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All Journal Journal of Management - Small and Medium Enterprises (SME's)
Ebenezer, Ariyibi Mayowa
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Economics, Econometrics & Finance

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FINANCIAL TECHNOLOGY, BANK INTERMEDIATION, AND PERFORMANCE OF SMALL AND MEDIUM SCALE ENTERPRISES IN NIGERIA Abiodun, Sopelola Tolulope; Ebenezer, Ariyibi Mayowa; O, Yinusa Ganiyu; O, Asogba Israel
Journal of Management Small and Medium Enterprises (SMEs) Vol 17 No 3 (2024): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v17i3.18486

Abstract

The performance of the small and medium-scale enterprises is a function of internal and external factors, which are challenges for the enterprises to consider in their internal operations that spur the contribution to economic development. The inability to align with financial technology and the availability of bank intermediation prowess could retard their supposed contribution to economic development due to poor levels of performance. In the peculiarity of these challenges, this study examines the combined effect of financial technology and bank intermediation on small and medium-scale enterprises' performance. The study adopted time series data from the Central Bank Statistical Bulletin from 2019 to 2022 but was converted to quarterly data to accommodate the ordinary square least regression. The findings from the short-run results in accordance with the bound test revealed that point-of-sale, loan-to-deposit ratio, liquidity ratio, and interest rate have a positive significant effect on credit for small and medium-scale enterprises, while automated teller machines and deposit mobilization have a negative significant effect on credit for small and medium-scale enterprises. It is therefore recommended that financial institutions also reconsider their reliance on ATMs in SME operations, as it has a substantial negative impact. Encouraging web-based payment systems could also be beneficial, though further studies are needed to assess their full potential. Strengthening financial indicators like loan-to-deposit ratios and liquidity ratios should be prioritized to enhance credit provision. Additionally, financial institutions should explore alternative deposit mobilization strategies that do not constrain credit flow to SMEs. Keywords: Financial Technology; Bank Intermediation; SME’s Performance; Interest Rate
FISCAL POLICY AND SMALL AND MEDIUM SCALE ENTERPRISES PERFORMANCE IN NIGERIA Ebenezer, Ariyibi Mayowa; O, Efemena Emily; Enitan, Olowofela Olusola
Journal of Management Small and Medium Enterprises (SMEs) Vol 18 No 1 (2025): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v18i1.19804

Abstract

The macroeconomic policies, which fiscal policy is inclusive of, are very germane in determining the performance level in the country, most especially in determining the developmental quota that the small and medium scale enterprises would contribute to the economy, so poor usage of the fiscal policy can stifle the effectiveness of the SMEs’ performance, and their contributive role has a source of growth in an economy. Based on their relevance, this study examines the impact of fiscal policy on small and medium-scale enterprises' performance in Nigeria. The secondary time series data was sourced from the Central Bank Statistical Bulletin and the National Bureau of Statistics from the period 1991 to 2022. The ARDL (Auto-Regressive Distributed Lag) was employed to draw inferences after being informed by the unit-root test. The findings revealed that the expansionary measure of fiscal policy shows that government re-recurrent expenditure has a negative insignificant effect on small and medium-scale enterprises' total credit from commercial banks. Government capital expenditure has a negative significant effect on small and medium-scale enterprises' total credit from commercial banks. The contractionary measure of fiscal policy shows that value-added tax has a positive significant effect on small and medium-scale enterprises' total credit from commercial banks. Company income tax has a negative significant effect on small and medium-scale enterprises' total credit from commercial banks, while electricity consumption has a negative insignificant effect on small and medium-scale enterprises' total credit from commercial l banks. It is therefore recommended that policymakers should enhance the efficiency of capital expenditure to support SME-enabling projects and infrastructure. Keywords: Fiscal Policy; SME’s; Government Expenditure; Taxation and ARDL
DETERMINANTS OF CREDIT RISK IN THE NIGERIAN BANKING INDUSTRY Ebenezer, Ariyibi Mayowa; Opubor, Efemena Emily; Enitan, Olowofela Olusola
Journal of Management Small and Medium Enterprises (SMEs) Vol 18 No 2 (2025): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v18i2.19807

Abstract

The deposit money banks are faced with the problem of credit risk, which occurs from their intermediary role in the economy, which is channeling customers’ deposits from the surplus sector to the deficit/productive sector to improve their performance and stimulate financial stability and growth. It is imperative to examine the internal and external factors that influence the credit risk component of the deposit money banks in Nigeria. This study examines the determinants of credit risk in the Nigerian banking industry. The secondary data was sourced from twelve deposit money banks listed on the Nigerian Stock Exchange Group from 2019 to 2023. The static regression analysis was employed to determine the inference of the objective. The findings from the fixed effect model revealed that board size, operating efficiency, bank size, gross domestic product growth rate, and unemployment rate have a significant effect on the non-performing loan ratio, while return on assets, board independence, loan-to-deposit ratio, debt-to-equity ratio, loan-to-total asset ratio, and inflation rate have an insignificant effect on the non-performing loan ratio. Therefore, it is recommended that deposit money banks in Nigeria integrate internal governance enhancements with macroeconomic stability, which is essential for effectively managing non-performing loans in Nigerian banks. Collaborative efforts between banks, regulators, and policymakers are critical to achieving sustainable credit risk management. Keywords: Credit Risk; Profitability; Liquidity; Corporate Governance; Macroeconomic
Co-Authors Abiodun, Sopelola Tolulope Enitan, Olowofela Olusola O, Asogba Israel O, Efemena Emily O, Yinusa Ganiyu Opubor, Efemena Emily