LOAN SYNDICATION A SOURCE OF BUSINESS FINANCING
ABSTRACT
Loan is an agreement between the render and leader in terms of monetary consideration to pay back either with interest in a specified period of time. Syndication in its own little definition has to deal with any financial institution that is assigned with the work of giving loans to the beneficiaries.
Now loan syndication, as a source of business financing in Nigeria has to do with the agreement between two or more lending financial institution to provide a borrower with a credit facility using common loan documentation.
In the country before any body has to invest in any capital project that acquires big amount of outlay. The cost of these investments have made it possible for one financial institution to finance such investment requiring such huge amount because he cannot foot the bill along. Loan syndication has become an attractive credit delivery technique aimed at spreading risks and redialing the impact of the restricting laws and regulation. There are problems also associated with loan syndication in Nigeria economy which include people argue that loan syndication is very expensive and involves much administrative work because the effective cost of capital exceeds the interest paid. Secondly, loan syndication is time consuming because of the documentation requirements.
In the area of problems there would also be some advantages incurred through loan syndication, loan syndication lowers the cost of capital to the firm because tax deductibility of interest payments. Also it saves the borrow palms of raising equivalent loan independently from different financial institution.
The repayment schedule is usually geared to the borrowers cash flow ability to service the debt. Also the borrower deals directly with the loan and can be tailored to the borrower need through direct negotiation.
In spite of many advantages of syndication loan financing, it is definitely not a business for the unprepared. A firm that wishes to borrow by these techniques must do its home work thoroughly.
Finally, given the limit development of the capital market and the preferences for loadable funds in form of bank credit, the practice of loan syndication is bound to become more popular in Nigeria and remain an important technique of credit delivery by financial institutions.
CHAPTER ONE
1.1 Introduction Analysis
Introduction
The relative insufficiency of funds for capital investment is a common factor in every economy especially in developing countries of the ward, like Nigeria.
Finding a solution to these problems of providing funds for capital investment has been a major pre-occupation of financial institutions in Nigeria one of the solution that come up is syndicated loan, which h is aimed at spreading risks and weakening the impact of restricting laws and regulations lending by financial institutions.
Loan syndication is basically defined as an agreement between two or more lending financial institution to provide a borrower with credit facility using common roan documentation.
The spectacular growth of Loan syndication as source of financial instruments for business organization occurred as response to several economic factors in Nigeria.
Notable among these were:
- Restrictions on credit expansion of government and monitoring authorities to minimize.
- The scraping of import licence requires which enables more users of imported equipment and machineries to source and warning some into the country.
- Deregulation of interest rates made Loan syndication attractive to both business organization and financial institutions.
In addition there are/certain legal and regulatory limitations on lending activities of commercial and merchant banks such as the statutory lending limit as provided in banking Act of 1969 section 13 (1), the liquidity requirements etc.
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
- 1.1 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 "Loan Syndication a Source of Business Financing" 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
- 1.1 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 "Loan Syndication a Source of Business Financing" 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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