Abstract: 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.
Abstract: In Both developed and developing countries,
governments play a basic role in making policies, programs and
instruments which support the development of micro, small and
medium enterprises. One of the mechanisms employed to nurture
small firms for more than two decades is business incubation. One of
the mechanisms employed to nurture small firms for more than two
decades is technology business incubation. The main aim of this
research was to establish influencing factors in Technology Business
Incubator's effectiveness and their explanatory model. Therefore,
among 56 Technology Business Incubators in Iran, 32 active
incubators were selected and by stratified random sampling, 528
start-ups were chosen. The validity of research questionnaires
was determines by expert consensus, item analysis and factor
analysis; and their reliability calculated by Cronbach-s alpha.
Data analysis was then made through SPSS and LISREL soft wares.
Both organizational procedures and entrepreneurial behaviors were
the meaningful mediators. Organizational procedures with (P < .01, β
=0.45) was stronger mediator for the improvement of Technology
Business Incubator's effectiveness comparing to entrepreneurial
behavior with (P < .01, β =0.36).