ABSTRACT
This research took a dive into the role of micro finance bank’s services on the performance of Small and Medium Scale Enterprises in Abuja. The study focused on selected SME operators within Abuja Municipal council. The variables identified for the study were dependent and independent variables. The independent variables were micro savings and micro credit, and the dependent variable was SME performance based on the gross profit of the SMEs. Primary data method of data collection was engaged through the use of questionnaires. The researcher used multiple linear regression model derived from SPSS to test the proposed hypothesis for the study. The study based on its findings concluded that micro financing micro-credit scheme does enhance the profitability of SMEs for the first hypothesis, and the second hypothesis showed that Micro finance banks’ micro-savings scheme has contributed to the growth and development of SMEs in Abuja metropolis. The study recommended to ensure that micro finance banks contribute meaningfully to the growth and profitability of SMEs in Nigeria as a whole SME operators should utilize the benefits of micro finance banks which includes not only micro-credit scheme but also micro-savings scheme to promoting their business outfits so that the economy as a whole is improved in performance.
TABLE OF CONTENT
Title Page
Approval Page - - - - - - - - - i
Declaration - - - - - - - - - ii
Dedication - - - - - - - - - iii
Acknowledgement - - - - - - - - iv
Abstract - - - - - - - - v
List of Tables
List of Figures
TABLE OF CONTENT
CHAPTER ONE
1.1 Background of the Study - - - - - - 1
1.2 Statement of the problem - - - - - - 2
1.3 Research Questions - - - - - - - 2
1.4 Objective of the study - - - - - - - 3
1.5 Research Hypothesis - - - - - - - 3
1.6 Significance of the Study - - - - - - 3
1.7 Scope of the study - - - - - - - 4
1.8 Definition of terms - - - - - - - - 4
CHAPTER TWO
LITERATURE REVIEW
2.1 Conceptual Framework of the Study - - - - - 6
2.1.1 The Concept of Micro-Credit - - - - - 6
2.1.2 Concept of Micro-savings - - - - - - 7
2.1.3 The Concept of SME and their Performance in Nigeria- - - 7
2.1.4 Concept of Microfinance Banks in Nigeria - - - 8
2.1.5 Institutions in Microfinance Activities in Nigeria - - - 9
2.1.6 The Microfinance Policy - - - - - - 11
2.1.7 Challenges of Microfinance - - - - - - 12
2.2 Theoretical Framework of the Study - - - - - 13
2.3 Empirical Review of Previous Studies - - - - 15
2.4 Existing Gap for the Study - - - - - - 17
CHAPTER THREE
RESEARCH METHODOLOGY
3.1 Research Design - - - - - - - 18
3.2 Source of Data - - - - - - - - 18
3.3 Method of data collection - - - - - - 18
3.4 Population of the study - - - - - - 18
3.5 Sampling Technique - - - - - - 18
3.6 Sample Size - - - - - - - - 19
3.7 Methods of Data Analysis - - - - - - 19
3.8 Variables for the study - - - - - - 19
3.9 Validity and reliability of research instrument - - - 19
CHAPTER FOUR
DATA PRESENTATION AND ANALYSIS
4.1 Data Presentation and Analysis - - - - - 20
4.2 Test of Hypothesis - - - - - - - 28
4.3 Discussion of Findings - - - - - - 30
CHAPTER FIVE
Summary, Conclusion and Recommendation
5.1 Summary - - - - - - - 31
5.2 Conclusions - - - - - - - - 31
5.3 Recommendations - - - - - - - 32
Bibliography - - - - - - - - - 33-35
Appendix 1 - - - - - - - - - 36
Appendix 2 - - - - - - - - - 37-39
