Effect Of Commercial Banks Credit To Small Scale Industries On Economic Growth In Nigeria

ABSTRACT Finances is crucial to any investment decision, this study however is aimed at finding out the effects of commercial banks credit to small scale industries or economic growth in Nigeria. The purpose of this is to ascertain the nature and present scope of this effect in Nigeria economic growth. This study is divided into five chapters highlight the performance of small scale industries financed by commercial banks credit and other financial institutions, and the problems financing the small scale industries in the course of financing them. Secondary data for macro-economic variable were collected and analyzed on an OLS regression model using output level as the  dependant variable and bank credit, interest rate, inflation  rate and  investment as independent variable. The study found out that commercial banks credit has not impacted significantly on the output level and growth of small scale industries commercial banks did not grant credit to small scale industries as supposed, this  leads to excess liquidity in which banks rather than investing, used to big treasury bills. Small scale industrial sector development is very crucial to national economic growth and should be giving priority attention by the Federal Government and commercial banks.   TABLE OF CONTENT CHAPTER ONE: INTRODUCTION
1.1Background to the Study 1.2     Statement of the problems 1.3     Objective of the Study 1.4     Research Questions 1.5     Hypothesis 1.6Scope and Coverage of the Study1.7Limitations of the Study1.8Significance of the Study1.9Definition of Terms
CHAPTER TWO:  LITERATURE REVIEW
2.1Commercial Banks Credit and Small Scale Industries in Nigeria Economy 2.2Theory of Banks Credit2.3Commercial Banks Credit Facilities2.4 Factors Commercial Bank Managers Considers before Granting Credit Facilities 2.4.1How Commercial Banks Create credit in Nigeria Economy2.5Assumptions in the Ability of Commercial Bank to Create Credit in the Economy.2.6 Limitation on the Powers of Commercial Banks to Create Credit in a Economy2.7Effects of Commercial Banks Credit Towards Price Stability for the Economic Growth2.8 Empirical Review
CHAPTER THREE: RESEARCH METHODOLOGY3.0Introduction . 3.2Research Design 3.3Data Collection and Instrument 3.4Validity of Instrument . 3.5Reliability of the Instrument 3.6Method of Data Analysis 3.7Model Specification 
CHAPTER FOUR:  DATA PRESENTATION, ANALYSIS AND INTERPRETATION4.0Introduction 4.1Presentation and Analysis of Hypothesis 4.2Data Analysis and Interpretation4.3Discussion of Findings 4.4Test of Hypotheses 
CHAPTER FIVE: SUMMARY, CONCLUSION AND RECOMMENDATION5.1 Summary of Finding 5.2 Conclusion5.3 Recommendation

BIBLIOGRAPHYAppendix IAppendix II