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The Effect of Pre-Post Bank Consolidation on the Accessibility of Finance to SMEs in Nigeria

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  • Kehinde A. Obasan
  • Kareem A. Arikewuyo

Abstract

Small and Medium Enterprises (SMEs) has been acknowledged as tool for solving basic economic problem of unemployment as it plays a significant role in economic growth and development. The Nigerian banks were characterised by poor capital base to foster economic development and growth, hence the need for consolidation. This study was carried out to ascertain whether bank consolidation exercise in Nigeria had improved accessibility of finance to SMEs in Nigeria or not. This study uses empirical analysis (Ordinary Least Square). The study found out that banks¡¯ consolidation has failed to foster a vibrant and competitive SMEs sector that could enhance job creation and economic growth in Nigeria, thus the need for government intervention. This study, therefore, submits that the government should evolve a workable policy at directing banks to channel finance to SMEs so that bank can play an active developmental role to achieve economic growth and development in Nigeria.

Suggested Citation

  • Kehinde A. Obasan & Kareem A. Arikewuyo, 2012. "The Effect of Pre-Post Bank Consolidation on the Accessibility of Finance to SMEs in Nigeria," Business and Management Research, Business and Management Research, Sciedu Press, vol. 1(3), pages 108-120, September.
    • Handle: RePEc:jfr:bmr111:v:1:y:2012:i:3:p:108-120
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    References listed on IDEAS

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    1. Shahidur R. Khandker, 2005. "Microfinance and Poverty: Evidence Using Panel Data from Bangladesh," The World Bank Economic Review, World Bank, vol. 19(2), pages 263-286.
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    Cited by:

    1. Umar Abbas Ibrahim & Ndidi Mildred Ifeyinwa, 2020. "Effect of bank lending on the growth of selected SMEs in Nigeria," International Journal of Research in Business and Social Science (2147-4478), Center for the Strategic Studies in Business and Finance, vol. 9(4), pages 237-243, July.
    2. Hedwigis Esti Riwayati, 2017. "Analysis Banking Role to Performance Improvement on Indonesia Small Medium Enterprises," European Research Studies Journal, European Research Studies Journal, vol. 0(3A), pages 717-728.
    3. Sandra Kendo & Josephine Tchakounte, 2022. "Impact of asset size on performance and outreach using panel quantile regression with non-additive fixed effects," Empirical Economics, Springer, vol. 62(1), pages 65-92, January.
    4. Ruzhi Xu & Tingting Guo & Huawei Zhao, 2022. "Research on the Path of Policy Financing Guarantee to Promote SMEs’ Green Technology Innovation," Mathematics, MDPI, vol. 10(4), pages 1-24, February.
    5. H.E. Riwayati & U. Salim & G. Maskie & N.K. Indrawati, 2020. "Financial Inclusion and Performance to Mediate the Effect of Banking and Tax Regulation on the Success of Small and Medium Enterprises in Indonesia," International Journal of Economics & Business Administration (IJEBA), International Journal of Economics & Business Administration (IJEBA), vol. 0(3), pages 517-533.
    6. Kendo, Sandra & Tchakounte, Josephine, 2022. "The drivers of the financial integration of microfinance Institutions: Do financial development, agency costs and microfinance performance matter?," The Quarterly Review of Economics and Finance, Elsevier, vol. 84(C), pages 128-142.

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    More about this item

    JEL classification:

    • R00 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - General - - - General
    • Z0 - Other Special Topics - - General

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