THE IMPACT OF BANK LOANS ON SMALL AND MEDIUM SCALE ENTERPRISES IN NIGERIA
ABSTRACT
Small and Medium enterprises are the catalyst for economic growth in most economies thus, the fundamental objective of this study is to investigate the impact of loans on Small and Medium Enterprises (SMEs) in Nigeria. So that the ability of SMEs to develop positively and drive economic growth in the Nigeria will become real. Simple random sampling technique was employed in selecting the 100 SMEs that constituted the sample size of the research. Structured questionnaire was designed to facilitate the acquisition of relevant data which was used for analysis. Descriptive statistics which involves simple percentage graphical charts and illustrations was tactically applied in data presentations and analysis.
The findings of the study reveal that significant number of the SMEs benefitted from the loans even though only few of them were capable enough to secure the required amount needed. Interestingly, majority of the SMEs acknowledge positive contributions of loans towards increasing their returns and sales thus placing them in the competitive arena. It is recommended that Banks should review their interest rate downwards and also share best practices with their SME customers especially on the efficient use of loans; this will boost their productivity and support SMEs in Nigeria.
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
The Impact of Bank Loans on Small and Medium Scale Enterprises in Nigeria 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 "The Impact of Bank Loans on Small and Medium Scale Enterprises in Nigeria" 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 "The Impact of Bank Loans on Small and Medium Scale Enterprises in Nigeria" 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 “Mother’s Perspectives of Female Genital Mutilation” be used for Nursing (Science) Project?
Yes it can be utilized for research — The study was carried out to find out mothers perspectives on female genital mutilation (FGM) among the Agbarho Community in Delta State, Nigeria. The aim of the study can be used in utilizing the research result when planning education programs in preventing female genital mutilation. The research was carried out in co-operation with a local village which is situated in Agbarho Community. Qualitative method was used to implement this study. Data was collected by interviewing four mother´s aged between 20-35 years of age, who had young daughters. The data collected was analyzed by using content analysis. The results of this study revealed that the mothers interviewed have good knowledge about the effects of female genital mutilation in general and the risks involved …
Can the material for “The Significance of ICT in Effective Teaching and Learning of Integrated Science in JSS” be used as a guide for Integrated Science Project?
Yes it can be used — The study investigates the significance of information and communication technology (ICT) in effective teaching and learning of integrated science in JSS schools in Enugu, North local Government area. In achieving this aim, the following specific objectives were laid out as follows to: examine the ICT facilities adopted in the teaching and learning of integrated science as the junior secondary school level, find out if ICT provides access to teaching aids for teaching and learning of integrated science, find out if ICT provides proper management of large number of students in teaching and learning of integrated science, investigate if ICT promotes independent studies among students in teaching learning of integrated science, and find out if ICT increases students performances in teaching …
Can the material for “Effect of Point of Sales (POS) on the Growth of other Banking Sector” be used as a guide for Banking and Finance (BF) Project?
Yes it can be used — Point of sale (POS) refers to the place where a customer executes the payment for goods or services and where sales taxes may become payable. It can be in a physical store, where POS terminals and systems are used to process card payments or a virtual sales point such as a computer or mobile electronic device. The study was carried out to investigate the Effect of Point of Sales (POS) on the Growth of other Banking Sector using Jalingo Metropolis, Taraba State as a case study. In achieving this aim, the following specific objectives were laid out to assess the effectiveness of the implementation of POS payment system in Jalingo Metropolis, identify perceived obstacles inherent with the implementation of POS …
Can this topic “The Effect of Parents Motivation on the Academic Performance of Secondary School Students” be used for Education Project?
Yes it can be utilized for research — This study was aimed at investigating the effects of parents’ motivation and the academic performance of senior secondary school student. . To guide the study, four objectives of the study,four research questions and four research hypotheses were formulated. In conducting this research, survey research setting was adopted to enable the researcher to collect data from primary source using a quantitative method from a pool of respondents in the stipulated sample size, as data will be coded and inputted for computation and used to analyse the hypothesis for testing and validation. The population of the study consists five senior Secondary students in yaba local government areas in Yaba Education Zone. The five secondary schools in the zone have a population of two …
Can this topic “Port Harcourt Residents Perception of the Social Media Report 2019 Elections Result” be used for Political Science Project?
