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An important feature of the Nigerian economy is imbalance in the spatial distribution of natural resources, basic infrastructure and economic institution. In order to foster development, some less development attempts to have started making conscious attempts to encourage deferent part of their territories to tap adequate resources which nature provide.


Throughout it history, shall scale enterprise has been one of the major wheels of economic development in almost all economic of the world from the simple money changing transaction of the Jews in Italy to the middle age goldsmith in England who were regarded as real revolution and up to the present day, complex arrangements of financing of small and medium scale enterprise and the importance of it in any economy cannot be overemphasized.


Its history has been the story of development and problems, occasionally; it has developed from its early role of accepting or financing of small and medium scale business, which is better handled by banks and rural areas. Small and medium scale business that takes care of all the financial needs of its customers. It is the theme of this project to analyze the policy, formulation and execution strategies of the small and medium scale business especially in the rural areas with the view to evaluate the problems and recommendation of the problems. However, prospects are therefore small and medium scale enterprise in Nigeria so as to know what the future hold for them.





1.1    Introduction      –       –       –       –       –       –       –       –       1

1.2   Background of the study    –       –       –       –       –       –       3

1.3    Statement of problem        –       –       –       –       –       –       5

1.4    Objective of the study        –       –       –       –       –       –       9

1.5    Research hypothesis –       –       –       –       –       –       –       10

1.6    Scope and limitations of the studies   –       –       –       –       11

1.7    Definition of term      –       –       –       –       –       –       –       12

CHAPTER TWO :      Literature review

2.1    Introduction      –       –       –       –       –       –       –       –       13

2.2    Institution established for the finance of scale    –       –       13

2.3    What institute a small scale industry –       –       –       16

2.4    Small scale industry and problems of financing  –       –       18

2.5    Factors responsible for business failure     –       –       –       27

2.6    Interest charges         –       –       –       –       –       –       –       28

2.7    Out come of finance  –       –       –       –       –       –       –       29


3.0    Summary –       –       –       –       –       –       –       –       –       31

3.1    Recommendation-     –       –       –       –       –       –       –       32

3.2    Conclusion        –       –       –       –       –       –       –       –       33

References        –       –       –       –       –       –       –       –       –       34






Industrialization in Nigeria can be traced as far back as the mid sixty (mid 60’s) although co-ordination and meaningful programmers in this direction become manifested with the released of the second national development plans, subsequent development plan has long focused largely on industrial growth and development plan. These accounted for introduction of the small scale industries credit scheme (s-s-1.cs) all over the federation in 1996 each state from the defined Benue-Plateau states, came the birth of the present Plateau state government which sponsor small-scale industries credit scheme.


The federal and state government realized the important of small-scale industries in the growth and development of stable and dynamic economy accounted for their government assistance in both cash and lend. They made funds and expertise available to small scale medium industries to enable them under take project that could contribute to the economic development of the country.


In general term, the small-scale industries credit scheme was established to provide loan in a cash and kind to the establishment and modernization of small-scale industries that offer promising being of economically viable by producing, needed commodities, making use of local raw materials and expanding employment opportunities, small- scale industries being the “back-bone” of any economy principal source of innovation and new ideals or method, they make up of economic units in every economy, their development and growth is of great significant to overall health of the natural economy by financing (inform of loans) these small-scale industries especially those in the rural areas, it is hoped that growth and development of small-scale industries which is an important pre-requisite for the substance of well balance industries would achieved and there by ensured the realization of Nigeria’s industrial goals, since the bulk source of the Nigeria raw materials are from the rural areas.


Historically small-scale industrial programmes. In developed economy and united state of America (U.SA ) Germany and Japan developing country like Nigeria, generally speaking, small, scale industries served as.


1.2     BACK GROUND OF THE Study

Union Bank of Nigeria plc, commercial banking operate in Nigeria in 1894 as the bank of British West Africa limited (Liver pool) with an authorized share capital of $100000 (one hundred thousand Dollars), making it the second bank to be established in Nigeria after first bank.


The bank recorded remarkable growth over the years with the opening of a branch in Calabar in 1907 and they take over in 1912 of the bank of Nigeria thus, regarding, it position as second bank of apart from first bank in the country at that time. The bank was nominated to act as agent in Nigeria to the West Africa currently board (set up in 1912) to perform, the role of a commercial banking like first bank in Nigeria.


