THE ROLES AND PROBLEMS OF FINANCIAL INSTITUTIONS TO THE GROWTH OF SMALL SCALE BUSINESS IN NIGERIA. (A CASE STUDY OF UNION BANK OF NIGERIA PLC ENUGU)

INTRODUCTION
1.1BACKGROUND OF THE STUDY. Financial institutions have a very great role to play in the growth of small scale business everywhere in the world but I will limit my discussion to their roles in Nigeria. Financial institutions could be seen as an institutions which primary function is collecting and giving out funds to individuals, firms, organizations etc. for business purposes. From the definition of financial institution, or its function, one can see that financial institution could aid the growth of small scale business. How can this be done or achieved? That is the next question that could come to one’s mind. It could be achieved by the financial institutions giving out funds in form of loans, overdraft, grants and aids etc on request from small scale business man or woman. I will not forget to talk about or explain what a small scale business is. A small scale business could be talked about or explained by different people in different ways. And in their different views, a lot of factors or things is being considered before calling a business small scale business. What am saying in essence is that, what Mr A calls small scale business might not be what Mr. B calls small scale business. Therefore a small scale is business is being explained by these few people and school of thought. Blott Lawrence 1973 defines small scale business to be any industry which is independently owned and operated and not dominant in its area of operation. The Committee for Economic Development (C.E.D) of the united States defines small scale business of having at least two of the underlisted characteristics: (a)Managers are also owners. (b)Area of operation mainly local (c)Owner supply capital and (d)Small in size within the industry. TABLE OF CONTENTTitle page
Approval pageDedication AcknowledgementAbstractTable of content
CHAPTER ONEINTRODUCTION1.1Background of the study1.2Statement of the problem1.3Purpose of the study1.4Scope of the study1.5Research hypothesis1.6Significance of the study1.7Limitations of the study1.8Definition of the termsReferences
CHAPTER TWOLITERATURE REVIEW2.1The nigerian financial system: an overview2.2The regulatory institutions within the financial system.2.3The role of financial institutions.2.4Small scale business ownership.2.5Nature and dimensions of small scale business2.6Ways to go into small business2.7Small business and the economy2.8Importance of small scale business.2.9Merits of small scale business2.10Causes of small business failures2.11Government and small business enterprises.2.12Funding problems of small scale business2.13Source of funds2.14Roles of financial institution to the growth of small scales business.Reference
CHAPTER THREE.RESEARCH DESIGN AND METHODOLOGY3.1Research design3.2Area of the study3.3Population of the study.3.4Sample and sampling procedure3.5Instrument for data collection3.6Validation and reliability of the instrument3.7Method of data collection3.8Method of data analysisReference.
CHAPTER FOUR.
DATA PRESENTATION AND ANALYSIS4.1Distribution and return of questionnaires4.2Presentation and analysis of data.4.3Testing of hypothesisReference.
CHAPTER FIVEFINDINGS, CONCLUSION AND RECOMMENDATIONS.5.1Discussion of findings.5.2Conclusions.5.3Implications of research findings.5.4Recommendations.5.5Suggestions for further research.BibliographyAppendix