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

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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 (c²) 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

Acknowledgment         –         –         –         –         –         –         –         –         v

Abstract     –         –         –         –         –         –         –         –         –         –         vii

Table of Contents        –         –         –         –         –         –         –         –          viii

CHAPTER ONE: INTRODUCTION

1.1     Background of the study       –         –         –         –         –         –         1

1.2     Statement of the Problem    –         –         –         –         –         –         2

1.3     Objectives of the Study         –         –         –         –         –         –         3

1.4     Significance of the Study      –         –         –         –         –         –         3

1.5     Research Questions     –         –         –         –         –         –         –         4

1.5.1  Statement of Hypotheses     –         –         –         –         –         –         5

1.6     Scope of the Study       –         –         –         –         –         –         –         5

1.7     Limitation of the Study         –         –         –         –         –         –         6

CHAPTER TWO: LITERATURE REVIEW

2.1     Introduction        –         –         –         –         –         –         –         –         7

2.2     Definition of Small Scale Enterprises    –         –         –         –         7

2.3     Benefits of Small Businesses        –         –         –         –         –         10

2.4     Problems and Challenges of Small Scale Businesses        –         11

2.5     Financing Small Scale Enterprises         –         –         –         –         14

2.6     Definition of Bank       –         –         –         –         –         –         –         19

2.7     Roles of Banks in the Development of Small Scale Business    21

2.8     Summary of the Review        –         –         –         –         –         –         22

 

CHAPTER THREE: RESEARCH METHODOLOGY

3.1     Introduction        –         –         –         –         –         –         –         –         24

3.2     Research Design          –         –         –         –         –         –         –         24

3.3     Area of the Study         –         –         –         –         –         –         –         24

3.4     Population of the Study        –         –         –         –         –         –         25

3.5     Sample Size and Sampling Technique   –         –         –         –         25

3.6     Instrument of Data Collection       –         –         –         –         –         25

3.7     Validation of Instrument      –         –         –         –         –         –         26

3.8     Reliability of Instrument      –         –         –         –         –         –         26

3.9     Method of Data Collection   –         –         –         –         –         –         27

3.10   Method of Data Analysis      –         –         –         –         –         –         27

CHAPTER FOUR: DATA PRESENTATION AND ANALYSIS

4.1     Introduction        –         –         –         –         –         –         –         –         29

4.2     Characteristics of the Respondents        –         –         –         –         29

4.3     Data Presentation and Analysis   –         –         –         –         –         30

4.4     Testing of Hypothesis –         –         –         –         –         –         –         33

4.5     Summary of Findings  –         –         –         –         –         –         –         36

4.6     Discussion of Findings          –         –         –         –         –         –         36

CHAPTER FIVE: SUMMARY, CONCLUSION AND RECOMMENDATION

5.1     Summary   –         –         –         –         –         –         –         –         –         39

5.2     Conclusion –         –         –         –         –         –         –         –         –         41

5.3     Recommendations       –         –         –         –         –         –         –         42

5.4     Suggestion for Further Study        –         –         –         –         –         43

Bibliography       –         –         –         –         –         –         –         –         44

Appendix I –         –         –         –         –         –         –         –         –         46

Appendix II         –         –         –         –         –         –         –         –         47

 

CHAPTER ONE

INTRODUCTION

 

1.1     Background of the Study

In both developed and developing countries, the small scale industry is seen as the vehicle for rapid industrialization, sustainable economic growth and development, poverty alleviation as well as the seed bed of innovation and employment generation. It goes without saying therefore, that small scale enterprises have the potential of becoming the engine of the economic growth in any country (http://www.snbd.com, July 8 2010).

 

Because of this paramount importance of small scale businesses, there has been a pressing need for the involvement of banks in financing its development in Nigeria and Kaduna in particular. This is due to the fact that banks loans constitute the most important source of institutional financing for both start-up and growing enterprises.

It is the realization of this fact that made the government to establish various schemes and programmers in the past to enhance credit availability to small scale enterprise in Nigeria. In recent time now however, the Nigeria bankers committee in 1999, approved the scheme requiring all banks in Nigeria to set aside 10 percent of their profit before Tax (PBT) for equity development in small scale and medium scale industry.

 

Despite these measures, many small scale businesses with economic potentials for growth often fail and close down due to lack of funds, insufficient working capital, lack of managerial experience and skilled labor, poor accounting records as well as lack of infrastructural facilities (central Bank of Nigeria: the billon, October/December 2004:58-b5)

 

Thus, how banks have contributed to improving the aforementioned challenges and the expectations, regarding the development of small scale enterprise in Kaduna are the issues discusses in research work.

