Management of Bad Debt in the Nigeria Banking System

Management of Bad Debt in the Nigeria Banking System

Project / Seminar Material
Reference ID: PS-11774-TM

DEDICATION

This research material titled “Management of Bad Debt in the Nigeria Banking System” 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 “Management of Bad Debt in the Nigeria Banking System” 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”

    Management of Bad Debt in the Nigeria Banking System

    CHAPTER ONE

    Introduction

    1.1 Background Of The Study

    Bank 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 institute in mobilizing various deposits and channeling some towards feasible and viable ventures. This size tyre 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 institutes have been an agent of economic growth and perhaps economic development.

    This deposit which are loanable funds can only be made available to the banks if customer make substantial deposit which banks in turn employ to make loan and advance interest which may accrue from the advances.

    This enable the bank to run its day to day administrative cost, remain in business and pay satisfactory dividend 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 of loan and make it extremely difficult for other intending borrowers or fund seekers to avail themselves of the opportunity of enjoying such facilities among other consequences.

    1.3 Objective Of The Study

    The project work therefore is aimed at evaluating the following points.

    1. To evaluate the problem of bad debts in banking lending.
    2. To identifying its remote and immediate causes.
    3. To determine its effects to the economy in general.
    4. To make recommendation on how possible.

    1.4 Delimination, Scope And Limitation Of The Project.

    This project work intended to be more encompassing but was hampered by certain unavoidable constraints, some of which are:

    First and foremost, is the financial disability which compelled me to restrict this volume due to high cost of stationers?

    Finally, the refusal by the institute of management and technology Enugu library (reference section) and University of Nigeria Nsukka to laid out already written work which would have helped in a lot of ways to the making of this project posed a serious constraints. On the scope. Project work is made up of three chapters.

    First chapter is introduction of background of lending as an important factor in bank development.

    Chapter two deals with the review related literature then chapter three which is the summary of findings.

    1.5 Definition Of Terms:

    1) Bank:

    Otherwise specially stated bank in this study refer to commercial banks. Commercial bank is described by the banking act, 1969 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 m ay not repay the loan granted him by the bank.

    4) Money Rate:

    This entails the probability of value of money increasing or decreasing.

    5) Market Rate:

    The probability of the interest rate changing.

    …

    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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