However, it retained this role until 1959 when the central bank of Nigeria was established. The central bank of Nigeria was established inline with the discoloration process of the 1950’s, the bank’s name was changed to bank of West African Limited in 1957. The standard bank of England in compliance with the company’s decree of Nigeria limited in 1969. the federal government of Nigeria purchased 36, 1% of the bank equity while the Nigeria investors took up 12.9% in line with the indigenization process, commenced by the Nigerian government in 1972, government share holding had increased to 44.76% and that of other local investors to 17.24% as a result of the dilution of union bank of Nigeria plc and its share were listed on the floor of the Nigeria stock exchange in the same year.


In compliance with the requirements of sections 31 of the Companies Allied Matters Act 1990. The name of the bank was further changed to union bank provide its customer a full range of commercial banking services including current saving and deposit accounts, loans and over-drafts, provision of international banking services, least export credits, financial advisory services and soon with the establishment of merchant bank in 1990, the bank has also be able to provide its numerous customers a full range or merchant banking services. The union bank of Nigeria plc provides services to its customers in different dimensions in the country.



In spite of numerous efforts by the government to increase new form of industrial activities in the national economy and the unique position occupied in the small and medium industries in the overall national development, very competition disadvantages with the big industries in Kaduna state


This article highlights various college of education, polytechnics, universities website in Nigeria.


Adeyemi College of Education, Ondo,

Alvan Ikoku College of Education, Owerri,

Alvan Ikoku College of Education, Owerri,

Federal College of Educ. Abeokuta,

Federal College of Education, Eha-Amufu,

Federal College of Education, Kano,

Federal College of Education, Katsina,

Federal college of Education, Kontagora,

Federal College of Education, Obudu,

Federal College of Education, Okene,

Federal College of Education, Okene,

Federal College of Education, Pankshin,

 Federal College of Education, Yola,

Federal College of Education, Zaria,

Federal College of Education (Technical), Akoka,

Federal College of Education (Technical), Asaba,

Federal College of Education (Technical), Bichi,

Federal College of Education (Technical), Gombe,

Federal College of Education (Technical), Gusau,

Federal College of Education (Technical), Omoku,

Federal College of Education (Special) Oyo,

State college of education

College of Education, Agbor,

Akwa-Ibom State College of Education, Afaha-Nsit,

College of Education, Akwanga, ., form and admissions list

College of Education, Akwanga,

Cross River State College of Education, Akamkpa,

Adamu Augie College of Education, Argungu,

College of Education, Azare,

Bayelsa State College of Education, Okpoama,

Emmanuel Alyande College of Education, Oyo,

Enugu State College of Education (Tech.) Enugu,

College of Education, Ekiadolor,

Umar Suleiman College of Education, Gashua,

College of Education, Gindiri,

Michael Otedola College of Primary Education, Moforiji,

College of Education, Port Harcourt,

Adeniran Ogunsanya College of Education, Otto,

Tai Solarin College of Education, Ijebu-Ode,

Tai Solarin College of Education, Ijebu-Ode,

Ebonyi State College of Education, Ikwo,

College of Education, Ikere,

College of Education, Ilesha, .

College of Education, Ilesha,

College of Education, Ilorin,

College of Education, Jalingo,

Kano State College of Education, Kumbotso,

College of Education, Benue,

Kebbi State College of Education, Argungu,

College of Education, Minna,

Nwafor Orizu College of Education, Nsugbe,

College of Education, Oju,

College of Education, Oro,

College of Education, Oro,

Oyo State College of Education, Oyo,

College of Education, Warri,

College of Education, Warri,

FCT College of Education, Zuba,

Private college of education in Nigeria

Angel Crown College of Education, Gidan-Daya, .

Elder Oyama Memorial College of Education, Ofat-Adun,

Assanusiyah College of Education, Odeomu,

African Thinkers Community of inquiry College of Education,

Best Legacy College of Education, Ikirun,

Bauchi Institute for Arabic and Islamic Studies, .

