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FINANCING SMALL AND MEDIUM SCALE ENTERPRISES (SMES) BY COMMERCIAL BANKS IN NIGERIA. A CASE STUDY OF UNION BANK OF NIGERIA.
ABSTRACT
The critical causes on why financing small and medium scale industries
by commercial banks in Nigeria have not been very effective were evaluated. Not
only are the SMEs starved with financial back-up, they are also faced with other
external problems such as high interest rates, inconsistency in government
industrial policies, lack of infrastructural facilities and internally; poor
management practices, high rate of business failure, poor accounting standards,
shortage of skilled manpower and financial indiscipline.
In view of these numerous problems, this research work was conducted so
as to come out with solutions as this will pave way for banks to have more
confidence in financing these SMEs efficiently and effectively as against hitherto ,
their stringent lending policies and the risk averse behavior of funding. This has
become necessary as it is a well known fact that the survival, growth and
development of SMEs of any country depend largely on funding with other
factors put in place.
In the light of the findings in this research work, some recommendations
and suggestions were made to the government, commercial banks and the small
and medium scale entrepreneurs themselves which if implemented will not only
sustain the survival, growth and development of this sector, it will also provide
employment opportunities and improve the economic situation of Nigeria.
TABLE OF CONTENT
Title page- – – – – – – – – i
Approval page – – – – – – – -ii
Dedication – – – – – – – – -iii
Acknowledgement – – – – – – – -iv
Abstract – – – – – – – – – -v
Table of content – – – – – – – -vi
CHAPTER ONE
INTRODUCTION – – – – – – – -1
1.0 Background of the study – – – – -1
1.1 Statement of the problem – – – – -5
1.2 Purpose of the study – – – – – -6
1.3 Significance of the study – – – – -8
1.4 Research questions – – – – – -9
1.5 Scope of the study – – – – – – -10
CHAPTER TWO
LITERATURE REVIEW – – – – – – -11
CHAPTER THREE
Research methodology – – – – – – -39
Design of study – – – – – – – -40
CHAPTER FOUR
Presentation, analysis and interpretation of data – -48
CHAPTER FIVE
Summary of findings – – – – – – -60
Conclusion – – – – – – – – -61
Recommendations – – – – – – – -62
Suggestions for further research – – – – -64
References – – – – – – – – -65
Appendix I – – – – — – – – -68
Questionnaire. – – – – – – – -69
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