FINANCIAL IMPEDIMENT TO THE SUSTAINABLE GROWTH AND DEVELOPMENT OF SMALL-SCALE ENTERPRISES OPERATING IN PLATEAU STATE, NIGERIA


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TABLE OF CONTENTS

TITLE PAGE
APPROVAL PAGE
CERTIFICATION
DEDICATION
ACKNOWLEDGEMENTS
TABLE OF CONTENTS
LIST OF FIGURE
LIST OF TABLES
ABSTRACT

CHAPTER ONE: INTRODUCTION
Background of the Study
Statement of the Problem
Purpose of the Study
Significance of the Study
Research Questions
Research Hypotheses
Delimitation of the Study

CHAPTER TWO: REVIEW OF RELATED LITERATURE
Conceptual Framework
           Meaning of Small-Scale Enterprises
           Role of Small-  Scale Enterprises
           Financial Impediments Encountered by Small-Scale Enterprises
           Fund Raising by Small-Scale Enterprises and Credit facilities available to Small-Scale Enterprises
           Government Financial regulatory Policies in Small -  Scale Enterprises
           Ways of Ameliorating the Financial Impediments of Small-Scale Enterprises.
Theoretical Framework
•Life Cycle Theory.
   Theory of Growth and Size of Firm
Related Empirical Studies
Summary of Reviewed Literature

CHAPTER THREE: METHODOLOGY
Design of the Study
Area of the Study
Population for the Study
Sampling and Sampling Technique
Instrument for Data Collection
Validation of Instrument
Reliability of the Instrument
Method of Data Collection
Method of Data Analysis

CHAPTER FOUR: PRESENTATION AND ANALYSIS OF DATA
Research Question 1
Hypothesis 1
Research Question 2
Hypothesis 2
Research Question 3
Hypothesis 3
Research Question 4
Hypothesis 4
Findings of the Study
Discussion of Findings

CHAPTER FIVE: SUMMARY, CONCLUSION AND RECOMMENDATIONS
Re-statement of the Problem
Summary of Procedures Used
Principal Findings of the Study
Implications of the Study
Conclusion
Recommendations
Suggestions for Further Studies
References
Appendices





Abstract

The study of Financial Impediment to the Sustainable Growth and Development of Small-Scale Enterprises Operating in Plateau State, Nigeria employed a descriptive survey design. The study covered only the central senatorial zone in the state with five local governments namely; Pankshin, Mangu, Bokkos, Kanke, and Kanam local government. The population for the study was 206 made up of 57 and 149 registered entrepreneurs and employees of small-scale enterprises in the six local governments in central senatorial zone of Plateau State. Since the total population of the proprietors and the employees are small and manageable no sampling was carried out. The instrument for data collection was a structured questionnaire titled ‘Financial Impediments to Small-Scale Enterprises Questionnaire’, (FISSEQ). The questionnaire items were developed based on the information gathered from the literature reviewed. The questionnaire was subjected to face-validation by three experts. Two of the validates came from the Department of Vocational Teacher Education, University of Nigeria, Nsukka and one of them is from department of Vocational and Technical Education, Ahmadu Bello University Zaria, in Kaduna State. The reliability of the instrument was done using Cronbach Alpha (α) method. The coefficient result yielded 0.86 which was used to establish the internal consistency of the instrument. The researcher with the help of three research assistants administered the questionnaire to the respondents. The data collected for the study was analyzed using mean to answer the research questions and standard deviation to determine the closeness or otherwise of the responses from the mean, while t -test statistic was used to test the null hypothesis of no significant difference at the probability of 0.05 level of significance at relevant degree of freedom with the use of Statistical Package for Social Sciences (SPSS). It was found out that inaccessibility of credit facility, government financial regulatory policies, and poor financial management practices impede the growth and development of small scale enterprises in Plateau State. From the findings of the study, it was recommended amongst others that government and other financial institutions operating in Plateau State should make credit facilities available to all categories of small scale enterprise and should ensure adequate monitoring of how the small scale enterprise utilized the funds.





CHAPTER ONE

INTRODUCTION

Background of the Study

Business exists in different forms and sizes. A business can be undertaken on a small scale, medium scale or large scale basis. Small and Medium Enterprises (SMEs) are seen as driving forces that promote and contribute immensely to the economic development of any country. Small-Scale Enterprises (SSEs) are the backbone of an economy as major contributors of job creation and play an important role as efficient providers of intermediate goods and services to large firms (Muhammed, 2010).

The concept of Small-Scale Enterprises (SSEs) varies from country to country, region to region and from agencies to agencies. Different authors often use different parameters such as the number of employees, sales volume, turnover and capital to differentiate small, medium and/or big scale enterprises (Ahmed, 2006). However, these parameters do not provide uniform benchmark for all industries. Furthermore, what is a big capital today may become small in years to come (Aremu and Adeyemi, 2010). Consequently, there are as many definitions of SSEs as there are scholars and institutions. Makhbul (2011) stated that small scale industries (SSIs), small scale businesses (SSBs), and small scale enterprises (SSEs) are some of the terms that are used interchangeably to describe small and medium scale enterprises (SMEs). The author further stated that SSEs or SMEs are very heterogeneous group because these enterprises embrace a wider variety and diverse forms ranging from tailors and garments, textiles, furniture producers, wood.....



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