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The Impact of Electronic Banking on Small and Medium Scale Enterprises (SMES) in Some Selected SMES in Bauchi State

Yakubu Adamu PhD, Alhaji Kawugana PhD, Shuaibu Said Abdullahi

Abstract

Electronic Banking involves the systems which enable customers to use banking services at three levels information, communication and transaction. The study Assesses “The impact of Electronic Banking on Small and medium Scale Enterprises in some selected SMEs in Bauchi state”. The objectives of the study is to examine the impact of mobile banking services and the relationship between automated teller machine services on the performance of Small medium enterprises . To achieve this objective, three (3) research questions and two hypotheses were formulated; Primary data were collected from the primary source which questionnaire was used as an instrument of data collection while secondary data were sources from textbooks, journals, newspapers and the internet were employed. The research design used in this report is descriptive design, utilizing questionnaire method to obtain information from the respondents for this project. A total of 250 (two hundred and fifty) respondents were selected for this study to represent the entire population of the study. For null hypotheses were formulated and tested using the one-way ANOVA and the t- test statistical tools at zero point zero five (0.05) level of significance. To analyze the data obtained, frequency and simple percentage and regression analysis was used. While hypothesis was tested using chi-square test. The study reveals that Electronic banking has a significant relationship with performance of Small medium enterprises in Bauchi state. Based on the findings ,therefore the study recommend that there should be more awareness creation on Electronic banking by all the related agencies to improve the performance of Small medium enterprises in Bauchi state

Keywords

Electronic BankingPerformanceSmall and medium Scale Enterprises

References

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