BUSINESS CREDIT AVAILABILITY AND ITS EFFECT ON SMALL AND MEDIUM SCALE ENTERPRISES IN NIGERIA

TABLE OF CONTENTS

APPROVAL PAGE ii

DEDICATION iii

CERTIFICATION iv

ACKNOWLEDGEMENT v

TABLE OF CONTENTS vi

CHAPTER ONE 1

INTRODUCTION 1

1.1 Background to the Study 1

1.2 Statement of the Problem 2

1.3 Objectives of the Study 4

1.4 Research Questions 4

1.5 Significance of the Study 5

1.6. Scope and Limitation of the Study 5

1.7 Research Methodology 6

1.7.1 Research Design 6

1.7.2 Population of the Study 6

1.7.3 Sample Size 6

1.7.4 Method of Data Collection 7

1.7.5 Method of Data Analysis 7

CHAPTER TWO 8

LITERATURE REVIEW 8

2.1 Conceptual Framework 8

2.2 Overview of Small and Medium Scale Enterprises 10

2.2.1 Pre-Independence Historical Development (Before 1960) 11

2.2.2 Post-Independence (1965-1976) 11

2.3 Main Sources of Financing SMEs in Nigeria 12

2.4 The Economic and Social Importance of SMEs in Nigeria 13

2.5 Government’s Effort in the Development of SMES in Nigeria 15

2.7 Small Scale Enterprises Failure in Nigeria 22

2.8 Small and Medium Industries Equity Investment Scheme (SMIEIS) 27

2.8.1 The Factors Militating Against Accessing the SMEEIS Funds by SMEs in Nigeria. 29

2.9 Data Presentation and Analysis 31

CHAPTER THREE 38

SUMMARY, CONCLUSION AND RECOMMENDATION 38

3.1 Introduction 38

3.2 Summary of Finding 38

3.3 Conclusion 39

3.4 Recommendations 41

REFERENCES 44

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