{"id":"https://openalex.org/W7208749020","doi":"https://doi.org/10.56201/ijebm.vol.11.no7.2025.pg149.159","title":"Effect of Bank Credit on the Performance of Small and Medium Scale Enterprises in Nigeria","display_name":"Effect of Bank Credit on the Performance of Small and Medium Scale Enterprises in Nigeria","publication_year":2026,"publication_date":"2026-09-03","ids":{"openalex":"https://openalex.org/W7208749020","doi":"https://doi.org/10.56201/ijebm.vol.11.no7.2025.pg149.159"},"language":"en","primary_location":{"id":"doi:10.56201/ijebm.vol.11.no7.2025.pg149.159","doi":"https://doi.org/10.56201/ijebm.vol.11.no7.2025.pg149.159","is_oa":true,"landing_page_url":"https://doi.org/10.56201/ijebm.vol.11.no7.2025.pg149.159","pdf_url":"https://iiardjournals.org/get/IJEBM/VOL. 11 NO. 7 2025/EFFECT OF BANK CREDIT 149-159.pdf","source":{"id":"https://openalex.org/S4387281522","display_name":"IIARD INTERNATIONAL JOURNAL OF ECONOMICS AND BUSINESS MANAGEMENT","issn_l":"2489-0065","issn":["2489-0065","2695-186X"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"IIARD INTERNATIONAL JOURNAL OF ECONOMICS AND BUSINESS MANAGEMENT","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"hybrid","oa_url":"https://iiardjournals.org/get/IJEBM/VOL. 11 NO. 7 2025/EFFECT OF BANK CREDIT 149-159.pdf","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5000735691","display_name":"James Aransiola Ishola","orcid":"https://orcid.org/0009-0009-5607-4037","observed_orcids":["https://orcid.org/0009-0009-5607-4037"]},"institutions":[{"id":"https://openalex.org/I4387153337","display_name":"Thomas Adewumi University","ror":"https://ror.org/00xtszd26","country_code":"NG","type":"education","lineage":["https://openalex.org/I4387153337"]}],"countries":["NG"],"is_corresponding":true,"raw_author_name":"James Aranisola Ishola","raw_affiliation_strings":["Department Of Business Administration Thomas Adewunmi University, Oko, Kwara State, Nigeria"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department Of Business Administration Thomas Adewunmi University, Oko, Kwara State, Nigeria","institution_ids":["https://openalex.org/I4387153337"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5000735691"],"corresponding_institution_ids":["https://openalex.org/I4387153337"],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":"149","last_page":"149"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.9136000275611877,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.9136000275611877,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10007","display_name":"Monetary Policy and Economic Impact","score":0.0689999982714653,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T12544","display_name":"Working Capital and Financial Performance","score":0.0066999997943639755,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/bank-lending","display_name":"bank lending","score":0.9980000257492065},{"id":"https://openalex.org/keywords/small-and-medium-sized-enterprises","display_name":"small and medium-sized enterprises","score":0.9449999928474426},{"id":"https://openalex.org/keywords/sme-performance","display_name":"SME performance","score":0.9860000014305115},{"id":"https://openalex.org/keywords/deposit-money-banks","display_name":"deposit money banks","score":0.9300000071525574},{"id":"https://openalex.org/keywords/loan-interest-rates","display_name":"loan interest rates","score":0.8040000200271606},{"id":"https://openalex.org/keywords/exchange-rates","display_name":"exchange rates","score":0.9610000252723694},{"id":"https://openalex.org/keywords/access-to-credit","display_name":"access to credit","score":0.4399999976158142},{"id":"https://openalex.org/keywords/nigeria","display_name":"Nigeria","score":0.4580000042915344}],"concepts":[{"id":"https://openalex.org/C180916674","wikidata":"https://www.wikidata.org/wiki/Q3711935","display_name":"Diversification (marketing