Bello Ibrahim Enesi, Ijaiya Mukaila A., Daniya Adeiza Abdulazeez, Dauda Chetubo Kuta, Ibrahim Fatima Maaji and Ja’afaru Umar

Abstract Small enterprises rely on commercial banks’ credit for their smooth operations. However, commercial banks’ credit terms determine small enterprises ‘access to commercial banks’ credit which invariably determines small enterprises’ performance. In Kogi State small enterprise access to commercial bank…