Calvin Foundation College of Education, Naka,

Harvard Wilson College of Education, Aba,

Hill College of Education, Akwanga,

Institute of Ecumenical Education, Enugu,

College of Education, Foreign Links Campus Moro,

College of Education, Foreign Links Campus Moro,

Diamond College of education aba

Muhyideen College of Education, Ilorin,  

ONIT College of Education, Abagana, .

The African Church College of Education, Lagos,

St. Augustine College of Education, Yaba,

Yewa Central College of Education, Ogun,

List of Federal Universities in Nigeria

Abubakar Tafawa Belewa University,

Ahmadu Bello University, Zaria,

Bayero University, Kano,

Federal University, Gashua,

Federal University of Tech, Akure,

Federal University of Petroleum Resources, Effurun,

Federal University of Technology, Minna,

Federal University of technology, Owerri,

Federal University Dutse,

Federal University Dutsin-Ma,

Federal University, Ndufu-Alike,

Federal University, Otuoke,

Federal University, Wukari,

Federal University, Birnin Kebbi,

Federal University, Gusau

Michael Okpara Univeristy of Agric, Umudike, .

Modibbo Adama University of Tech, Yola, .

National Open University of Nigeria,

Nigeria Police Academy Wudil, .

Nigeria defense Academy, Kaduna, .

Nnamdi Azikiwe University, Awka,

Obafemi Awolowo University, Ile-Ife, .

University of Abuja, Gwagwalada, .

University of Agriculture Abeokuta,

University of Agriculture Markurdi,

University of Benin,

University of Calabar,

University of Lagos,

University of Maiduguri,

University of Nigeria Nsukka,

University of Port-Harcourt

University of Uyo, .

Usmanu Danfodiyo University,

List of State Universities in Nigeria admission list

Abia State University, Uturu,

Adamawa State University, Mubi,

Adekunle Ajasin University, Akungba,

Amrose Alli University, Ikot Akpaden,

Anambra State University of Sc. & Tech, Uli,

Anambra State University of Sc. & Tech, Uli,

Bauchi State Unibversity, Gadau,

Benue State University Markurdi,

Bukar Abba Ibrahim University, Damaturu,

Cross River State University of Sc. & Tech, Calabar, .

Delta State University Abraka,

Ebonyi State University, Abakaliki,

Ekiti State University,

Enugu State University of Sc. & Tech. Enugu,

Gombe State University, Gombe

Ibrahim Badamasi Babangida University,

Ignatius Ajuru University of Education,

Imo state University,Owerri,

Jigawa State University,

Kaduna State University, Kaduna

Kano University of Sc. & Tech, Wudil

Kebbi State University, Kebbi,

Kogi State University, Anyigba,.

Kwara State University, Ilorin, .

Ladoke Akintola university of Tech,

Lagos State University Ojo,

Nasarawa State University, Keffi,

Niger Delta University, Yenagoe,

Olabisi Onabanjo University Ago-Iwoye,

Ondo State University of Sc. & Tech, Okitipupa,

Osun State University, Oshogbo,

Plateau State University, Bokkos,

Rivers State University of Sc. & Tech,

Tai Solarin University of Education, Ijebu-ode,

Taraba State University, Jalingo,

Umaru Musa Yar’Adua University,

Private Universities

Achievers University, Owo,

Adeleke University, Ede,

Afe Babalola University, Ado- Ekiti,

African University of Sc. & Tech, Abuja,

Al-hikmah University, Ilorin,

Ajayi Crowther University, Ibadan,

Al-Qalam University, Katsina,

American University of Nigeria, Yola, .

Babcock University, Ilishan,

Baze University,

Bells University of Technology, Otta,

Benson Idahosa University, Benin,

Bingham University, New Karu,

Bowen University, Iwo,

Caleb University, Lagos, .

Caritas University, Enugu,

CETEP City University, Lagos,

Covenant University, Ota,

Crawford University, Igbesa,

Crescent University,

Elizade University, Ilara-mokin, .

Fountain University, Oshogbo,

Gregory University, Uturu,

Hallmark University,

Igbinedion University, Okada

Joseph Ayo Babalola University,Ikeji,

Kwararafa University, Wukari,

Lead City University, Ibadan,

Madonna University, Okija

Mcpherson University, Seriki

Nigerian-Turkish Nile University, Abuja,

Novena University, Ogume,

Obong University, Obong Ntak, .

