THE ROLE OF COMMERCIAL BANKS IN FINANCING SMALL SCALE INDUSTRIES IN NIGERIA (A CASE STUDY OF UNION BANK OF NIGERIA PLC)

ABSTRACT

The topic of dissertation is The Role Of Commercial Banks In Financial Small Scale Industries In Nigeria. A case study of Union Bank of Nigeria PLC. The major objective of the study is to ascertain the extent to which Union Bank of Nigeria PLC has helped to financial small scale industries in Nigeria. The instrument of data collection is questionnaires and research questions which formed the source of primary data, while materials from various published articles, textbooks, Journals and Newspapers formed the source of secondary data. The method of analysis is the use of tables, percentages and Chi-Square . The major finding of the research is that Union Bank of Nigeria PLC has contributed their quater towards financing small scale industries in the period under review.

The recommendation based on the finding is that in order to reduce the risk in small scale industry lending, the Central Bank of Nigeria (CBN) and the Government could make more resources available for lending purpose. The study concluded that if the desired objective of using small scale industries as catalysts of development is to be achieved then, the role of Commercial Banks should be mutually supportive.

TABLE OF CONTENTS

Inside Cover page i

Certification iii

Declaration iv

Dedication v

Acknowledgement vi

Abstract viii

Table of Content ix

CHAPTER ONE

1.0 INTRODUTION 1

1.1 Background to the problem 1

1.2 Problem statement 4

1.3 Objectives of the study 5

1.4 Research questions 5

1.5 Research hypothesis 6

1.6 Scope of study 6

1.7 Limitations of the study 6

1.8 Significance of the Study 7

1.9 Definition of Terms 8

Reference 10

CHAPTER TWO

2.0 LITERATURE REVIEW 11

2.1 Introduction 11

2.2 Meaning of small scale industry12

2.3 Government policy 14

2.4 Support systems 16

2.5 Financing 16

2.6 Monetary policy development in favour of small scale industries 20

2.7 Benefits of small scale industry 21

2.8 Problems facing small scale industry 21

2.8.1 Financing the project 22

2.8.2 Technical knows how 23

2.8.3 Personnel, matters and general administration 24

2.9 Improving funding small scale industries 25

References 27

CHAPTER THREE

3.0 RESEARCH METHODOLGY

3.1 Introduction of the study 29

3.2 Research design 29

3.3 Area of study 29

3.4 Population of study 29

3.5 Sample size determination 29

3.6 Instrument for data collection 31

3.7 Validation of the instrument 31

3.8 Reliability of the instrument 31

3.9 Method of data collection 32

3.10 Data analytical techniques 32

References 35

CHAPTER FOUR

4.0 PRESENTATION AND ANALYSIS OF DATA 36

4.1 Presentation of data 36

4.2 Hypothesis testing 36

CHAPTER FIVE

5.0 CONCLUSIONS AND RECOMMENDATIONS 56

5.1 Findings 56

5.2 Conclusion 57

5.3 Recommendation 57

Bibliography 60

Questionnaire 62

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APA

Cletus, A. & OCHECHUKWU, O (2018). THE ROLE OF COMMERCIAL BANKS IN FINANCING SMALL SCALE INDUSTRIES IN NIGERIA (A CASE STUDY OF UNION BANK OF NIGERIA PLC). Afribary. Retrieved from https://afribary.com/works/the-role-of-commercial-banks-in-financing-small-scale-industries-in-nigeria-a-case-study-of-union-bank-of-nigeria-plc-5490

MLA 8th

Cletus, Akinwole, and OGWU OCHECHUKWU "THE ROLE OF COMMERCIAL BANKS IN FINANCING SMALL SCALE INDUSTRIES IN NIGERIA (A CASE STUDY OF UNION BANK OF NIGERIA PLC)" Afribary. Afribary, 16 Mar. 2018, https://afribary.com/works/the-role-of-commercial-banks-in-financing-small-scale-industries-in-nigeria-a-case-study-of-union-bank-of-nigeria-plc-5490. Accessed 06 Dec. 2024.

MLA7

Cletus, Akinwole, and OGWU OCHECHUKWU . "THE ROLE OF COMMERCIAL BANKS IN FINANCING SMALL SCALE INDUSTRIES IN NIGERIA (A CASE STUDY OF UNION BANK OF NIGERIA PLC)". Afribary, Afribary, 16 Mar. 2018. Web. 06 Dec. 2024. < https://afribary.com/works/the-role-of-commercial-banks-in-financing-small-scale-industries-in-nigeria-a-case-study-of-union-bank-of-nigeria-plc-5490 >.

Chicago

Cletus, Akinwole and OCHECHUKWU, OGWU . "THE ROLE OF COMMERCIAL BANKS IN FINANCING SMALL SCALE INDUSTRIES IN NIGERIA (A CASE STUDY OF UNION BANK OF NIGERIA PLC)" Afribary (2018). Accessed December 06, 2024. https://afribary.com/works/the-role-of-commercial-banks-in-financing-small-scale-industries-in-nigeria-a-case-study-of-union-bank-of-nigeria-plc-5490

THE ROLE OF COMMERCIAL BANKS IN FINANCING SMALL SCALE INDUSTRIES IN NIGERIA (A CASE STUDY OF UNION BANK OF NIGERIA PLC)

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