EFFECT OF BANK’S CREDIT ON THE PERFORMANCE OF SMALL AND MEDIUM SCALE ENTERPRISES IN NIGERIA

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dc.contributor.authorYUNUS AbdulrasheedBolaji
dc.contributor.authorLAWAL, Rodiat Yetunde
dc.contributor.authorMANGS, Niri Job
dc.contributor.authorAbdulrafiu, Daud
dc.date.accessioned2026-04-15T08:11:31Z
dc.date.available2026-04-15T08:11:31Z
dc.date.issued2019
dc.descriptiongreat contribution to the small and medium enterprises
dc.description.abstractSmall and Medium Scale Enterprises (SMEs) performance is largely connected with availability of banks’ credit as this enhances investment, thereby contributing to the overall development of the economy. Specifically, the study evaluated the relationship between Deposit Money Banks’ (DMBs) credit variables such as banking sector credit, lending rate and savings and time deposit on performance of the SMEs. The study’s population was the SMEs in Nigeria. The study employed secondary data obtained from the Central Bank of Nigeria’s Statistical Bulletins for a period of twenty-five years (1992-2016). The data obtained were subjected to fully modified least square regression analysis. Findings reveal that banking sector credit and savings and time deposits with DMBs have a positive and significant effect on SMEs performance at 5% significance level (with pv of 0.0006 and 0.0459, respectively). However, lending rate has a negative and significant relationship with SMEs performance at 5% significant levels (0.0351). Based on the findings, the study concluded that DMBs credits have significant effect on SMEs performance in Nigeria. Therefore, DMBs should keep interest rate at its minimum as this will enhance the provision of adequate finance to expand SMEs operation which will thus have a significant effect on the performance of this sector.
dc.description.sponsorshipSelf-sponsor
dc.identifier.issnIlorin Journal of Human Resource Management (IJHRM) Vol.3, No.2,
dc.identifier.urihttps://uilspace.unilorin.edu.ng/handle/123456789/17161
dc.language.isoen
dc.publisherIlorin Journal of Human Resource Management (IJHRM) Vol.3, No.2, 2019
dc.subjectBank Sector Credit
dc.subjectLending rate
dc.subjectSavings and time deposit
dc.subjectPerformance of SMEs
dc.subjectMultiple regression.
dc.titleEFFECT OF BANK’S CREDIT ON THE PERFORMANCE OF SMALL AND MEDIUM SCALE ENTERPRISES IN NIGERIA
dc.typeArticle

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