
PROBLEMS FACING SMALL AND MEDIUM SCALE ENTERPRISES IN OBTAINING BANK LOANS
ABSTRACT
This research work aims at investigating the problems encountered by small and medium scale enterprises in obtaining bank loans with particular reference to Union Bank Nig. Plc, Ogui Road, Enugu.It is a common knowledge that Banks often favour the large − scale industries in credit extension scheme. This is because of their higher equity base, availability of collaterals and lower risk. Further still, they have a more organized management team and employ professionals with greater skills.
In this study therefore, efforts are made to identify the problems usually encountered by small and medium scale enterprises in raising money from bank. These problems could be broken down into technical problems, managerial or environmental constraints and financial problems. Nevertheless, have identifi9ed these problems some suggestions on how to ameliorate such inherent difficulties were offered.
CHAPTER ONE
1.1 Introduction
… This chapter will address the background information that motivated this study, the challenges that prompted it, its aim, and its objectives as a preface to subsequent sections of the study. Additional factors include the study's significance, scope, limitations, research questions and hypotheses, and the definition of technical terms.
CHAPTER TWO
2.0 Literature Review
2.1 Introduction
The review of relevant literature is the main topic of this chapter. A literature review covers theoretical and methodological contributions to a certain issue in addition to the state of knowledge at the time of writing. It provides information about the state of the art in relation to the subject you are writing about. It examines the body of work on the chosen subject. The literature evaluation in this study comprises the …
Procedure for Downloading the PDF (Docx) Material
Problems Facing Small and Medium Scale Enterprises in Obtaining Bank Loans can be downloaded by requesting the full set of materials at the project or seminar cost. The document will be sent via Microsoft Word (MS-Word) format via WhatsApp (e-mail) following payment confirmation.
Seminar Material Cost ₦3,000 | Project Material Cost ₦5,000 |
Request Complete Material
![]() | Click here to request the Complete Material via WhatsApp including;
|
TABLE OF CONTENTSPRELIMINARY PAGES
- Title page
- Approval page
- Dedication
- Acknowledgement
- Table of Contents
- Abstract
INTRODUCTION
- 1.1 Introduction
- 1.2 Background …
- ⋮
LITERATURE REVIEW
- 2.1 Introduction
- 2.2 Conceptual Review
- 2.3 Theoretical Framework
- ⋮
- 2.4 Empirical Studies
- 2.5 Research Gaps
- 2.6 Summary of Literature Review
CHAPTER THREE
RESEARCH METHODOLOGY
- 3.1 Introduction
- 3.2 Research Design
- 3.3 Population of Study
- 3.4 Sampling and Sampling Technique
- 3.5 Validation of Research Instrument
- 3.6 Method of Data Collection
- 3.7 Method of Data Analysis
- 3.8 Questionnaire Administration
- 3.9 Ethical Consideration
- 3.10 Statistical Analysis
CHAPTER FOUR
DATA ANALYSIS, RESULT AND DISCUSSION
- 4.1 Introduction
- 4.2 Presentation and Analysis of Data
- 4.3 Re-statement of Research Questions
- 4.4 Test of Hypotheses
- 4.5 Discussion of Findings
CHAPTER FIVE
SUMMARY, CONCLUSION AND RECOMMENDATION
- 5.1 Introduction
- 5.2 Summary of Findings
- 5.3 Conclusion
- 5.4 Recommendation
- 5.5 Suggestion for Further Study
REFERENCES
APPENDIX A - “QUESTIONNAIRE”
Disclaimer for Complete Material Utilization
The displayed research work titled "Problems Facing Small and Medium Scale Enterprises in Obtaining Bank Loans" is stated as a research guideline towards accomplishing your assigned project / seminar research work. All the research materials on this website are ONLY for research purposes and should be used as a guideline in developing your research work. For no reason should you copy word for word as projectlist.com.ng will not be liable for any who copied the material. By ordering the complete research guideline, it signifies that you've accepted our terms of service.
