THE IMPACT OF BANK LOANS ON SMALL AND MEDIUM SCALE ENTERPRISES IN NIGERIA (A CASE STUDY OF CUSTOMERS IN UBA PLC AWKA BRANCH)
ABSTRACT
This project work was carried out primarily to assess the role of commercial banks in financing small scale industries with particular reference to UBA Plc Awka Branch. In this exercise two vital categories of functional areas were investigated. The two groups under investigation were the staff and customers of UBA. They were considered to stand better chances of evaluating the Impact of Commercial Banks Loans in Financing Small Scale Industries. The instrument of data collection was questionnaire approach. The questionnaire items were distributed to the staff and customers whose opinions formed the basis of the analysis. The data and material collected were presented in tabular form and complemented by chi-square method. Based on the analysis from the information gathered, it was revealed that small scale industries have positive impact on the economy of the Nation because it provided employment opportunities to the youths. Based on the outcome of the projects on the basis of analysis, recommendations were offered on the best way the commercial banks could finance the small scale industries for the welfare of the people.Â
TABLE OF CONTENTS
TITLE PAGE
CERTIFICATION
APPROVAL PAGE
DEDICATION
ACKNOWLEDGEMENT
ABSTRACT
TABLE OF CONTENTS
CHAPTER ONE
1.0Â Â Â INTRODUCTION
1.1Â Â Â Background of the Study
1.2Â Â Â Statement of the Problem
1.3Â Â Â Objectives of the Study
1.4Â Â Â Significance of the Study
1.5Â Â Â Limitations of the Study
1.6Â Â Â Research Questions
1.7Â Â Â Research Hypotheses
1.8Â Â Â Definition of Terms
CHAPTER TWO
2.0Â Â Â REVIEW OF RELATED LITERATURE
2.1Â Â Â Historical Small Scale Business
2.2Â Â Â Importance of Small Scale
2.3Â Â Â Features/Characteristic of Small Scale Business Enterprises
2.4Â Â Â The Major Forms of Financial Assistance
2.5Â Â Â Problems of Small Scale Industries in Nigeria
2.6Â The Roles of Banks in Financing Small Scale Enterprise
2.7Â Â Â Advantages of Banks as Sources of Finance to Industrialist
2.8Â Â Â Disadvantages of Banks as Source of Finance to Small Scale Enterprise
CHAPTER THREE
3.0 RESEARCH DESIGN AND METHODOLOGY
3.1Â Â Â Introduction
3.2Â Â Â Research Design
3.3 Â Â Area of the Study
3.4Â Â Â Population of the Study
3.4Â Â Â Sources of Data Collection
3.5 Â Â Questionnaire Designs
3.6 Â Â Method of Data Analysis
3.7 Â Â Statistical Technique
3.7.1 Decision Rule
3.7.2 Validity of the Test
CHAPTER FOUR
4.0 DATA PRESENTATION, ANALYSIS AND INTERPRETATION
4.1Â Â Â Introduction
4.2 Â Â Analysis of Distributed Questionnaire
4.3 Â Â Test of Hypothesis
4.4Â Â Â Summary of Data Presentation and Analysis
CHAPTER FIVE: SUMMARY OFÂ FINDINGS, CONCLUSION AND
  RECOMMENDATIONS
5.1 Â Â Introduction
5.2Â Â Â Summary of Findings
5.2.1 Findings Associated with the Financial Institution
5.2.2 Findings Associated with the Government
5.2.3 Findings Associated with the Small Scale Enterprises
5.3 Â Â Conclusion
5.4 Â Â Recommendations
BIBLIOGRAPHY
APPENDIX A
APPENDIX B
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CHAPTER ONE
1.0Â Â INTRODUCTION
1.1Â Â Background of the Study
In Nigeria, as in many other developing countries there is dearth of financial institutions which cater for long and medium term credit needs of business operations. In exception to this, they suffer a great deal for want of capital for development and expansion.
