THE ROLE OF COMMERCIAL BANKS IN FINANCING SMALL SCALE INDUSTRIES IN NIGERIA (A CASE STUDY OF UNION BANK OF NIGERIA PLC) (#10153)

ABSTRACT The topic of dissertation is The Role Of Commercial Banks In Financial Small Scale Industries In Nigeria. A case study of Union Bank of Nigeria PLC. The major objective of the study is to ascertain the extent to which Union Bank of Nigeria PLC has helped to financial small scale industries in Nigeria. The instrument of data collection is questionnaires and research questions which formed the source of primary data, while materials from various published articles, textbooks, Journals and Newspapers formed the source of secondary data. The method of analysis is the use of  tables, percentages and Chi-Square .  The major finding of the research is that Union Bank of Nigeria PLC has contributed their quater towards financing small scale industries in the period under review.
The recommendation based on the finding is that in order to reduce the risk in small scale industry lending, the Central Bank of Nigeria (CBN) and the Government could make more resources available for lending purpose. The study concluded that if the desired objective of using small scale industries as catalysts of development is to be achieved then, the role of Commercial Banks should be mutually supportive.


TABLE OF CONTENTS Inside Cover page                                        i Certification iii Declaration    iv Dedication                                           v Acknowledgement                                       vi Abstract                                              viii Table of Content                                 ix
CHAPTER ONE 1.0     INTRODUTION                                1 1.1     Background to the problem       1 1.2     Problem statement                     4 1.3     Objectives of the study              5 1.4     Research questions                    5 1.5     Research hypothesis                  6 1.6     Scope of study                          6 1.7     Limitations of the study                      6 1.8     Significance of the Study           7 1.9     Definition of Terms                   8 Reference                                   10
CHAPTER TWO 2.0     LITERATURE REVIEW       11 2.1     Introduction                              11 2.2     Meaning of small scale industry12 2.3     Government policy                    14 2.4     Support systems                       16 2.5     Financing                                    16 2.6     Monetary policy development in favour of small scale industries       20 2.7     Benefits of small scale industry 21 2.8     Problems facing small scale industry  21 2.8.1  Financing the project                 22 2.8.2  Technical knows how                23 2.8.3  Personnel, matters and general administration                         24 2.9     Improving funding small scale industries                                 25 References                                 27
CHAPTER THREE     3.0     RESEARCH METHODOLGY 3.1     Introduction of the study                    29     3.2     Research design                         29 3.3     Area of study                            29 3.4     Population of study                   29 3.5     Sample size determination         29 3.6     Instrument for data collection   31 3.7     Validation of the instrument     31     3.8     Reliability of the instrument      31 3.9     Method of data collection          32 3.10   Data analytical techniques         32 References                                 35
CHAPTER FOUR        4.0     PRESENTATION AND ANALYSIS OF DATA                  36 4.1     Presentation of data                  36 4.2     Hypothesis testing                             36
CHAPTER FIVE          5.0     CONCLUSIONS AND RECOMMENDATIONS                 56 5.1     Findings                                    56 5.2     Conclusion                                57 5.3     Recommendation                       57 Bibliography                             60 Questionnaire                            62