THE UNIQUENESS AND IMPACT OF COMMERCIAL BANK LENDING ON THE GROWTH OF SMALL-SCALE INDUSTRIES (A CASE STUDY OF LINGAZ VENTURE AND MIND GLASS)
ABSTRACT
This work desires because of the need to know the importance of impact of Commercial Bank lending to small-scale industries both internal and external. The chapters one of this works lead us to the introduction of this work, the definition of small—scale and its instruments. They role the play and the Commercial lending securities. The chapter two led us to the definitions of the term used by small-scale industries in borrowing from the Commercial Banks The chapter three talks about the techniques use small scale industries and how the techniques are being carried out. The chapter four of this topic is talking about the presentation and analyzing of data i.e. (how small-scale industries are presented in the society and how people react to it whether positive or negative while the chapter five is all about summary, conclusion and recommendations.
TABLE OF CONTENTS
Title Page – – – – – – – – i
Approval Page – – – – – – – ii
Dedication – – – – – – – iii
Acknowledgement – – – – – – iv
Abstract – – – – – – – – v
Table of Contents – – – – – – vi
CHAPTER ONE
1.0 introduction – – – – – – 1-2
1.1 back ground of the study – – – – 2-3
1.2 statement of research – – – – 4
1.3 objective of the study – – – — 5
1.4 research question – – – – – 6
1.5 significance of study – – – – – 6-7
1.6 Scope of Study – – – – – – 7
1.7 Limitation of the Study – – – – 8
1.8 Definition of the Study – – – – 8-9
CHAPTER TWO
2.0 Literature Review – – – – – 10
2.1 Introduction – – – – – – 11-13
2.1 The Concept of Small-Scale Industry – – 13
2.2 Objective of Small-Scale Industries – – 14
2.3 source of funding for small scale industry – 15-16
2.4 The uniqueness of commercial bank lending 16-17
2.5 impact of commercial bank lending – – 17-18
2.6 forms of bank lending – – – – 18
CHAPTER THREE
3.0 Research Methodology – – – – 19
3.1 Introduction – – – – – – 19
3.2 Research Design – – – – – 20
3.3 Sources/Method of Data Collection – – 20-23
3.4 population and sample size – – – 23
3.5 sample techniques – – – – – 24
3.6 validity and reliability of measuring instrument 25
3.7 Method of Data Analysis – – – – 25
CHAPTER FOUR
4.0 Presentation of Data and Analysis of Data – 26
4.1 Introduction – – – – – – 26
4.2 Data Presentation – – – – – 27-32
4.3 Analysis of Data
4.4 Interpretation of Results – – – – 32-34
CHAPTER FIVE
5.0 Summary, Conclusion and Recommendations 35
5.1 Summary Findings – – – – – 35
5.2 Conclusion – – – – – – – 36-37
5.3 Recommendations – – – – – 37-38
References – – – – – — – 39-40
Questionnaire – – – – – – – 41-42
CHAPTER ONE
10 INTRODUCTIONS
From observation, I have come to the understanding of one general thing in mind set of people (i.e.) whenever the word “small” is mention, the minds of people race to something or a picture not big, less important, not up to standard in nature. This is the same in business, once small scale industry is being mention; people looked down on it, yet forget to understand that every big thing starts small.
However, studies of modern economics have shown that it is difficult to maintain a balance and sustainable economic growth by depending only on large business organization. Small and large businesses are known to contribute significantly in building a solid and vital economic base in both developed and developing countries. Over the years, studies of management have often concentrated on large organization with strict formed and impersonal relationship. The reason for this obviously includes the high prevalent risk resulting from huge capital investment and large-scale operation. In Nigeria, the term small-scale business has got several definitions. The reason is that different countries are at different level of developrnient, operating within different economic conditions.
According to bank of Commerce and Industry (NBC), small-scale business is a firm whose assets does not exceed N750,000.OO, while Central Bank of Nigeria defines small-scale enterprise as a firm whose assets does not exceed N 25 Million annually. Therefore, we will examine the uniqueness and the level of Commercial Bank credit to small-scale industries, and then find out how adequate this credit has been in solving the financial problems of small-scale industries.
BACKGROUND OF STUDY
Osubor and Okafor (2006) a Commercial Bank may be defined as a financial institution which deals in money and credit and which some of which are repayable on demand by cheques. Commercial Banks are limited habitability companies established for profit as owned by shareholders. Commercial banks are the nations most important financial institution. They are unique on the performance of service and are distinguished.
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