Credit Risk Management and Entrepreneurship Development in Nigeria: A Case Study of Small and Medium Scale Industries in Ondo State
Keywords:
MSMEs, Performance, Local Government Support, Urban Centers, Wolaita.
Abstract
The paper summarizes the arguments and counterarguments within the scientific discussion on credit risk management and entrepreneurship development in Nigeria with focus on small and medium scale industries in Ondo State. The objective of the study is to examine the effect of credit risk management on entrepreneurship development. The study adopted the use of descriptive statistics and regression analysis method to test the hypothesis formulated. The results indicated that entrepreneurship development is being hampered by ineffective credit risk management. The findings has shown that Small Scale Enterprise still suffers greatly from inadequate policy on fund raising, lack of risk management personnel, lack of credit advisory unit in loan houses and Inability to determine appropriate source of funding which significantly affects their level of development. The findings of this study have also found out that the Nigerian markets are filled with numerous business opportunities. Based on the findings, it was recommended that increased government support, uninterrupted power supply and communication link, provision of skilled manpower and computer wizard in operation of payment system, collaboration among banks, provision of adequate security and fight against corruption would assists and improve the growth and development of entrepreneurship in Nigeria.
References
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Azende, T. (2012). Risk Management and Insurance of Small and Medium Scale Enterprises (SMEs) in Nigeria. International Journal of Finance and Accounting, 1(1), 8-17.
Baumol, W. J. (1993). Formal Entrepreneurship Theory in Economic: Existence and Bonds. Journal of Business Venturing 8, 197-210
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Blanchflower,T.& David, P. & Andrew O. (1998). What Makes an Entrepreneur, Journal of Labor Economics, 16(1) 26-60
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Chidi, C. & Shadare, O. (2011). Managing human capital development in small and medium sized enterprises for sustainable national development in Nigeria. International Journal of Management and Information Systems, 15(2), 95-104
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Crouhy, M.; Galai, D. & Mark, T. (2006). The Essentials of Risk Management. McGraw-Hill. USA
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Ekpenyong, D.B.E. & Nyong, M. O. (1992). Small and medium-scale enterprises development In Nigeria. Seminar Paper on Economic Policy Research for Policy Design and Management in Nigeria. NCEMA/AEPC, Nigeria, April 24-25.
Essien, O. E. (2001). The Role of Development Finance Institutions in the Financing of Small Scale Industries. CBN Bullion. 25(3).
Evans, P. David S., and Boyan, J. (1989). An estimated model of entrepreneurial choice under liquidity constraints, Journal of Political Economy 97, 808-827
Fabunmi, B .C. (2004). Small and Medium Scale Industries Nigeria: Problems, Prospects and Management Techniques; 2nd Ed. Akure, JBS Printing and Publishing
Golis, C. (1998). Enterprise and Venture Capital: A Business Builder and Investment Handbook, 3rd edition, Australia: Allen and Urwin
Honourary Presidential Advisory Council on Investment in Nigeria (HPACI, 2002). Sectoral Profiles on Small and Medium Scale Enterprises. 1(2), May.
Hurst, R. E. & Annamaria,L. (2004). Liquidity Constraints, Household Wealth, and Entrepreneurship. Journal of Political Economy, 112(2), 319-471
Ilpo, A., Passi, M. & Mikko, K. (2004). Intergenerational Transmission of Poverty in Finland in the 1990s. University of Turkey, Department of social Policy Series C: 13.
Inang, E.E. & Ukpong, G.E. (1992). A review of small-scale enterprises credit delivery strategies in Nigeria. Economic and Financial Review. CBN, 30(4), December.
Irwin, F. (1966). The Propensity to save in India, Dr. P. S. Loknathan 72nd Birthday Commemoration Volume, VoveedCo. Bombay. 163-170
John, A. & Olorunfemi Y. & ALIMI, B. (2011). International Journal of Social Sciences and Entrepreneurship 1, Issue 11, 2014 http://www.ijsse.org ISSN 2307-6305
Kairu, P K. (2009). Credit Management Second Edition, Focus Publishers Ltd Nairobi
Kauffman, C. (2005). Financing SMEs in Africa. Policy Insights, A publication of the OECD development centre.
King, R. & Levine, R. (1993). Finance, Entrepreneurship and Growth: Theory and evidence. Journal of Monetary Economics. 32(1), 513-542
Kpelai, S. T. (2009). Entrepreneurship Development in Nigeria. Makurdi: Aboki Publishers.