Yes it can be utilized for research — Social media is recognized as a tool of mass education whether constructive or destructive. Its use has been greatly appreciated on different platforms. This study on the perception of Port Harcourt Residents of the Social Media Report on the 2019 elections. The study reviewed related literatures bordering on social media and recognized several scholars. The survey method was adopted and the instrument of questionnaire used. The study found out that the residents of port Harcourt perceived the 2019 Presidential election result was rigged as judging from the results available at several social media handles. …
Can the material for “Web Based Appraisal System for Rapido Foods” be used as a guide for Computer Science (CS) Project?
Yes it can be used — Appraisal system is an annual process done in Rapido Foods Limited, Owerri Imo State, to know the performance of the staff and productivity in relation to certain criteria and departmental objectives and also to document and evaluate the performance of the staff. Every year staff keeps looking for their appraisal records for the previous years, high cost of acquiring papers and other stationeries for keeping these records, lack of good security for the records to prevent unauthorized access, are the problems or challenges facing the current system of appraising staff of Rapido Foods. The aim of the study is to develop an online software that will have the capacity to effectively manage information, create room for easy retrieval of information, …
Can the material for “Effects of Globalization on Industrial Relations Practice” be used as a guide for Industrial Relations Project?
Yes it can be used — This study tends to examine the Effects of Globalization on Industrial Relations Practice with special reference to John Holt Plc. To achieving this, related literature was cited on Globalization. Descriptive research design approach was employed for the research design and a simple random sampling technique was used in selection of respondents. A sample of Thirty-Five (35) respondents was selected from the population study. Fifty (35) questionnaires were administered to the staff of John Holt Plc. The research instrument used are the questionnaire, frequency distribution; percentage and chi-square were methods of data analysis used for the study. The three research hypotheses tested resulted to reject the null hypotheses and concluding that Globalization has effects on industrial Relations Practice, Globalization brings about industrial stability, growth and development. …
Can the material for “Production of Black and Brown Polish” be used as a guide for Chemical Engineering Project?
Yes it can be used — The study was carried out to determine the production process of Black and Brown Polish. For clearity, polish is a substance rubbed on the surface of materials to make them smooth and shiny. Polish has being of immense importance in protecting leather surfaces and enhancing their beauty. To produce a standard polish, hard waxes such as carnduba wax, candelhla wax and palm wax; semi-hard waxes which include paraffin wax and ozokerite; solvents like tupentine and naphtha; dyes and dryers are essential. In this research project, paraffin wax, turpentine; paraffin oil. Cobalt and lead dryers, vanish, black and brown pigments were used to obtain the desired result. Investigation revealed that coverage and gloss or surface shine produced by the trial formulations. They …
Can the material for “The Mode of Entry Into the University and the Students’ Academic Performance” be used as a guide for Education Project?
Yes it can be used — The study attempted to examine the mode of entry into the university and students’ academic performance at University of Lagos, Akoka, Lagos. In this study, the literature was reviewed in sub headings. The descriptive research survey was applied in the assessment of the students’ opinions with the use of the questionnaire, and the sampling technique. A total of 200 (two hundred) respondents were selected and used for information gathering in this study to represent the entire population of this study. A total of four (4) null hypotheses were formulated, and tested using the Pearson Product Correlational coefficient statistical tool at 0:05 for hypothesis one, while hypothesis two, three and four were tested using the independent t-test statistical tool at 0.05 …
Is the topic “Incidence and prevalence of gastroenteritis among underfive years children” recommended for Midwifery Project?
Yes it is highly recommended — Gastroenteritis is an illness triggered by the infection and inflammation of the digestive system. Typical symptoms include abdominal cramps, diarrhoea and vomiting. The aims of this study were to determine the prevalence of gastroenteritis among under 5-year-old children in Ojoto, Idemili South Local Government Area of Anambra State. In achieving this aim, the following specific objectives were laid out to determine the impact of gastroenteritis on daily activities of child and caregiver, examine the prevalence of gastroenteritis among under 5-year-old children in Ojoto, and investigate the incidence of gastroenteritis among under 5-year-old children in Ojoto. Investigation revealed the main complication of gastroenteritis is dehydration, but this can be prevented if the fluid lost in vomit and diarrhoea is replaced. A …