COMMERCIAL BANK – ROLE IN FINANCING SMALL SCALE INDUSTRIES IN NIGERIA

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ABSTRACT
This study is aimed at finding out the role commercial banks play over the small scale industries and the problem the small scale industries encounter.
This study, has been divided into five (s) chapters thus:.
Chapter one is the introduction, sitting out the background of the study. The researcher highlighted that the performance of small scale industries are financed by commercial banks and other financial institutions. This study is of paramount importance because it help s to discover the problems facing the small scale industries in the course of financing themselves.
Chapter two is a review of related literatures, it started by the definition of the small scale industries, the definition of the small scale industries, the financial institution involved, assistance provided by commercial banks to small scale industries, government policies for promoting small and medium scale industries etc.
Chapter three decals with the research design and methodology employed in the study. Here data were collected from secondary sources.
Chapter four, the research state the finding or result collected in the course of this research work.
Finally, Chapter five state the conclusion and recommendation of this study.

TABLE OF CONTENT
CHAPTER ONE
1. 0 introduction 1
1.1 Background of the study 1
1.2 Statement of the problem 3
1.3 Purpose i objectives of the study 4
1.4 Significances of the study 6
1.5 Limitation of the study 6
CHAPTER TWO
2.0 Review of related literature 8
2.1 Meaning of small scale industry 8
2.2 Financial institution involves in
development of small scales 11
2.3 Assistance provided by commercial
banks to small scale industries 19
2.4 Government policies fort promoting small
and medium scale industries 23
2.5 Government roles in encouraging small industries 26
2.6 The effect of government policy on
small scale enterprises 28
2.7 Problems of small scale and medium
scale enterprises in Nigeria 30
CHAPTER THREE
3.0 Research design and methodology 33
3.1 Source of data 33
3.2 Location of data 33
3.3 Methods of data collection 34
CHAPTER FOUR
4.0 Findings 35
CHAPTER FIVE
5.0 Conclusion and recommendation 37
5.1 Conclusion 37
5.2 Recommendation 38
Bibliography 43
Appendix 47
CHAPTER ONE
INTRODUCTION
1.1 BACKGROUND OF THE STUDY
The concept of dependent has occupied a central place in the economic development over the year, basically as a manifestation of the various attempts by the developing world to chart new economic strategies which would reliever them of economic dependence on their former colonial master in Europe. Today the concept of dependent continues to be misunderstood in its fundamental ramifications and has remained difficult in large sections of the developing world. In Nigeria, neither the mixed economy approach, appeal to have responds to the dictates of economies dependent.
However, in pursuit of dependent in the developing world like Nigeria, the central government enacted a decree called “enterprises promotion decree”. When there was a need for small scale enterprises, owned and managed by Nigeria to be promoted. The importance of small enterprises in the promotion of economic development has always been at the forefront of the development strategies. Many developing countries have failed to adopt this strategy owing to their belief that it is a relatively slow process of industrialization. But in the recent times due to the scarcity of foreign exchange, attention has began to be focused once again on development of ingenious. Without the development of small scale industries in Nigeria, the Nations request fort industrialization will certainly remain forever at a state.
Furthermore, several financial institutions are invested in entrepreneurship development in Nigeria in ways. Some of them are set up by the gove3rnment for specific functions, there main functions are to provide findings, relief from financial consequences of uncertainty, and advisory services for business enterprises, public and private. The government plays the role of financial companies.
Some of these institution include: Nigerian Bank for commerce and industry (NBCI) Nigerian Agricultural and development Bank (NDB), peoples bank of Nigerian (PBN), the commercial sourcing for fund and enough funds cannot be mobilized from friend and relations, the next things that comes to mind is to try the banks. The commercial banks for instance, is the center of the leading market and makes the greatest number and varity of loans. The commercial banks are very conservative in lending. The commercial banks look at many things apart from the ability of entrepreneur to provide the needed collateral and may be interested by looking at the feasibility report, the experience of the entrepreneur, his personal credit records, profit potentials.
More so, Apart from the banks, financial institution like the insurance companies provide relief from financial loss and especially from fear of loss is perhaps is one of the fastest growing melustries in Nigeria. It is the important for the entrepreneur who want to be free from the uncertain loss in threat of loss to have adequate insurance.
Finally, the role of banks in the development of small scale enterprises cannot be over emphasized due to the role it plays in the country over the small scale industries.
1.2 STATEMENT OF THE PROBLEM
Some financial institution in Nigerian are involved in entrepreneurship development in many ways. Some of them are set up by the government for specific function while others are set up by private organization. They provide funding, relief from financial consequences uncertainty and advisory services for business enterprises etc. Stile on this, there is problem of development in small scale industries. Why is it that our small scale industries are not yet developed despite all the functions performed by financial institutions in Nigeria. Could it be that the credit granting for entrepreneurship developments from banks are not adequate for funding them. The answer to this question will come in the subsequent chapter of this research