The Role of Commercial Banks in Small Scale Business Financing

The Role of Commercial Banks in Small Scale Business Financing

Project / Seminar Material
Reference ID: PS-11486-TM

DEDICATION

This research material titled “The Role of Commercial Banks in Small Scale Business Financing” 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 Small Scale Business Financing” 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

    New products are developed in the Banking industry to meet the ever-growing needs of customers.

    In this research work, the research choose four of the products, measured the extend to which they have been able to satisfy the customers. The products selected are SMALL CARD, INTERNATIONAL MONEY TRANSFER, EDUCATIONAL SCHEME AND INTEGRATED BANKING NETWORK TRANSACTION.

    Data collected through questionnaire are presented in tabular form and percentages and pie chart are needed to analyze them. The research work revealed that the product has been able to satisfy the customer to a very high level. It was also discovered that customers patronize product which involves fund transfer and the most prominent reason for their patronize is based on the convenience. The introduction of the product has improved the profitability of the bank.

    The Role of Commercial Banks in Small Scale Business Financing

    CHAPTER ONE

    1.0 Introduction

    1.1 Background Of The Study

    According to Orjih, Commercial Banking in Nigeria dates back to the early colonial period. The decline in Banker system of trade and the rise in financial transaction of the colonial government required an institution in the form of commercial bank for safety and transmission of funds.

    It is privately owned and established for the purpose of making profit for their owners.

    According to the small scale Business act of 1953, a small-scale business firm is one which is independently owned and operated and not dominated in its field of operation. Small scale Business is owned, managed, controlled by one or two persons, in family influenced in decision making, has an un differentiated organizational structure, has relatively small share of the market and employers less than 50 people.

    The commercial Bank performs certain duties to small scale Business to enable them carry their Business effectively. Some of their duties are accepting deposit, granting loan and overdraft facilities, agency services, providing station reports standing order, call credit facilities investment advise and soon. Through these role performed by the commercial Bank, it enables small scale business to plan their business properly, keep adequate records, maintain proper accountability, pursue planed expansion, utilize professional assistance, improve your business knowledge through apprenticeship programmers and formal education and so on.

    1.2 Statement Of Problem And The Objective Of The Study

    The small scale Business owned individual are faced by some problems, which are under capitalization, poor business accountability, poor record keeping, lack of business knowledge and experience, poor wrong location.

    1.3 Significant Of The Study

    These research works is to be used for the purpose of learning this study is a dynamic one for the reason it cannot be said to have been completely treated in ones work like this. There are other scholars can use the work as a basic for further research work.

    1.4 Scope And Limitation Of The Study

    Although certain journals, textbook and magazine were used on the course of the study were in the role of commercial Bank in small scale Business due to the limitation the terms paper was carried out within the limited time available.

    1.5 Definition Of Terms

    Commercial Bank:

    It is a privately owned bank; it is established for the purpose of making profit for their owners and grant loan on short term basic to customer.

    Loan:

    It is classified as problem credit when they cannot be repaid to a financial facility granted by a bank, which intended to be applied for financing a specific purpose.

    Fund:

    Can be described as increase in the liability or equity account or a decrease in the asset account.

    Finance:

    Is the possession of funds when it is needed for investment.

    Credit:

    Is a special form of account payable and it is the most popular source of short-term credit in small and medium scale business in developed and developing economics. It involves the purchase of goods and services and suspending payment to an agreed future data.

    …

    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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