ABSTRACT
The scope of this Research work was focused on the effects of Merger and Acquisition on small business lending in Nigeria on study of selected Banks in Nigeria. The objective of this Research shows the static effects relationship of banks merger and acquisition and small business lending in Nigeria. To make Recommendations based on findings, examine theories related to merger and acquisition, examine the concepts of merger and acquisitions. In Nigeria, method of data collection was based on journals, banks Annual reports news papers etc, challenges faced by Banks during merger and acquisitions with small scale business lending and also benefits accompanied by it.
TABLE OF CONTENTS
Cover page
Title page 11
Declaration lll
Certification IV
Dedication v
Acknowledgment Vl
Table of Contents Vll
List of Table vm
Abstract lX
CHAPTER ONE
1.0 Introduction 1
1.1 Background to the Study 1
1.2 Statement of the Problem :,
1.3 Objectives of the Study 5
1.4 Research Questions 6
1.5 Research Hypothesis 6
1.6 Scope of the study 7
1.7 Significant of the study 7
1.8 Definition of terms 8
CHAPTER TWO
2.1 Review of Related Literature 11
2.1.1 Bank capital channel model 11
2.1.2 Capital constraint model 11
2.1.3 The life circle approach 12
2.1.4 The peeking order theory 13
2.1.5 Agency theory 13
2.2 The concept of merger and Acquisition 14
2.3 History of Merger and Acquisition in Nigeria 17
2.4 Reasons for merger and Acquisition 18
2.5 The role of banking system in the economy 22
2.6 Rationale for banking system reform in Nigeria 24
2. 7 Benefits of Merger Acquisition in Banking system in Nigeria 25
2.8 Challenges in merger acquisition in Nigeria 27
2.9 Financial situations of banks and small and medium business in Nigeria 29
2.10 Bank's lending policies towards small and medium enterprise 33
2.11 Critical factors influencing banks lending to small and medium enterprise 34
2.12 The effects of bank Merger and acquisition on small business lending 36
2.12.1 The four effects of merger and acquisition on banking lending 39
CHAPTER THREE
3 .1 Research Methodology 44
3 .1 Research Design 44
3 .2 Method of data collection and data sources 44
3.3 Limitation to study 45
3.4 Model specification Estimate technique and validation 47
CHAPTER FOUR
Data presentation, Analysis Discussion on findings
4.1 Data Presentation 50
4.2 Analysis of data 61
4.2.1 Analysis of Regression results of the impact of bank deposit on small business lending using pre-merged data UBA (static effect)
4.2.2 Analysis of Regression Results of the impact of bank deposits on small business lending using pre-merged data STB (static effect) 4.2.3 Analysis of Regression results of the impact of bank deposit on small business lending using pre-merged data of UBA/STB
4.2.4 Analysis of regression results of the impact of bank deposit on small business lending using pre-merged data GTB (static design
4.2.5 Analysis of regression results of the dynamic effects of merger and acquisition on small business lending
4.3 Test of hypothesis 66
4.3.1 Hypothesis 1
4.3.2 Hypothesis II 66
4.3.3 Hypothesis III 67
4.3.4 Hypothesis IV 67
4.4 Discussion of finding 68
CHAPTER FIVE
5.0 Summary, Conclusions and Recommendations 69
5.1 Summary of Findings 69
5 .2 Conclusions 69
5.3 Recommendations 70
References 71
ADU, C (2021). Effects Of Merger And Acquisition On Small Business Lending In Nigeria. Mouau.afribary.org: Retrieved Oct 31, 2024, from https://repository.mouau.edu.ng/work/view/effects-of-merger-and-acquisition-on-small-business-lending-in-nigeria-7-2
CHINENYE, ADU. "Effects Of Merger And Acquisition On Small Business Lending In Nigeria" Mouau.afribary.org. Mouau.afribary.org, 29 Apr. 2021, https://repository.mouau.edu.ng/work/view/effects-of-merger-and-acquisition-on-small-business-lending-in-nigeria-7-2. Accessed 31 Oct. 2024.
CHINENYE, ADU. "Effects Of Merger And Acquisition On Small Business Lending In Nigeria". Mouau.afribary.org, Mouau.afribary.org, 29 Apr. 2021. Web. 31 Oct. 2024. < https://repository.mouau.edu.ng/work/view/effects-of-merger-and-acquisition-on-small-business-lending-in-nigeria-7-2 >.
CHINENYE, ADU. "Effects Of Merger And Acquisition On Small Business Lending In Nigeria" Mouau.afribary.org (2021). Accessed 31 Oct. 2024. https://repository.mouau.edu.ng/work/view/effects-of-merger-and-acquisition-on-small-business-lending-in-nigeria-7-2