THE IMPACT OF BANK LOANS ON SMALL AND MEDIUM SCALE ENTERPRISES IN NIGERIA

ABSTRACT This project work was carried out primarily to assess the role of commercial banks in financing small scale industries with particular reference to UBA Plc Awka Branch. In this exercise, two vital categories of functional areas were investigated. The two groups under investigation were the staff and customers of UBA. They were considered to stand better chances of evaluating the Impact of Commercial Banks Loans in Financing Small Scale Industries. The instrument of data collection was questionnaire approach. The questionnaire items were distributed to the staff and customers whose opinions formed the basis of the analysis. The data and material collected were presented in tabular form and complemented by chi-square method. Based on the analysis of the information gathered, it was revealed that small scale industries have a positive impact on the economy of the Nation because it provided employment opportunities to the youths. Based on the outcome of the projects on the basis of analysis, recommendations were offered on the best way the commercial banks could finance the small scale industries for the welfare of the people. 
  TABLE OF CONTENTS TITLE PAGE CERTIFICATION APPROVAL PAGE DEDICATION ACKNOWLEDGEMENT ABSTRACT TABLE OF CONTENTS
CHAPTER ONE 1.0INTRODUCTION  1.1Background of the Study  1.2Statement of the Problem  1.3Objectives of the Study  1.4Significance of the Study  1.5Limitations of the Study  1.6Research Questions  1.7Research Hypotheses  1.8Definition of Terms
CHAPTER TWO 2.0REVIEW OF RELATED LITERATURE 2.1Historical Small Scale Business 2.2Importance of Small Scale 2.3Features/Characteristic of Small Scale Business Enterprises 2.4The Major Forms of Financial Assistance 2.5Problems of Small Scale Industries in Nigeria 2.6  The Roles of Banks in Financing Small Scale Enterprise 2.7Advantages of Banks as Sources of Finance to Industrialist 2.8Disadvantages of Banks as Source of Finance to Small Scale Enterprise
CHAPTER THREE 3.0 RESEARCH DESIGN AND METHODOLOGY  3.1Introduction  3.2Research Design 3.3 Area of the Study 3.4Population of the Study 3.4Sources of Data Collection 3.5 Questionnaire Designs 3.6 Method of Data Analysis ¬3.7 Statistical Technique 3.7.1 Decision Rule 3.7.2 Validity of the Test
CHAPTER FOUR DATA PRESENTATION, ANALYSIS AND INTERPRETATION  4.1Introduction 4.2 Analysis of Distributed Questionnaire 4.3 Test of Hypothesis 4.4Summary of Data Presentation and Analysis
CHAPTER FIVE:  SUMMARY OF FINDINGS, CONCLUSION AND RECOMMENDATIONS 5.1 Introduction 5.2   Summary of Findings 5.2.1 Findings Associated with the Financial Institution 5.2.2 Findings Associated with the Government 5.2.3 Findings Associated with the Small Scale Enterprises 5.3 Conclusion 5.4 Recommendations BIBLIOGRAPHY APPENDIX A APPENDIX B