PROBLEMS FACING SMALL AND MEDIUM SCALE ENTERPRISES IN OBTAINING BANK LOANS (A CASE STUDY OF UNION BANK OF NIGERIA PLC OGUI ROAD ENUGU)

ABSTRACT This research work aims at investigating the problems encountered by small and medium scale enterprises in obtaining bank loans with particular reference to Union Bank Nig. Plc, Ogui Road, Enugu.It is a common knowledge that Banks often favour the large –scale industries in credit extension scheme.  This is because of their higher equity base, availability of collaterals and lower risk.  Further still, they have a more organized management team and employ professionals with greater skills. In this study therefore, efforts are made to identify the problems usually encountered by small and medium scale enterprises in raising money from bank.  These problems could be broken down into technical problems, managerial or environmental constraints and financial problems.Nevertheless, have identifi9ed these problems some suggestions on how to ameliorate such inherent difficulties were offered.




TABLE OF CONTENTS TITLE PAGE APPROVAL PAGE DEDICATION ACKNOWLEDGEMENT ABSTRACT TABLE OF CONTENT LIST OF TABLE
CHAPTER ONE INTRODUCTION 1.1Background of the Study 1.2Statement of Problems 1.3Objectives of Study 1.4Scope of Delimitation of the Study 1.5Research Questions 1.6Hypothesis 1.7Significance of the Study References CHAPTER TWO LITERATURE REVIEW 2.1Overview of the Problem  2.2Nature of Small and Medium Scale Enterprises  2.3Role of Small and Medium Scale Enterprises 2.3.1Employment Generation 2.3.2Poverty Eradication 2.3.3Improved Income Distribution and Fulfilment of Basic Need 2.3.4Problem confronting small and medium scale enterprises 2.5Source of fund available to small and medium scale enterprises  2.5.1External Sources of Fund/Finance 2.6Loan Application 2.7Government efforts towards finding of small and medium scale enterprises 2.8Summary of review of related literature  References
CHAPTER THREE RESEARCH DESIGN AND METHODOLOGY 3.1Design of the Study 3.2Areas of the Study 3.3Population of the Study 3.4Sample and sampling procedure 3.5Instrument of Data Collection 3.6Validation of the Instrument 3.7Reliability of the Instrument 3.8Method of Data Collection 3.9Method of Data Analysis
CHAPTER FOUR PRESENTATION, ANALYSIS AND INTERPRETATION OF DATA Summary of Result/Findings
CHAPTER FIVE SUMMARY OF FINDINGS, CONCLUSION AND RECOMMENDATIONS 5.1Summary of Findings 5.2Conclusion 5.3Recommendations Bibliography Appendix I Appendix II