 

1.2     Statement of the Problem

Although the small scale enterprise is regarded as the bedrock of industrialization of an economy, attempts made by many entrepreneurs to start and operate them have met with high percentage of failures, lack of fund and insufficient working capital have identified as some of the cause of such failures. The study therefore seeks to answer such questions as; have banks been able to make available capital on affordable terms to small scale enterprise? What measures have been put in place to ensure that such funds are effectively used by enterprises? Does small scale enterprise actually have easy access to

ROLE OF MICRO FINANCE BANKS IN THE ECONOMY DEVELOPMENT OF NIGERIA

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CHAPTER ONE

1. Introduction –         –         –         –         –         –         –         –         –
   1. Background of the study –         –         –         –         –         –         –
   2. Statement of the Problem –         –         –         –         –         –         –
   3. Objective of the study      –         –         –         –         –         –         –
   4. Significance of the study –         –         –         –         –         –         –
   5. Scope and limitation of the study         –         –         –         –         –
   6. Definition of term            –         –         –         –         –         –         –

 

CHAPTER TWO

2. Review of Literature        –         –         –         –         –         –         –
   1. Definition of Micro finance       –         –         –         –         –         –
   2. Role of micro finance bank in Nigeria economy      –         –         –
   3. Beneficiaries from micro finance bank          –         –         –         –
   4. Problem encountered by micro finance bank in Nigeria economy
   5. Procedure for established micro finance bank          –         –         –

CHAPTER THREE

3. Summary, Conclusion and Recommendation          –         –
   1. Summary     –         –         –         –         –         –         –         –
   2. Conclusion –         –         –         –         –         –         –         –
   3. Recommendation   –         –         –         –         –         –         –

Bibliography          –         –         –         –         –         –         –

 

1. CHAPTER ONE

1. INTRODUCTION OF THE STUDY

1.1     BACKGROUND

Micro finance Bank (describe here as small scale financial services to claim that they are economically active various urban and rural areas) has been proven to be effective in fighting poverty by providing entrepreneurs with the necessary capital to start and expand their entrepreneurial activities.

Last year, successive government has put in place various policies in order to make things easier for the ordinary man on the street. Unfortunately, the struggle for survival has became more difficult and excruciating for the toiling masses. Indeed, the government’s concern for the intolerable poverty level, which is more than 54 percent – over 70 million out of 140 million Nigerian population, is encapsulated also in the recent statement by Prof. Chukwuma Soludo, while lamenting that the poverty level in Nigeria is not only getting to a crisis point but also becoming dynastic.

 

1. STATEMENT OF THE PROBLEM

The research is means to widen the researcher knowledge about the topic in question and to serve a benefit to the people who wish to know about Micro finance bank in Nigeria. And also to serve as a basic of knowledge to other students who wish to carryout research on the same topic.

In Nigeria Micro finance Bank instructively, the researchers by statistics, (from the National Bureau of Statistics (NBS) in 2004) say that the 65 percent of Nigerians are served by the informal financial sector made by money leaders, friends, relatives and credit unions. There seriousness of the state government to the cause of poor in their meds would be gauged by their willingness to remit one percent of their annual budget to the micro – credit development fund, which return, qualities then to withdraw from the pool to empower their people. It is importance here to look at those factors responsible for the higher poverty incidence in the country, especially in northern Nigeria that in 2004 single member household had 12.6 percent poverty incidence, 2 – 4 members household 39.9 percent poverty incidence, 5 – 9 household 57.9 percent, 10 – 20 member households 73 percent and above 20 member household often have 90.7 percent poverty incidence.

In the areas of education, the NBS disclosed that households headed

THE SMALL SCALE ENTERPRISES AND ECONOMIC DEVELOPMENT OF NIGERIA: ENUGU STATE EPERIENCE

 

 

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ABSTRACT
The study focused on the small scale enterprise and economic development of Nigeria. Along the line, problems hindering the expansion of small scale enterprises in Enugu State were identified
For guidance on the study, the research formulated hypothesis based on which questions where designed.
The purposes of the study was stated, statement of problems made, and related literature reviewed. Out of the existing small scale industries located in Enugu State, some of them were selected for the research work through random sampling technique. Data were obtained by means of questionnaire, also personal observation was made, the data collected were analyzed using the chi-square (X2), a non parametric test since the questions death with attributes.
It was indicated from the study that small scale enterprises have indeed made useful contributions to the economic development attainment of Nigeria in such a ways as providing employment’s import substitutions improvement technology and etc.
In the process of the study too, it was realized that they have impediments in their contributions to economic development.
Conclusively, economic development can be achieved by establishment of small scale enterprise.
TABLE OF CONTENT