Luy, D. D. (2010). Evaluation of Credit Risk Management Policies and Practices in a Vietnamese Joint-Stock Commercial Banks Transaction Office. Business Economics and Tourism.
Mainoma, M.A. (2005). The nexus between risk and investment decision: Experiences from Nigerian investment climate, Nigeria Journal of Accounting Research, Department of Accounting, ABU, Zaria. 1(3) Dec., 2005. 64
Mambula, C. (2002). Perceptions of SME growth constraints in Nigeria. Journal of Small Business Management, 40 (1), 58-65.
Mambula, T. & Charles, A. (2002). Perception of SME Growth Constraints in Nigeria. Journal of Small Business Management, 40(1), 58-65.
Margrabe, K. (2007). The incidence of secured debt: evidence from the small business community, Journal of Financial and Quantitative Analysis, 24(1) 379-94.
Mason, G. & Roger B. (1998). A capital adequacy framework for Islamic banks: the need to reconcile depositors' risk aversion with managers' risk taking, Applied Financial Economics, 14(4), 429-41.
Morris, J. (2001). Risk Diversification in the Credit Portfolio: An Overview of Small and Medium-Scale Enterprises Financing and Economic Growth in Nigeria: Error Correction Mechanism
Murthy, N. (1989). Entrepreneurship in Small Towns, In Samuddin (ed) Entrepreneurship Development in India, Mittal Publication, Delhi 4.
Mwirigi P. & Kwagara, A. (2006). An Assessment of Credit Risk Management techniques adopted by micro finance institutions in Kenya.Unpublished MBA research project, University of Nairobi.
Njoku, S. (2007). The capital flight challenge for the Nigerian industrial sector. Real Sector Digest, Business Day, August 15.
Ohanga, M. (2005). Bank lending practices to small and medium sized enterprises. Retrieved November11, 2009 from http.
Ohanga, M. (2005). Bank lending practices to small and medium sized enterprises. Retrieved November11, 2009 from http
Ojo, A.T. (2004). Using SME’s to Achieve Millennium Development Goals: Lessons of Experience from other Countries, Paper Presented at the 2004 SMED’s SME Stakeholders’ Conference, Kaduna December 2004.
Ojo, A.T. (1984). Banking In Nigeria, London: Graham Burn
Onugu, B. (2005). Tackling obstacles to accessing SMEEIS fund. Nigeria Tribune, Thursday, 2 March.
Owualah, S. I. (1999) Entrepreneurship in Small Business Firms, Lagos; G. Mag Investment Limited
Plourd, K. (2009). Rethinking risk. CFO. January: 66-69. Pretorius M, Shaw G (2004). Business plans in bank decision-making when financing new ventures in South Africa. South Afr. J. Econ. Manage. Sci., 7(2): 221-241. [Online].
Sanusi, J. (2004). Research study presentation at the National summit on revamping small and medium industries, This Day. 10, (3243), 25.
Say, J. B. (1994). A Treatise of Political Economy or the Production, Distribution and Consumption of Wealth Entrepreneurs in India, in Samiuddin (ed) Entrepreneurship in Development in India. Mittal Publication Delhi 39
Schneider-Barthold, W. (2002). Africa’s aborted industrialisation: Modernisation strategies impede organic industrial growth. D+C Development and Cooperation. 1(1), 15-17, Deutsche Stiftung Fur Internationale Entwicklung (DSE), Germany.
Schumpeter, J. A. (1934). The Theory of Economic Development. HarvardUniversity Press. Cambridge. M. A.
Schumpeter, J. A. (1959). The Theory of Economic Development. HarvardUniversity Press, Cambridge, Massachusetts.
Schumpeter, Joseph A. (1951). Economic Theory and Entrepreneurial History, in R. V. Clemence, (ed). Essays on Economic Topics of Joseph Schumpeter. Port Washington, NY: Kennikat Press
Somoye, R.O.C. (2011). The Role of Financial Intermediation in Entrepreneurship Financing in Nigeria – Thesis in partial fulfilment of the Business School, Faculty of Business and Creative Industries, University of the West of Scotland, Scotland United Kingdom, for the award of Doctor of Philosophy (Ph.D.)
Storey, D. J. (2003). Entrepreneurship, Small and Medium Sized Enterprises and Public Policies, In Z. J. Acs& D. B. Audretsch (eds). Handbook of Entrepreneurship Research (473 – 511). Heidelberg, Germany: Springer Science + Business Media.
Sule, E.I.K. (1986). Small scale industries in Nigeria: Concepts, appraisal of government policies and suggested solutions to identified problems, CBN Economic and Financial Review, 24(4).
