The Role of Commercial Banks in Financial Small Scale Business Enterprises in Nigeria Economy

The Role of Commercial Banks in Financial Small Scale Business Enterprises in Nigeria Economy

Project / Seminar Material
Reference ID: PS-12245-TM

DEDICATION

This research material titled “The Role of Commercial Banks in Financial Small Scale Business Enterprises in Nigeria Economy” 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 “The Role of Commercial Banks in Financial Small Scale Business Enterprises in Nigeria Economy” 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 research study is focused on the role of commercial banks in financing small − scale business enterprises in Nigeria economy. Some problems which encountered by small − scale enterprises was identify which include difficulties in obtaining fund from commercial banks and also to determine the extents to which also commercial banks have help in financing small − scale enterprise. Thus it also specified the objectives for the study, the significance, and the limitation.

    In view of this, an in − depth literature review on textbooks, journals, useful writer-ups was carried out. This was done not only to get a wider view of the problem under but also get a conceptional understanding of the study.

    Further more, data were sourced to analyze the data collected while the sample and sampling method was formulated.

    The following conclusion was made that our banks should adopt a more development approach to the financing of the small − scale industries. After that my recommendations were. Technical and managerial assistance, rural banking, saving scheme insurance scheme, should be provided to small-scale business enterprises in Nigeria economy.

    The Role of Commercial Banks in Financial Small Scale Business Enterprises in Nigeria Economy

    CHAPTER ONE

    Introduction

    1.1 Background Of The Study.

    In the role of commercial banks in financing small − scale enterprises in Nigeria economy, there has not been a lot of work but the available few have given an in − depth up to date study of its operation.

    In Nigeria economy, attention has been drawn to the fact that small − scale enterprises have received very little attention where as they provide employment for approximately triple the number engaged in large scale enterprises as well as playing their roles of crucial importance to our developing economy. This is why it is important to reconsider the problem hindering the growing of small-scale business enterprises in Nigeria economy. Numerous opinions and comment ion on the role bank should play in financing and advising the small − scale enterprises since the federal government shift its policy with greater emphasis towards small- scale business in achievement of self- reliance.

    Unfortunately, some of the opinion have tended to observe the long ending relationship which the bank has enjoying with the small scale business community and some misconception have arise, perhaps, here is need to clarity some of the misconception. In Nigeria, some small − scale business enterprises constitute over 70 percent of all registered companies they are considered to have specified importance of the economic development of the country for a number of reasons. This enterprise provides the opportunity for employment on large scale and therefore makes the possibility of equal table distribution of national income more realistic. The relatively low cost this in a labour abundance economy like Nigeria and in the present economic down turn, they are even more relevant in the mobilization of capital and human resource that would otherwise be left idle.

    1.2 Statement Of Problem

    Inspire of the fact that various forms of assistance have been designed by the D.B.N. to promote the development of small − scale enterprises, there are indication that small- scale enterprise, are still of discriminated against by financial institution, because of high risk associated in financing them.

    They preferred financing large scale financing are very risky than small scale financing. Though the central bank has made it compulsory for bank to invest 10 percent of its profit after tax to small − scale enterprises, there are complains that the interest rate charge on the loan is high. Many small-scale investors who want to get money from commercial bank unable and difficult to get, it is also to determine the extent to which commercial banks have helped in financing small − scale enterprises. It will examine how commercial banks in Nigeria assist the government to promote the small − scale enterprises as a sector of the economy.

    To identify the problems encountered by the small − scale enterprise in obtaining funds from the commercial banks.

    …

    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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