Funding Needs and sources of Funds For Small Scale Enterprises (SSEs)

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CHAPTER THREE RESEARCH DESIGN AND METHODOLOGY

POPULATION OF THE STUDY

The population of this study is made up of the officials of two commercial banks in Enugu: namely United Bank of Africa (UBA) and Union Bank of Nigeria Plc, and some selected small scale enterprises in Enugu. The elements in the population are units of analysis and their nature is determined by the survey objectives.

DETERMINATION OF SAMPLE SIZE

Sampling involves the selection of a number of study units from a defined study population. A sample is therefore a small representative of a large population. Out of three hundred and ten (310) questionnaires that was shared among the groups used as the population of the study, three hundred (300) were returned while ten (10) were not returned. So, sample size here becomes three hundred (300).

 INSTRUMENT OF DATA COLLECTION

Research projects more often than not, seek to build on previous knowledge which may exist in published forms as well as in peoples unrecorded experiences. This research involves both data and other information which were obtained from primary and secondary sources in the form of previous publication.

PRIMARY DATA

These were collected by the use of well-structured questionnaires which were administered to the operation departments of UBA and Union bank, Enugu and also selected small scale enterprises in Enugu.

SECONDARY DATA

The secondary data sources are professional journals, newspapers, presented by experts on accounting and financial matters, textbooks, magazines, works done by researchers etc.

METHOD OF DATA COLLECTION AND INVESTIGATION

In carrying out this research, the main choice that had to be made is whether to embark on a detailed study or survey. A case study was deemed appropriate. The two banks and selected small scale enterprises were visited and interview conducted with the entrepreneurs and banks personnel, especially those found useful to the study such as operation managers. In most cases, journals, books and other materials relevant to the study were collected from the bank. Libraries were visited and internet to update the information acquired from the banks and also to acquire a strong theoretical back ground on the subject matter.
This approach, though time and finance consuming afforded me the opportunity to have an indebt evaluation of the speculated and actual role of commercial banks in financing small scale enterprises since it placed the researcher not just as mere listener but also as observer because the researcher went through the past records made available.

QUESTIONNAIRE ADMINISTRATION

Questionnaires were self-administered. They refer to questions by using a firm, which the respondent fills himself. Questionnaires constitute a principal source of data and from which references are drawn.

INTERVIEW METHODS

Interview method served as a supplement to questionnaires. It was employed to cover the deficiency of the questionnaires and sometimes to extract additional information where there is a conflict or bias.

METHOD OF DATA PRESENTATION

Data processing involves the following set of activities such as data sorting, categorizing of data, data coding and transferring coded data to tabulations. Method of data presentation in this study is Z-SCORE TEST. It would be used to analyze data derived from primary source i.e. questionnaires.
Formula: Z= (X-N) ÷ (-∂/√n)
When  X = sample mean
N= population mean
∂= sample standard deviation
N= number of respondents
Z= standard normal distribution
DECISION RULE:
If Z, that is, the standard normal distribution falls in the critical region i.e. 1.96, the null hypothesis is rejected and the alternate accepted.

HYPOTHESIS TO BE TESTED

Ho: United bank of Africa (UBA) does not comply with central bank of Nigeria (CBN) credit guideline.
Hi: United bank of Africa (UBA) complies with central bank of Nigeria (CBN) credit guidelines
Ho: Union bank of Nigeria Plc. does not comply with central bank of Nigeria (CBN) credit guideline.
H₂: Union bank of Nigeria plc. Complies with central bank of Nigeria credit guideline.

Title Page
Approval Page
Certification
Dedication
Acknowledgement
Abstract
Table of Contents
CHAPTER ONE: INTRODUCTION
1.1 Background of the study
1.2 Statement of the Problem
1.3 Objectives of the Study
1.4 Research Question
1.5 Hypotheses
1.6 significance of the Study
1.7 Limitations of the Study
1.8 Definition of terms
CHAPTER TWO: REVIEW OF RELATED LITERATURE
2.1 The meaning of Small Scale Enterprises
2.2 Roles and Importance of Small Scale Enterprises (SSEs)
2.3 Funding Needs and sources of Funds For Small Scale Enterprises (SSEs)
2.4 The predominance of Small Scale Enterprises In Nigeria
2.5 Problems facing Small Scale Enterprises in Nigeria
2.6 Commercial Banks financing Small Scale Enterprises Under the New Central Bank of Nigeria (CBN) Directive and its likely impact
CHAPTER THREE: RESEARCH DESIGN AND METHODOLOGY
3.1 Population of the Study
3.2 Determination of Sample Size
3.3 Instruments of Sample Size
3.4 Method of Data Collection
3.5 Method of Data Presentation
CHAPTER FOUR: DATA PRESENTATION AND ANALYSIS
4.1 Data Presentation-Primary Data
4.2 Presentation of Questionnaire Results in Percentages
4.3 Statistical Tools
4.4 Testing of Hypotheses
CHAPTER FIVE: SUMMARY OF FINDINGS, CONCLUSIONS AND RECOMMENDATIONS
5.1 Summary of Findings
5.2 Conclusion
5.3 Recommendations
5.4 Suggestions for Further Research
Bibliography
Appendices
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THE ROLE OF COMMERCIAL BANKS IN SMALL SCALE ENTREPRENEURIAL DEVELOPMENT IN ENUGU STATE (CASE STUDY OF UBA AND UNION BANK OF NIGERIA PLC.)