ABSTRACT
One major challenge facing management of every modern
organization is how to improve productivity and co-operate performance through
the use of available motivational productivity and corporate performance as
well as the use of available motivational incentives. However, given the
complexity of human behavior in relation to organizational and environmental
condition, these challenges look more insurmountable. Against this backdrop,
the study therefore examines the effects of Deposit money bank loans on small
and medium scale enterprise (A case study of Eco Bank) with a view to determine
the effect on productivity, Co-operate performance and growth of the
organization in Nigerian Economy. To achieve these objectives, the researcher carried
out a comprehensive study on the business at all level of the organization and
Eco Bank, using the questionnaires and oral interview as the study instrument.
For simplicity and better reader's understanding data gathered and collected on
this study was presented and analyzed using frequency tables, simple
percentages, and multiple regressions. The findings of the study showed that
Deposit money Bank loans have created a positive effect on SMEs in Nigerian
Economy with limitation on the rate of loan grant. This has resulted into
employment opportunities, development and improved well being of the people. On
the other hand, the research also revealed that inadequate capital, lack of
managerial expertise, high loan default, political instability, x inconsistency
in government as well as government transitions are the problems of SMEs in
Nigeria. Hence, the researcher, proposed recommendations for mitigating these
problems as follows; financial institutions in Nigeria should give more
attention to the SMEs sub-sector, There is need for the government to
strengthen the institutional channels employed to render support services to
SMEs to overcome technical, management and marketing problems, etc Finally,
bank loan has not done much more contribution as expected in developing and
financing the growth of SMEs in Nigeria.
NDUBUISI, I (2021). Bank Financing In A Selected Small And Medium Scale Enterprises In Nigeria (A Case Study Of Eco Bank, Abia State). Mouau.afribary.org: Retrieved Nov 01, 2024, from https://repository.mouau.edu.ng/work/view/bank-financing-in-a-selected-small-and-medium-scale-enterprises-in-nigeria-a-case-study-of-eco-bank-abia-state-7-2
IHUOMA, NDUBUISI. "Bank Financing In A Selected Small And Medium Scale Enterprises In Nigeria (A Case Study Of Eco Bank, Abia State)" Mouau.afribary.org. Mouau.afribary.org, 08 Nov. 2021, https://repository.mouau.edu.ng/work/view/bank-financing-in-a-selected-small-and-medium-scale-enterprises-in-nigeria-a-case-study-of-eco-bank-abia-state-7-2. Accessed 01 Nov. 2024.
IHUOMA, NDUBUISI. "Bank Financing In A Selected Small And Medium Scale Enterprises In Nigeria (A Case Study Of Eco Bank, Abia State)". Mouau.afribary.org, Mouau.afribary.org, 08 Nov. 2021. Web. 01 Nov. 2024. < https://repository.mouau.edu.ng/work/view/bank-financing-in-a-selected-small-and-medium-scale-enterprises-in-nigeria-a-case-study-of-eco-bank-abia-state-7-2 >.
IHUOMA, NDUBUISI. "Bank Financing In A Selected Small And Medium Scale Enterprises In Nigeria (A Case Study Of Eco Bank, Abia State)" Mouau.afribary.org (2021). Accessed 01 Nov. 2024. https://repository.mouau.edu.ng/work/view/bank-financing-in-a-selected-small-and-medium-scale-enterprises-in-nigeria-a-case-study-of-eco-bank-abia-state-7-2