THE CONTRIBUTIONS OF UNITED BANK FOR AFRICA TO THE DEVELOPMENT OF SMALL SCALE ENTERPRISES

ABSTRACT This study focuses on the contribution of Untied Bank for Africa to the Development of Small Scale Enterprises. It aims at evaluating the contribution of United Banks in financing small scale businesses, identifying challenges of accessing bank loans as well as possible factors hindering implementation of credit policies by banks. To achieve this, the survey research design was adopted with oral interviews and questionnaires to elicit responses. The simple percentages and chi – square (2) test statistics were used in analyzing the data and determining the tenability of the hypotheses formulated. Unaffordable terms of capital, challenges in accessing bank loans and advances and factors hindering implementation of credit policies were found to be more challenging, the researcher recommends that banks should make available capital an affordable terms ensure regular routine check on businesses, educate entrepreneurs through managerial workshops and government should enforce implementation of credit to policy to boost the development of small businesses.   TABLE OF CONTENTS Title Page--i Declaration -ii Approval Page-iii Dedication--iv Acknowledgmentv Abstract--vii Table of Contentsviii
CHAPTER ONE:  INTRODUCTION  1.1 Background of the study--1 1.2Statement of the Problem--2 1.3Objectives of the Study--3 1.4Significance of the Study--3 1.5Research Questions---4 1.5.1Statement of Hypotheses--5 1.6Scope of the Study---5 1.7Limitation of the Study--6
CHAPTER TWO:  LITERATURE REVIEW 2.1Introduction7 2.2Definition of Small Scale Enterprises7 2.3Benefits of Small Businesses-10 2.4Problems and Challenges of Small Scale Businesses-11 2.5Financing Small Scale Enterprises14 2.6Definition of Bank---19 2.7Roles of Banks in the Development of Small Scale Business21 2.8Summary of the Review--22
CHAPTER THREE:  RESEARCH METHODOLOGY 3.1Introduction24 3.2Research Design---24 3.3Area of the Study---24 3.4Population of the Study--25 3.5Sample Size and Sampling Technique25 3.6Instrument of Data Collection -25 3.7Validation of Instrument--26 3.8Reliability of Instrument--26 3.9Method of Data Collection--27  3.10Method of Data Analysis--27
CHAPTER FOUR:  DATA PRESENTATION AND ANALYSIS 4.1Introduction29 4.2Characteristics of the Respondents29 4.3Data Presentation and Analysis-30 4.4Testing of Hypothesis---33 4.5Summary of Findings---36 4.6Discussion of Findings--36
CHAPTER FIVE:  SUMMARY, CONCLUSION AND RECOMMENDATION 5.1Summary-39 5.2Conclusion-41 5.3Recommendations---42 5.4Suggestion for Further Study-43 Bibliography44 Appendix I-46 Appendix II47