ABSTRACT
An appraisal Of Commercial Banks in Financial Small Scale Industry in Nigeria. A case study of First bank of Nigeria plc. This study is to ascertain the extent to which commercial banks have helped to finance small scale industries in Sokoto. To achieve this study adopted a survey research which employed the use of simple random sampling technique was employed and SMEs where selected which constitute the sample size of the research. Structured questionnaire was designed to facilitate the collection of the relevant data which was used for the analysis. Descriptive statistics which involves simple percentage and chi-square. The findings indicate that the operations of commercial banks towards SMEs have grown phenomenally in the last 3 years, driven largely by expanding informal sector activities. The study also reveals the challenges faced by SMEs, which has been addressed in this research. Commercial banks traditional lend to medium and large enterprise, which are judged to be credit worthy. They avoid doing business with small and medium scale industry because the associated
TABLE OF CONTENTS
CHAPTER ONE
INTRODUTION ANALYSIS
1.1 BACKGROUND TO THE PROBLEM
1.2 STATEMENT OF THE PROBLEM
1.3 OBJECTIVES OF THE STUDY
1.4 RESEARCH HYPOTHESIS
1.5 SCOPE OF STUISY
1.6 LIMITATIONS OF THE STUDY
1.7 SIGNIFICANCE OF THE STUDY
1.8 DEFINITION OF STUDY
CHAPTER TWO
LITERATURE REVIEW
2.1 INTRODUCTION
2.2 MEANING OF SMALL SCALE INDUSTRY
2.3 GOVERNMENT POLICY ON SMALL SCALE FINANCING
2.4 MONETARY POLICY DEVELOPMENT IN FAVOUR OF SMALL SCALE INDUSTRIES
2.5 BENEFITS OF SMALL SCALE ENTERPRISES
2.6 PROBLEMS FACING SMALL SCALE INDUSTRY
2.6.1 TECHNICAL KNOWS HOW
2.6.2 PERSONNEL, MATTERS AND GENERAL ADMINISTRATION
2.7 IMPROVING FUNDING SMALL SCALE INDUSTRIES
CHAPTER THREE:
RESEARCH METHODOLGY
3.0 INTRODUCTION OF THE STUDY
3.1 RESEARCH DESIGN
3.2 AREA OF STUDY
3.3 POPULATION OF STUDY
3.4 SAMPLE SIZE DETERMINATION
3.5 INSTRUMENT FOR DATA COLLECTION
3.6 VALIDATION OF THE INSTRUMENT
3.7 RELIABILITY OF THE INSTRUMENT
3.8 METHOD OF DATA COLLECTION
3.9 DATA ANALYTICAL RECHNIQUES
CHAPTER FOUR:
PRESENTATION AND ANALYSIS OF DATA
4.1 PRESENTATION OF DATA
4.2 HYPOTHESIS TESTING
CHAPTER FIVE: FINDINGS, CONCLUSIONS AND RECOMMENDATIONS
5.1 FINDINGS
5.2 CONCLUSION
5.3 RECOMMENDATION
BIBLIOGRAPHY
APPENDICES
CHAPTER ONE
INTRODUCTION
1.1 BACKGROUND TO PROBLEM
Small and medium enterprises are believed to be the engine room for the development of any economy, because they form the bulk of business activities in a growing economy like that of Nigeria. This is manifested in the following ways, Employment generation, rural development, Economic growth and Industrialization, Better Utilization of Indigenous Resources. In the past, Nigeria’s over dependence on oil which really exposed the economy to unprecedented macro-economic instability resulting from the effects of external shocks to oil prices. The world economic recession and the sustained slump in oil prices posed a serious challenge on Nigeria economy which accounted for a reduction in our external Reserves and also diminished on the nation’s capacity to finance much of its development needs. It was also observed that the real GDP growth slows to 2.2% from 2009; population growth rate will climb to 2.5%. Such situation could plunge the country into economic embarrassment and posed a major challenge to the Government. However, with the trend of this event, the Government under vision 20:2020 program came up with undoubtedly consolidated empowerment program called the National Economic and Empowerment Development Strategy (NEEDS) and other reforms which imperatively leads to the recognition given to the development of SMEs The SME sector is positioned generate employment, create wealth, reduce the prevalence of poverty and sustain economic growth and development. Commercial banks provide broad range of financial services such as deposits, loans, payment services, money transfers, and insurance to poor and low-income households and, their micro-enterprises. M.S Robinson asserts that 'if it were widely available, institutional commercial banks could improve the economic activities and the quality of life of hundreds of millions of people in the developing world". However it is generally agreed that micro-credit given to those of the poor who do not have a capacity to repay can increase their poverty. Until the early 1960s, many economists viewed the continued existence of small-scale industries in less developed countries as justified by scarify of capital and administrative experience. It was often argued that with economic growth, the small, traditional type of enterprise would, in one sector after another, be superseded by modem forms of large-scale production. In order to ensure an orderly transition, small industries were seen to deserve support, but mainly in sectors where modem methods could not immediately applied. In the mid-160s a new approach to small to medium-scale enterprise (SME) development began to emerge due to several factors. First, there was growing concern over low employment elasticity of modem large-scale production. It was claimed...
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Item Type: Postgraduate Material | Attribute: 79 pages | Chapters: 1-5
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