This paper examines factors influencing the actual amount demanded by small-scale enterprises from credit markets in Oyo State, Nigeria. A Sample size of 350 respondents was selected using stratified sampling techniques with the help of well structured questionnaire and interview schedule. The analysis was carried out with the use of Tobit regression. The results revealed that the major reasons for not seeking credit by the respondents were lack of information, lack of required collateral security and terms and conditions. Also, the use of specific credit sources, either formal and informal was justified as the only source available. It is conclusive that informal credit sources provide easier access to their credit facilities for small-scale enterprises, although the ability of informal to meet the demand of those requiring large amounts of credit as they grow, is limited. It thus recommended that the credit policy for rural and small-scale lending terms and conditions need to be formulated in order to mobilize savings and maximize the availability of credit to the population in rural and urban areas of Oyo State.

This study investigates analysis of monetary policy on commercial banks in Nigeria. The study employed three commercial banks in the Nigeria financial system, that is, the first generation banks. The employed data run through 1992 to 1999 and this was collected through various issues of central bank of Nigeria statistical bulletin and analysed with the use of regression model. The results showed net profit, liquidity ratio, cash ratio and interest rate on savings which confirms to the prior expectation. This could be further explained with the regression estimate whereby an increase in interest rate will leads to a decrease in the lending rate while liquidity ratio and cash ratio were statistically significant to the profit of the selected banks.

This study investigates determinants of access of small-scale enterprises to credit in Nigeria. Three hundred and fifty respondents were selected using stratified sampling techniques. Descriptive statistics such as percentages, frequency distribution and logit regression were employed in analyzing the data. The results showed sex, age, marital status, family size, capital assets, interest rate, and level of education and other dwelling characteristics of small-scale enterprises influence access to use of credit from credit institutions.

This study examines the influence of investment climate on productivity of manufacturing industries in

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