LEASING AS A MAJOR FINANCING DEVICE FOR SMALL SCALE INDUSTRIES IN ENUGU URBAN (A CASE STUDY OF HAPEL NIG. LTD)

LEASING AS A MAJOR FINANCING DEVICE FOR SMALL SCALE INDUSTRIES IN ENUGU URBAN (A CASE STUDY OF CHAPEL NIG. LTD)

TABLE OF CONTENT

CHAPTER ONE

Introduction 1
1.1 Background of the study 1

Statement of the problem 4
Objective of the study 4
Scope of the study 5
Research questions 6
Significance of the study 7

CHAPTER TWO

Review of literature 8
2.1 Definition of small scale enterprise 8

2.2 Financing enemies for small scale enterprise 10

2.3 Concept and evolution of leasing 18

2.4 Types of leasing 21

2.5 Central bank guidelines and leasing 26

2.6 Summary of related literature 28

CHAPTER THREE

Methodology 30
3.1 Research design 30

Area of study 30
Population of the study 30
Sample and sampling procedure 31
Instrument for data collection 32
Validation of the research instruments 32
Reliability of the research instruments 33
Method of data collection 33
Method of data analysis 34

CHAPTER FOUR

Data presentation and results 35

CHAPTER FIVE

Discussion, implications, recommendations 44
5.1 Summary of findings 44

Discussion of results 45
Conclusion 50
Implications of the study 50
Recommendations 51
Suggestions for further studies 53
Limitation of the study 53
References 55

Appendix 56

LISTS OF TABLES

Table 2.1: Bank loans to small-scale enterprises as at

31st December 2000

Table 2.2 Actual lease portfolio of merchant banks loans advance

and advances mattered against central bank prescribed ceiling.

Table 4.1 Responses from the respondents on the extent of small-scale industries obtaining adequate institutional credit.

Table 4.2 Responses from the respondents on if they are aware of

the lease financing technique whereby companies can procure required plant and machinery without making an outright payment for them.

Table 4.3: Responses from the respondents on if their company

made any effort in order to finance their company through leasing.

Table 4.4: Responses from the respondents on if the use of leasing

resulted to any advantage.

Table 4.5: Response from the respondents on if their company will

be in the positive to advise other companies to resort to leasing as means of finance to their companies.

Table 4.6: Responses from respondents on whether merchant banks

help small scale enterprise in getting lease facilities.

Table 4.7: Responses from respondents on whether merchant banks helps small scale enterprise in getting lease facilities in accordance to with the central bank prescribed ceiling on lease portfolio.

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LEASING AS A MAJOR FINANCING DEVICE FOR SMALL SCALE INDUSTRIES IN ENUGU URBAN (A CASE STUDY OF HAPEL NIG. LTD)