Debt Recovery Procedures and Strategies in Commercial Banks in Nigeria

Debt Recovery Procedures and Strategies in Commercial Banks in Nigeria

Project / Seminar Material
Reference ID: PS-11836-TM

DEDICATION

This research material titled “Debt Recovery Procedures and Strategies in Commercial Banks 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 “Debt Recovery Procedures and Strategies in Commercial Banks 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

    While granting of loan is been described as the ‘”Power Point” in banks; the battle with the non-performing loans (debts) remains one of the most serious issues in banking sector across the globe, particularly in developing countries like Nigeria. Despite the strict considerations of cannon of lending applied in loan appraisal of customers, there is still no single bank that is not confronted with non-smooth repayment of loans. Non compliance with the terms and conditions of loans by borrowers is what is leading to the huge portfolio at risk (PAR).

    However, sequel to the big effects of debt on bank in particular, the researcher makes effort to carry out research on Debt Recovery Procedures and Strategies in Commercial Banks in Nigeria, using United Bank for Africa (UBA) Plc, Ekpoma, as a case study.

    The research will contain five chapters. The chapter one contains the introductory part, which consist of; background of study, statement of the research problems, research questions, objectives of the study and significance of the study. The chapter two contains the detailed literature review of the research topic. The chapter three comprises of methodologies. Chapter four consist of methods of data collection and analysis of data gathered and finally chapter five embodies the summary, findings, conclusion and recommendations.

    Debt Recovery Procedures and Strategies in Commercial Banks in Nigeria

    CHAPTER ONE

    1.1 Introduction

    … As a prelude to other parts of this study, this chapter will discuss the background upon which this study was initiated, the statement of problems that led to this study, the Aim and Objectives of the study. Others are Significance of the study, Scope of work, Research hypothesis and questions, Limitation of the study and Definition of technical terms.

    …

    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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