TABLE OF CONTENT 

Title page i

Approval page ii

Dedication iii

Acknowledgment iv

Table of contents vi

List of tables x

Abstract xii

CHAPTER ONE 

1.0 Introduction 1

1.1 Background of the study 1

1.2 Statement of the problem 4

1.3 Objective of the study 4

1.4 Scope of the study 5

1.5 Research questions 6

1.6 Significance of the study   7

CHAPTER TWO 

2.0 Review of literature 8

2.1 Definition of small scale enterprise 8

2.2 Financing enemies for small scale enterprise 10

2.3 Concept and evolution of leasing 18

2.4 Types of leasing 21

2.5 Central bank guidelines and leasing 26

2.6 Summary of related literature 28

CHAPTER THREE 

3.0 Methodology 30

3.1 Research design 30

3.2 Area of study 30

3.3 Population of the study 30

3.4 Sample and sampling procedure 31

3.5 Instrument for data collection 32

3.6 Validation of the research instruments 32

3.7 Reliability of the research instruments 33

3.8 Method of data collection 33

3.9 Method of data analysis 34

CHAPTER FOUR 

4.0 Data presentation and results 35

CHAPTER FIVE 

5.0 Discussion, implications, recommendations 44

5.1 Summary of findings 44

5.2 Discussion of results 45

5.3 Conclusion 50

5.4 Implications of the study 50

5.5 Recommendations 51

5.6 Suggestions for further studies 53

5.7 Limitation of the study 53

References 55

Appendix 56

LISTS OF TABLES

Table 2.1: Bank loans to small-scale enterprises as at 31st December 2000

Table 2.2 Actual lease portfolio of merchant banks loans advance and advances mattered against central bank prescribed ceiling.

Table 4.1 Responses from the respondents on the extent of small-scale industries obtaining adequate institutional credit.

 Table 4.2 Responses from the respondents on if they are aware of

the lease financing technique whereby companies can procure required plant and machinery without making an outright payment for them.

Table 4.3: Responses from the respondents on if their company made any effort in order to finance their company through leasing.

Table 4.4: Responses from the respondents on if the use of leasing resulted to any advantage.

Table 4.5: Response from the respondents on if their company will be in the positive to advise other companies to resort to leasing as means of finance to their companies.

Table 4.6: Responses from respondents on whether merchant banks help small scale enterprise in getting lease facilities.

Table 4.7: Responses from respondents on whether merchant banks helps small scale enterprise in getting lease facilities in accordance to with the central bank prescribed ceiling on lease portfolio.