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Title: :  DETERMINANTS OF DEPOSIT MONEY BANKS CREDIT TO SMALL AND MEDIUM SCALE ENTERPRISES FINANCING IN NIGERIA.
PaperId: :  8540
Published in:   International Journal Of Advance Research And Innovative Ideas In Education
Publisher:   IJARIIE
e-ISSN:   2395-4396
Volume/Issue:    Volume 4 Issue 3 2018
DUI:    16.0415/IJARIIE-8540
Licence: :   IJARIIE is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Author NameAuthor Institute
Popoola Mufutau AkanmuKwara State University
Adewole Joseph Adeyinka Adekunle Ajasin University
Idih Ogwu EmanuelVeritas University

Abstract

Business and Entrepreneurship
Bank credit, small and medium enterprises, capital, economy, Liquidity ratio, Cash reserve ratio, Bank rate, Deposit rate.
The study examined the determinants of deposit money banks credit to small scale enterprise in Nigeria. Small and medium scale enterprise plays very important roles in the economic growth and development of a nation; it provides employment opportunities, encourages and sustains self-reliance. It is quite unfortunate that despite the numerous roles which small and medium scale enterprise plays in the economy, small and medium scale enterprises still face some challenges of the need for startup capital, the need for working capital and the need for expansion capital. The major objective of this study is to assess the determinants of deposit money banks credit to small scale enterprises in Nigeria. Multiple regression analysis was used to achieve the stated objective. Data was sourced from CBN statistical bulletin. It was revealed that there exist a strong relationship between the dependent variable and independent variable. It was also reviewed in the determinant of SMEs credit equation that the relationship between dependent and Independent variables was statistically significant at 5%. Also, in Anova result p-value is 0.030 which is lesser than 0.05. The study recommends that the Nigerian deposit money banks should mobilized enough deposit and always make loans to small and medium enterprises in other to enhance economy growth and development in Nigeria. There should be guarantee of long term loans to small and medium scale enterprises from the government.

Citations

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IJARIIE Popoola Mufutau Akanmu, Adewole Joseph Adeyinka , and Idih Ogwu Emanuel. "DETERMINANTS OF DEPOSIT MONEY BANKS CREDIT TO SMALL AND MEDIUM SCALE ENTERPRISES FINANCING IN NIGERIA." International Journal Of Advance Research And Innovative Ideas In Education Volume 4 Issue 3 2018 Page 1697-1710
MLA Popoola Mufutau Akanmu, Adewole Joseph Adeyinka , and Idih Ogwu Emanuel. "DETERMINANTS OF DEPOSIT MONEY BANKS CREDIT TO SMALL AND MEDIUM SCALE ENTERPRISES FINANCING IN NIGERIA.." International Journal Of Advance Research And Innovative Ideas In Education 4.3(2018) : 1697-1710.
APA Popoola Mufutau Akanmu, Adewole Joseph Adeyinka , & Idih Ogwu Emanuel. (2018). DETERMINANTS OF DEPOSIT MONEY BANKS CREDIT TO SMALL AND MEDIUM SCALE ENTERPRISES FINANCING IN NIGERIA.. International Journal Of Advance Research And Innovative Ideas In Education, 4(3), 1697-1710.
Chicago Popoola Mufutau Akanmu, Adewole Joseph Adeyinka , and Idih Ogwu Emanuel. "DETERMINANTS OF DEPOSIT MONEY BANKS CREDIT TO SMALL AND MEDIUM SCALE ENTERPRISES FINANCING IN NIGERIA.." International Journal Of Advance Research And Innovative Ideas In Education 4, no. 3 (2018) : 1697-1710.
Oxford Popoola Mufutau Akanmu, Adewole Joseph Adeyinka , and Idih Ogwu Emanuel. 'DETERMINANTS OF DEPOSIT MONEY BANKS CREDIT TO SMALL AND MEDIUM SCALE ENTERPRISES FINANCING IN NIGERIA.', International Journal Of Advance Research And Innovative Ideas In Education, vol. 4, no. 3, 2018, p. 1697-1710. Available from IJARIIE, http://ijariie.com/AdminUploadPdf/DETERMINANTS_OF_DEPOSIT_MONEY_BANKS_CREDIT_TO_SMALL_AND_MEDIUM_SCALE_ENTERPRISES_FINANCING_IN_NIGERIA__ijariie8540.pdf (Accessed : 14 June 2018).
Harvard Popoola Mufutau Akanmu, Adewole Joseph Adeyinka , and Idih Ogwu Emanuel. (2018) 'DETERMINANTS OF DEPOSIT MONEY BANKS CREDIT TO SMALL AND MEDIUM SCALE ENTERPRISES FINANCING IN NIGERIA.', International Journal Of Advance Research And Innovative Ideas In Education, 4(3), pp. 1697-1710IJARIIE [Online]. Available at: http://ijariie.com/AdminUploadPdf/DETERMINANTS_OF_DEPOSIT_MONEY_BANKS_CREDIT_TO_SMALL_AND_MEDIUM_SCALE_ENTERPRISES_FINANCING_IN_NIGERIA__ijariie8540.pdf (Accessed : 14 June 2018)
IEEE Popoola Mufutau Akanmu, Adewole Joseph Adeyinka , and Idih Ogwu Emanuel, "DETERMINANTS OF DEPOSIT MONEY BANKS CREDIT TO SMALL AND MEDIUM SCALE ENTERPRISES FINANCING IN NIGERIA.," International Journal Of Advance Research And Innovative Ideas In Education, vol. 4, no. 3, pp. 1697-1710, May-Jun 2018. [Online]. Available: http://ijariie.com/AdminUploadPdf/DETERMINANTS_OF_DEPOSIT_MONEY_BANKS_CREDIT_TO_SMALL_AND_MEDIUM_SCALE_ENTERPRISES_FINANCING_IN_NIGERIA__ijariie8540.pdf [Accessed : 14 June 2018].
Turabian Popoola Mufutau Akanmu, Adewole Joseph Adeyinka , and Idih Ogwu Emanuel. "DETERMINANTS OF DEPOSIT MONEY BANKS CREDIT TO SMALL AND MEDIUM SCALE ENTERPRISES FINANCING IN NIGERIA.." International Journal Of Advance Research And Innovative Ideas In Education [Online]. volume 4 number 3 (14 June 2018).
Vancouver Popoola Mufutau Akanmu, Adewole Joseph Adeyinka , and Idih Ogwu Emanuel. DETERMINANTS OF DEPOSIT MONEY BANKS CREDIT TO SMALL AND MEDIUM SCALE ENTERPRISES FINANCING IN NIGERIA.. International Journal Of Advance Research And Innovative Ideas In Education [Internet]. 2018 [Cited : 14 June 2018]; 4(3) : 1697-1710. Available from: http://ijariie.com/AdminUploadPdf/DETERMINANTS_OF_DEPOSIT_MONEY_BANKS_CREDIT_TO_SMALL_AND_MEDIUM_SCALE_ENTERPRISES_FINANCING_IN_NIGERIA__ijariie8540.pdf
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