Oduduwa University, Ipetumodu,

Pan-African University, Lagos,

Paul University, Awka,

Redeemer’s University, Mowe,

Renaissance University, Enugu,

Salem University, Lokoja,]

Tansian University, Umunya, .

University of Mkar

Veritas University, .

Wellspring University, Edo, .

Wesley University of Sc. & Tech, Ondo,

Western Delta University, Oghara

List of all the Federal Polytechnics in Nigeria

    Air Force Institute of Technology Nigerian Air Force,

    Air Force Institute of Technology Nigerian Air Force,

    Akanu Ibiam Federal Polytechnic, Unwana,

Nigeria Army School of Military Engineering,

     Auchi Polytechnic .

     Auchi Polytechnic .

    Federal Polytechnic, Ado-Ekiti

Federal Polytechnic, Ado-Ekiti .

Federal Polytechnic, Bauchi, .

    Federal Polytechnic, Bida,

 Federal Polytechnic, Bida,

   Federal Polytechnic, Damaturu,

     Federal Polytechnic, Ede, Osun State,

 Federal Polytechnic, Ede, Osun State,

 Federal Polytechnic, Ida,

   Federal Polytechnic, Ida, .

  Federal Polytechnic, Ilaro,

     Federal Polytechnic, Ile-Oluji, Ondo State,

    Federal Polytechnic, Mubi,

   Federal Polytechnic, Namoda,

   Federal Polytechnic, Nassarawa,

  Federal Polytechnic, Nekede,

    Federal Polytechnic, Nekede,

Federal Polytechnic, Offa,

 Federal Polytechnic, Offa,

 Federal Polytechnic, Oko,

Federal School of Dental Technology and Therapy,

Kaduna Polytechnic, Kaduna,

Hussaini Adamu Federal Polytechnic,

Nigeria Army School of Military Engineering,

Federal College of Animal Health and Production Technology

Waziri Umaru Federal Polytechnic Birnin Kebbi,

Yaba College of Tech,

List of State Polytechnics in Nigeria

 Abraham Adesanya Polytechnic, Ijebu-Igbo,

Abia State Polytechnic, .

Adamawa State Polytechnic,

Akwa-Ibom State Polytechnic, Ikot-Osurua,

Benue State Poly, Ugbokolo,

Gateway Polytechnic, Igbesa,

Rufus Giwa Polytechnic,

Rufus Giwa Polytechnic,

The Polytechnic, Ibadan, .

Institute of Mgt. and Tech,

Imo State Polytechnic, Umuagwo

Kano State Polytechnic,

Kogi State Polytechnic, Lokoja,

Kwara State Polytechnic, Ilorin,

Lagos State Poly, Ikorodu,

Moshood Abiola Poly,

Nasarawa State Polytechnic

Nuhu Bamalli Polytechnic,

Delta State Polytechnic, Ogwashi-Uku,

Osun State Poly, Iree,

Osun State Poly, Iree,

Osun State College of Tech, Esa-Oke,

Delta State Polytechnic, Ozoro,

Plateau State Polytechnic, Barkin-Ladi,

Adamawa State Poly,

Rivers State College of Arts and Science,

Rivers State College of Arts and Science

Rivers State Polytechnic,

Gateway Polytechnic Saapade

Edo State Inst. of Tech and Mgt, Usen,

Niger State Poly, Zungeru, Niger State,

List of Private Polytechnics in Nigeria

Allover Central Polytechnic,

Crown Polytechnics,

Covenant Polytechnic,

Dorben Polytechnic, Bwari-Garam Road,

Fidei Polytechnic, Gboko,

Grace Polytechnic,

Grace Polytechnic,

Igbajo Polytechnic,

The Polytechnic, Ile-Ife, NITEL Road

Lagos City Poly, Ikeja, Lagos State,

Light House Polytechnic, Eubuobanosa,

Interlink Polytechnic,

Kings Polytechnic, Ubiaja,

RONIK Polytechnic,

Shaka Polytechnic, Polytechnic, Benin city,

Temple-Gate Polytechnic,

Wolex Polytechnic

Prime Polytechnic

The Polytechnic Imesi-Ile, Osun

Heritage Polytechnic, Ikot Udota

Ibadan City Polytechnic

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