![]() ![]() This paper examined the impact of bank consolidation on credit access and availability to small and medium scale enterprises (SME's) in Nigeria for the period 1999-2012. ![]() Apart from these limitations this research may provide insights to the managers of SMEs and Microfinance firms to make availability of funds to SMEs because they can boost the country's economy and bring higher profit. Another limitation is that it excludes many variables of reward due to shortage of time. The major limitation of this research is that this study only covers the SMEs sector. The data for this study were purposely collected through the secondary sources and analyzed using content analysis approach. ![]() It is founded from different results that business credibility availability has an impact on SMEs. Firms with access to funding are able to build up inventories to avoid stocking out in periods of crisis, while in conditions of macroeconomic instability, use of credit increases growth of surviving firms. Access to external resources allows for flexibility in resource allocation and reduces the impact of cash flow problems on firm activity. Credit contributes to enterprises development in a number of ways. One of the reasons why firms form linkages and relations with one another as well as with financial institutions is to access credit for business growth. Finance is a key input in the development and growth of business enterprise. ![]()
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