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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 IMPACT OF RECAPITALIZATION ON THE PERFORMANCE OF BANKS IN NIGERIA (a case study of Nigerian banks)
» 1.0 CHAPTER ONE 1.1 BACKGROUND OF STUDY Banking reforms have been an ongoing phenomenon around the world right from the 1980s till date, but it is mor...Continue Reading »Item Type & Format: Project Material - Ms Word | 50 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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2. THE EFFECT OF MARKETING STRATEGIES ON DEPOSIT BANK PERFORMANCE
» Abstract The study examined the effect of marketing strategies on deposit bank performance in Ogun State, Nigeria. The objective of the study is to ev...Continue Reading »Item Type & Format: Project Material - Ms Word | 76 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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3. CAUSES AND EFFECTS OF FINANCIAL MISMANAGEMENT IN TERTIARY INSTITUTION
» Abstract Higher education is the forefront in the production of capable human resources base of Nigeria’s economy. However, regardless of effort...Continue Reading »Item Type & Format: Project Material - Ms Word | 52 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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4. THE EFFECTS OF COMPUTERIZED ACCOUNTING SYSTEM ON THE PERFORMANCE OF BANKING INDUSTRY IN NIGERIA (STUDY OF SELECTED BANKS IN ENUGU METROPOLICS)
» ABSTRACT The research topic of this study is “The Effect of Computerized Accounting System on the Performance of in Banking Industry – a s...Continue Reading »Item Type & Format: Project Material - Ms Word | 114 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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5. PROCEDURES AND PROBLEMS OF SETTING UP A SMALL SCALE BUSINESS IN NIGERIA
» CHAPTER ONE 1.1 BACKGROUND OF THE STUDY In recent years, the issues of mass unemployment particularly graduates unemployed has drawn the attention of ...Continue Reading »Item Type & Format: Project Material - Ms Word | 48 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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6. THE IMPACT OF ORGANIZATIONAL STRUCTURE OF COMMERCIAL BANKS ON EFFICIENT CUSTOMER SERVICE IN NIGERIA
» ABSTRACT This research is a study aimed at finding the main causes of customers of commercial banks to be prompt wherever they are in their current or...Continue Reading »Item Type & Format: Project Material - Ms Word | 50 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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7. FACTORS AFFECTING COMPETITION IN THE COMMERCIAL BANKING INDUSTRY IN NIGERIA
» CHAPTER ONE INTRODUCTION 1.1 BACKGROUND OF THE STUDY The name bank is derived from the Italian word banco desk/bench used during the renaissance by Fl...Continue Reading »Item Type & Format: Project Material - Ms Word | 50 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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8. An Assessment Of The Impact Of ICT On Financial Performance A Study Of Jaiz Bank Plc Kaduna Metropolis
» CHAPTER ONE INTRODUCTION 1.1 Background to the Study Today’s business environment is very dynamic and undergoes rapid changes as a result of technol...Continue Reading »Item Type & Format: Project Material - Ms Word | 42 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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9. THE IMPACT OF FINANCIAL DISTRESS IN BANK ON SMALL AND MEDIUM SCALE BUSINESS (A CASE STUDY OF SELECTED SME’S IN ISOKO NORTH LGA)
» CHAPTER ONE INTRODUCTION 1.1 BACKGROUND OF THE STUDY The word “distress” has beamed the cost commonly used word not only in financial syst...Continue Reading »Item Type & Format: Project Material - Ms Word | 52 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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10. CONTRIBUTION OF BANKING SECTOR TO AGRICULTURAL PRODUCTIVITY IN NIGERIA 1981-2013
» ABSTRACT Over the years issues related to sexuality and contraception have been taken with great reservation by Nigerians, as a result of increase in ...Continue Reading »Item Type & Format: Project Material - Ms Word | 52 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT