BANK FAILURE IN NIGERIA
ABSTRACT
The aim of the project is to provide information to the public on the “Bank Failure in Nigeria a case study of Intercontinental Bank” it is geared towards bringing to light some of the activities or services rendered by the banking industry bank failure causes and the effect to it. The project is made up of five chapters.
The chapter deal with the interaction, this takes about the background information about the evolution of the banking system and bank failure.
The seconding chapter deals with review of related literature in this topic highlighting different writing opinion concerning bank failure causes and bank depositors, it also discusses the roles of banks in Nigeria.
More so the third chapter deals with the procedure and sources include background information population and sample construction of instrument the statistical method used in the analysis of the various data etc.
The further chapter discusses the data analysis and interpretation it also spiffed the responses of the respondents from the various research questions.
Finally chapter five provides the summary of the whole study recommendation conclusions and also area of further research.
CHAPTER ONE
Introduction:
Over the last couple of decades, the Nigeria financial system has grown remarkably. From the almost crude of it was characterized with in pre − colonial and colonial days. It has become so sophisticated toady that economic experts can proudly thumb their chests. With due regards to the ownership structure of the institution, the regulatory flame work, the instruments employed, and the number of established institution, Nigeria can be said to posses the most sophisticated financial system in Africa.
Within the Nigeria financial system itself, the banking system itself, the banking institution has been the most remarkable in growth. This is just as well in any case considering the critical position, which they occupy. In a complex financial position, which they occupy, in a complex financial position, which supplies the money and the credit, need of the economy.
The work bank and banker is neither used or define. In the Central Bank of Nigeria (CBN) degree No 24 of the 1991 nor bank or other financial institutions decree (Bofio) No 25 of the 1991 2 of P5.115 of exchange act 1881 provides that bankers include a body of persons whether incorporated or not who carry out the business of banking. Section (1) of the evidence act define banks or bankers as any person or persons, partnership or company carrying on the business of banking.
Financially, the banking act of 1969 produces that bank means any person who carries out the business of banking and include commercial bank and an acceptance house. The role of banks is thus an important one in the process of economic development in the sense that they mobilize fund form the surplus spending and for the economy. In this way they increase the quantum of national saving and investments. Secondary though an appropriate investment multiplier, the volume of goods produced increase as a result of projects financed by bank funds, all of which lead to a successful promotion of an efficient system of payment. Creating banking habits development in the society and providing employment opportunities.
In view of this highlights, it become easily comprehensible why the failure of the bank has a far − reaching consequence.
The ability of a bank to operate successfully rest on how well they are able to obtained the confidence of the public. If that confidence is missing, the gap will be too great for the bank to fill. The effect of bank failure on the economic development of Nigeria can be express in a nut − shell to be the following;
Lack of effective and efficient financial intimidation:
Loss of public confidence in the system, further depression of the economic additional burdens on the regulatory authorities − education of the social vice for the sake of the citizenry and in the interest of economic development, there is an expedient need to device a host of remedying situations.
The fact that a bank fails today is not to say those incidences are not systematic. There must be a number of ways out of any predicament.
The only crack is how effectively employed. Such remedy includes;
- The cultivation of a stable political environment.
- The strengthening of the regulatory agency
- The taking over by regulatory bodies of all termnacy distressed banks.
- Encouragement of banking education
- Sincere pursuit by government of all economy and monetary policies
- All regulation pertaining capital, adequacy, minimum paid up capital, requidity ratio and quality should be reviewed in relation to inflation rate.
- Privatization and commercialization of all government owned banks
- All dept owned banks by government (state, federal and even parietals) should be paid back immediately.
- All laws relating to bankruptcy and default should be reviewed and made more effective.’
An address like this will go a long way in remedying the situation and restoring public confidence in the system.
CHAPTER TWO
2.0 Literature Review
2.1 Introduction
The review of relevant literature is the main topic of this chapter. A literature review covers theoretical and methodological contributions to a certain issue in addition to the state of knowledge at the time of writing. It provides information about the state of the art in relation to the subject you are writing about. It examines the body of work on the chosen subject. The literature evaluation in this study comprises the …
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TABLE OF CONTENTSPRELIMINARY PAGES
- Title page
- Approval page
- Dedication
- Acknowledgement
- Table of Contents
- Abstract
INTRODUCTION
- ⋮
LITERATURE REVIEW
- 2.1 Introduction
- 2.2 Conceptual Review
- 2.3 Theoretical Framework
- ⋮
- 2.4 Empirical Studies
- 2.5 Research Gaps
- 2.6 Summary of Literature Review
CHAPTER THREE
RESEARCH METHODOLOGY
- 3.1 Introduction
- 3.2 Research Design
- 3.3 Population of Study
- 3.4 Sampling and Sampling Technique
- 3.5 Validation of Research Instrument
- 3.6 Method of Data Collection
- 3.7 Method of Data Analysis
- 3.8 Questionnaire Administration
- 3.9 Ethical Consideration
- 3.10 Statistical Analysis
CHAPTER FOUR
DATA ANALYSIS, RESULT AND DISCUSSION
- 4.1 Introduction
- 4.2 Presentation and Analysis of Data
- 4.3 Re-statement of Research Questions
- 4.4 Test of Hypotheses
- 4.5 Discussion of Findings
CHAPTER FIVE
SUMMARY, CONCLUSION AND RECOMMENDATION
- 5.1 Introduction
- 5.2 Summary of Findings
- 5.3 Conclusion
- 5.4 Recommendation
- 5.5 Suggestion for Further Study
REFERENCES
APPENDIX A - “QUESTIONNAIRE”
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The displayed research work titled "Bank Failure in Nigeria" is stated as a research guideline towards accomplishing your assigned project / seminar research work. All the research materials on this website are ONLY for research purposes and should be used as a guideline in developing your research work. For no reason should you copy word for word as projectlist.com.ng will not be liable for any who copied the material. By ordering the complete research guideline, it signifies that you've accepted our terms of service.
PRELIMINARY PAGES
- Title page
- Approval page
- Dedication
- Acknowledgement
- Table of Contents
- Abstract
INTRODUCTION
- ⋮
LITERATURE REVIEW
- 2.1 Introduction
- 2.2 Conceptual Review
- 2.3 Theoretical Framework
- ⋮
- 2.4 Empirical Studies
- 2.5 Research Gaps
- 2.6 Summary of Literature Review
CHAPTER THREE
RESEARCH METHODOLOGY
- 3.1 Introduction
- 3.2 Research Design
- 3.3 Population of Study
- 3.4 Sampling and Sampling Technique
- 3.5 Validation of Research Instrument
- 3.6 Method of Data Collection
- 3.7 Method of Data Analysis
- 3.8 Questionnaire Administration
- 3.9 Ethical Consideration
- 3.10 Statistical Analysis
CHAPTER FOUR
DATA ANALYSIS, RESULT AND DISCUSSION
- 4.1 Introduction
- 4.2 Presentation and Analysis of Data
- 4.3 Re-statement of Research Questions
- 4.4 Test of Hypotheses
- 4.5 Discussion of Findings
CHAPTER FIVE
SUMMARY, CONCLUSION AND RECOMMENDATION
- 5.1 Introduction
- 5.2 Summary of Findings
- 5.3 Conclusion
- 5.4 Recommendation
- 5.5 Suggestion for Further Study
REFERENCES
APPENDIX A - “QUESTIONNAIRE”
Disclaimer for Complete Material Utilization
The displayed research work titled "Bank Failure in Nigeria" is stated as a research guideline towards accomplishing your assigned project / seminar research work. All the research materials on this website are ONLY for research purposes and should be used as a guideline in developing your research work. For no reason should you copy word for word as projectlist.com.ng will not be liable for any who copied the material. By ordering the complete research guideline, it signifies that you've accepted our terms of service.
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