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 (2) 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
