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The language of business is money, and money is the business of financial institutions. No business be it large, medium or small – scale can survive without finance, therefore. Financial institutions should try as much as possible to develop their credit policies, as they are the target sources of finance available to the small – scale enterprises. For many years the importance of small scale industries Vis – a- vis their role in the economic development of Nigeria can never be overemphasized, so their need for long – term finance increase. Inspite of the government’s effort in assisting the development and strength of small-scale industries, the assistance given by the financial institution still remains inadequate. The major problem confronting small scale industries is as a matter of fact constitute the second major sector in the Nigeria economy that bears most of the burnt of the existing gap in the Nigeria financial system. It is worth reiterating that one of the objectives of the federal and state government is to achieve socio – economic development of the goal cannot be achieve without the development of rural areas, the growth of small – scale industries in the rural areas serves as one of the main vehicle of transforming the nations and the subsequent enhancement of the socio economic growth of the state. Indeed, it has been noted that, usually in programmes of social and economic developments in the newly industrializing countries, small industries play a vital role. Small – scale industries assist the government in creation of employment opportunities, this reduces surplus labour. This tends to reduce urban influx of employment labour. This sector has facilitated rapid expansion and diversification in the industrial sector of the Nigeria economy. The sector is diversified in that not only large industries are relied upon but also small business and that the large industries fail. The small ones could be made to produce and render the service required. It is worth nothing that though these small-scale enterprises are small in nature, they have a definite function to place in our economy. For the supply of raw materials and other inputs to the large industries, small and medium enterprises all need to be unturned in the hope that they can grow into large enterprises as new ones rise up to replace them and the old ones continued in the process of economic growth and development. For an objective analysis, interview and questionnaire have been used as research instruments. The interviews were administered to some selected small – scale industrialists. On the analysis it was found out that the role of financial institution to the development of Small – scale industries in Nigeria is inadequate. Consequently, the null hypothesis is accepted. Finally, some useful recommendation as to improving the assistance of financial institutions to small-scale businesses have been advanced.


Title page






Table of contents

          CHAPTER I

1.0       Introduction

1.1    Background of the Study

1.2       Statement of the Problems

1.3       Objectives of the study

1.4       Research hypothesis/questions

1.5       Significance of the study

1.6       Scope of the study

1.7       Historical Background of Case Study

1.8       Definition of Terms


2.0    Literature review 

2.1       Organizational structure of the study

2.2       Historical Development of Nigeria Banking Sectors

2.3       Definition and Classification of Small – scale Industries

2.4       The Functions of Commercial Banks in the

Development of Small – Scale Enterprises in Nigeria

2.5       Types of financing for Small – Scale enterprises

both banking and non banking sectors

2.6       Sources of finance for small – scale enterprises

2.7       Problems of financing in small – scale industries

2.8       Capital market


3.0    Research Methodology

3.1       Introduction

3.2       Population and sample size

3.3       Sampling techniques

3.4       Sources and methods of data collection

3.5       Methods of data analysis

3.6       Justification for the choice


4.0       Data Presentation, Analysis and Interpretation

4.1    Introduction

4.2       Data Presentation

4.3       Data Analysis and Interpretation

4.4       Testing of Hypothesis/Questions and Interpretation

4.5       Summary of findings


5.0       Summary, Conclusion and Recommendation

5.1    Summary

5.2       Conclusion

5.3       Limitations of the Study

5.4       Recommendation


Appendix/Appendices   CHAPTER ONE


Banks have been accused of taking two much risk in unexpected new environments and lines of business. The advice being given is for the banks to avoid further in exposure by threatening to move tradition that will understand the activities banks, however are being charged by their shareholders to maximize holder’s wealth overtime. To achieve this goal, banks must search out for opportunity in the financial market and loan to manage risk by implementing more systematic system of risk control. At present it appears appropriate to develop specific management control mechanism for each new risk element.

The system being designed by bankers is in contrast one that allows each new form of risk to a new element in an overall analytic area of banks. This approach requires an informational environment that enables risk managers to analyze all of the risk inherent in a given transaction.


The aim of this project writing is to bring out the way in which liquidity asset is managed in Nigeria banks. Most especially first bank Yabubu Gowon Way Kaduna is my case study and the kind of services offered by first banks in the management of liquidity.

The banks engaged in the business of providing adequate service, which are:

    i.        Universal banking services to corporate bodies

  ii.        Loans and advances to its customer

iii.        Leases.

 iv.        Investment Banking services

   v.        Financial Advisory services to corporate bodies

 vi.        Foreign exchange services.  


First bank Nigeria Plc is expected like all other banks to provide quick and efficient services to both customers and interested parties. The banks should know the value of time and try as much as possible to serve its customers in the shortest possible time. This is because, the customers are the business of the bank and that is why they are regarded as assets of the cast and other valuable things deposited to them by its customers. This why each and every paper in the bank is considered as money because it talks about it. One of the functions of banks is to grant loan to customer, so as to assist them to undertake various projects for the development of economic activities in the country. In this aspect both the customers and the bank have the same aim that is to make profit. In other words, to achieve this aims the bank and customers have to perform their duties for the smooth running of the system. In most cases the two side always make things difficult for one another on the part of the honest and firm so as allow the bank form a good reputation and develop good banker – customer relationship.

On the other hand the banking industry is expected under normal circumstances to bring out its activities not only efficiently but also accurately. But this is almost apposite and has led to in looking at the problems of the customers in the banks, it can be seen that the blame is on both sides. Some of these problems are

    i.        Opening Account: Accounts are opened by the procedure laid down by the customer who thinks it’s a waste of time don’t know that the banks has to be careful on this sensitive issue. When opening the account that all necessary data is collected from the customer which is be used in payment and all other future transaction.

  ii.        Cash Withdrawal: In this, banker has to satisfy himself with the validity of the charges or withdrawal slip (in case of saving account). This can take time which the customer may fee he/she is wasting time. Since it is the duty of the bank is to safe guard all cash under its custody satisfaction is very much necessary.

iii.        Obtaining Loan from the Bank: It is clean principle and natural justices that loan should only by granted with security and the security has to be sufficient enough to cover the debt. In most cases customer ignores the 


The purpose of this study is to efficiently and liquidity can be evaluated efficiently and effectively in Nigerian banks in order to guide against bankruptcy: It is also aimed at affecting a concrete control to consumer borrowing of limited resources available to the banks in order to guide against bankruptcy.

It is also aimed at affecting a concrete control to customer borrowing from the bank and efficient management of limited resources available to the bank the management and control.

                    i.        From the bank to other parties at the request of customer.

                  ii.        From customers to the banks

                iii.        From the bank to the customers

                 iv.        To and from other banks including the central bank of Nigeria.


As a starting point for the research work the following hypothesis were developed.

Ho: Evaluation of liquidity management in Nigerian banks has always been without problems.

Hi: Evaluation of liquidity management in Nigerian banks has not always been without problems.


The purpose of this research work is to accomplish the following.

            i.        To ascertain the level of risk in liquidity assets management and how such risk could be eradicated. This project hopefully would be beneficial to the management of First Bank Plc, as well as other Nigerian banks

          ii.        To partially fulfill the requirement for the award of national diploma in accountancy

        iii.        This project will serve as a basis for further research on this topic


All banks and other financial institutional deal in liquidity hence managing liquidity: however this study will concentrate on how Nigeria banks managed liquidity with particular emphasis on first bank Plc. Yakubu Gowon way branch as a case study.

      i.        Uneasy access to the bank relevant document

    ii.        Insufficient time due to short period available for the study and during the project writing. 

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