THE EFFECT OF HIGH INTEREST RATE IN SMALL SCALE INDUSTRY

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CHAPTER ONE: INTRODUCTION
1.1 Background of the study
1.2 Statement of problem
1.3 Objective of the study
1.4 Significance of the study
1.5 Limitation of the study
1.6 Definition of terms
1.7 Reference
CHAPTER TWO: REVIEW OF THE RELATED LITERATURE
2.1 Introduction
2.2 Meaning of the small-scale industry
2.3 Government policy
2.4 Reference

CHAPTER THREE: RESEARCH DESIGN AND METHODOLOGY
3.1 Introduction
3.2 Source of data (secondary data)
3.3 Secondary data
3.4 Limitations of data
3.5 Method of data collection (Literature work)
3.6 Reference

CHAPTER FOUR: FINDINGS
4.1 Findings

CHAPTER FIVE: RECOMMENDATION AND CONCLUSION
5.1 Recommendation
5.2 Conclusion
5.3 Biography.

CHAPTER ONE

INTRODUCTION
1.1 GROUND OF THE STUDY
The successive development plan in Nigeria has laid on the attainment of self-reliance. The need for this national objective is because much is expected form individual from the viewpoint of providing employment opportunity; self-reliance is the basic for food and material production of the industrial raw materials.
But Nigeria small-scale industry continues to decline despite the so-called priority giving to this sector. However, the discoveries of the central bank must reserve a proportion of their minimum credit allocation for indigenous borrowers for small-scale enterprises. The largest prescribed in 1979 was 10%. This was subsequently raised to 16 percent in 1980 and had remained at that level till date. Even though the available data shows that the performance of the commercial against this directive have been disappointing the central bank intents to spare no effort in ensuring that bank fully comply without compromising the smooth functioning of the national banking systems.
Without the development of the small-scale industry in Nigeria, the national guest for industrialization will certainly remain at a stake. It the humble opinion of the researcher that future development in our induet4ization must address the basic issue of creating linkage within the economy to begin to produce real input to our manufacturing activities. Priority attention must therefore be giving to industry for which domestic input; could easily produce of this by automatically bringing to mind the agro-allied industry like food processing and other by-products, the objective should be to maximize the value added to them in processing and manufacturing as final goods or immediate inputs.
Empirical evidence indicate that strong producer incentive to small scale industry are necessarily o met the food requirement but also to provide growing input supplied and demand as a foundation for sustained industrial growth. The present economic constraint may well turn out to be a blessing in disguise to our industrialization effort particularly for the dynamic manufacturing sector for instance the market determined exchange rate through them with its resultant at high cost, and import input may serve as the adjustment to industrialist to intensify their search for location institution..
In the period of 1980 to 1985, loan approved for small scale project in the Nigeria bank for commerce and industry (NCB) amount to 29, 983 million for 126 projects while the Nigeria industrial development bank (NIDB) during the Same period sutured N250.7 million to the enterprise. It will be recall that all the bank participating in the national directorate of employment (NDE) have approve a total amount of N 23,353,938 (73.2%) as at the end of December 2002.
Similarly in the circular of small scale and medium scale enterprises, loan scheme release by the central bank of Nigeria in September 2005. it was reviewed that world bank have granted a loan of 270 million to the federal government for development of small sector, but of this loan, the sum of 265.7 million will be made available for on lending to small and medium scale enterprises through eligible participating bank. No doubt this will help to revitalize the economy.
1.2 STATEMENT OF THE PROBLEM

Small-scale industry like any other business can not be carried on extensively unless fund are available for maintenance and procurements of equipment in necessary input.
a. Short term credit: this is the type of credit that is used to finance yearly operation until the products and proceeds from the industry are sold. The amount, which is involved in this type of credit, is usually small. But small-scale industrialists who have little or no savings upon which to draw, they are mostly beginners and do not accurately feel lack of this credit.
b. Long-term loan: this type of credit is necessary for the acquisition of major industrial machines, improvement on the major