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This paper examines factors influencing the actual amount demanded by small-scale enterprises from credit markets in Oyo State, Nigeria. A Sample size of 350 respondents was selected using stratified sampling techniques with the help of well structured questionnaire and interview schedule. The analysis was carried out with the use of Tobit regression. The results revealed that the major reasons for not seeking credit by the respondents were lack of information, lack of required collateral security and terms and conditions. Also, the use of specific credit sources, either formal and informal was justified as the only source available. It is conclusive that informal credit sources provide easier access to their credit facilities for small-scale enterprises, although the ability of informal to meet the demand of those requiring large amounts of credit as they grow, is limited. It thus recommended that the credit policy for rural and small-scale lending terms and conditions need to be formulated in order to mobilize savings and maximize the availability of credit to the population in rural and urban areas of Oyo State.

Determinants of small-scale enterprise credit demand: evidence from Oyo state, Nigeria