Bank Recapitalization And Small And Medium Scales Enterprise In Nigeria

Project and Seminar Topics with material for Banking and Finance

Project and Seminar Topics with material for Banking and Finance


This research work examined bank recapitalization and small and medium scales enterprise in Nigeria. There is dearth of financial institutions which cater for long and medium term credit needs of businesses operating in the economy. SMEs are no exceptions to these, and they suffer a great deal for want of capital for development and expansion of the economic survival of the country. Data collected was analysed using chi-square technique and tabulated. The Data gathered from the field was analysed on statistic package for social sciences (SPSS) in other to enhance data collection and obtain accurate and concrete information about the study. Findings from this study show that bank re-capitalization has led to the increase of funds to SMEs. It is evident that there are lending programs for small and medium scale industries. It is evident that bank requires a feasibility study of the proposed project before granting loans. In organisations, it shows that small and medium enterprises equity investment schemes (SEMEEIS) have positive effect on SSE and the economy in general.

Similarly, loan granted to it contributed to the growth of the business. Bank recapitalization has led to market expansion. Banks comply with the minimum credit allocation to SSEs as required by the CBN through its guidelines which stipulates that they should set aside 10% of their profit before tax for SSEs. The study concludes that the recapitalization exercise experienced in Nigeria played a significant role in banks‟ capital base as well as restoring confidence among banks‟ customers and thus improves business transactions. The study recommends that The Central Bank of Nigeria (CBN) should put in place a stronger banking supervision department to sustain the performance of the banking and recapitalization policies in the banking industry in Nigeria. Interest which deters people with genuine business ideas should be reduced to a bearable level so as to make borrowing cheaper. All administrative bottle necks which make funds inaccessible to small and medium scale enterprises operators should be mitigated. The Central Bank of Nigeria should as a matter of urgency compel all other commercial banks to adhere strictly to banking policies and regulations. Finally, Prospective business operators should conduct extensive feasibility studies to evaluate the viability of any proposed business to avoid investment in unprofitable ventures.

Get Complete Project Material

5,000 5000

The Complete Material Will Be Sent to You in Just 2 Steps

Quick & Simple…

Step One Purchase

Make Payment (Through Transfer) of ₦5,000 to the Account Below

Zenith BankAcc No: 1225513212
Samphina Academy
Current Account

Or CLICK HERE To Pay With Debit Card

CLICK HERE To Purchase Material ($15)

Step Two Purchase

Send the Following Details on WhatsApp ( 08143831497) After Payment

  1. Payment Details

  2. TOPIC: Bank Recapitalization And Small And Medium Scales Enterprise In Nigeria

The Complete Material Will Be Sent To You On WhatsApp After Receiving Your Details
T & C Apply

  Contact Our Help Desk

Need a Different Topic? Perform a Quick Search

List of Related Works

Click on Any Topic to Preview the Content

Samphina Academy

Samphina Academy is an Online Educational Resource Center that is aimed at providing students with quality information and materials to aid them in succeeding in their academic pursuit.