CHAPTER ONE INTRODUCTION 1.1   Background of the study Small and Medium Enterprises (SMEs) as defined by the Central Bank of Nigeria, in its credit guidelines to banks, state that in the case of Commercial Banks, refer to business enterprises…

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND OF THE STUDY Interest in the role of small and medium-sized enterprises (SMEs) in the development process continues to be in the forefront of policy debates in developing countries. The advantages claimed for SMEs are…