This research work evaluates factors that affect small and medium scale enterprises

It is quiet true that small business is the dominant form of business enterprise in any economy whether developed or developing. This sector today is being recognized by developing nations due to its role in the economic development of the economy. Also the Democratic system of governance in the country under the leadership of Gen. Olusegun Obasanjo administration contains incentives aimed at encouraging the small business enterprise. It is crystal clear that every business organization both small and big exist for the purpose of engaging in one social/economic activity or the other. They produce and or market various want - satisfying goods and service for the satisfaction of heterogeneous wants and needs in wider society, provide employment for the ever-growing population, render useful various assistance to the government of the state in the overall social economic and political development. In conclusion, the survival and growth of any business organization (small or big) depends on building and maintaining a high level of consumer fellowship and loyalty to company products or offerings and the ability to match output and product- availability with this large fellowship. In other words, this implies effective satisfaction of consumer needs.