The Contributions of Accounting Information on Bank Lending Decision Making

The Contributions of Accounting Information on Bank Lending Decision Making

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Reference ID: PS-12344-TM

DEDICATION

This research material titled “The Contributions of Accounting Information on Bank Lending Decision Making” 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 “The Contributions of Accounting Information on Bank Lending Decision Making” 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

    This study deals with the impact of Accounting Information on Banking Lending Decision, with reference to non Bank PLC Garden Avenue Enugu. To guide the study for research question. Four hypothesis were formulated. A structured questionnaire was used to gather respondents mean and standard deviation were used to research question while t test statistics was used for hypothesis the results were analysed and presented. The results of the findings indicate as significant difference between views of the junior and senior staff of Union Bank. The research finding are in line with previous findings in both developed and developing countries. It also collaborated previous research finding in Nigeria. It was recommended that commercial banks in Nigeria should have virile information and extrerial of banks should be established.

    The Contributions of Accounting Information on Bank Lending Decision Making

    CHAPTER ONE

    Introduction

    1.1 Background Of The Study

    All the information necessary in the business are being summarized in the Accounting Records to ascertain the efficing and effectiveness of all the business enterprises though the process of accounting.

    Accounting may be defined as a set of Rules and Methods by which financial and economic data an collected processed and summarized into report for decision making.

    In using data presented to them by customer for the purpose of leveling the bank is interested in financial Accounting Information which enable it reach an initial lean decision and also helps it to monitor progress after the advice has been made.

    These information are those that deal with solvency, liquidity and profitability these means obtaining information that will described the client’s financial stand and long term liability. Banks need three basic types of Accounting Information namely:

    The score keeping information involves liability and investigation of variance for corrective actions. This is done by campaign expert results with elections implement ex-ante and useful in evolution state of planning.

    It also concerned the control principles function of management by exception.

    Moreover it bring out problems look into for collective actions.

    The problem solving information is useful in the implementation shape of planning since it focuses on analyzing and recommending the best course of action among may courses. It is closely associated with management decision making process and consist of non-routine and ad-loc and special decision.

    The objective of the most banking activity is to ensure effective.

    Lending and as such lending has become the most important of banking operation. However lending forms the major segment to banking operation.

    …

    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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