PROBLEMS FACING SMALL AND MEDIUM SCALE ENTERPRISES IN OBTAINING BANK LOANS (A CASE STUDY OF UNION BANK OF NIGERIA PLC OGUI ROAD ENUGU)

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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.

TABLE OF CONTENTS

TITLE PAGE

APPROVAL PAGE

DEDICATION

ACKNOWLEDGEMENT

ABSTRACT

TABLE OF CONTENT

LIST OF TABLE

CHAPTER ONE

INTRODUCTION

1.1 Background of the Study

1.2 Statement of Problems

1.3 Objectives of Study

1.4 Scope of Delimitation of the Study

1.5 Research Questions

1.6 Hypothesis

1.7 Significance of the Study

References

CHAPTER TWO

LITERATURE REVIEW

2.1 Overview of the Problem

2.2 Nature of Small and Medium Scale Enterprises

2.3 Role of Small and Medium Scale Enterprises

2.3.1 Employment Generation

2.3.2 Poverty Eradication

2.3.3 Improved Income Distribution and Fulfilment of Basic Need

2.3.4 Problem confronting small and medium scale enterprises

2.5 Source of fund available to small and medium scale enterprises

2.5.1 External Sources of Fund/Finance

2.6 Loan Application

2.7 Government efforts towards finding of small and medium scale enterprises

2.8 Summary of review of related literature

References

CHAPTER THREE

RESEARCH DESIGN AND METHODOLOGY

3.1 Design of the Study

3.2 Areas of the Study

3.3 Population of the Study

3.4 Sample and sampling procedure

3.5 Instrument of Data Collection

3.6 Validation of the Instrument

3.7 Reliability of the Instrument

3.8 Method of Data Collection

3.9 Method of Data Analysis

CHAPTER FOUR

PRESENTATION, ANALYSIS AND INTERPRETATION OF DATA

Summary of Result/Findings

CHAPTER FIVE

SUMMARY OF FINDINGS, CONCLUSION AND RECOMMENDATIONS

5.1 Summary of Findings

5.2 Conclusion

5.3 Recommendations

Bibliography

Appendix I

Appendix II

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PROBLEMS FACING SMALL AND MEDIUM SCALE ENTERPRISES IN OBTAINING BANK LOANS (A CASE STUDY OF UNION BANK OF NIGERIA PLC OGUI ROAD ENUGU)

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