PRELIMINARY PAGES
- Title page
- Approval page
- Dedication
- Acknowledgement
- Table of Contents
- Abstract
INTRODUCTION
- 1.1 Introduction
- 1.2 Background …
- ⋮
LITERATURE REVIEW
- 2.1 Introduction
- 2.2 Conceptual Review
- 2.3 Theoretical Framework
- ⋮
- 2.4 Empirical Studies
- 2.5 Research Gaps
- 2.6 Summary of Literature Review
CHAPTER THREE
RESEARCH METHODOLOGY
- 3.1 Introduction
- 3.2 Research Design
- 3.3 Population of Study
- 3.4 Sampling and Sampling Technique
- 3.5 Validation of Research Instrument
- 3.6 Method of Data Collection
- 3.7 Method of Data Analysis
- 3.8 Questionnaire Administration
- 3.9 Ethical Consideration
- 3.10 Statistical Analysis
CHAPTER FOUR
DATA ANALYSIS, RESULT AND DISCUSSION
- 4.1 Introduction
- 4.2 Presentation and Analysis of Data
- 4.3 Re-statement of Research Questions
- 4.4 Test of Hypotheses
- 4.5 Discussion of Findings
CHAPTER FIVE
SUMMARY, CONCLUSION AND RECOMMENDATION
- 5.1 Introduction
- 5.2 Summary of Findings
- 5.3 Conclusion
- 5.4 Recommendation
- 5.5 Suggestion for Further Study
REFERENCES
APPENDIX A - “QUESTIONNAIRE”
Disclaimer for Complete Material Utilization
The displayed research work titled "Problems Facing Small and Medium Scale Enterprises in Obtaining Bank Loans" is stated as a research guideline towards accomplishing your assigned project / seminar research work. All the research materials on this website are ONLY for research purposes and should be used as a guideline in developing your research work. For no reason should you copy word for word as projectlist.com.ng will not be liable for any who copied the material. By ordering the complete research guideline, it signifies that you've accepted our terms of service.
Frequently Asked Questions (FAQ)
Can this topic “Problem and Prospect of Financial Control Tool” be used for Accountancy / Accounting Project?
Yes it can be utilized for research — The subject matter of this study is problem and prospect of financial control in organisation public sector in Owerri North Imo State. A research on this topic could not be more appropriate than new since all the workers in the civil services especially those involve in government finance operations are well acquainted with financial control. Therefore, the main motive of research was to look into the financial control in public sectors organistion. Public accountability is not a new phenomenon, it is old as man in his social relational with his fellowman. There was an element of answer which illustrate stewardship of accountability in government. Moreso, in this research work secondary were used only in collecting data. This method was done by collecting the …
Can this topic “Design and Construction of (12V-to-220V) Electrical Inverter” be used for Electrical / Electronics Engineering (EE) Project?
Yes it can be utilized for research — An inverter is a system that converts a direct current to an alternating current. The study was conducted to design and construct a 12V to 220V Electrical Inverter. In achieving this aim, the following specific objectives were laid out to design an electrical system capable of producing power from a D.C battery that will produce an output which Will be used to drive electrical appliances, expose the student in electrical engineering to be able to design and build electrical / electronic circuits and introduce the principle of circuit analysis during construction of 12V to 220V Electrical Inverter. Failure in power supply has been a very big problem to mankind and this has led to man sourcing for an alternative. Back …
Is the topic “Monetary Policies as Efficient Tools” recommended for Banking and Finance (BF) Project?
Yes it is highly recommended — In all the development countries in the word, it was through their good implementation of monetary policy control that their monetary control and supply of money was well manage and implemented very well. Basic on my own view I believed that the monetary authority in our country will do better to achieved the in goal is they do not mis-led the good involve they have started. I also believed from the little that has be done since they started 1962. They have be some improvement in the system, some of this system are. The economic growth which the standard of living has been some improvement and the environment has grow. More also, the relative stability in the domestic prices and double …
Can the material for “The Extraction and Production of Essential Oil From Cashew Nuts” be used as a guide for Food Science and Technology (FT) Project?
Yes it can be used — Cashew is a multipurpose tree crop, from which almost all parts such as roots, stem, bark, leaves, apples and nuts are used. The nut is considered the most valuable product. The study was carried out to investigate the Extraction and Production of Essential Oil from Cashew Nuts. In achieving this aim, the following specific objectives were laid out to determine the physical properties of the essential oil produced and determine the chemical properties of the essential oil produced. Investigation revealed that the most important product of the cashew tree is the nut, which is used as confectionery. Cashew shell nut liquid, which is of great industrial importance, is obtained from the seed pericarp by steam distillation or extraction. The processed …
Can the material for “Design and Implementation of a Computerized System for Student Assessment of Teacher Effectiveness” be used as a guide for Computer Science (CS) Project?
