banks look at many things apart from the ability of entrepreneur to provide the needed collateral and may be interested by looking at the feasibility report, the experience of the entrepreneur, his personal credit records, profit potentials.

    …

    CHAPTER TWO

    2.0 Literature Review

    2.1 Introduction

    This chapter focuses on the review of related literature. A literature review includes the current knowledge as well as theoretical and methodological contributions to a particular topic. It documents the state of the art with respect to the topic you are writing. It surveys the literature in the topic selected. In this research work the literature review includes the …

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