In view of the important of SMEs, government has been playing an appreciation role in promoting their survival and growth, various policies towards this has enunciated plan and the ongoing three year rolling plan, priority was accorded industrialization with emphasis on SMEs.

Thus, it has been stated that the panacea for solving the problem of stunted economic growth of developing countries often reside in the adequate funding and development of the small and Medium Scale enterprise (SMEs). Indeed the establishment of that industrial and economic development of such India, Malaysia, Pakistan and Indonesia to name just a few.

Analyst have therefore continued to posit that Nigeria will continue to remain in a state of underdevelopment unless concerted efforts are made to achieve growth in the SMEs because the lack of development in this sector has continued to keep the Nigerian economy in the woods. One of the major impediments to the growth and development of this sub-sector is lack of adequate finding.

The promotion of small and medium enterprises is cornerstone of economic policy for a large number of industrialization countries. Public support for small and medium enterprises appears to be based on the widely held perception that small business sector is an incubator of economic growth, a place where innovation takes place and new ideas become economically viable business enterprises (Craig, Jackson and Thompson, 2005).

In line with this, the role of small and medium scale enterprises in fosters economic development has been well articulate in different form of government policies. The specific attention on them is based on their expected impact and potential contribution as well as accelerative effort in achieving macro objectives pertaining to full employment of local technology. They also serve as catalyst for increase national productivity and a veritable launching pad into the world export market.

Giving an insight into the small and medium scale enterprises phenomenon, the Nigerian economy does not seem to have been able to reap the advantages obtainable from the SMEs in the past. In the same vein, these industries complain about neglect or lack of government interest in their quest for rapid growth and development. The existing lukewarm relationship is not in the best interest of the economy.


It is for these reasons that the Nigerian government started to show interest in the affairs of SMEs in the 1970s to the present. Some of the positive actions taken by the government Include providing funds for some research into these industries, creating small scale industries division or departments, as well as small scale credit schemes in various states and at the federal level and giving the subject a pride of place in national development plans to the 1970s and 1980s particularly 1981 - 1985 plan.

Hence, in view of the growing public interest and governments realization of the many advantages of SMEs, the government has made some policies and distinct pronouncement with regards to the operation and promoting the sector (both economically and monetary). The monetary measures include the establishment of financial institutions to provided finance to the sector. Banks were also required to provide a specified proportion of their available credit to indigenous borrowers with particular emphasis to SMEs. In addition, various financial intermediaries were established: by monetary authorities to provide incentives to these growing industries and business with the specific purpose of aiding them financing managing business problems.

In line with the above statements, it is obvious that the study of this nature cannot be overemphasized because of the new look of the Nigerian banks and other financial institutions in providing the needed funds to small and medium scale enterprises.


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How To Write Chapter Three Of Your Research Project (Research Methodology)

  • Methodology In Research Paper

    Chapter three of the research project or the research methodology is another significant part of the research project writing. In developing the chapter three of the research project, you state the purpose of research, research method you wish to adopt, the instruments to be used, where you will collect your data, types of data collection, and how you collected it.

    This chapter explains the different methods to be used in the research project. Here you mention the procedures and strategies you will employ in the study such as research design, study design in research, research area (area of the study), the population of the study, etc. You also tell the reader your research design methods, why you chose a particular method, method of analysis, how you planned to analyze your data.

    Your methodology should be written in a simple language such that other researchers can follow the method and arrive at the same conclusion or findings.

    You can choose a survey design when you want to survey a particular location or behavior by administering instruments such as structured questionnaires, interviews, or experimental; if you intend manipulating some variables.

    The purpose of chapter three (research methodology) is to give an experienced investigator enough information to replicate the study. Some supervisors do not understand this and require students to write what is in effect, a textbook.

    A research design is used to structure the research and to show how all of the major parts of the research project, including the sample, measures, and methods of assignment, work together to address the central research questions in the study. The chapter three should begin with a paragraph reiterating the purpose of research. It is very important that before choosing design methods try and ask yourself the following questions: Will I generate enough information that will help me to solve the research problem by adopting this method?

    Method vs Methodology

    I think the most appropriate in methods versus methodology is to think in terms of their inter-connectedness and relationship between both. You should not beging thinking so much about research methods without thinking of developing a research methodology.

    Metodologia or methodology is the consideration of your research objectives and the most effective method and approach to meet those objectives. That is to say that methodology in research paper is the first step in planning a research project work.

    Design Methodology: Methodological Approach

    Example of methodology in research paper, you are attempting to identify the influence of personality on a road accident, you may wish to look at different personality types, you may also look at accident records from the FRSC, you may also wish to look at the personality of drivers that are accident victims, once you adopt this method, you are already doing a survey, and that becomes your metodologia or methodology.

    Your methodology should aim to provide you with the information to allow you to come to some conclusions about the personalities that are susceptible to a road accident or those personality types that are likely to have a road accident.

    The following subjects may or may not be in the order required by a particular institution of higher education, but all of the subjects constitute a defensible in metodologia or methodology chapter.

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