ABSTRACT
This research work seeks on finding the Relationship of banks merger and acquisition and small business. The current reforms in the Nigeria banking system may have come as a surprise to some people. However, to those who have been monitoring the health of the banks, the reforms could not have come as a surprise. The incidence of distressed and technically insolvency of the banking industry has been with us for quite some times. The unprecedented liquidation of twenty-six (26) Nigerian banks in 1998, in addition to the earlier closure of five (5) banks in 1994/95, did not put an end to the distress syndrome. (Iganiga, 2000). Indeed, we admit that to have cleansed the banking system of distressed and insolvent institutions in 1998, more institution ought to have closed. The effects of mergers and acquisitions on bank lending behavior is quite complex, with one static effect and at least three types of dynamic effects. Entangling these four effects allows us to identify more precisely than the extant literature how mergers and acquisitions affect small business lending. This study attempts to fulfill the great need for evidence on the static and dynamic effect of bank Merger and Acquisition on small business lending in Nigeria.
TABLE OF CONTENTS
Title pagei
Certificationiii
Dedicationiv
Acknowledgementv
Table of contentvi
Abstractxi
CHAPTER ONE
INTRODUCTION
1.0 Introduction
11. Background of the study
1.2Statement of problem
1.3OBJECTIVE CF STUDY
1.4Research Questions
1.5 Research Hypothesis
1.6Scope Of The Study
1.7Significance of the study
1.8Organization of the study
CHAPTER TWO
REVIEW OF RELATED LITERATURE
2.1The concept of merger and acquisition
2.2 Theoretical framework
2.3 History of mergers and acquisition in Nigeria
2.4 Reasons for mergers and acquisition
2.5 The role of banking system in the economy
2.6Rationale for banking system reform in Nigeria
2.7Benefits of mergers and acquisition of the Nigerian banking system
2.8Challenges of bank mergers and acquisitions
2.9Financial situations of banks and small and medium businesses in Nigeria
2.10Banks’ lending policies towards small and medium enterprises
2.11Critical factors influencing banks lending to small and medium enterprises
2.12The effect of bank merger and acquisition on small business lending
CHAPTER THREE
RESEARCH METHODOLOGY
3.1 Research design
3.2 Method of data collection and data sources
3.3. Limitations of the study
3.4 Model specification
3.5Estimation technique and validation
CHAPTER FOUR
DATA PRESENTATION, ANALYSIS AND DISCUSSION OF FINDINGS
4.1 DATA PRESENTATION
4.2 Analysis of data
4.3 Test of hypotheses
4.3 Discussion of findings
CHAPTER FIVE
5.0 SUMMARY OF FINDING, CONCLUSION AND RECOMMENDATION,
5.1Summary of findings
5.2 Conclusion
5.3 Recommendation
REFERENCES