Credit analysis on small and medium enterprises in lagos metropolis (a case study of bank phb plc.)
Table Of Contents
Chapter ONE
1.1 Introduction1.2 Background of Study
1.3 Problem Statement
1.4 Objective of Study
1.5 Limitation of Study
1.6 Scope of Study
1.7 Significance of Study
1.8 Structure of the Research
1.9 Definition of Terms
Chapter TWO
2.1 Overview of Small and Medium Enterprises (SMEs)2.2 Importance of Credit Analysis in SMEs
2.3 Factors Affecting Credit Analysis in SMEs
2.4 Current Trends in Credit Analysis for SMEs
2.5 Role of Financial Institutions in SME Credit Analysis
2.6 Challenges Faced by SMEs in Accessing Credit
2.7 Impact of Credit Analysis on SME Growth
2.8 Best Practices in Credit Analysis for SMEs
2.9 Case Studies on Credit Analysis in SMEs
2.10 Future Directions in SME Credit Analysis
Chapter THREE
3.1 Research Design and Approach3.2 Sampling Techniques
3.3 Data Collection Methods
3.4 Data Analysis Techniques
3.5 Research Instrumentation
3.6 Ethical Considerations
3.7 Validity and Reliability
3.8 Limitations of the Research
Chapter FOUR
4.1 Overview of Findings4.2 Analysis of Credit Analysis Practices in SMEs
4.3 Comparison of Credit Analysis Models
4.4 Factors Influencing Credit Approval in SMEs
4.5 Impact of Credit Analysis on SME Performance
4.6 Recommendations for Improving Credit Analysis in SMEs
4.7 Case Studies on Successful Credit Analysis Implementations
4.8 Future Implications and Research Opportunities
Chapter FIVE
5.1 Summary of Findings5.2 Conclusion
5.3 Implications for Practice
5.4 Recommendations for Further Research
5.5 Reflections on the Research Process
Thesis Abstract
Small and medium enterprises are supposed to play a central role in the drive for economic development of the country. There is however a consensus’ that these small and medium enterprises have largely failed to ·deliver on this score. Lack of access to credit from financial institutions has been identified as constituting the greatest clog in the wheel of progress for small and medium enterprises. This research work seeks to appraise the process of analysing credit requests on small and medium enterprises in. the Lagos Metropolis using Bank PHB as a case study. In carrying out this research study, questionnaire was used as the instrument and chi-square also was used for the testing of the hypothesis formulated with the use of non-parametric statistical techniques. The management and staff of Bank PHB PIc was used as the respondents which relevant question was structured to sought respondent’s opinion on the credit analysis on small and medium enterprises by banks. It was recommended that a mechanism should be put in place whereby governments at various levels could guarantee SMEs loans availed by banks.
Thesis Overview
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