THE CONTRIBUTIONS OF UNITED BANK FOR AFRICA TO THE DEVELOPMENT OF SMALL SCALE ENTERPRISES IN KADUNA STATE

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ABSTRACT

This study focuses on the contribution of Untied Bank for Africa to the Development of Small Scale Enterprises. It aims at evaluating the contribution of United Banks in financing small scale businesses, identifying challenges of accessing bank loans as well as possible factors hindering implementation of credit policies by banks. To achieve this, the survey research design was adopted with oral interviews and questionnaires to elicit responses. The simple percentages and chi – square (c²) test statistics were used in analyzing the data and determining the tenability of the hypotheses formulated. Unaffordable terms of capital, challenges in accessing bank loans and advances and factors hindering implementation of credit policies were found to be more challenging, the researcher recommends that banks should make available capital an affordable terms ensure regular routine check on businesses, educate entrepreneurs through managerial workshops and government should enforce implementation of credit to policy to boost the development of small businesses.

 

TABLE OF CONTENTS

Title Page  –         –         –         –         –         –         –         –         –         –         i

Declaration         –         –         –         –         –         –         –         –         –         ii

Approval Page    –         –         –         –         –         –         –         –         –         iii

Dedication –         –         –         –         –         –         –         –         –         –         iv

Acknowledgment         –         –         –         –         –         –         –         –         v

Abstract     –         –         –         –         –         –         –         –         –         –         vii

Table of Contents        –         –         –         –         –         –         –         –          viii

CHAPTER ONE: INTRODUCTION

1.1     Background of the study       –         –         –         –         –         –         1

1.2     Statement of the Problem    –         –         –         –         –         –         2

1.3     Objectives of the Study         –         –         –         –         –         –         3

1.4     Significance of the Study      –         –         –         –         –         –         3

1.5     Research Questions     –         –         –         –         –         –         –         4

1.5.1  Statement of Hypotheses     –         –         –         –         –         –         5

1.6     Scope of the Study       –         –         –         –         –         –         –         5

1.7     Limitation of the Study         –         –         –         –         –         –         6

CHAPTER TWO: LITERATURE REVIEW

2.1     Introduction        –         –         –         –         –         –         –         –         7

2.2     Definition of Small Scale Enterprises    –         –         –         –         7

2.3     Benefits of Small Businesses        –         –         –         –         –         10

2.4     Problems and Challenges of Small Scale Businesses        –         11

2.5     Financing Small Scale Enterprises         –         –         –         –         14

2.6     Definition of Bank       –         –         –         –         –         –         –         19

2.7     Roles of Banks in the Development of Small Scale Business    21

2.8     Summary of the Review        –         –         –         –         –         –         22

 

CHAPTER THREE: RESEARCH METHODOLOGY

3.1     Introduction        –         –         –         –         –         –         –         –         24

3.2     Research Design          –         –         –         –         –         –         –         24

3.3     Area of the Study         –         –         –         –         –         –         –         24

3.4     Population of the Study        –         –         –         –         –         –         25

3.5     Sample Size and Sampling Technique   –         –         –         –         25

3.6     Instrument of Data Collection       –         –         –         –         –         25

3.7     Validation of Instrument      –         –         –         –         –         –         26

3.8     Reliability of Instrument      –         –         –         –         –         –         26

3.9     Method of Data Collection   –         –         –         –         –         –         27

3.10   Method of Data Analysis      –         –         –         –         –         –         27

CHAPTER FOUR: DATA PRESENTATION AND ANALYSIS

4.1     Introduction        –         –         –         –         –         –         –         –         29

4.2     Characteristics of the Respondents        –         –         –         –         29

4.3     Data Presentation and Analysis   –         –         –         –         –         30

4.4     Testing of Hypothesis –         –         –         –         –         –         –         33

4.5     Summary of Findings  –         –         –         –         –         –         –         36

4.6     Discussion of Findings          –         –         –         –         –         –         36

CHAPTER FIVE: SUMMARY, CONCLUSION AND RECOMMENDATION

5.1     Summary   –         –         –         –         –         –         –         –         –         39

5.2     Conclusion –         –         –         –         –         –         –         –         –         41

5.3     Recommendations       –         –         –         –         –         –         –         42

5.4     Suggestion for Further Study        –         –         –         –         –         43

Bibliography       –         –         –         –         –         –         –         –         44

Appendix I –         –         –         –         –         –         –         –         –         46

Appendix II         –         –         –         –         –         –         –         –         47

 

CHAPTER ONE

INTRODUCTION

 

1.1     Background of the Study

In both developed and developing countries, the small scale industry is seen as the vehicle for rapid industrialization, sustainable economic growth and development, poverty alleviation as well as the seed bed of innovation and employment generation. It goes without saying therefore, that small scale enterprises have the potential of becoming the engine of the economic growth in any country (http://www.snbd.com, July 8 2010).

 

Because of this paramount importance of small scale businesses, there has been a pressing need for the involvement of banks in financing its development in Nigeria and Kaduna in particular. This is due to the fact that banks loans constitute the most important source of institutional financing for both start-up and growing enterprises.

It is the realization of this fact that made the government to establish various schemes and programmers in the past to enhance credit availability to small scale enterprise in Nigeria. In recent time now however, the Nigeria bankers committee in 1999, approved the scheme requiring all banks in Nigeria to set aside 10 percent of their profit before Tax (PBT) for equity development in small scale and medium scale industry.

 

Despite these measures, many small scale businesses with economic potentials for growth often fail and close down due to lack of funds, insufficient working capital, lack of managerial experience and skilled labor, poor accounting records as well as lack of infrastructural facilities (central Bank of Nigeria: the billon, October/December 2004:58-b5)

 

Thus, how banks have contributed to improving the aforementioned challenges and the expectations, regarding the development of small scale enterprise in Kaduna are the issues discusses in research work.

 

1.2     Statement of the Problem

Although the small scale enterprise is regarded as the bedrock of industrialization of an economy, attempts made by many entrepreneurs to start and operate them have met with high percentage of failures, lack of fund and insufficient working capital have identified as some of the cause of such failures. The study therefore seeks to answer such questions as; have banks been able to make available capital on affordable terms to small scale enterprise? What measures have been put in place to ensure that such funds are effectively used by enterprises? Does small scale enterprise actually have easy access to