MANAGEMENT OF BAD DEBT IN THE NIGERIA BANKING SYSTEM SCOPES AND REMEDIES
ABSTRACT
This study is all about the management of bank debt in Nigeria banking system, scopes and remedies.
It is designed to evaluate the problem of bad debt in banking lending. It is also assets how effective the customers could help the banker to appraise a customer presenting lending proposition.
Findings from this study indicate that bad debt has being a tax brother to the banking industries. Bank can stand squarely without giving loan to the customer because they receive back some percentage of interest accrue former the principle.
But due to lack of sincerity people cannot pay back their loans. This leaving those loans outstanding. The implication for both the bank and their customers as regards ability to debt obligation is quite obvious.
It is when a banker is satisfied with the credibility of the customer that they will demand for a security to back up the loan. This is the center of the project.
CHAPTER ONE
Introduction
1.1 Background Of The Study
Banks have been credited generally with enviable role of being a very important source of funds or capital for the development of the economy.
This recognition largely emanates from the roles assumed by most banking institutions in mobilizing various deposits and channeling some towards feasible and viable ventures. This size, type and level of such profitable outlet along with other complimentary factors contribute to economy well being of the country in which the bank is situated. As a result of this, banking institutions have been an agent of economic growth and perhaps economic development.
This deposit which are loanable funds can only be made available to banks, if customer make substantial deposit which banks in turn employ to make loan and advance available to borrower so as to generate interest which may accrue from the advances.
This enables the bank to run its day-to-day administrative cost, remain in business and pay satisfactory divided to its shareholders.
1.2 Statement Of Problems:
It is unfortunate that the borrowers take undue advantage of these loan and advances granted to them by not utilizing them for the purpose for which were given hence bringing about default in the repayment of such loans and subsequent bad debts.
So, bad debt can be defined as unrecoverable debts. The borrower consistent inconsistency in response to demand for the repayment of loan and make it extremely difficult for other intending borrowers or fund seeker to avail themselves of the opportunity of enjoying such facilities among other consequences.
1.3 Objectives Of The Study
The project work therefore is aimed at evaluating the following points:
- To evaluate the problem of bad debts in banking lending
- To identifying its remote and immediate causes.
- To determine its effects to the economy in general.
- To make recommendation on how possible.
1.4 Definition Of Terms:
1. Bank:
Otherwise specially stated bank in this study refer to commercial banks. Commercial bank is described by the banking act, 19689 as a bank whose business include the acceptance of deposit, withdrawal by cheque include loans and advances.
2. Capital:
This is the amount used for the commencement of business with addition subsequently made. It is also a set aside wealth for the production of more wealth.
3. Loan Credit Risk:
This is the profitability that a borrower may not repay the loan granted him by the bank.
4. Money Rate:
This entails the possibility of value of money increasing or decreasing.
5. Market Rate:
The probability of the interest rate change.
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 Background …
- ⋮
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 "Management of Bad Debt in the Nigeria Banking System Scopes and Remedies" 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 Background …
- ⋮
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 "Management of Bad Debt in the Nigeria Banking System Scopes and Remedies" 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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