Tandon, B. C. (1973). Environment and Entrepreneur, Chug Publication, Allahabad. 60
Torres-Reyna, O. (2007). Panel data analysis: Fixed and random effects using STATA, Princeton University. Available from http://dss.princeton
Vaughan, E. J. (1997). Risk Management, New York: wiley
Vision 2020 (2009). National Technical Working Group on Small and Medium Enterprises (SMEs). Abuja: Vision 2020, Nigeria
Williams, O. & Bultrick, J. (1969). Economic Development – Change and Entrepreneur, Cambridge University Press. 265-285
World Bank (2010). World Bank group support for small business. Washington DC:
Yushau I. A. (2009). Lecturer Department of Business Administration Faculty of Social and Management Sciences Kaduna State University ACRN Journal of Entrepreneurship Perspectives 2 (2), 21-45, Oct. 2013 ISSN 2224-9729
Agumagu, A.C. (2006). Finance for Industry and Commerce, the Business of Banking, Lectures and Proceedings at the 26th International Banking Summer School, Oxford.
Akabueze, B. (2002). Prospectus on Nigeria SMEs under the Small and Medium Industries Investment Scheme (SMIEIS). Accessed August 14, 2009 from www.nigeriabusinessinfor.com/nigerian-smes2000.htm
Aladekomo, F.O. (2003). The Small and Medium Enterprises (SME) Landscape: Environment, Government Policies, programmes, and Institutional Support, A paper delivered at the two-day workshop on Strategies for Operationalizing Small and Medium Industries Equity Investment Scheme (SMIES) in Nigeria on 23-24 August, 2003, at WEMA Bank Training School, Oba Akran Avenue, Ikeja, Lagos, Nigeria.
Alfred, S.H. (2011). Record Keeping and Accounts as a Tool for Growth of Small Scale Enterprises in Nigeria Economy. Multidisciplinary Journal of Empirical Research, 9 (1), 110-120.
Allal, M. (1999). Business Development Services for MSEs in Thailand in MSE Development and Poverty Alleviation in Thailand, Finnega Gerry (ed.), and ILO/UNDP Working paper
Allen, N. & Udell, G. F. (2002). Small business credit availability and relational lending: the importance of bank organisational structure. The Economic Journal. 112 (2), 32-53.
Amaeshi, U.F. (2005). Entrepreneurship, Enugu. Publishers Ltd
Amaeshi, U.F (2007). Entrepreneurship as a core Economic Development Strategy for Nigeria; Journal of Business & Management Studies, 1(2). 1-9
Anic, V. & Paus, V. (1998). The Croatian SME study: Best practice in Financing SMEs in SECI and CEI Countries In: Final Report of UN/ECE Expert Meeting on Best practice in Financing SMEs. Geneva
Aruwa, S.A.S. (2004). Financing options for small and medium- scale enterprises in Nigeria, The Nigeria Journal of Accounting and Research, Department of Accounting, Ahmadu Bello University, Zaria. 1 (2).
Aruwa, S.A.S (2004). Financing options for small and medium-scale enterprises in Nigeria, The Nigerian Journal of Accounting and Research, Department of Accounting, Ahmadu Bello University, Zaria. 1(2), June.
Azende, T. (2012). Risk Management and Insurance of Small and Medium Scale Enterprises (SMEs) in Nigeria. International Journal of Finance and Accounting, 1(1), 8-17.
Azende, T. (2012). Risk Management and Insurance of Small and Medium Scale Enterprises (SMEs) in Nigeria. International Journal of Finance and Accounting, 1(1), 8-17.
Baumol, W. J. (1993). Formal Entrepreneurship Theory in Economic: Existence and Bonds. Journal of Business Venturing 8, 197-210
Beck, T. Demirgue-Kunt, L. & Levine, K. (2006). SMEs, growth, and poverty. National Bureau of Economic Research Working paper 11224, Cambridge
Beck, T T. &Demirguc-Kunt, L. (2006). Small and medium-sized enterprises: Access to finance as a growth constraint. Journal of Banking and Finance. 2931-2943.
Blanchflower,T.& David, P. & Andrew O. (1998). What Makes an Entrepreneur, Journal of Labor Economics, 16(1) 26-60
Central Bank of Nigeria (2008). Statistical Bulletin. Central Bank of Nigeria Publication. 1-420.
