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首页> 外文期刊>Journal of Economics and Sustainable Development >Financing Small and Medium-Scale Enterprises for Sustainable Growth and Development in Nigeria: A Case Study of Zaria, Kaduna State
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Financing Small and Medium-Scale Enterprises for Sustainable Growth and Development in Nigeria: A Case Study of Zaria, Kaduna State

机译：尼日利亚为中小企业的可持续增长和发展融资：以卡杜纳州Zaria为例

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Economic growth and development can not be achieved without putting in place well – focused programmes to create employment opportunities, generation of income and reduction in poverty. This can be achieved through provision of credit facilities to small and medium-scale enterprises. This study therefore, has attempted an investigation into the role of financial institutions in financing Small and Medium – Scale enterprises in Zaria Local Government Area of Kaduna State. Using multivariate Logit regressions to analyze a sample of cross sectional data across 40 enterprises, and testing the hypothesis using the log-likelihood statistics, the study reject the null hypothesis that the total amount generated by financial institutions and disbursed to SMEs is not positively correlated with the development of the SMEs sub-sector. The study reveals that boardroom politics, loan repayment records, competition, interest rates value of fixed assets and bureaucratic procedures are some of important factors that determine the ability of prospective entrepreneurs in obtaining loans from financial institutions. It concludes with the recommendations that establishment of functional micro insurance schemes, granting loans to well established firms, removal of all structural and institutional bottlenecks and adoption of the ability to pay criteria in the disbursement of loans are necessary conditions to ensure vibrant SMEs in the country. Keywords: Financial Institutions, Credit Facilities, Small and Medium Scale Enterprise Sustainable Growth and Development, Entrepreneurs.
机译：如果没有适当地执行旨在创造就业机会，创收和减少贫困​​的重点突出的方案，就无法实现经济增长和发展。这可以通过向中小企业提供信贷便利来实现。因此，本研究试图调查金融机构在卡杜纳州Zaria地方政府区域中小型企业融资中的作用。该研究使用多元Logit回归分析了40家企业的横截面数据样本，并使用对数似然统计数据对假设进行了检验，该研究否定了零假设，即金融机构产生并支付给中小企业的总金额与中小企业子行业的发展。研究表明，董事会政治，贷款偿还记录，竞争，固定资产的利率价值和官僚程序是决定潜在企业家从金融机构获得贷款能力的一些重要因素。最后提出的建议是，建立实用的小额保险计划，向老牌公司提供贷款，消除所有结构性和机构性瓶颈以及采用支付能力来支付贷款是确保该国充满活力的中小企业的必要条件。 。关键字：金融机构，信贷机构，中小型企业的可持续增长和发展，企业家。

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