ABSTRACT
The effect of commercial Banks credit in promoting small scale enterprises in Nigeria as a matter of fact ought to be mutually supportive since they both depend on each other for its continuous existence. Small-scale enterprises performance in terms of efficiency and productivity to some extent is a function of the nature of the type of commercial banks credit policies adopted by the government which are usually manifested in collective bargaining in the sense that government gives supportive measure to them (Small –scale operations) while the Small-scale enterprises help increasing employment opportunities and skill acquisition programme for other Small-scale enterprises for technical know how which equally brings about growth and development of a country. This project is divided into five (5) chapters. Chapter one, under which introduction falls and dwells on historical backgrounds of the institution, background of the study, statement of problem, purpose, research questions, scope, limitation and definition of terms. In chapter two, a rewiew of related literature is made showing similar studies with relevant findings, theoretical formulation of work. chapter three considers research methodology, which embodies method of data collection population, sample of study. Sample method and instrument for data collection, method of data collection, validity of instrument and validity and reliability of measuring institution. Chapter four, focus on presentation, analysis and interpretation of research questions from the data gathered the research is rounded up with chapter five which look at discussion of findings conclusion, recommendations and areas for future study.
CHAPTER ONE
1.0 INTRODUCTION
Commercial banks credit polices provides a wide range of financial services to individual, small or medium sized firms and corporate clients through its Network of brancher.
In all its branches bank offers a range of retail banking services, cheap exchange rate, they also offer trade financial services such as granting of loans facilities to small scale enterprises.
The commercial banks credit polices also help in evaluating new business opportunities and help in effective and efficient running and management of their resources to ensures growth and development in their profit.
1.1 BACKGROUND OF THE STUDY
In far back 1960 and prior to the role of small business over shadowed by corporation a phenomenon which reprimanded the close relationship between large sacle enterprises and the state in general.
The commercial banks few years ago saw interest in small scale enterprise and guided to put in place some specialized financing facilities of scheme primarily to boost their ego (small enterprises).
The focus on small scale enterprises is predicated on their impact and contribution to a diversified productive base as well as their effect in achieving macro objective such as employment generation and promoting of indigenous firms and the technology that will lead to good economic growth, development and stability.
1.2 STATEMENT OF PROBLEMS
The fundamental problems which constraints small scale industries to credit, is the law level credit rating form formal sources such as bank and the credit schemes managed under the low credit rating of small scale industries.
Other problem such as transportation inability to export their products, lack of funds to purchase plants and machinery for quick and standard production, expensive cost of raw materials and the issues of not keeping accurate records of their daily transactions.
This are points that will be examined such condition necessary for credits are extremely stringent and as the most scale entrepreneur cannot meet such requirement for loans to be granted to them.
