Banking And Finance Project MateriaLS PREVIEW

THE ROLE OF COMMERCIAL BANKS IN THE DEVELOPMENT OF SMALL – SCALE ENTERPRISES

THE ROLE OF COMMERCIAL BANKS IN THE DEVELOPMENT OF SMALL – SCALE ENTERPRISES

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ABSTRACT

In the last fifteen years Nigeria has been experiencing the most serious small – scale crisis. The first major factor that put the country’s small – scale on the tendons position was the main stay of the economy. Nigeria being among the major producer of crude oil, suffered adversely from the effects of hurt in the wide oil market. Nigeria depend on oil exportation for over 90% of its foreign exchange earning and 85% it government revenue. I also observed that if banks declare huge profit in a year, it is for the benefit of the small – scale industries since part of it is invested in preferred sector of the economy. a case in point in the natural housing funds decree of 1990 which require banks and insurance companies to invest an amount equipment to not less than 10% of their loan and advance rate. Such policy, it must be enforced should cut policy, it must be enforced cut across all sectors of small-scale industries. All these tend to imposed restrictions on banks and limit their performance.

 

 

CHAPTER ONE

  1. Introduction      –       –       –       –       –       –       –       1
  2. Statement of the General Problems    –       –       –       2
  3. Objectives of the essay       –       –       –       –       –       5
  4. Significance of the study    –       –       –       –       –       6
  5. Scope of the study     –       –       –       –       –       –       7
  6. Definition of Terms    –       –       –       –       –       –       8

CHAPTER TWO

  1. Literature Review      –       –       –       –       –       –       10

2.1    Historical background of Commercial Bank        –       21

  1. Functions of Bank in the Economy-   –       –       –       14
  2. CBN Regulation on Commercial Banks       –       –       14
  3. The Business Environment and Future Prospect –      22

 

CHAPTER THREE

3.0    Summary of finding   –       –       –       –       –       –       23

  1. Summary –       –       –       –       –       –       –       –       24
  2. Conclusion        –       –       –       –       –       –       –       26
  3. Recommendation      –       –       –       –       –       –       27

Reference:         –       –       –       –       –       –       –       32

 

CHAPTER ONE

INTRODUCTION

  1. BACKGROUND OF THE STUDY

The aims of every government is to provide its people with basic services leadership and protect the entire people’s interest within its power, for government to this, it must have a sound and adequate financial planning to make it possible to cater for the people’s needs.

To a larger extent any government which comes into power has to depend on banks and other financial institution for keeping of some of its development project so also, the government agencies and general public depends largely on loan from the banks to carry out their day to day business affairs.

Generally, the main aim of every bank is to minimize the lost of running affairs of the bank and at the same time maximize owners profit. Some bank like the Central Bank of Nigeria (CBN) and development Bank was established purposely to develop some section of the economy e.g Small Scale Business, Industry, Agriculture etc.

Therefore, this bank despite the fact that they make profit, they are not profit oriented.

Therefore this research is based on the role played by commercial banks to the promotion of small scale enterprises in Nigeria with particular interest on the role played by the first bank of Nigeria Plc at it is the oldest commercial and leading bank in the country having been in prevailing economic problems brought about by the structural adjustment programme.

 

  1. STATEMENT OF THE GENERAL PROBLEM

The banking industry plays an important role to the economy of any nation and there is no doubt, it plays an indispensable role for the development of Small Scale business.

This is not to say that they do not have lapses. Among the factors that lead to the inefficiency in the banking industry are:

  1. Financial Distress: This financial distress in Nigeria financial system is a problem that has recent assume an intractable dimension.

Bad Management: This singular