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THE INFORMATION BELOW.THANK YOU!
INFORMATION:
YOU
CAN GET THE COMPLETE PROJECT OF THE TOPIC BELOW. THE FULL PROJECT COSTS N10,000
ONLY. THE FULL INFORMATION ON HOW TO PAY AND GET THE COMPLETE PROJECT IS AT THE
BOTTOM OF THIS PAGE. OR YOU CAN CALL: 08068231953, 08168759420
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PROBLEMS OF OBTAINING BANK LOANS IN NIGERIAN BANKS
PROBLEMS OF OBTAINING BANK LOANS IN NIGERIAN BANKS
1.0
INTRODUCTION
1.1 BACKGROUND OF
THE STUDY:
Erasing enterprises is established with the assumption that
the objective of every management is to maximize profit. And a very good example of the sector is the
financial institution known as the banking sector. The phenomenal growth of banks following the
introduction of SAP creates a fake impression that the banking sector is an all
corners business.
The banking and financial industry if unique in that it
depends mostly on the public confidence and once the confidence is eroded on
some banks, it may spread to other banks and institutions and this could be
very dangerous to the whole system and the economy at large.
It should also be noted as (Orji 1998) stressed that bank
lending simply means credit creation and that implies that the profit
maximization of the banks is mainly realized through credit creation, the bank
authorities should abide by the rules and regulation of APEX Bank (CBN) i.e.
lending to the worst unit sector of the economy and on a reliable collaterals.
The research work will focus on the possible reasons for bank
failures. In this regard of loan lending
and loan recovery and effect of such on the rest of the populace plus how the
financial industry could be transformed to meet the increasing challenges of
the present day and finally assessing the role of the Central Bank of Nigeria
in ensuring safety of bank loan.
1.2
OBJECTIVE OF THE STUDY:
The issue of bank lending and its recovery strategies passed
as a challenge to the financial sector in particular and the whole economy in
general and as such the project work is carried out to meet the following aims
and objectives.
To know if the increased administrative expenses can be
eliminated by good lending policies.
To find out if default borrowers can be reprimated by serving
a demand notice.
To ascertain how secured the collateral securities of these
loan are.
To find out the extent of defaultness in the repayment of
loan advances.
To establish the factors responsible for loan repayment in
Nigeria.
1.3
SIGNIFICANCE OF THE STUDY
The research study will bring to light the observed reasons
for commercial bank credit recovery failure and the effect of such on the
institution, this will help banks to make amendment where necessary and help
them increase their creation abilities and recover them at the fullness of
time.
1.4 SCOPE
AND LIMITATIONS OF STUDY:
This research work focuses on the commercial bank lending and
loan recovery strategies due to problem associated in the regards in the
sector.
The study will reflect briefly on the history of banking
business in Nigeria, the development over the policies on operations and mode of
xx.
However, due to limitation the work now focused on the
Citizens International Bank, currently, there has not been enough work on the
loan recovery strategy in the industry. It is expected that the move will be
affected by those factors.
This financial constraints has adversely affected this
study. Also proximity to published book
on the said project topic as a difficult task to overcome.
Moreso, the data obtained is with the scope of the domestic
banking as financial system, the issue of time constrains the project works.
Since this work needed extensive research to come out a very
constructive project and while it was done simultaneously with other class work
it has not been easy to allocate enough time to this study.
The work though very interesting was constrained by certain
factors. It would have been wonderful if
author was opportune to have all the resources needed at his disposal, but this
was not possible due to time factors and financial constraint on the other hand
and financial problems coupled with general like in faces as occasioned by the
fuel crisis that prevailed over the period of the study automatically limited
my visitation to places where I would have sourced information.
1.5
DEFINITION OF TERMS:
The following are some technical terms used in the project.
1. CREDIT POLICY:
This is how a firm plans to give its credit collection of
debts owned to it by its customers.
2. LOAN
PORTFOLIO:
A mixture of shares and bonds held by a firm.
3. CAPITAL:
It is the
money by which one start off a business with. In a more technical terms, it
could be referred to as the resultant between total assets and the habitation
of a firm.
4. MANAGEMENT:
The dismantling of regulation by Central around the
world. This has been another features of
xxx internationalization.
5. CAMEL:
Capital adequacy, asset quality management competence,
burning strengths and inquisitively sufficiency.
6. NIGER EUGENE:
(1999) defines manager as the fusing together to two or more
companies to form a company whether fusion it voluntary of forced.
7. SAP:
Structural
Adjustment Programme.
8. APEX BANK:
This is the
regulatory authorities of banking in Nigeria and if otherwise known as Central
Bank of Nigeria.
HOW TO RECEIVE PROJECT
MATERIAL(S)
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paying the appropriate amount (#5,000) into our bank Account below, send the
following information to
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(1) Your project topics
(2) Email Address
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Account Name: AMUTAH DANIEL CHUKWUDI
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Bank: FIRST BANK
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