THE ROLE OF BANK IN SMALL AND MEDIUM BUSINESS ENTERPRISE IN NIGERIA
Table Of Contents
Chapter ONE
1.1 Introduction1.2 Background of the Study
1.3 Problem Statement
1.4 Objective of the Study
1.5 Limitation of Study
1.6 Scope of Study
1.7 Significance of Study
1.8 Structure of the Research
1.9 Definition of Terms
Chapter TWO
2.1 Overview of Small and Medium Business Enterprises2.2 Importance of Banks in SME Development
2.3 Historical Perspectives on SME Financing
2.4 The Role of Government Policies in SME Growth
2.5 Challenges Faced by SMEs in Nigeria
2.6 Impact of Technology on SMEs
2.7 Financial Inclusion and SMEs
2.8 International Best Practices in SME Support
2.9 Case Studies on Successful SME-Bank Partnerships
2.10 Future Trends in SME-Bank Relationships
Chapter THREE
3.1 Research Methodology Overview3.2 Research Design and Approach
3.3 Data Collection Methods
3.4 Sampling Techniques
3.5 Data Analysis Procedures
3.6 Ethical Considerations
3.7 Reliability and Validity
3.8 Limitations of Methodology
Chapter FOUR
4.1 Overview of Research Findings4.2 Analysis of SME-Bank Relationships
4.3 Impact of Banking Services on SME Growth
4.4 Factors Influencing SME-Bank Partnerships
4.5 Comparison with International Practices
4.6 Recommendations for Improving SME-Bank Collaboration
4.7 Implications for Policy and Practice
4.8 Areas for Future Research
Chapter FIVE
5.1 Summary of Findings5.2 Conclusions Drawn
5.3 Contribution to Knowledge
5.4 Practical Implications
5.5 Recommendations for Stakeholders
5.6 Suggestions for Further Studies
5.7 Reflection on the Research Process
5.8 Closing Remarks
Project Abstract
The research study examines the role of commercial bank in financing small scale enterprises in Uyo, Akwa Ibom State. The primary purpose of the study is to examine how SMEs can be developed through the intervention of the banking sector. Descriptive research design was adopted. The population of the study is the entire SMEs in Akwa Ibom state and United Bank for Africa (UBA). Questionnaires were used as an instrument of primary data collection. Purposive sampling technique was used to select the sample; correlation analysis was employed using chi-square. Findings revealed that there is a positive correlation between loans grants by banks and the growth and development of SMEs in Akwa Ibom State also, that SMEs cannot be concentrated in Akwa Ibom State if they are not effectively financed due to the relationship that exists between the banks and SMEs. It was recommended that guidelines/schemes by commercial banks to finance SMEs needs to be flexible to accommodate the small and medium scale entrepreneurs.
Project Overview
The post-independence Nigerian government adopted the entrepreneurship government which constrained it to assume the role of entrepreneur and the urge to offset the economic neglect of the colonial government and that resulted in engaging in ambitious industrialization programmes. When the Nigerian industrial Development Bank Limited (NIDB) was established in 1964 for the purpose of speeding up the industrialization process, its mandate was to promote industrial projects which were large enough to make applicable contribution to the national economy. However, the collapse of the oil boom in the early 1980’s exposed the inherent weaknesses of this importation of inputs resulted in large idle capacities, thereby creeping many gross domestic product (GDP) declined in the face of the strong national aspiration for the restructuring of the economy and reduction of the dependence on petroleum. Small and medium scale enterprises have since become the focus of national industrial policy. In pursuit of self-reliance in a developing country particularly in Nigeria, the central government enacted a decree called “Enterprises promotion Decree” when there was need for small scale enterprises in the promotion of economic development. This has since been at the fore front of development strategies.
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