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The Implications of Treasury Single Account (TSA) on the Nigerian Banking Sector and Economy

The Implications of Treasury Single Account (TSA) on the Nigerian Banking Sector and Economy

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DEDICATION

This research material, titled “The Implications of Treasury Single Account (TSA) on the Nigerian Banking Sector and Economy” 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 The Implications of Treasury Single Account (TSA) on the Nigerian Banking Sector and Economy 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

    This study was embarked upon by the researcher to ascertain the implication of the Treasury Single Account (TSA) on the Nigerian Banking Sector and the Nigerian economy as a whole. To achieve the set objective, data was sort both from primary and secondary sources. Questionnaire items were designed from the research questions to assist the researcher to draw meaningful conclusions. This study adopted the chi-squared as its instrument for data analysis. From the data gathered, both from the respondents and computations (simple percentage and chi-square), it was discovered that the Treasury Single Account (TSA) has no significant adverse effect on the Nigerian banking sector. In terms of its effect on economic development, Treasury Single Account (TSA) also has a significant effect.

    It actually minimizes corruption, increases transparency in government activities by allowing for an efficient control and management of funds in its ministries, departments and agencies. It was therefore recommended that the Central Bank of Nigeria in conjunction with the Federal Government to enact policies that will guide the effective operation of the Treasury Single Account (TSA) and the financial affairs of the Nigerian economy. The compliance of the ministries, department and agencies of the Federal Government should be made to the key into project for an effect management of government cash resource.


    The Implications of Treasury Single Account (TSA) on the Nigerian Banking Sector and Economy

    CHAPTER ONE

    1.1 Background of Study …

    …

    1.2 Statement Of The Problem

    The implementation of the policy of treasury single account (TSA) by federal government, banks will not have enough money to run their day to day activities properly. Before now, the major source of funds for banks has been the government, business and the public. Banks will continue to find a means of mobilizing funds from private sector or the public.

    Treasury single accounts (TSA) has a negative impact on banks in Nigeria because banks has been surviving with government funds, with the introduction of treasury single account (TSA) those money which are been used to trade would been paid into the country’s treasury account. These money which are paid into treasury are used to appraise government performance.

    The era of banks depending on government funds has since passed consequences upon the introduction of treasury single account. Banks should have to look for another source of generating funds in Nigeria. The lack of fund for banks will increase than services toward their customers, it will also create room for staff competition amongst banks.

    The implementation of the policy of treasury single account (TSA) by federal government has led to increase in unemployment rate in Nigeria. Okafor(2013) found that in the Nigeria banking sector has human resources challenges, Matannu(2015) cited in Idowu (2005) identified a yawning gap between the immediate or short term effects of economic reforms and the necessary ideals of job security. He concluded that the ability of reforms is to create employment in the last one decade had been very few and far between.

    Adeyeme (2007) added that banking reforms such as treasury single account in Nigeria will result in job loss. The implementation of the policy of treasury single account (TSA) by the government will increase in deposit interest rate.

    Anyanwu (2010) highlighted the challenges to the recent banking, in his study he include the unfavorable macro-economic environment, cumbersome documentation process, inadequate long term finance, lack of data base on borrowers and poor infrastructure because of the low liquidity of banks, they have to encourage the public by increase interest in rate on deposits.

    Zubairu (2006) identified human resources realignment technology integration, stakeholders concern, and monitoring and supervision problems as cumulating from the consolidation of banks in Nigeria. We see a return of the era where women are employed by banks specifically for deposit mobilization and forcibly encouraged to use any means necessary to get funds. Consequent upon the forgoing, the study is poised to examine the impact of treasury single account on the Nigerian banking sector.

    1.3 Objectives Of The Study

    The following are the objectives of the study

    1. To examine the implication of treasury single account on the banking sector in Nigeria.
    2. To examine the implication of the treasury single account on the economic development in Nigeria.
    3. To identify the benefits of treasury single account.

    1.4 Research Question

    1. What are the implications of treasury single account in the banking sector in Nigeria?
    2. What are the implications of treasury single accounts on the economic development in Nigeria?
    3. What are the benefits of treasury single account?

    1.5 Statement Of Research Hypothesis

    The under listed hypothesis are hereby formulated.

    1. H0: There is no significant relationship between treasury single account (TSA) and the banking sector in Nigeria.
      H1: There is a significant relationship between treasury single account (TSA) and the banking sector in Nigeria.
    2. H0: There is no significant relationship between treasury single account (TSA) and economic development in Nigeria.
      H1: There is a significant relationship between treasury single account (TSA) and the economic development.
    3. H0: There is no significant benefit of treasury single account (TSA) and the general Nigeria public.
      H1: There is a significant benefit of treasury single account (TSA) and the general public.
    …

    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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