Small and medium scale enterprises are many in our economy and plays the vital role of providing specialized services to the customers of the large scale enterprises. Moreso, it is a source of income or employment for greater percentage on Nigerians. It becomes paramount that financing of the small and medium scale enterprises to the agenda of the financial institutions. But are they at all in their agenda? What are their relationships with regards to financing?

It is the aim of this research to find out the role of commercial banks as the financing of small and medium scale enterprises, taking the Union bank PLC as a reference point. To delve into the matter, the research work has five chapters.

Chapter one is the general discussion of the small and medium scale enterprises from different perspectives. As a further discussion, there was the statement of problems of the study , the need of the study, the scope, limitations and the definition of terms. 

Highlighted is chapter two are the review of related literature as carried out by authors and researchers.

Chapter three of this researcher work deals with the design of the study, the data collection method. In other words, the ways through which the questionnaires were distributed to the respondent were discussed.

In the fourth chapter of the research work, the data collected were analyzed and interpreted. 

Finally, the summary of findings, conclusions and recommendation are made in chapter five.

It is the belief of the researcher that the recommendations if strictly adhered to by the entrepreneurs and financial institutions will ensure their mutual survival and growth.

TITLE PAGE

APPROVAL PAGE

DEDICATION

ACKNOWLEDGEMENT

ABSTRACT

TABLE OF CONTENT

CHAPTER ONE

1.1 INTRODUCTION

1.2 STATEMENT OF PROBLEM

1.3 OBJECTIVE OF THE STUDY

1.4 SIGNIFICANCE OF THE STUDY

1.5 SCOPE LIMITATION AND DELIMITATION

1.6 LIMITATION OF THE STUDY

1.7 DEFINITION OF TERMS  

1.8 STATEMENT OF HYPOTHESIS

CHAPTER TWO 

REVIEW OF RELATED LITERATURE

2.1 HISTORICAL BACKGROUND OF SMALL SCALE INDUSTRY

2.2 IMPORTANCE OF SMALL SCALE INDUSTRIES

2.3 THE MAJOR FORMS OF FINANCIAL ASSISTANCE

2.4 THE ROLE OF BANKS FINANCE

2.5 PROBLEMS OF SMALL SCALE INDUSTRIES IN NIGERIA.

2.6 COUNTERING THE PROBLEMS

2.7 ADVANTAGES OF BANKS FINANCE

2.8 BANKS AND GOVERNMENT FINANCING

CHAPTER THREE

3.1 RESEARCH DESIGN AND METHODOLOGY

3.2 RESEARCH DESIGN

3.3 ELECTION OF DATA

3.4 SOURCES OF DATA

3.5 RESEARCH INSTRUMENT

CHAPTER FOUR

4.1 DATA PRESENTATION

4.2 ANALYSIS AND PRESENTATION OF RESPONSES

4.3 TEST OF HYPOTHESIS

CHAPTER FIVE

FINDING RECOMMENDATION AND CONCLUSION

5.1 SUMMARY OF FINDINGS

5.2 RECOMMENDATION

5.3 CONCLUSION.

APPENDIX

i   BIBLIOGRAPHY

ii  QUESTIONNAIRE

iii LETTER OF TRANSMITTAL.