Chidi, C. & Shadare, O. (2011). Managing human capital development in small and medium sized enterprises for sustainable national development in Nigeria. International Journal of Management and Information Systems, 15(2), 95-104
Colquitt, J. (2007). Credit Risk Management: How to Avoid Lending Disasters & Maximize Earnings. 3rd Edition. McGraw-Hill. USA.
Crouhy, M.; Galai, D. & Mark, T. (2006). The Essentials of Risk Management. McGraw-Hill. USA
Drucker Peter F. (1985). Innovation and Entrepreneurship. Heinemann, London, 20.
Ekpenyong, D.B.E. & Nyong, M. O. (1992). Small and medium-scale enterprises development In Nigeria. Seminar Paper on Economic Policy Research for Policy Design and Management in Nigeria. NCEMA/AEPC, Nigeria, April 24-25.
Essien, O. E. (2001). The Role of Development Finance Institutions in the Financing of Small Scale Industries. CBN Bullion. 25(3).
Evans, P. David S., and Boyan, J. (1989). An estimated model of entrepreneurial choice under liquidity constraints, Journal of Political Economy 97, 808-827
Fabunmi, B .C. (2004). Small and Medium Scale Industries Nigeria: Problems, Prospects and Management Techniques; 2nd Ed. Akure, JBS Printing and Publishing
Golis, C. (1998). Enterprise and Venture Capital: A Business Builder and Investment Handbook, 3rd edition, Australia: Allen and Urwin
Honourary Presidential Advisory Council on Investment in Nigeria (HPACI, 2002). Sectoral Profiles on Small and Medium Scale Enterprises. 1(2), May.
Hurst, R. E. & Annamaria,L. (2004). Liquidity Constraints, Household Wealth, and Entrepreneurship. Journal of Political Economy, 112(2), 319-471
Ilpo, A., Passi, M. & Mikko, K. (2004). Intergenerational Transmission of Poverty in Finland in the 1990s. University of Turkey, Department of social Policy Series C: 13.
Inang, E.E. & Ukpong, G.E. (1992). A review of small-scale enterprises credit delivery strategies in Nigeria. Economic and Financial Review. CBN, 30(4), December.
Irwin, F. (1966). The Propensity to save in India, Dr. P. S. Loknathan 72nd Birthday Commemoration Volume, VoveedCo. Bombay. 163-170
John, A. & Olorunfemi Y. & ALIMI, B. (2011). International Journal of Social Sciences and Entrepreneurship 1, Issue 11, 2014 http://www.ijsse.org ISSN 2307-6305
Kairu, P K. (2009). Credit Management Second Edition, Focus Publishers Ltd Nairobi
Kauffman, C. (2005). Financing SMEs in Africa. Policy Insights, A publication of the OECD development centre.
King, R. & Levine, R. (1993). Finance, Entrepreneurship and Growth: Theory and evidence. Journal of Monetary Economics. 32(1), 513-542
Kpelai, S. T. (2009). Entrepreneurship Development in Nigeria. Makurdi: Aboki Publishers.
Luy, D. D. (2010). Evaluation of Credit Risk Management Policies and Practices in a Vietnamese Joint-Stock Commercial Banks Transaction Office. Business Economics and Tourism.
Mainoma, M.A. (2005). The nexus between risk and investment decision: Experiences from Nigerian investment climate, Nigeria Journal of Accounting Research, Department of Accounting, ABU, Zaria. 1(3) Dec., 2005. 64
Mambula, C. (2002). Perceptions of SME growth constraints in Nigeria. Journal of Small Business Management, 40 (1), 58-65.
Mambula, T. & Charles, A. (2002). Perception of SME Growth Constraints in Nigeria. Journal of Small Business Management, 40(1), 58-65.
Margrabe, K. (2007). The incidence of secured debt: evidence from the small business community, Journal of Financial and Quantitative Analysis, 24(1) 379-94.
Mason, G. & Roger B. (1998). A capital adequacy framework for Islamic banks: the need to reconcile depositors' risk aversion with managers' risk taking, Applied Financial Economics, 14(4), 429-41.
Morris, J. (2001). Risk Diversification in the Credit Portfolio: An Overview of Small and Medium-Scale Enterprises Financing and Economic Growth in Nigeria: Error Correction Mechanism
Murthy, N. (1989). Entrepreneurship in Small Towns, In Samuddin (ed) Entrepreneurship Development in India, Mittal Publication, Delhi 4.
Mwirigi P. & Kwagara, A. (2006). An Assessment of Credit Risk Management techniques adopted by micro finance institutions in Kenya.Unpublished MBA research project, University of Nairobi.