CHAPTER ONE
INTRODUCTION
Problem Identification and Purposes of Study
Rationale of the study
Significant of the study
Definition of terms

CHAPTER TWO
LITERATURE REVIEW
2.1 Theoretical Review
2.2 Empirical Review

CHAPTER THREE
HYPOTHESIS, RESEARCH TOOLS, RESEARCH PROCEDURE, SOURCES OF DATA AND LIMITATIONS OF THE STUDY.
3.1 Hypothesis of the study
3.2 Research tools and research procedure
3.3 Sources of data
3.4 Limitations of the study
CHAPTER FOUR
ANALYSIS
4.1 Presentation of Data
4.2 Analysis of Data / Testing of hypothesis
4.3 Analysis of the result

CHAPTER FIVE
SUMMARY CONCLUSIONS AND RECOMMENDATIONS
5.1 Summary of the study
5.2 Conclusion
5.3 Recommendation for further study
CHAPTER ONE
INTRODUCTION
1.1 PROBLEM IDENTIFICATION AND PURPOSE OF THE STUDY
Nigeria Government joined other countries of the world in emphasizing the establishment of small-scale enterprises which is characterized by small scale industries which size would not all for elaborates administrative structure to play observation role in economic development. Consequently, those roles are feel only little due to insufficient capital, lack of vital business information, lack of education and technology, deteriorating and incompatible controls etc.
The problem in the study therefore is to determine the extent of the contribution of small-scale enterprise towards the economic development in Enugu State and Nigeria.
The purpose of this study there is to analytically appraise the contribution to economic development of the small-scale enterprises in Enugu State.
In order to critically carry out this purpose, the researcher’s primary concern are to.
(1) Examine the type of contribution which small-scale enterprises are expected to make in economic development.
(2) To create an awareness among the citizenry of the importance of small-scale enterprises in Enugu State and Local Government area.
1.2 RATIONALE OF THE STUDY
The rational of the study is to ascertain whether small scale enterprises contribute to the economic development of Nigeria and to what extent.
Different commentators and critics have held contrary views about the contribution of small scale enterprises toward economic development. Some see it as a worthless project that should not be ventured into some as a drain of pipe, a problem to economic developments because it is characterized by problems of small capital, lack of government support, internal control etc. yet, some others see it

THE ROLE OF FINANCIAL INSTITUTIONS IN SMALL
SCALE INDUSTRIAL ACTIVITIES.

 

 

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CHAPTER ONE INTRODUCTION
1.1 Problem identification and purpose of the study
1.2 Rational of the study
1.3 Significant of the study
1.4 Background information about the study
1.5 Definition of terms

CHAPTER TWO-LITERATURE REVIW
2.1 Theoretical review
2.2 Empirical review

CHAPTER THREE HYPOTHESIS, RESEARRCH TOOLS PROCEDURE, SOURCES OF DATA AND LIMITATION OF THE STUDY.
3.1 Hypothesis of the study
3.2 Research tools and research procedures
3.3 Sources of data
3.4 Limitations of the studies.

CHAPTER FOUR PRESENTATIONS OF DATA, DATA
ANALYSIS/TESTING OF HYPOTESIS, DISCUSTION OF RESULT.
4.1 Presentation of data and analysis
4.2 Test of hypothesis
4.3 Discussion of result.

CHAPTER FIVE SUMMARY, CONCLUSIONS AND RECOMMENDATIONS,
5.1 Summary of the study
5.2 Conclusion
5.3 Recommendation.

INTRODUCTION

PROBLEM IDENTIFICATION AND PURPOSE OF THE STUDY.
Nigeria financial institutions have over the years given support on various developments projects across the country. (Agbo 2000) In line with this, they were suppose to have givien such financial assistant to small scale industries to enable them hence their administrative structure and industries have over the years been hampered by insufficient capital, lack of know how, lack of education, bad debts, low turnover and detracting scale, etc.
The problem in this study therefore is to determine and ascertain the extent of the contributions of financial institution in the activities of small-scale industries.
The purpose of this study is to analytically appraise the contribution to the growth of small-scale industries through the financial institution in Nigeria.
In order to critically carryout this purpose, the researcher’s primary concerns are:
1.1 Examine the type of role, which financial institutions play towards the development of small-scale industries.
Also examine the contributions of financial institutions to small-scale industrial activities.
1.2 RATIONAL OF THE STUDY
For any economy to grow and develop, there is need for small-scale industries to exist. I n developing countries like Nigeria, one of the ways of allocating the problems of economic development is through the establishment of local manufacturing industries. These industries mainly depend on the local raw materials and manpower

THE ROLE OF NIGERIA DEPOSIT INSURANCE CORPORATION IN REVAMPING DISTRESSED BANKS IN NIGERIA

 

