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TABLE OF CONTENTS
Title Page
Title
Page – – – – – – – – – i
Declaration
– – – – – – – – – ii
Certification – – – – – – – – – iii
Dedication
– – – – – – – – – iv
Acknowledgement
– – – – – – – – – v
Table
of Contents – – – – – – – – –
vii
List
of Tables – – – – – – – – – x
Abstract – – – – – – – – – –
xi
CHAPTER ONE: INTRODUCTION
1.1 Background to the Study – – – – – – – 1
1.2 Statement of the Problem – – – – – – – 4
1.3
Objectives of the Study – – – – – – – 8
1.4
Research Questions – – – – – – – 9
1.5
Research Hypotheses – – – – – – – 10
1.6
Scope of the Study – – – – – – – 10
1.7
Limitations of the Study- – – – – – – – 11
1.6
Significance of the Study – – – – – – – 11
1.9
Organization of study – – – – – – – 12
1.10
Definition of terms – – – – – – – 13
CHAPTER
TWO: REVIEW OF RELEVANT LITERATURE
2.1 Conceptual
Framework – – – – – – 15
2.1.1 Conceptual Overview of Deposit Money Banks – – – 15
2.1.2 Developments
in the Banking Sector – – – – 16
2.1.3 Deposit
Money Banks’ Lending – – – – – 21
2.2 The
Private Sector – – – – – – – 22
2.2.1 Types
of Private Sector Businesses – – – – – 23
2.2.2 Private
and Public Sector Differences- – – – – 24
2.2.3 Positioning
the Nigeria’s private sector for economic growth – 25
2.2.4 Impact
of Deposit Money Banks’ Lending on the Growth of
the Nigerian
Private Sector. – – – – – – 28
2.3 Theoretical
Framework – – – – – – 29
2.3.1 Financial
Intermediation Theory – – – – – 29
2.3.2 Multiple-Lending
Theory – – – – – – 31
2.3.3 Supply
Leading Theory – – – – – – 32
2.3.4 Keynesian
Theory of Consumption, Savings, Investment, and
Interest Rate – – – – – – – – 33
2.4 Empirical
Review – – – – – – – 35
CHAPTER THREE: RESEARCH METHODOLOGY
3.1
Introduction- – – – – – – – – 42
3.2
Research Design – – – – – – –
– 42
3.3 Types and Sources of Data – – – – – – – 43
3.4
Area of Study – – – – – – – – 43
3.5 Population of the study – – –
– – – – 43
3.6 Method of Data Analysis – – – – – – 43
3.7 Model Specification – – – – – – – 44
CHAPTER FOUR: DATA
PRESENTATION, ANALYSIS AND INTERPRETATION
4.1
Introduction- – – – – – – – – 46
4.2
Presentation of data- – – – – – – `- 47
4.3
Relationship Analysis – – – – – – – 48
4.3.1
Testing of Hypothesis One – – – – – – 49
4.3.2 Testing of Hypothesis Two – – – – – – 54
4.3.3 Discussion of Findings- – – – – – – 59
CHAPTER
FIVE:
SUMMARY, CONCLUSION AND RECOMMENDATION
5.1 Summary – – – – – – – – – 61
5.2
Conclusion – – – – – – – – 63
5.3 Recommendations – – – – – – – 64
References – – – – – – – – – 66
LIST
OF TABLES
Table
4.1: Variables of study – – – – – – – 47
Table 4.2: Relationship between bank loans
and
domestic
private Investments. – – – – – – 50
Table 4.3: Regression Result Showing relationship
between
bank loans and manufacturing output growth – – – – 55
ABSTRACT
This study is aimed at
examining the effect of deposit money bank lending on the growth of private sector
in Nigeria between 1995 and 2015. This study adopted the expost facto research
design, in order to achieve the objectives stated in the study. Data used in
the study was obtained through secondary sources from CBN statistical bulletin
and, internet browsing, etc. The ordinary least square multiple regression
technique was used to test the hypotheses stated in the study. From the
findings, it was discovered that deposit money bank lending has a significant
relationship with domestic private investments and manufacturing output as
indicators of private sector growth. It was also realized that bank loans was statistically
related with domestic private investments, while money supply indicated a
statistically significant relationship with Manufacturing Output. It was
concluded that deposit money bank lending has a significant positive effect on
the growth of the private sector in Nigeria. Therefore, it was recommended that
greater efforts should be structured toward increased short, medium and long
term loans to private sector investors, as well as the manufacturing sector,
agricultural sector and SMEs, as they constitute an integral part of the growth
and transformation process of an economy like that of Nigeria.
In
a modern economic system, there is a distinction between the surplus and
deficit economic units and consequently a separation of the savings and
investment mechanism. This has necessitated the existence of financial
institutions whose jobs include the transfer or remission of funds from savers
to investors (borrowers) (Levine, 1997). One of such institutions are the
deposit money banks. Shittu (2012) opines that the intermediation roles of the
deposit money banks place them in a position of trustees of the savings of the
widely dispersed surplus economic units as well as the determinant of the rate
and shape of the economic development.
The
Nigerian financial system is dominated by the banking sector, especially the
deposit money banks which has the largest share of deposits in the economy and
also provides the foundation for the development of financial system. Deposit
money banks are financial institutions that provide financial services, such
as, acceptance of deposits, issuance of loans and advances, mortgage lending
and other financial products, such as savings accounts, current accounts,
certificates of deposit, among others. According to the mainstream theory,
deposit money banks act as financial i
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