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Operating Banking Account Problems and Solution

Operating Banking Account Problems and Solution

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DEDICATION

This research material, titled “Operating Banking Account Problems and Solution” 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 Operating Banking Account Problems and Solution 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

    The operating bank account problem and solution is aimed at determine the various problems banks are accounting in operating their account. The central concern of this work is to study these problem banks uncounted in operating their customer account in the bank and proffer solution to checkmate them.

    In the process of trying to find out these issues, other works were reviewed in addition to the fieldwork and interviews, which were carried out. Through the oral interview to the various operator of banks.

    The oral interview were administered to find out the following facts

    • Whether there is any alterative on the requirement bank demands before opening account for their customer
    • Whether phone banking were apply in banking system for time safe
    • Whether overdraft should be given to the customer of the bank
    • Whether the service rendered by bank is encourageable by their customers

    Information were collected, presented, and analyzed

    From the analysis of the data, the major findings were:

    That the customer of the bank prefer to operating saving account in the bank than current account.


    Operating Banking Account Problems and Solution

    CHAPTER ONE

    Introduction

    1.1 Statement Of Problem And Purpose Of The Study

    Several problems are encounter by individual while operating bank account this project will study these problems and proffer solution to checkmate them.

    It includes such practices as fraudulent activities and mismanagement by bank officials, poor, liquidity and unavailability of adequate credits to describing customers.

    1.2 Rationale Of The Study

    People have often been expressing their dissatisfaction over the hindrance they encounter while operating bank account. Such as time wastage, inefficiency and unreliability high interest rate etc. on a personal experience I had encounter a situation where the requirement for opening an account where too numerous and irrelevant. However bank also have their own problem they encounter in meeting up the demand for the service they promise to render to their customer due to a number of reason such as poor liquidity, bad debt, capitalization reserve etc. in this regard, it interested me to look at these problems encounter by both parties (banks and customer). The cause and how they can be reduce or eradicated.

    1.3 Significance Of The Study

    The study in this project will benefit the bank and customer, because it will proffer solution to the problems banks and their customer encountering in operation. Some of these include poor liquidity in operating the customers account, and loan issued to their customer which often turn to bad debt, that is debt that bank cannot recover from their customer.

    1.4 Definition Of Terms

    Operating bank account

    Is the services offered by bank to the customer

    Overdraft

    It is when the bank allowed the customer to over withdraw more than what he have in account.

    Dormant account

    It is account that has not been operated by the customer for a considerable length of time ranging from three month to two years depending on the policy of the bank where the account is kept.

    Loan

    Is a financial facility granted by a bank which is intended to be applied for financing of a specific purpose?

    Current account

    Is a running or active account on which cheques or orders to pay are drawn with out notice to which credit are paid.

    Saving account

    Is one which earns interest on monthly basis

    Fixed deposit account

    Is one which provide that the amount of such deposit is payable on certain data or at the expiration of a specified period of time.

    …

    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 Operating Banking Account Problems and Solution, 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.

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