Njoku, S. (2007). The capital flight challenge for the Nigerian industrial sector. Real Sector Digest, Business Day, August 15.
Ohanga, M. (2005). Bank lending practices to small and medium sized enterprises. Retrieved November11, 2009 from http.
Ohanga, M. (2005). Bank lending practices to small and medium sized enterprises. Retrieved November11, 2009 from http
Ojo, A.T. (2004). Using SME’s to Achieve Millennium Development Goals: Lessons of Experience from other Countries, Paper Presented at the 2004 SMED’s SME Stakeholders’ Conference, Kaduna December 2004.
Ojo, A.T. (1984). Banking In Nigeria, London: Graham Burn
Onugu, B. (2005). Tackling obstacles to accessing SMEEIS fund. Nigeria Tribune, Thursday, 2 March.
Owualah, S. I. (1999) Entrepreneurship in Small Business Firms, Lagos; G. Mag Investment Limited
Plourd, K. (2009). Rethinking risk. CFO. January: 66-69. Pretorius M, Shaw G (2004). Business plans in bank decision-making when financing new ventures in South Africa. South Afr. J. Econ. Manage. Sci., 7(2): 221-241. [Online].
Sanusi, J. (2004). Research study presentation at the National summit on revamping small and medium industries, This Day. 10, (3243), 25.
Say, J. B. (1994). A Treatise of Political Economy or the Production, Distribution and Consumption of Wealth Entrepreneurs in India, in Samiuddin (ed) Entrepreneurship in Development in India. Mittal Publication Delhi 39
Schneider-Barthold, W. (2002). Africa’s aborted industrialisation: Modernisation strategies impede organic industrial growth. D+C Development and Cooperation. 1(1), 15-17, Deutsche Stiftung Fur Internationale Entwicklung (DSE), Germany.
Schumpeter, J. A. (1934). The Theory of Economic Development. HarvardUniversity Press. Cambridge. M. A.
Schumpeter, J. A. (1959). The Theory of Economic Development. HarvardUniversity Press, Cambridge, Massachusetts.
Schumpeter, Joseph A. (1951). Economic Theory and Entrepreneurial History, in R. V. Clemence, (ed). Essays on Economic Topics of Joseph Schumpeter. Port Washington, NY: Kennikat Press
Somoye, R.O.C. (2011). The Role of Financial Intermediation in Entrepreneurship Financing in Nigeria – Thesis in partial fulfilment of the Business School, Faculty of Business and Creative Industries, University of the West of Scotland, Scotland United Kingdom, for the award of Doctor of Philosophy (Ph.D.)
Storey, D. J. (2003). Entrepreneurship, Small and Medium Sized Enterprises and Public Policies, In Z. J. Acs& D. B. Audretsch (eds). Handbook of Entrepreneurship Research (473 – 511). Heidelberg, Germany: Springer Science + Business Media.
Sule, E.I.K. (1986). Small scale industries in Nigeria: Concepts, appraisal of government policies and suggested solutions to identified problems, CBN Economic and Financial Review, 24(4).
Tandon, B. C. (1973). Environment and Entrepreneur, Chug Publication, Allahabad. 60
Torres-Reyna, O. (2007). Panel data analysis: Fixed and random effects using STATA, Princeton University. Available from http://dss.princeton
Vaughan, E. J. (1997). Risk Management, New York: wiley
Vision 2020 (2009). National Technical Working Group on Small and Medium Enterprises (SMEs). Abuja: Vision 2020, Nigeria
Williams, O. & Bultrick, J. (1969). Economic Development – Change and Entrepreneur, Cambridge University Press. 265-285
World Bank (2010). World Bank group support for small business. Washington DC:
Yushau I. A. (2009). Lecturer Department of Business Administration Faculty of Social and Management Sciences Kaduna State University ACRN Journal of Entrepreneurship Perspectives 2 (2), 21-45, Oct. 2013 ISSN 2224-9729
Published
2020-03-12
How to Cite
Kayode, O. J., Popoola, M. A., & Adeyinka, A. J. (2020). Credit Risk Management and Entrepreneurship Development in Nigeria: A Case Study of Small and Medium Scale Industries in Ondo State. International Journal of Small and Medium Enterprises, 3(1), 18-33. https://doi.org/10.46281/ijsmes.v3i1.512
Section
Original Articles/ Short Communications
Copyright (c) 2020 Ogunyemi Joseph Kayode,Mufutau Akanmu Popoola,Adewole Joseph Adeyinka
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