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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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SIMILAR BANKING FINANCE FINAL YEAR PROJECT RESEARCH TOPICS
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1. EFFECTS OF STAFF PERFORMANCE APPRAISAL ON THE ACHIEVEMENT OF ORGANISATIONAL GOALS IN THE FIRST BANK PLC (FIRST BANK PLC)
» ABSTRACT The study was designed to assess the impact of the Staff Performance Appraisal System of First Bank Plc, a case study of Uyo Branch. Specific...Continue Reading »Item Type & Format: Project Material - Ms Word | 146 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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2. ROLE OF MONEY DEPOSIT BANKS IN FINANCING SMALL SCALE INDUSTRIES IN NIGERIA (A CASE STUDY OF FIRST BANK OF NIGERIA PLC)
» CHAPTER ONE INTRODUCTION 1.1 BACKGROUND TO PROBLEM Small and medium enterprises are believed to be the engine room for the development of any economy,...Continue Reading »Item Type & Format: Project Material - Ms Word | 79 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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3. RISK MANAGEMENT IN NIGERIA BANKING INSTITUTION
» ABSTRACT Customers of banks expect their bankers to provide them with loans and advances to makeup any short fall in their funds requirement for trans...Continue Reading »Item Type & Format: Project Material - Ms Word | 52 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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4. AN ASSESSMENT OF CUSTOMER PROTECTION AND THE CHALLENGES OF A CASH-LESS ECONOMY. (CASE STUDY UNITY BANK PLC)
» ABSTRACT Cash less policy is a situation where the volume of the physical cash been used in the economy is reduced rather than total elimination of su...Continue Reading »Item Type & Format: Project Material - Ms Word | 64 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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5. BANK SERVICE DELIVERY AND CUSTOMERS’ SATISFACTION IN NIGERIA BANK
» CHAPTER ONE INTRODUCTION 1.1 Background to the Study Bank service delivery is concerned with the provision of quality services to customers. Obviously...Continue Reading »Item Type & Format: Project Material - Ms Word | 52 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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6. FACTORS AFFECTING THE PERFORMANCE OF SMEs IN NIGERIA( A CASE STUDY OF UYO MUNICIPAL)
» CHAPTER ONE INTRODUCTION 1.1Background of the study According to Grasmuck (2000), a small enterprise is a type of small business, often registered, ha...Continue Reading »Item Type & Format: Project Material - Ms Word | 52 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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7. THE EFFECT OF MOTIVATION INCENTIVE ON BANK EMPLOYEE (A case study of UBA, Yakubu Gowon Way, Kaduna Branch)
» CHAPTER ONE: INTRODUCTION 1.0 INTRODUCTION Motivation on bank employee was established by the organisation (bank) with the aim to reset the healthy co...Continue Reading »Item Type & Format: Project Material - Ms Word | 52 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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8. EFFECT OF COMPUTERIZATION ON THE DEVELOPMENT OF BANKING SECTOR
» CHAPTER ONE INTRODUCTION 1.1 BACKGROUND OF THE STUDY In today world we are totally living in a computerized world and we have lost the human element. ...Continue Reading »Item Type & Format: Project Material - Ms Word | 61 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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9. A SECTORAL ANALYSIS OF CRUDE OIL PRICE, EXCHANGE RATE AND STOCK PRICES IN NIGERIA, (2009-2016)
» ABSTRACTThe aim of this study was to examine the impact of tax revenue collected by federal government on the economic growth of Nigeria, while lookin...Continue Reading »Item Type & Format: Project Material - Ms Word | 152 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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10. IMPACT OF MONETARY POLICY ON THE PERFORMANCE OF DEPOSIT MONEY BANKS IN NIGERIA
» Abstract This study impact of monetary policy on the performance of deposit money banks in Nigeria. The total population for the study is 200 staff of...Continue Reading »Item Type & Format: Project Material - Ms Word | 66 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT