Bank Loan and Credit Collection in Nigeria

Bank Loan and Credit Collection in Nigeria

Project / Seminar Material
Reference ID: PS-12337-TM

DEDICATION

This research material titled “Bank Loan and Credit Collection in Nigeria” is dedicated to God for his enabling grace, and to all computer enthusiasts who contributed to make life a pleasant experience during my research documentation.

ACKNOWLEDGEMENT

I extend my sincere gratitude to all those who contributed to the completion of this project. Special thanks to my Supervisor (Name of your Supervisor), the Head of Department (Name of your HOD), the Lecturers in the department of Banking and Finance (BF), Book Authors and Profound Scholars of existing or related project material on “Bank Loan and Credit Collection in Nigeria” for their invaluable guidance, support, and expertise throughout the journey.

I am also grateful to your study area (mention any funding organizations, if applicable) for their financial assistance. This research would not have been possible without the encouragement and assistance of some stakeholders (mention any mentors, teachers, or colleagues). Additionally, I would like to acknowledge the understanding and patience of my family and friends during this endeavor. Your unwavering support has been a constant source of motivation. Thank you all for being part of this meaningful endeavor.

TABLE OF CONTENTS

PRELIMINARY PAGES

CHAPTER ONE

INTRODUCTION

    CHAPTER TWO

    LITERATURE REVIEW

    • 2.1 Introduction
    • 2.2 Conceptual Review
    • 2.3 Theoretical Framework
    • ⋮
    • 2.4 Empirical Studies

    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”

    ABSTRACT

    The subject of this research works is Bank Loan and Credit Collection in Nigeria. Their bank loan develop as an attempt to financials and agricultural sector in the country.

    And credit collection seems very important because the non repayment of lean or credit has led to so many distressed banks in view of the important roles banks play in economic development of a country it has become a matter of necessity for an in-depth research and the analysis of its help as well as its problems.

    The objective therefore is to find out the place of loan in banking operation the problem encountered to extent these problems have on banks and possible solution to these problems the research work has three to five chapters. Chapter one narrates the bank loan and credit collection.

    Chapter two deals with the overview of bank lending the types of loan available criteria for bank loan and importance of Nigeria economy.

    Chapter three also narrates the research design and methodology sources of data area of study and method used in collecting our raw data.

    Finally the conclusion on the research and recommendation made by the research and all in chapter four and five.

    Bank Loan and Credit Collection in Nigeria

    CHAPTER ONE

    Introduction

    1.1 Statement Of Problem And Purpose Of Study

    This study entitle banking loan and credit collections in Nigeria is about difficulties which Nigeria banks encounter in loan given to people.

    This has been an interesting topic for those that works in banking industry in Nigeria because bank and credit collection deals with acceptance and offer.

    What I want to investigate form study topic mention above is

    1. Why people like to collect loan form bank and find it difficult to pay back.
    2. Why bank do not follow up the loan which they gives out to people

    1.2 Rational Of The Study

    The increase in volume of money render which banks deal with they have fully embraced the collection of loan which enhance their efficiency. Many banks now use assets collateral for their normal across the counter operation many banks uses the nitrest which they generate form given out loan to get their paid up capital.

    Loan which banks give to people helps individual to invest within their country and at the same time improve the economy of the country.

    In addition to the bank loan collection of credit is now goes with securities that guides the loan which to people received

    1.3 Significance Of The Study

    The investigation on the topic bank loan and credit collection in Nigeria hope that the work of this study will be kindle the interest of the other financial institution both private and public who makes used of the loan.

    However it hoped that the report will help to indicate some area of knowledge when may be relevant to problem collecting bank loan it is useful to financial institution as a guide for future research work and what is more important is to make the banks to be wise for better future decision making thesis will be also significant to the society in big way because if the use of loans is well productive efficiency and effectiveness could be enhanced in the financial institution in the Nigeria banking industry the banker will benefit much by the way of making profit.

    1.4 Definition Of Terms

    i. Banker:

    This is defining as any person in Nigeria who is engaged in banking business. It is a system as an agent of development that occupies a central position in the economy of any nation.

    ii. Financial institution:

    This is the establishment that issue financial obligation such as demand deposits in order to acquire funds form the public.

    iii. Loan:

    Mean the sum of money gives to the needs loan granted by banks should ascertain the purpose of the loan this is important because the bank house to follow some specific internal and external operation policy to guideline while lending it means lending of money.

    iv Collateral:

    This can be define as offers which the borrower must offer before loan can be granted to him/her.

    v. Paid-up capital:

    This means the increase in the minimum paid up capital for bank started in the year up52 when indigenous had N250 as their paid up capital it is money kept aside for liquidation

    vi. Money:

    Money is define as any thing which is generally acceptable in give society or locality as a mean of exchange and for settlement of debt.

    …

    CHAPTER TWO

    2.0 Literature Review

    2.1 Introduction

    This chapter focuses on the review of related literature. A literature review includes the current knowledge as well as theoretical and methodological contributions to a particular topic. It documents the state of the art with respect to the topic you are writing. It surveys the literature in the topic selected. In this research work the literature review includes the …

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