CREDIT ADMINISTRATION PRACTICES OF DEPOSIT MONEY BANKS AND THEIR EFFECTS ON SMALL AND MEDIUM ENTERPRISES IN NIGERIA

Registration ID: IJNRD_304968

Published ID: IJNRD2504610

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Ibrahim Idris

Bank credit administration, SMEs Performance. Bank Interest Rate, Collateral Security, Bank Credit Loan Repayment Period

Bank credit administration involves the process of lending credit to business operators. Small and Medium Enterprises (SMEs) are recognized as key drivers of economic growth in any nation. However, the impact of bank credit administration on improving SME performance remains a critical issue for entrepreneurs, scholars, and practitioners, especially in developing economies such as Nigeria. This study aims to examine the determinants of deposit money bank credit administration and its effect on the performance of SMEs in Benue State, Nigeria. A survey research design was adopted, using primary data. A sample of 363 SMEs was drawn from a population of 6,131 SMEs, all of which were expected to benefit from a business support scheme provided by six purposively selected deposit money banks: Access Bank Plc, Fidelity Bank Plc, First Bank Plc, Guaranty Trust Bank Plc, Union Bank, and Zenith Bank. The sample size was determined using Krejcie and Morgan’s (1970) sampling formula. A total of 360 valid questionnaires were returned for analysis.. The data were analyzed using both descriptive statistics (mean scores) and inferential statistics (Pearson Product Moment Correlation Coefficient [PPMCC] and multiple regression analysis). All tests were conducted at 95% confidence level. The mean score analysis revealed that bank interest rates, collateral security, and loan repayment periods are key determinants of SMEs' access to deposit money bank credit (BIR = 3.99, CS = 4.01, BCRP = 4.77). PPMCC analysis indicated significant correlations between bank interest rates and SMEs' performance (r = -0.263, r = 0.160, r = 0.305, P<.0.05). Additionally, multiple regression analysis (R2 = 0.818, Adj R2 = 0.813, P<.0.05) showed that bank credit administration significantly influences SMEs' performance. The study concludes that bank interest rates, collateral security, and loan repayment periods are significant factors influencing SMEs' access to bank credit and are closely linked to their performance in Benue State. Additionally, the findings highlight that bank credit administration variables have a significant effect on SMEs' performance. Based on these results, it is recommended that SME operators undergo appropriate training in risk management to enhance their ability to manage operational risks, as SMEs are crucial to the economic development of the

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Ibrahim Idris (April-2025). CREDIT ADMINISTRATION PRACTICES OF DEPOSIT MONEY BANKS AND THEIR EFFECTS ON SMALL AND MEDIUM ENTERPRISES IN NIGERIA. INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT, 10(4), g106-g118. https://ijnrd.org/papers/IJNRD2504610.pdf

Volume 10 Issue 4, April-2025

Pages : g106-g118

Paper Reg. ID: IJNRD_304968

Published Paper Id: IJNRD2504610

Research Area: Social Science All

Author Type: Foreign Author

Country: Nassarawa, Nassarawa State, Nigeria

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