strategy)","level":2,"score":0.6873000264167786},{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.6583999991416931},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6363999843597412},{"id":"https://openalex.org/C2993078247","wikidata":"https://www.wikidata.org/wiki/Q182076","display_name":"Bank credit","level":2,"score":0.609000027179718},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.5170999765396118},{"id":"https://openalex.org/C48879800","wikidata":"https://www.wikidata.org/wiki/Q622439","display_name":"Small and medium-sized enterprises","level":2,"score":0.5073999762535095},{"id":"https://openalex.org/C2778755073","wikidata":"https://www.wikidata.org/wiki/Q10858537","display_name":"Scale (ratio)","level":2,"score":0.4706000089645386},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.45329999923706055},{"id":"https://openalex.org/C3017866295","wikidata":"https://www.wikidata.org/wiki/Q1188986","display_name":"Medium term","level":2,"score":0.3546999990940094},{"id":"https://openalex.org/C83646750","wikidata":"https://www.wikidata.org/wiki/Q193893","display_name":"Capital (architecture)","level":2,"score":0.3458999991416931},{"id":"https://openalex.org/C556758197","wikidata":"https://www.wikidata.org/wiki/Q580018","display_name":"Monetary economics","level":1,"score":0.3273000121116638},{"id":"https://openalex.org/C68842666","wikidata":"https://www.wikidata.org/wiki/Q1070699","display_name":"Credit history","level":2,"score":0.32109999656677246},{"id":"https://openalex.org/C152877465","wikidata":"https://www.wikidata.org/wiki/Q208042","display_name":"Regression analysis","level":2,"score":0.3084999918937683},{"id":"https://openalex.org/C178350159","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Credit risk","level":2,"score":0.2973000109195709},{"id":"https://openalex.org/C2776988154","wikidata":"https://www.wikidata.org/wiki/Q66100","display_name":"Exchange rate","level":2,"score":0.29010000824928284},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.28299999237060547},{"id":"https://openalex.org/C2778348673","wikidata":"https://www.wikidata.org/wiki/Q739302","display_name":"Production (economics)","level":2,"score":0.2809000015258789},{"id":"https://openalex.org/C2986226071","wikidata":"https://www.wikidata.org/wiki/Q22687","display_name":"Banking industry","level":2,"score":0.2800000011920929},{"id":"https://openalex.org/C71387314","wikidata":"https://www.wikidata.org/wiki/Q494128","display_name":"Non-performing loan","level":3,"score":0.27810001373291016},{"id":"https://openalex.org/C185669311","wikidata":"https://www.wikidata.org/wiki/Q1163221","display_name":"Return on assets","level":3,"score":0.27630001306533813},{"id":"https://openalex.org/C175025494","wikidata":"https://www.wikidata.org/wiki/Q179179","display_name":"Interest rate","level":2,"score":0.2669999897480011},{"id":"https://openalex.org/C180879305","wikidata":"https://www.wikidata.org/wiki/Q590998","display_name":"Credit crunch","level":2,"score":0.26460000872612},{"id":"https://openalex.org/C174957148","wikidata":"https://www.wikidata.org/wiki/Q5183765","display_name":"Credit card interest","level":4,"score":0.26179999113082886},{"id":"https://openalex.org/C156152238","wikidata":"https://www.wikidata.org/wiki/Q1548025","display_name":"Retail banking","level":2,"score":0.25609999895095825},{"id":"https://openalex.org/C40700","wikidata":"https://www.wikidata.org/wiki/Q1411783","display_name":"Industrial organization","level":1,"score":0.2524999976158142},{"id":"https://openalex.org/C29321873","wikidata":"https://www.wikidata.org/wiki/Q5970087","display_name":"Economies of scale","level":2,"score":0.2506999969482422}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.56201/ijebm.vol.11.no7.2025.pg149.159","doi":"https://doi.org/10.56201/ijebm.vol.11.no7.2025.pg149.159","is_oa":true,"landing_page_url":"https://doi.org/10.56201/ijebm.vol.11.no7.2025.pg149.159","pdf_url":"https://iiardjournals.org/get/IJEBM/VOL. 11 NO. 7 2025/EFFECT OF BANK CREDIT 149-159.pdf","source":{"id":"https://openalex.org/S4387281522","display_name":"IIARD INTERNATIONAL JOURNAL OF ECONOMICS AND BUSINESS