Yes it can be used — Teacher rating is one of the topics which require pertinent attention by our education regulatory system. As teachers are only being rated and promoter base on their education qualification and time put into the service. The aim of the study is to design and implement a Computerized System for Student Assessment of Teacher Effectiveness using Nnamdi Azikiwe University as a case study. In achieving this aim, the following specific objectives were laid out as follows to develop an application software that will integrate an online assessment form /window for rating different teachers, decreased processing time and form errors, and display teachers records only to the student registered in the teachers’ class. The motivation the led to the implementation of the …
Can this topic “Contributions of Insurance in the Management of Risk in Nigeria Oil Industries” be used for Insurance Project?
Yes it can be utilized for research — This project is on the topic titled “The Insurance Contribution in the Management of Risk in Nigeria Oil Industry” The work is divided into five chapters. Chapter one deals with background of the study, statement of problems that led to the research work, objectives of the study the research questions, scope of the research questions, scope of the research question, scope of the research question, scope and limitations of the study, significance of the study and definition of operational terms. Chapter two covers review of related literature, historical development of the insurance, reasons for insurance business in Nigeria, type of drilling operations, various type of risk in oil industry and so on. Chapter three discusses research methodology including source of …
Can the material for “The Influence of Smart Phones and Social Networking Sites on the Academic Performance of Senior Secondary School Students” be used as a guide for Social Work Project?
Yes it can be used — The study investigated the influence of smart phones and social networking sites on the academic performance of secondary school students in Amwuwo-Odofin local government area of Lagos State. The descriptive research design was adopted for this study. Three (3) public secondary schools were selected from the list of Public Schools in Amuwo-Odofin Local Government Area of Lagos State using the Simple Random Sampling Technique. Two hundred (200) students were selected using stratified Random Sample Technique. The research instrument used was a four point modified Rennis Likert Rating Scale Questionnaire type. Five research questions were raised and five hypotheses were formulated. Data analyses was done using the descriptive statistics of frequency counts and percentages to answer research questions while the hypotheses formulated …
Can the material for “The Effect of Instructional Materials on the Learning and Teaching of Economics in Secondary Schools in Nigeria” be used as a guide for Integrated Science Education Project?
Yes it can be used — Instructional materials are the teaching aids employed by the teacher to improve the effectiveness of instruction. The study was carried out to investigate the effect of instructional materials on the learning and teaching of economics in secondary schools using some selected secondary schools in Bauchi metropolis as a case study. In achieving this aim, the following specific objectives were laid out to ascertain the extent to which Senior Secondary School students learning of Economics can be influenced by the use of instructional materials and examine the influence of instructional material utilization on the teaching of Economics in Senior Secondary Schools in Bauchi metropolis. The research design used in this report is descriptive design, utilizing questionnaire method to obtain information from …
Can the material for “The Impact of the Nigerian Deposit Corporation (NDIC) on the Operations of the Nigeria Banking Industry” be used as a guide for Banking and Finance (BF) Project?
Yes it can be used — The study is an empirical analysis of the impact of The Nigerian Deposit Insurance Corporation of the Nigerian Banking Industry. The broad objective of this study is to determine how the NDIC has aided the operations of banks. Extensive field survey and library research was carried out and data collected were subjected to thorough analysis. Questionnaires were distributed to respective respondents so as to get their views. The percentage method of data analysis was however used to analyze the data. The findings show that the supervisory function of the Nigerian Deposit Insurance Corporation is not sufficient to guarantee effective banking practices in Nigeria. The need to increase the maximum insurance coverage due to the effect of the inflation and persistent fall …
Is the topic “Influence of Child Abuse on the Academic Performance of Secondary School Students” recommended for Guidance and Counselling Project?
Yes it is highly recommended — This project work focuses on the effects of child abuse on students’ academic performance. The study attempts to unravel the causes, effects and remedies to child abuse among secondary school students in Lagos State. It was carried out in Bariga Local Government Area of Lagos State. A sample of 100 was randomly drawn from selected secondary schools in the local government and questionnaires were administered to the respondents. The mean percentage test, which was adopted in the study’s analysis, indicated that excessive battering of a child by parents/teacher/guidance; broken homes, child hawking before and after school and unconducive learning environment are all causes of child abuse. Also, it was found that child abuse negatively affects child’s school performance; such abused children …