 

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CHAPTER ONE:
1.0 INTRODUCTION 1
1.1 BACKGROUND OF THE STUDY 1
1.2 STATEMENT OF THE STUDY 5
1.3 PURPOSE/OBJECTIVE OF THE STUDY 6
1.4 SIGNIFICANCE OF THE STUDY 11
1.5 LIMITATION OF THE STUDY 12

CHAPTER TWO
2.0 REVIEW OF RELATED LITERATURE 17
2.1 GENESIS OF NDIC IN NIGERIA 17
2.2 SCOPE OF NDIC 18
2.3 FUNCTIONS OF NDIC
2.4 OPERATIONAL PROBLEMS OF NDIC

CHAPTER THREE
3.0 RESEARCH DESIGN AND METHODOLOGY26
3.1 SOURCES OF DATA (SECONDARY SOURCES ONLY)26
3.2 LOCATION OF DATA 27
3.3 METHOD OF DATA COLLECTION 27
(LITERATURE WORK ONLY)

CHAPTER FOUR
4.0 FINDINGS 28
CHAPTER FIVE
5.0 RECOMMENDATIONS AND CONCLUSION
5.1 RECOMMENDATIONS 29
5.2 CONCLUSION 31
BIBLIOGRAPHY 33
CHAPTER ONE
INTRODUCTION
As part of the reform measures taken to strengthen the supervisory framework for the banking sector, the Nigeria deposit Insurance corporation (NDIC) was established by decree N.22 of 1988. This reinforcement became imperative given the up surge in the member of licensed bank following the adoption in addition to this, there was also the long term need to create and sustain an enabling environment that will engender sate and sound banking practices by protecting the banking system against destruction runs, protecting bank deposit (especially those of small savers) and ensuring fair play amongst the competing banks. These cardinal consider actions were rein formed by the lesson of history of bank features in Nigeria, the experience of other countries where deposit insurance scheme are being operated and there alive of the prevailing distressed financial condition of the bank in particular and other financial intermediaries in the financial sector in general.
A collaborative study of distress in the Nigeria financial sector was conducted by the corporation and the Central Bank of Nigeria (CBN) and its finding corroborated the earlier held view that distress among the Nigeria Banks was precipitated by a complex set of interrelated problems that had for long afflicted the industry. These include poor management, capital inadequacy, poor lending etc.
Ever since its establishment the Nigerian Deposit Insurance Corporation (NDIC) has consistent with its mandate as provided in NDIC decree. Continued to ensure safe and sound banking system. The sanitization of the banking sector has remained the primary focus of the corporation’s activities through the adoption of appropriate failure resolution options and effective implement action of various laws. Promulgate by the government to stem the hide of distress in the system. This understandably, was because might from its inception the corporation has had to contend with insuring insolvent banks.
The corporations effort and out standing challenges in this regard are reviewed in this term paper and organized as follows after this introduction. Chapter 1, 1.1 talks about background of the study, 1.2statement of the problem, 1.3 purpose/objective of the study,1.4 significance of the stubby.1.5 limitation of the study. Chapter2 presents the review of related literature. Chapter 3, 3.0 Research design and methodology 3.1 sources of data (secondary sources only, 3.2 location of data, 3.3 method of data collection (literature work only) Chapter 4, 4.0 findings.
Conclusively, there are chapter 5, which is the last chapter of the term paper. It talks summary while 5.1 is the recommendations and lastly 5.2 which presents conclusion before the bibliography.

1.1 BACKGROUND OF NIGERIANS DEPOSIT INSTURANCE CORPORATION
The Federal Military Government Decree No. 22 the 15th June 1988. “There is hereby established a body to be known as the Nigeria Deposit Insurance Corporation (hereinafter in this Decree referred to as “the corporation”). This corporation is out to insure bank deposits thereby helping to promote safe and sound banking system in Nigeria, protect depositors interest and further inculcate banking habit amongst Nigerians.
NDIC in an autonomous supervisory body with powers among others, to examine the books and affairs of insured banks and other deposit taking financial institutions operating n Nigeria, to insure their total deposit liabilities with NDIC with the exception of insider deposits, ie deposits belonging to the Board members and staff of the insured bank, deposits used as collateral and such other deposits Borad of NDIC may exempt from time to time.
Deposit insurance is financial guarantee instituted as a measure of safety for the banking system to protect depositors. Deposit insurance promotes the stability of the banking system. It assures the saver that his funds are safe, and that the failure of one bank does not mean that all banks are in danger of failing. The authorized capital of the corporation is N1000M (One thousand million Naira) out of which N50m (fifty million naira) has alre