MANAGEMENT","issn_l":"2489-0065","issn":["2489-0065","2695-186X"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"IIARD INTERNATIONAL JOURNAL OF ECONOMICS AND BUSINESS MANAGEMENT","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.56201/ijebm.vol.11.no7.2025.pg149.159","doi":"https://doi.org/10.56201/ijebm.vol.11.no7.2025.pg149.159","is_oa":true,"landing_page_url":"https://doi.org/10.56201/ijebm.vol.11.no7.2025.pg149.159","pdf_url":"https://iiardjournals.org/get/IJEBM/VOL. 11 NO. 7 2025/EFFECT OF BANK CREDIT 149-159.pdf","source":{"id":"https://openalex.org/S4387281522","display_name":"IIARD INTERNATIONAL JOURNAL OF ECONOMICS AND BUSINESS MANAGEMENT","issn_l":"2489-0065","issn":["2489-0065","2695-186X"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"IIARD INTERNATIONAL JOURNAL OF ECONOMICS AND BUSINESS MANAGEMENT","raw_type":"journal-article"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/8","display_name":"Decent work and economic growth","score":0.9211000204086304}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7208749020.pdf","grobid_xml":"https://content.openalex.org/works/W7208749020.grobid-xml"},"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W4417009811","https://openalex.org/W4403490971","https://openalex.org/W7213971037","https://openalex.org/W7204905813","https://openalex.org/W1521949718","https://openalex.org/W7134052555","https://openalex.org/W7097074101","https://openalex.org/W6911664414","https://openalex.org/W2760319974","https://openalex.org/W7125582889"],"abstract_inverted_index":{"Bank":[0,99],"credit":[1,30,58,128,223],"plays":[2],"a":[3,105,140,166],"major":[4],"role":[5],"in":[6,35,68,200],"the":[7,23,26,54,60,73,86,97,186,188,230],"development":[8],"of":[9,25,48,56,62,75,88,100,107,154,180,222,232],"any":[10],"economy.":[11],"Small":[12],"and":[13,42,64,80,82,129,131,142,156,162,168,182,211,218,235],"Medium":[14],"Scale":[15],"Enterprises":[16],"(SMEs),":[17],"being":[18],"an":[19],"engine":[20],"that":[21,125,191],"propel":[22],"growth":[24],"economy,":[27],"need":[28],"this":[29,49,227],"for":[31,104],"capital":[32],"accumulation":[33],"which":[34],"turn":[36],"be":[37,205],"used":[38],"to":[39,52,71,116,207,216,238],"promotes":[40],"performance":[41,61,87,147,173,199],"economic":[43],"growth.":[44],"The":[45,90,111],"main":[46],"objective":[47],"study":[50,91,189],"is":[51,224],"examine":[53],"effect":[55,74,170,196],"bank\u2019s":[57],"on":[59,85,145,171,185,197],"small":[63,210],"medium":[65,212],"scale":[66,213],"enterprises":[67],"Nigeria.":[69,201],"Specifically,":[70],"determine":[72],"bank":[76],"credit,":[77],"lending":[78,160],"rate":[79,161,164],"savings":[81],"time":[83,132],"deposits":[84,133],"SMEs.":[89],"employed":[92],"secondary":[93],"data":[94,112],"obtained":[95,113],"from":[96],"Central":[98],"Nigeria\u2019s":[101],"Statistical":[102],"Bulletins":[103],"period":[106],"thirty-two":[108],"years":[109],"(1992-2023).":[110],"were":[114],"subjected":[115],"fully":[117],"modified":[118],"least":[119],"square":[120],"regression":[121],"analysis.":[122],"Finding":[123],"reveal":[124],"banking":[126],"sector":[127],"saving":[130],"with":[134],"Deposit":[135],"Money":[136],"Banks":[137],"(DBMs)":[138],"have":[139,165,194],"positive":[141],"significant":[143,169,195],"effects":[144],"SMEs":[146,172,198,217,239],"at":[148,174],"5%":[149,175],"significance":[150,176],"level":[151,177],"(with":[152,178],"pv":[153,179],"0.005":[155],"0.00548,":[157],"respectively).":[158],"However,":[159],"exchange":[163],"negative":[167],"0.0562":[181],"0.020).":[183],"Based":[184],"findings,":[187],"concludes":[190],"DBMs":[192],"credits":[193],"Therefore,":[202],"DMBs":[203],"should":[204],"encouraged":[206],"make":[208],"available":[209],"term":[214],"loan":[215,233],"ensure":[219],"consistent":[220],"monitoring":[221],"adopted,":[225],"as":[226],"would":[228],"resolve":[229],"problem":[231],"diversification":[234],"contribute":[236],"significantly":[237],"performance.":[240]},"counts_by_year":[],"updated_date":"2026-10-28T10:33:24.094632","created_date":"2026-09-05T00:00:00"}
