%0 Journal Article
	%A Chimaobi Valentine Okolo
	%D 2015
	%J International Journal of Economics and Management Engineering
	%B World Academy of Science, Engineering and Technology
	%I Open Science Index 105, 2015
	%T The Impact of Bank Consolidation on Lending to SMES in Nigeria
	%U https://publications.waset.org/pdf/10002445
	%V 105
	%X This paper seeks to assess the implications of bank
consolidation on lending, which largely determine the survival and
performance of small and medium scale enterprises and in turn the
development of the Nigerian economy. Ordinary least square
technique, correlation matrix test and Granger –causality test were
employed to measure the extent to which lending to small and
medium scale enterprises were influenced. The result showed that
bank deposit (BD) impacted on lending to small and medium scale
enterprises. Commercial and merchant bank lending rate had
statistically insignificant effect on the dependent variable. There is a
shift of focus by commercial banks from small and medium scale
enterprises (small customers) to major investors (big customers).
While micro finance banks work hard at providing funds to small and
medium scale entrepreneurs, their capacity to meet the needs of these
entrepreneurs is constrained. The capital and deposits of micro
finance bank should be boosted in order to effectively support small
and medium scale enterprises through loans.
	%P 3166 - 3170