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BANK RECAPITALIZATION AND SMALL AND MEDIUM SCALES ENTERPRISE
IN NIGERIA
ABSTRACT
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.
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