ABSTRACT

In view of the importance of SMEs, government has been playing an appreciative role in promoting their survival and growth, various policies towards this has enunciated plan and the ongoing three year rolling plan, priority was accorded industrialization with emphasis on SMEs.

Thus, it has been stated that the panacea for solving the problem of stunted economic growth of developing countries often reside in the adequate funding and development of the Small and Medium Scale Enterprises (SMEs).

Analyst have therefore continued to posit that Nigeria will continue to, remain in a state of underdevelopment unless concerted efforts are made to achieve growth in the SMEs .because the lack of development in this sector has 'continued to keep the Nigerian economy, in the woods. One of the major impediments to the growth and development of this sub-sector is lack of adequate finding.

The survey research design was employed in this study and the questionnaire was the main research instrument. A total of 50 respondents make up the sample size of the study. Thus various statistical tools were used to analyze the data collected. A statistical tool used was mean and standard deviation. Hence the finding of the study shows that the rationale for promoting SMEs has given as their ability to make efficient use of resource employment, mobilize domestic savings for investment and it is recommended that: The government in conjunction with banks and professional associations should help the business to sign post the path to improved methods of marketing.

TABLE OF CONTENT

CHAPTER ONE

1.1       Background to the Study

1.2       Statement of Problems

1.3      Objectives of Study

1.4       Research questions

1.5       Research Hypothesis

1.6      Significance of Study

1.7       Scope and Limitation Of Study

1.8       Research Methodology

1.9       Definitions of Terms

1.10     Summary of Subsequent Chapters

CHAPTER TWO: LITERATURE REVIEW

2.0       Introduction

2.1       Conceptual Clarifications

2.2       Banking Sector Reforms

2.3       Post - Banking Sector Consolidation

2.4       Nigerian Banks and the Problem of Financing Smes

2.5       Government Involvement .In Development of Small and Medium Scale Enterprises

2.6       Definition of Small and Medium Scale Enterprises

2.7       Government Agencies as Source of Finance

2.8       Survival Strategies for Small Scale Business in Nigeria

2.9       Sources of Finance and Funding Of Small and Medium Scale Enterprises in Nigeria

2.10     The Role of Banks in Providing Debt Finance to SMES

2.11     Survival Strategies for Small Scale Business in Nigeria

CHAPTER THREE: RESEARCH METHODOLOGY

3.1       Introduction

3.2        Research Design

3.3       Re-Statement of Research Questions

3.4       Re-Statement of Research Hypothesis

3.5       Characteristics of the Study Population

3.6       Sampling Design and Procedure

3.7       Data Collection Instrument.

3.8       Administration of Data Collection Instrument

3.9       Procedure for Analysing Collected Data

3.10     Limitations of Methodology

CHAPTER FOUR: DATA PRESENTATION AND ANALYSIS

4.0       Introduction

4.1       Data Presentation and Analysis

4.2       Analysis of Respondents

4.3       Test of Hypothesis

CHAPTER FIVE: CONCLUSION

5.1       Summary of Findings

5.2       Conclusion

5.3       Recommendation

Biography

Questionnaire