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Loan Syndication a Source of Business Financing

Loan Syndication a Source of Business Financing

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DEDICATION

This research material, titled “Loan Syndication a Source of Business Financing” is dedicated to God for His boundless grace and guidance. It is also a tribute to all computer enthusiasts whose contributions made my research journey smoother and enriched my documentation process, making the experience truly fulfilling.



ACKNOWLEDGEMENT

I am profoundly grateful to everyone who contributed to the successful completion of this project. I am especially grateful to my Supervisor (Name), the Head of Department (Name), and the Lecturers in the Department of Banking and Finance (BF) for their invaluable guidance and support. I also acknowledge the contributions of authors and scholars whose works on Loan Syndication a Source of Business Financing provided essential insights. Special thanks go to my study area (and any funding organizations, if applicable) for their financial assistance. I am equally thankful to stakeholders, including mentors, teachers, and colleagues, for their encouragement and support. Finally, I deeply appreciate my family and friends for their patience and unwavering support throughout this journey. Your contributions have been instrumental in making this research a reality.



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
    • 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”


    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.


    Loan Syndication a Source of Business Financing

    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

    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 conceputal review, theoretical framework, the review of related literature …

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    Defense Procedure for Banking and Finance Researchers

    In preparation for defending a project or seminar on Loan Syndication a Source of Business Financing, it is imperative that as a nursing student, you demonstrate comprehensive knowledge of your research. The defense process is structured to include presenting your work, answering questions, and illustrating its pertinence. Initially, provide a succinct yet thorough introduction to your research topic, emphasizing its importance and the objectives, ensuring that both the audience and the External Examiner can understand the scope of your study.

    Prior to your defense, be thoroughly acquainted with your research abstract and the critical elements of Chapter One, including motivation for embarking on this research, problem statement, objectives, and significance. In Chapter Two, be ready to cite at least two references from the literature review. For Chapter Three, you should be equipped to discuss the methodologies, tools, and techniques utilized. In Chapter Four, defend your research by justifying the findings and linking them to your research objectives.

    Conclude your defense by succinctly summarizing the study and offering insightful, evidence-based recommendations. A professional dress code, such as wearing a suit and tie, is vital to create a favorable impression and elevate your presentation.

    During the question and answer segment, the External Examiner may pose questions pertaining to your research. If confronted with a challenging or irrelevant question, respond diplomatically with, “Sorry, Sir/Madam, the question asked is beyond the scope of my study.” Whenever possible, direct your answers back to your research findings to reinforce your expertise.

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