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- W2345729171 abstract "Prior to the 2004 reform in the Nigerian bank~ sector, banks neglected the small and medium class saver andconcentrated more on big corporate savers. Many banks abandoned their essential intermediation role of mobilizingsavings and inculcating banking habit at the household and micro enterprise levels. This paper presents empiricalfindings on the effects of the 2005 bank consolidation on small business finance in Nigeria. The main objective ofthis paper is to assess the response of flow of credit from the banking sector to small and medium enterprises inNigeria. Data for the study were sourced from the list of the 25 post consolidation banks in Nigeria. Panel datacovering a period from 2004 to 20ll were analysed using the Levin, Lin and Chu panel unit root test analysis toascertain the authenticity and accuracy of the data series as well as its reliability on policy issues. The study adoptspanel regression approach comprising of fixed and random effect models and used Hausman Taylor option inselection of a more efficient estimator for the model equation. The study shows a percentage increase in postconsolidation asset base by over 9 percent for the banks and profit maximization increases by 72 percent whichcould translate to increased bank propensity and readiness to lend. There is also a significant increase in SMEcredit supply accessible by firms resulting to increase investment and consolidated effort to encourage thedevelopment of more SME driving enterpr ise. The study therefore recommends that cr edit policy effect shouldensure that banks reorganize their asset portfolios so as to create more provision for lending t o small firms ratherthan implementing policies that allow for more stringent conditions and r equirements that discourage futuredevelopment of SME investments in the economy" @default.
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- W2345729171 date "2015-01-01" @default.
- W2345729171 modified "2023-09-23" @default.
- W2345729171 title "Bank Consolidation and Small Business Financing in Nigeria" @default.
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