ABSTRACT
This
Study examined the effect of bank merger and acquisition on lending to small
scale business in Abia state, Nigeria. Poor knowledge of the extent and the
directions of the impacts of bank consolidations on small business lending have
led to significant counterproductive policies capable of pulling down the
entire economy in near future in Nigeria, his is the problem; running an
economy through assumption is costly and quite risky. The main objective of the
study is to determine the effect of bank mergers and acquisitions on lending to
small business borrowers in Abia State, Nigeria, while the specific objectives
of this study sought to determine the extent of the impact of changes in
consolidated banks' deposits on small business lending in Abia State. The data
collected were from secondary source using an Ex-post Facto research design.
The collected were then tabulated and revealed and analyzed using simple and
multiple regression analysis. The findings were summarized that Changes in consolidated
banks' deposits has a significantly impact on small business lending and
Changes in consolidated banks' deposits has a significantly impact on small
business lending. Based on the findings of this study, the following
recommendations were made; Merger and acquisition is a strategic tool that must
be cautiously applied and implemented. The maturation period of the merger must
be allowed so that the financial records of the intending firms coming together
can be properly scrutinized by the board of directors of each firm and the
regulatory agencies and more over Merger and acquisition is supposed to be an
intention of which either of the parties to the merger/acquisition can opt-out
if hanky-panky (fraud or deceit] is discovered as being perpetuated.
SUNDAY, S (2024). Effect Of Bank Merger And Acquisition On Lending To Small Scale Business Borrowers In Abia State, Nigeria:- Sunday Samuel S. Mouau.afribary.org: Retrieved Oct 30, 2024, from https://repository.mouau.edu.ng/work/view/effect-of-bank-merger-and-acquisition-on-lending-to-small-scale-business-borrowers-in-abia-state-nigeria-sunday-samuel-s-7-2
SOROMTOCHI, SUNDAY. "Effect Of Bank Merger And Acquisition On Lending To Small Scale Business Borrowers In Abia State, Nigeria:- Sunday Samuel S" Mouau.afribary.org. Mouau.afribary.org, 19 Aug. 2024, https://repository.mouau.edu.ng/work/view/effect-of-bank-merger-and-acquisition-on-lending-to-small-scale-business-borrowers-in-abia-state-nigeria-sunday-samuel-s-7-2. Accessed 30 Oct. 2024.
SOROMTOCHI, SUNDAY. "Effect Of Bank Merger And Acquisition On Lending To Small Scale Business Borrowers In Abia State, Nigeria:- Sunday Samuel S". Mouau.afribary.org, Mouau.afribary.org, 19 Aug. 2024. Web. 30 Oct. 2024. < https://repository.mouau.edu.ng/work/view/effect-of-bank-merger-and-acquisition-on-lending-to-small-scale-business-borrowers-in-abia-state-nigeria-sunday-samuel-s-7-2 >.
SOROMTOCHI, SUNDAY. "Effect Of Bank Merger And Acquisition On Lending To Small Scale Business Borrowers In Abia State, Nigeria:- Sunday Samuel S" Mouau.afribary.org (2024). Accessed 30 Oct. 2024. https://repository.mouau.edu.ng/work/view/effect-of-bank-merger-and-acquisition-on-lending-to-small-scale-business-borrowers-in-abia-state-nigeria-sunday-samuel-s-7-2