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FINANCING SMALL AND MEDIUM ENTERPRISES FOR ECONOMIC
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FINANCING SMALL AND MEDIUM ENTERPRISES FOR ECONOMIC GROWTH A STUDY OF MICROFINANCE BANKS IN SOKOTO METROPOLIS
TABLE OF CONTENTS
Title page i
Approval page ii
Dedication iii
Acknowledgement iv
Table of contents v
CHAPTER ONE: GENERAL INTRODUCTION
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Background of the Study 1
- Statement of Research Problem 2
- Objective of the Study 3
- Research Hypotheses 3
- Significance of the Study 4
- Scope of the Study 5
- Chapter Scheme 5
CHAPTER TWO: LITERATURE REVIEW
-
Introduction 7
- Definition of Small and Medium Enterprises 7
- Small and Medium Enterprises and access to finance 11
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Sources of Financing Small and Medium Enterprises in Nigeria 12
- Bank Overdraft (Bank Draft) 13
- Venture Capital or Risk Capital 17
- Rotating Savings and Credit Associations (ROSCA) 19
- Small and Medium Enterprises Equity Investment
Schemes (SMEEIS) 21
- The Central Bank of Nigeria Agricultural Credit
Guarantee Scheme 24
- Challenges of Small and Medium Enterprises Financing 25
CHAPTER THREE: RESEARCH METHODOLOGY
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Introduction 28
- Sample and Sampling Techniques 29
- Data Collection Method 29
- Data Analysis Techniques 30
CHAPTER FOUR: DATA PRESENTATION AND ANALYSIS
-
Introduction 31
- Data Presentation and Analysis 31
CHAPTER FIVE: SUMMARY, FUNDINGS, CONCLUSION AND RECOMMENDATIONS
| 5.1 | Introduction | 46 |
| 5.2 | Summary | 46 |
- Findings and Conclusion 47
Bibliography 51
Appendix 53
1.1 BACKGROUND OF THE STUDY
Small and Medium Scale Enterprises (SMEs) are the backbone of every economy and are key source of economic growth, dynamism and flexibility in advanced industrialized countries, as well as in emerging and developing economies. SMEs constitute the dominant form of business organization, accounting for over 95% and up to 99% of enterprises depending on the country (Osagie 2004:25). They are responsible for between 60-70% net job creations in less-developed or developing countries.
While not every small business turns into a multinational, they all face the same issue in their early days – finding the money to enable them to start and build up the business. It is harder for them to borrow money from banks or finding private investors than for larger firms.
Microfinance institutions are semi-formal organization and a subset of flexible structure and systems which provide a wide range of financial and saving needs of small scale enterprises in developing countries where top-town formal financial institutions have failed to address the credit need of the real sector of the economy.
Hence, the intention of this research is to undertake a survey of financing options for small and medium scale enterprises in Sokoto State.
FINANCING SMALL AND MEDIUM ENTERPRISES FOR ECONOMIC GROWTH A STUDY OF MICROFINANCE BANKS IN SOKOTO METROPOLIS
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