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Bank fraud, poor lending and credit management practices in the Nigerian banking sector forced the Central bank of Nigeria to revisit the capital structure of commercial banks in Nigeria. These among other things led the Central Bank of Nigeria (CBN) to give a directive that all banks should recapitalize from ₦2 billion to ₦25 billion with effect from 1st January 2006.This development led to various financial activities in the Nigerian financial sector with most banks initially opting for additional source of fund from the capital market via floating of shares. Most banks at this stage started inviting members of the public to acquire new shares in-order to meet up with the new minimum capital directed by the central bank of Nigeria. Notwithstanding, some banks were not capable of raising the new minimum capital by themselves, hence the need for mergers and recapitalization of banks, reducing the total number of banks in Nigeria to twenty five (25).
However, the recapitalization of the banking sector presented new challenges to the banks which require more efforts to control cost and increase their efficiency; this in turn has effect the volume of credit facilities granted to small and medium scale enterprises in Nigeria. A study conducted by Iloh et al (2012) reveals the gap between deposit money bank deposits (D.M.B.D) and commercial bank lending to SMEs from year 2000 upward (the year that saw the end of merchant banks). There is a wide margin between the two variables and while deposit money bank deposits rose very high, commercial bank lending to SMEs declined from 2004 to 2010. The gap between commercial bank deposits and its lending to SMEs reveals the shift in focus from lending to SMEs to lending to major investors (customers). One is made to ask, while the banking sector is said to drive any economy, has Nigerian commercial banks neglected SMEs, which is vital for the growth and development of the Nigerian economy? Notwithstanding, it is interesting to note that community/Micro finance bank (C.M.F.B) lending to SMEs moved in the same trend with its bank deposit. This implies that as community/micro-finance bank deposits increased, it’s lending to SMEs increased. Regardless of the direct impact of community/micro-finance bank on SMEs, SMEs still cry for lack of funding and lending to SMEs in Nigeria is still poor. This is so because their capital, reserve and deposit are very small and insufficient to meet the needs of small and medium entrepreneurs. It is the in the light of the above that this study examined the impact of banks recapitalization on the performance of small and medium enterprises in Nigeria (SMES).
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SIMILAR BANKING FINANCE FINAL YEAR PROJECT RESEARCH TOPICS
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1. THE EFFECT OF MERGERS AND ACQUISITIONS ON THE GROWTH OF NIGERIA BANKS
» CHAPTER ONE INTRODUCTION 1.1 Background of Study Growth is necessary to determine the performance and continuity of any business organization. Without...Continue Reading »Item Type & Format: Project Material - Ms Word | 52 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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2. MANAGEMENT OF PENSION SCHEMES IN NIGERIA PUBLIC SERVICE (A CASE STUDY OF THE DEPARTMENT OF PENSION/ESTABLISHMENT, ENUGU STATE PUBLIC SERVICE)
» CHAPTER ONE INTRODUCTION 1.1 GENERAL BACKGROUND AND NEED FOR THE STUDY The work that one does gives statues to the person. It also gives a meaning to ...Continue Reading »Item Type & Format: Project Material - Ms Word | 52 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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3. RELATIONSHIP BETWEEN FINANCIAL RISK MANAGEMENT AND FINANCIAL PERFORMANCE OF COMMERCIAL BANKS IN KENYA
» ABSTRACT Financial risk is inherent in every commercial bank, but commercial banks that embed the right financial risk management strategies into busi...Continue Reading »Item Type & Format: Project Material - Ms Word | 57 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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4. EFFECTIVE INTERNAL CONTROL OF FRAUDS IN BANKS A CASE STUDY OF COMMERCIAL AND MERCHANT BANKS IN NIGERIA
» ABSTRACT Ever since banking evolved, banks have come to be seen as one of the few places where one’s treasures can be kept without fear of theft...Continue Reading »Item Type & Format: Project Material - Ms Word | 118 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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5. THE ROLE OF ELECTRONIC BANKING IN DEVELOPMENT OF BANKING INDUSTRIES IN NIGERIA. (A CASE STUDY OF GUARANTY TRUST BANK PLC OGUI ROAD, ENUGU)
» CHAPTER ONE INTRODUCTION 1.1 BACKGROUND OF THE STUDY The advent of financial innovation such as smart card, credit card, electronic transfers in the p...Continue Reading »Item Type & Format: Project Material - Ms Word | 91 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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6. PROSPECTS AND CHALLENGES OF TREASURY SINGLE ACCOUNT IN A DEVELOPING ECONOMY
» CHAPTER ONE INTRODUCTION 1.1 BACKGROUND TO THE STUDY Treasury Single Account is a public accounting system under which all government revenue, receipt...Continue Reading »Item Type & Format: Project Material - Ms Word | 56 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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7. THE ROLE OF FINANCING SMALL AND MEDIUM SCALE ENTERPRISE IN RURAL AREA IN KADUNA STATE
» CHAPTER ONE 1.1 INTRODUCTION Industrialization in Nigeria can be traced as far back as the mid sixty (mid 60’s) although co ordination and meani...Continue Reading »Item Type & Format: Project Material - Ms Word | 38 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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8. EFFECT OF INNOVATION TOWARDS MEETING CUSTOMER SATISFACTION IN NIGERIA BANKING SECTOR
» CHAPTER ONE INTRODUCTION 1.1 BACKGROUND OF THE STUDY The Nigerian banking sector, which plays the intermediation role between the surplus and deficit ...Continue Reading »Item Type & Format: Project Material - Ms Word | 61 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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9. THE EFFECTS OF CREDIT MANAGEMENT ON PROFITABILITY OF NIGERIAN BANKS
» ABSTRACT One of the major problems confronting the Nigerian banking industry today is the increasing incidence of loan defaults and consequent loan lo...Continue Reading »Item Type & Format: Project Material - Ms Word | 52 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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10. THE IMPACT OF STRATEGIC PLANNING ON PERFORMANCE OF BANKS IN NIGERIA (A CASE STUDY OF ZENITH BANK OF NIGERIA PLC)
» ABSTRACT Strategic planning cannot be over emphasized on discussing the performance of bank, most especially Zenith Bank of Nigeria plc: Strategic pla...Continue Reading »Item Type & Format: Project Material - Ms Word | 39 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT