In the after chapter, highlights the study of small-scale business as one which is owned and controlled by one or few persons, with direct owner influence in decision making.

Finally, this provides a very strong support for our eye-opener to the economy especially these that wises to start a small-scale business and these are who are already in the business.

TABLE OF CONTENTS

Title page.

Approval page.

Certification.

Dedication.

Acknowledgement.

Abstract.

Table of contents.

Chapter one

1 introduction

1.1 General background of study

1.2 Statement of problem

1.3 Objective Of The Study

1.4 Significance of the study

1.5 Scope / limitation of study

1.6 Definition of terms

1.7 References

chapter two

2 Literature review

2.1 General problems of small-scale enterprise in Nigeria

2.2 Managerial problems of small-scale enterprise in Nigeria

2.3 Problems of lending to small-scale enterprise in Nigeria

2.4 References

Chapter three

3 Data processing (highlights of the study)

3.1 Analysis of the data or summary.

3.2 Recommendation

3.3 Conclusion

3.4 Bibliography.

Chapter one

introduction

Small-scale enterprise is always the beginning of big business. Also has become a house hold name both in the public and private sectors of the economy. Built is said to note that little attention is paid to small-scale enterprise whereas they provide employment for approximately triple the number engaged in large scale manufacturing as well as promote indigenous technology, stem rural urban migration and enhance economic self-reliance.

They are faced with the economy problem of having limited source of invisible funds. Small business starts with personal saving and this situation incapacitates its operation. This problem has greatly affected the financial stand, structure and scope of operation.

The uncompromising attitude of banks in financing the activities of small-scale firm is caused by fear of inadequate collateral and inability to repay borrowed money by small-scale enterprises. There shortcoming make small-scale firms vulnerable and unattractive candidate for bank credit and hence they are generally under-capitalized. They do not operate in the organized financial market since they are usually unable to fulfill the costly condition of the stock market.

The government has not helped matters different government , at time have established thousand and one programmes, which the research branded old wines in anew bottle in the disguise of assisting and funding the small-scale firms. Practical experiences have shown that these programmes have not existed beyond their stages.

WHAT SMALL-SCALE BUSINESS IS ALL ABOUT

Although there has not been any universally accepted definition by researcher and practitioners as regard the definition of small-scale business.

According to central bank of Nigeria’s monetary policy circular defies, small-scale business as an enterprise whose annual turnover ranges between N 25,000 to N 500,000, which the Nigeria bank for commerce and industry as (1989) defines small-scale business enterprise as the firms or companies with assets including working capital but excluding land” not exceeding N 750,000 and paid employment up to 50 person”