Banks Financing Of Small And Medium-Scale Enterprises
(A Case Study Of Imo State)
The main objective of this study is to show significant effect of cashflow on financing, examine the problems encountered by banks in financing small and medium scale Enterprises, ascertain the need for financing Nigerian manufacturing industries, improving funding to SMEs and to proffer solutions as to way forward. The study examined the current literature including the sources like journals, seminar, textbooks, bulletins and other sources. These were extensively used to draw incisive inferences for the conclusion of this study adopted. From the analysis and testing of the results of various primary data collected, the researcher concluded that cash flow was a major problems of banks in financing the SMEs.
Management contributed in financing the SMEs by banks from the above findings, the researcher proffered several recommendations including:
1. The private sector in Nigeria should be empowered.
2. The current and financing liberalization and international programme of government be vigorously pursued.
NOTE: Preview the following Table of Content before you download the full content. WYSIWYG – What You See Is What You Get.
Title Page
Approval Page
Dedication
Acknowledgement
Abstract
Table of Content
CHAPTER ONE
1.0 Introduction
1.1 General Overview of the Study
1.2 Statement of Problems
1.3 Objectives of the Study
1.4 Research Hypothesis
1.5 Scope of the Study
1.6 Significance of the Study
1.7 Limitations of the Study
1.8 Definition of Terms
CHAPTER TWO
1.0 Literature Review
2.1 Historical Background Of The Study
2.2 The Roles Of Banks In Financing Smes
2.2.1 Monetary Policy
2.2.2 Credit Policy
2.3 Cbn Financing Initiatives, Support And Schemes For Smes
2.3.1 Rural Banking Scheme
2.3.2 The National Economic Reconstruction Fund (Nerfund)
2.3.3 World Bank-Assisted Sme 11 Loan Project
2.3.4 People’s Bank Of Nigeria
2.3.5 Community Banks
2.3.6 The Nigeria Industrial Development Bank (Nidb)
2.3.7 The Nigeria Bank For Commerce And Industry (Nbci)
2.3.8 Nigeria Export Import Bank
2.3.9 Current Financing Initiatives
2.3.10 The Small And Medium Industries Equity Investment Scheme (Smieis)
2.3.11 The Bank Of Industry
2.3.12 Refinancing And Rediscounting Facility
2.4 Features Of Small And Medium Scale Enterprises (Smes)
2.4.1 Sole Proprietorship Or Partnership
2.4.2 Labour-Intensive Production
2.4.3 Centralized Management
2.4.4 Limited Access To Long-Term Capital
2.4.5 Pursuance Of Individualistic Goals
2.4.6 High Mortality Rate
2.5 Benefits Of Smes
2.6 The Core Challenges Of Banks In Financing Smes
2.6.1 Problems Of Finance
2.6.2 Shortage Of Efficient Enterprises
2.6.3 Inadequate Infrastructural Base
2.6.4 Unattractiveness Of Manufacturing And Indigenous Businessmen
2.6.5 Administrative Constraints And A Restrictive Industry Policy
2.6.6 Political Instability
2.6.7 Restricted Access To Institutional Credit
2.7 Potentials Of Smes
CHAPTER THREE
3.0 Research Methodology
3.1 Research Design
3.2 Area Of Study
3.3 Population Of The Study
3.4 Sample And Sampling Techniques
3.5 Sources Of Data
3.6 Data Analysis Technique
CHAPTER FOUR
2.0 Data Presentation, Analysis And Interpretation
4.1 Data Presentation
4.2 Data Analysis
4.3 Testing Of Hypothesis
CHAPTER FIVE
5.0 Summary, Conclusion And Recommendation
5.1 Summary
5.2 Conclusion
5.3 Recommendation
5.4 Suggestion For Further Work
Bibliography
Journals
Appendix
Questionnaire
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