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The Role of Commercial Banks in Financing SMEs in Nigeria

The Role of Commercial Banks in Financing SMEs in Nigeria

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DEDICATION

This research material, titled “The Role of Commercial Banks in Financing SMEs in Nigeria” is dedicated to God for His boundless grace and guidance. It is also a tribute to all computer enthusiasts whose contributions made my research journey smoother and enriched my documentation process, making the experience truly fulfilling.



ACKNOWLEDGEMENT

I am profoundly grateful to everyone who contributed to the successful completion of this project. I am especially grateful to my Supervisor (Name), the Head of Department (Name), and the Lecturers in the Department of Commerce for their invaluable guidance and support. I also acknowledge the contributions of authors and scholars whose works on The Role of Commercial Banks in Financing SMEs in Nigeria provided essential insights. Special thanks go to my study area (and any funding organizations, if applicable) for their financial assistance. I am equally thankful to stakeholders, including mentors, teachers, and colleagues, for their encouragement and support. Finally, I deeply appreciate my family and friends for their patience and unwavering support throughout this journey. Your contributions have been instrumental in making this research a reality.



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”


    The Role of Commercial Banks in Financing SMEs in Nigeria

    CHAPTER ONE

    1.0 Introduction

    1.1 Background Of The Study

    Small medium enterprises (SMEs) are considered the backbone of economic growth in all countries. They play an important role in Nigerians economic growth, as they constitute 97.2% of the companies in Nigeria .They also contribute to national development by positively influencing the distribution of income in both functional and nominal terms. In emphasizing the importance of SMEs, Rogers,2014, stated; they enhance capacity building as they serve as entrepreneurial training avenues ; they create more employment opportunities; per unit of investment because of their labour intensive operations; they achieve a much more relative high value added operations because they are propelled by basic economic activities that depend mostly on locally sourced raw materials; they provide feeder industry services as they serve as major suppliers of intermediate goods and components to large-scale industries as well as major agents for the distribution of final products of such industries; they provide opportunities for the development local skill and technology acquisition through adaptation. Despite the catalytic role of SMEs in the economic emancipation of countries, some of their major operational challenges in Nigeria include financial problems. About 80% of small and medium enterprises are stifled because of poor financing. The research intends to appraise the impact of commercial banks in the financing of SMEs in Nigeria, with a case study of first bank plc.

    1.2 Statement Of The Problem

    Investigation revealed that despite the significant role of SMES,they are largely affected by lack and insufficiency of funds to operate and expand their businesses. In view of this commercial banks in Nigeria play financial roles towardsmeeting the capital and operational funds required by SMES.

    1.3 Research Questions

    The study came up with research questions so as to be able to ascertain the above stated objectives. The specific research questions for the study are stated below as follows:

    • What is the nature and roles of SMEs?
    • What is the nature of the financing problem of SMEs?
    • What is the role of commercial banks in financing SMEs in Nigeria?
    • What constitute the financing options of first bank to SMEs in Nigeria?

    1.4 Objective Of The Study

    The aim of the study is to examine the Role of Commercial Banks in Financing SMEs in Nigeria. In achieving this aim, the following specific objectives were laid out as follows:

    1. To appraise the role of first bank in financing SMEs in Nigeria;
    2. To assess the nature and roles of SMEs in Nigeria; and
    3. To determine the role of commercial banks in financing SMEs in Nigeria.

    1.5 Significance Of The Study

    The study shall highlight the significance of SMEs to the economy The study shall analyze the roles of commercial banks in financing SMEs in Nigeria The study shall provide financing options offered by first bank plc to SMEs in Nigeria. The study shall serve as a veritable source of information to managers and consultants

    1.6 Statement Of Hypothesis

    In order to pursue the objective of this study, the following generalized statements have been designed to guide and aids in obtaining the result for the experiment to be conducted. For this work, the null hypothesis will be represented with H0 while the alternative hypothesis will be represented with hypothesis H1.

    Hypothesis One

    • H0: SMEs is not significant to the economy
    • H1: SMEs is significant to the economy

    Hypothesis Two

    • H0: The financial challenge in SMEs is high
    • H1: The financial challenge in SMEs is low

    Hypothesis Three

    • H0: The impact of first bank in financing SMEs is low
    • H1: The impact of first bank in financing SMEs is high

    1.7 Scope Of The Study

    The research shall appraise the role of commercial banks in financing SMEs in Nigeria. It shall elucidate the nature and significance of SMEs as well as analyze the financing challenges of SMEs in Nigeria.

    1.8 Definition Of Terms

    SME:

    In Nigeria, the small and medium industries Enterprises investment scheme (SMIEIS) defines SMEs as any enterprise with a maximum asset base of N200 million excluding land and working capital and with a number of staff employed not less than 10 or more than 300.

    The federal ministry of commerce defines SMEs as firms with a total investment (excluding cost of land but including capital) of up to N750,000, and paid employment of up to fifty person, employee relationship, labour intensive operation, simple technology,fusion of ownership and management and limited access to capital.

    …

    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 conceputal review, theoretical framework, the review of related literature …

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