THE IMPACT OF BANK LOANS ON SMALL AND MEDIUM SCALE ENTEPRISES IN NIGERIA (A CASE STUDY OF CUSTOMERS IN UNITED BANK FOR AFRICA)
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THE IMPACT OF BANK LOANS ON SMALL AND MEDIUM SCALE ENTEPRISES IN NIGERIA (A CASE STUDY OF CUSTOMERS IN UNITED BANK FOR AFRICA)
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.
THE IMPACT OF BANK LOANS ON SMALL AND MEDIUM SCALE ENTEPRISES IN NIGERIA (A CASE STUDY OF CUSTOMERS IN UNITED BANK FOR AFRICA)
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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... accounting project topics
THE IMPACT OF BANK LOANS ON SMALL AND MEDIUM SCALE ENTEPRISES IN NIGERIA (A CASE STUDY OF CUSTOMERS IN UNITED BANK FOR AFRICA)