The Impact Of Bank Loans On Small And Medium Scale Enteprises In Nigeria (A Case Study Of Customers In United Bank For Africa)

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THE IMPACT OF BANK LOANS ON SMALL AND MEDIUM SCALE ENTEPRISES IN NIGERIA (A CASE STUDY OF CUSTOMERS IN UNITED BANK FOR AFRICA)

Bank Loans

ABSTRACT

Small and Medium enterprises are the catalyst for economic growth in most economies thus, the fundamental objective of this study is to investigate the impact of loans on Small and Medium Enterprises (SMEs) in Nigeria. So that the ability of SMEs to develop positively and drive economic growth in the Nigeria will become real. Simple random sampling technique was employed in selecting the 100 SMEs that constituted the sample size of the research. Structured questionnaire was designed to facilitate the acquisition of relevant data which was used for analysis. Descriptive statistics which involves simple percentage graphical charts and illustrations was tactically applied in data presentations and analysis. The findings of the study reveal that significant number of the SMEs benefitted from the loans even though only few of them were capable enough to secure the required amount needed. Interestingly, majority of the SMEs acknowledge positive contributions of loans towards increasing their returns and sales thus placing them in the competitive arena. It is recommended that Banks should review their interest rate downwards and also share best practices with their SME customers especially on the efficient use of loans; this will boost their productivity and support SMEs in Nigeria.Bank Loans

TABLE OF CONTENTS

Cover page

Title page

Certification    –      –      –      –      –      –      –      –

Dedication      –      –      –      –      –      –      –      –

Acknowledgment    –      –      –      –      –      –      –

Abstract  –      –      –      –      –      –      –      –      –

Table of content     –      –      –      –      –      –      –

CHAPTER ONE: INTRODUCTION

1.1  Background of the Study       –      –      –      –      –

1.2  Statement of the problem     –      –      –      –

1.3  Objective of the Study   –      –      –      –      –

1.4  Significance of the Study       –      –      –      –      –

1.5  Research questions –      –      –      –      –      –

1.6  The Scope of the study  –      –      –      –      –

1.7  Limitation of the study   –      –      –      –      –

1.8  Definition of terms used in the study    –      –

1.9  Organization of the study      –      –      –      –      –

CHAPTER TWO: REVIEW OF RELATED LITERATURE

2.1  Introduction    –      –      –      –      –      –      –

2.2  Concept of Budget and Budgetary control     –

2.3  Types of Budget     –      –      –      –      –      –

2.4  Merit and Demerit of Budgeting and Budgetary Control       –      –      –       –      –      –      –      –

2.5  Characteristics of a Budget    –      –      –      –

2.6  Budget Organization and Administration       –      –

2.7  Budget Preparation –      –      –      –      –      –

2.8  Zero Bases Budgeting (ZBB)  –      –      –      –

2.9  Budget processes and Human behaviour      –      –

CHAPTER THREE: RESEARCH DESIGN AND PROCEDURES

3.1  Introduction    –      –      –      –      –      –      –

3.2  Area of the study    –      –      –      –      –      –

3.3  Population of the Study  –      –      –      –      –

3.4  Sample and sampling techniques   –      –      –

3.5  Sources of data      –      –      –      –      –      –

3.6  Method of Data Collection      –      –      –      –

3.7  Method of Data Analysis –      –      –      –      –

CHAPTER FOUR

PRESENTATION, ANALYSIS AND INTERPRETATION OF DATA

4.1  Introduction    –      –      –      –      –      –      –

4.2  Data Presentation   –      –      –      –      –      –

4.3  Data Analysis and Interpretation   –      –      –

4.4  Discussion of Findings    –      –      –      –      –

CHAPTER FIVE

SUMMARY, CONCLUSION AND RECOMMENDATION

5.1  Introduction    –      –      –      –      –      –      –

5.2  Summary       –      –      –      –      –      –      –

5.3  Conclusion      –      –      –      –      –      –      –

5.4  Recommendation    –      –      –      –      –      –

References      –      –      –      –      –      –      –

Appendix –      –      –      –      –      –      –      –

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