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

TABLE OF CONTENTS

APPROVAL PAGEii

DEDICATIONiii

CERTIFICATIONiv

ACKNOWLEDGEMENTv

TABLE OF CONTENTSvi

CHAPTER ONE1

INTRODUCTION1

1.1Background to the Study1

1.2Statement of the Problem2

1.3Objectives of the Study4

1.4Research Questions4

1.5Significance of the Study5

1.6.Scope and Limitation of the Study5

1.7Research Methodology6

1.7.1Research Design6

1.7.2Population of the Study6

1.7.3Sample Size6

1.7.4Method of Data Collection7

1.7.5Method of Data Analysis7

CHAPTER TWO8

LITERATURE REVIEW8

2.1Conceptual Framework8

2.2Overview of Small and Medium Scale Enterprises10

2.2.1Pre-Independence Historical Development (Before 1960)11

2.2.2Post-Independence (1965-1976)11

2.3Main Sources of Financing SMEs in Nigeria12

2.4The Economic and Social Importance of SMEs in Nigeria13

2.5Government’s Effort in the Development of SMES in Nigeria15

2.7Small Scale Enterprises Failure in Nigeria22

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

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

2.9Data Presentation and Analysis31

CHAPTER THREE38

SUMMARY, CONCLUSION AND RECOMMENDATION38

3.1Introduction38

3.2Summary of Finding38

3.3Conclusion39

3.4Recommendations41

REFERENCES44

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