References
Adebayo, M. A., & Ogbechie, C. (2019). Bank credit and real sector performance in Nigeria. Journal of Economics and Sustainable Development, 10(14), 45–56. Adebiyi, M. A., & Babajide, A. A. (2021). Commercial bank lending policies and access to finance by manufacturing firms in Nigeria. Journal of African Business, 22(4), 567–585. Adebisi, S. A., Olayinka, A. I., & Oladipo, O. S. (2022). Financial access and firm-level innovation in emerging economies: Evidence from Nigeria. Journal of African Business, 23(1), 115–134. https://doi.org/10.1080/15228916.2020.1834162 Adeoye, A. O., & Osabohien, R. (2022). Sectoral allocation of bank credit and industrial development in Nigeria. Economic Change and Restructuring, 55(3), 209–228. Adepoju, T., & Akinola, M. (2021). Financial development and manufacturing sector performance in Sub-Saharan Africa. African Development Review, 33(1), 102–115. https://doi.org/10.1111/1467-8268.12551 Adesina, O. A., & Oseni, I. O. (2021). Deposit money bank credit and sectoral output in Nigeria. African Journal of Economic Policy, 28(1), 87–106. Adeniran, A., Udo, J., & Umoh, O. (2018). Financial development and economic growth in Nigeria: Evidence from autoregressive distributed lag model. Journal of Economics and Policy Analysis, 13(1), 45–59. Adeniran, O., & Adedoyin, A. (2020). Bank credit and the performance of the Nigerian manufacturing sector. Journal of Economics and Sustainable Development, 11(6), 45–55. Akinwale, Y. O., & Adekunle, A. (2019). Credit market imperfections and industrial development in Nigeria. Review of Development Finance, 9(2), 120–127. https://doi.org/10.1016/j.rdf.2019.06.003 Allen, F., & Santomero, A. M. (2019). Financial intermediation theory and implications. Journal of Financial Intermediation, 38(2), 1–10. Arestis, P., Demetriades, P., & Luintel, K. (2020). Financial development and economic growth: The role of financial intermediation. Journal of Economic Surveys, 34(4), 748–772. Bello, A., & Ibrahim, M. (2021). Credit accessibility and small-scale enterprise growth in developing economies. African Journal of Development Studies, 13(2), 112–124. Bello, R. A., & Yusuf, S. A. (2023). Macroeconomic instability and industrial output in Nigeria: The role of credit. African Journal of Economic Policy, 30(1), 45–61. Eze, A. R., & Chidiebere, I. (2018). Bank credit and the growth of the Nigerian manufacturing sector. International Journal of Business and Finance Research, 12(2), 77–89. Eze, N. O., & Okonkwo, C. O. (2020). Credit availability and the performance of manufacturing firms in Nigeria. Journal of Economics and Development Studies, 8(3), 45–57. https://doi.org/10.15640/jeds.v8n3a5 Eze, O. R., & Nwakoby, I. C. (2019). Deposit money banks’ credit and private sector growth in Nigeria. Journal of Finance and Economic Research, 6(2), 112–124. Eze, O. R., & Nwokoye, E. S. (2022). Financial sector development and manufacturing sector performance in Nigeria. Review of Development Finance, 12(2), 154–165. Eze, R., & Nwankwo, U. (2022). Bank lending and industrial output in Nigeria. International Journal of Finance and Economics, 27(4), 566–578. Gurley, J. G., & Shaw, E. S. (1960). Money in a theory of finance. Brookings Institution. Levine, R. (2016). Financial intermediation and growth: A review. Journal of Economic Literature, 54(2), 345–396. Nwokoye, G. A., & Ezeaku, H. C. (2021). Credit accessibility and small enterprise growth in Nigeria. Cogent Economics & Finance, 9(1), 1928981. https://doi.org/10.1080/23322039.2021.1928981 Nwokolo, M. N., & Okafor, C. O. (2020). Banking sector credit and industrial output in Nigeria. Cogent Economics & Finance, 8(1), 177–189. https://doi.org/10.1080/23322039.2020.1771897 Obi, J. N., & Nwachukwu, S. O. (2022). Constraints of industrial growth in Nigeria: The role of finance and infrastructure. International Journal of Industrial Economics, 14(2), 67–81. Ogar, A., Ubi, P. S., & Effiong, C. (2019). Commercial banks’ credit and industrial sector growth in Nigeria. Journal of Economics and Development Studies, 7(3), 1–13. Ogundele, F., & Adebayo, K. (2021). Industrialization, job creation, and economic development in Nigeria. Economic Policy Review, 19(1), 89–105. Okafor, C. I., & Ogbuagu, M. I. (2021). Credit rationing and manufacturing performance in Nigeria. Journal of Applied Economics and Policy, 14(2), 210–224. Okoli, R. C., & Ijeoma, E. (2019). Bank credit and manufacturing sector growth in emerging economies: Evidence from Nigeria. Cogent Economics & Finance, 7(1), 1589403. https://doi.org/10.1080/23322039.2019.1589403 Okorie, C. E., & Udoka, C. O. (2019). Sector-specific bank credit and economic growth in Nigeria. International Journal of Economics and Financial Issues, 9(4), 50–56. Okoye, L. U., & Eze, O. (2021). Deposit money banks and economic development in Nigeria: A review of credit delivery. International Journal of Banking and Finance, 13(1), 45–59. Ojiagu, N. C., & Nwachukwu, C. (2021). Financial inclusion and accessibility of credit among manufacturing sector in Nigeria. African Journal of Economic Policy, 28(2), 67–88. Olanrewaju, K., & Bello, T. (2021). Technology adoption and competitiveness of Nigerian manufacturing firms. Journal of African Business, 22(4), 457–474. https://doi.org/10.1080/15228916.2020.1850012 Oladimeji, M. O., & Adebayo, A. T. (2020). Bank credit and capacity utilization in Nigeria’s manufacturing sector. Economic Analysis and Policy, 68, 279–292. Oladipo, O. S., & Akinbobola, T. O. (2020). Credit constraints and industrial growth in Nigeria. Journal of Economics and Sustainable Development, 11(16), 88–97. Oloruntoba, S. O., & Abubakar, A. (2021). Manufacturing sector performance in Nigeria: Challenges and prospects. African Development Review, 33(S1), S105–S118. Osei, K., & Boateng, S. (2018). Manufacturing sector growth and economic development in Sub- Saharan Africa. Journal of African Economies, 27(3), 321–340. Schumpeter, J. A. (2017). The theory of economic development (R. Opie, Trans.). Routledge. (Original work published 1934) Uchenna, A., & Alabi, O. (2019). Financial sector development and real sector growth: Evidence from Nigeria. Journal of Economics and Public Finance, 5(3), 289–304. Ugochukwu, E., & Ifeanyi, O. (2022). The allocation of commercial bank credit and growth of the Nigerian manufacturing industry. Journal of Applied Economics and Business, 10(2), 112–126. Uzonwanne, G. C., & Okoro, E. (2020). Deposit money banks’ lending and the performance of manufacturing firms in Nigeria. African Journal of Economic Policy, 27(2), 88–104. Yakubu, I., & Affoi, A. Y. (2019). Deposit money banks and economic intermediation in Nigeria. Nigerian Journal of Business and Finance, 11(4), 56–68.