ASSESSMENT OF THE EFFECTS OF BANKING REFORMS IN THE DEVELOPMENT OF SMALL AND MEDIUM ENTERPRISE IN KADUNA NORTH LOCAL GOVERNMENT

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ABSTRACT
This research is to critically evaluate the prospect of Nigerian banking reforms towards economic development. The reforms contribute in no small measure to the growth and development of Nigeria’s economy and this has propelled the researcher to embark on this research. The researcher divided the work into five chapters. In this research work the aims and objectives of the statement was highlighted the beneficiaries from this project the scope and problems encountered in the course of the research was also highlighted. The work of some other was reviewed, and method used in gathering the information for this research was also highlighted. The information gather so far was presented in and analyse in using statistical table and simple percentage for easy understanding. The hypothesis formulated was tested and the result proof that commercial banks play more than a significant role in economic development of Nigeria. The researcher also draw a summary, and also recommendations for further study

CHAPTER ONE
1.1 Background of the study
It is incontrovertible that the banking system is the engine of growth in any economy, given its function of financial intermediation. Through this function, banks facilitate capital formation, lubricate the production engine turbines and promote economic growth. However, banks’ ability to engender economic growth and development depends on the health, soundness and stability of the system. The need for a strong, reliable and viable banking system is underscored by the fact that the industry is one of the few sectors in which the shareholders’ fund is only a small proportion of the liabilities of the enterprise. It is, therefore, not surprising that the banking industry is one of the most regulated sectors in any economy. It is against this background that the Central Bank of Nigeria, in the maiden address of its current Governor, Prof. Charles Soludo, outlined the first phase of its banking sector reforms designed to ensure a diversified, strong and reliable banking industry. The primary objective of the reforms is to guarantee an efficient and sound financial system. The reforms are designed to enable the banking system develop the required resilience to support the economic development of the nation by efficiently performing its functions as the fulcrum of financial intermediation (Lemo, 2005). Thus, the reforms were to ensure the safety of depositors’ money, position banks to play active developmental roles in the Nigerian economy, and become major players in the sub-regional, regional and global financial markets. The key elements of the 13-point reform programme include: Minimum capital base of N25 billion with a deadline of 31st December, 2005; Consolidation of banking institutions through mergers and acquisitions; Phased withdrawal of public sector funds from banks, beginning from July, 2004; Adoption of a risk-focused and rule-based regulatory framework; Zero tolerance for weak corporate governance, misconduct and lack of transparency;

1.2 Statement of the Problem
The Nigerian banking sector witnessed dramatic growth post-consolidation. However, neither the industry nor the regulators were sufficiently prepared to sustain and monitor the sector’s explosive growth. Prevailing sentiment and economic prevailing attitude all encouraged this rapid growth, creating a blind spot to the risks building up in the system.
The following question was raised for this research work
1. Does a large and sudden capital inflow lead to Macro-economic instability?
2. Does bank consolidation lead to major failures in corporate governance at banks?
3. Are weaknesses in the business environment attributed to bank reform?