THE INCIDENCE OF BAD DEBTS AND CREDIT MANAGEMENT IN NIGERIA COMMERCIAL BANKS

  • Type: Project
  • Department: Banking and Finance
  • Project ID: BFN1193
  • Access Fee: ₦5,000 ($14)
  • Pages: 32 Pages
  • Format: Microsoft Word
  • Views: 895
  • Report This work

For more Info, call us on
+234 8130 686 500
or
+234 8093 423 853
TABLE OF CONTENTS

Title page:  =  =  =  =  i
Approval page: =  =  =  =  ii
Dedication: =  =  =  =  iii
Acknowledgment:  =  =  =  iv
Abstract:  =  =  =  =  v
Table of contents:  =  =  =  vi

CHAPTER ONE 
1.1 Background of the study:  =  =  1
1.2 Statement of problem:  =  =  2
1.3 Objective of the study:  =  =  3
1.4 Significance of the study:  =  =  4
1.5 Scope and limitation of the study:  =  5
1.6 Definition of terms: =  =  =  6
1.7 Reference:   =  =  =  7

CHAPTER TWO 
2.0 literature review: =  =  =  8
2.1 Government control over credit:  =  9
2.2 Types of loan offered by the bank:  =  10
2.3 Causes of bad debts:   =  =  11
2.4change of bad debt:   =  =  13
2.5 references:  =  =  =  14

CHAPTER THREE 
3.0 Research design and methodology:  =  15
3.1 Research design: =  =  =  16
3.2  Populations:  =  =  =  17
3.3 Types of data used: =  =  =  20
3.4 Location of data: =  =  =  21
3.5 Method of data collection:  =  =  22
3.6 References:  =  =  =  23

CHAPTER FOUR 
4.1 Summary of findings:  =  =  24

CHAPTER FIVE 
5.1 summary recommendation and conclusion:  25
5.2 recommendation: =  =  =  26
5.3 conclusion:  =  =  =  27
5.4 Bibliography:   =  =  =  29

INTRODUCTION

 In a modern Economy, there is a distinction between surplus economics units and the deficit economics units and in a separation of the saving investment mechanism. This has necessitated the existence of financial institutions whose jobs includes the transfer of funds from savers to investor. One of such institution is the commercial Bank.
 The commercial Banks are regarded as banks because they create money. They do this by establishing chequing account for their customers for whom they create demand deposited and pay out cash on demand.
 Traditionally, the essential features of a commercial bank lies on the service it renders to its numerous customers. These services basically includes deposite stabilization, credit management money transmission, and consultancy services etc. however their most vital function and which has a great impact on the economy as a whole is credit. 
 The primary function of commercial bank is the extension of credit to worthy borrowers. 
 Commercial bank are rendering a great financial services. Through their actions production is increased, capital investments are expanded and a higher standard of living is realized.
 Additionally, this functions are very important in that they distinguish bank from all other financial institutions and very unique position to manipulate the level and volume of demand deposite by limiting borrowing. 
 Credit extension management is one of the most intricate function performed by banks. This is so because loan portfolio is the greatest risk in the banking activity. Hence if due care and prudence is not exercised, it might result in bad debts. Bad debts are normal business expense and must be charged as such when calculating the profit and loss for the period.
 Besides, business sin the other hand cannot exist without debt. It is now impossible to achieve any thing weather as an individual or as a group of person without going into some form of debt or the other. It seen to be generally agreed that debt is essential to business.

STATEMENT OF PROBLEM 
 The volume and value of bank loans which have became classified has continued to increase even a faster rate than the increase in bank lending. This has adverse effect on banks since it effects their cash flow and impairs their profitability. It is believe that most debts go bad because of the inadequacy of loan management and recovery procedure of banks. 
 The problem of this study is to appraise  the lending and credit management policies of a typical commercial bank union bank of Nigeria Plc with a view of finding the cause and consequences of bad debts in banks.

THE INCIDENCE OF BAD DEBTS AND CREDIT MANAGEMENT IN NIGERIA COMMERCIAL BANKS
For more Info, call us on
+234 8130 686 500
or
+234 8093 423 853

Share This
  • Type: Project
  • Department: Banking and Finance
  • Project ID: BFN1193
  • Access Fee: ₦5,000 ($14)
  • Pages: 32 Pages
  • Format: Microsoft Word
  • Views: 895

500
Leave a comment...

    Related Works

    ABSTRACT The purpose of this study was to determine the level of credit management and incidence of bad debts in Nigeria commercial banks. In the ordinary course of lending banks including load debts, which are changed against the income generated by the cause for bad and... Continue Reading
    ABSTRACT The purpose of this study was to determine the level of credit management and incidence of bad debts in Nigeria commercial banks. In the ordinary course of lending banks including load debts, which are changed against the income generated by the cause for bad and... Continue Reading
    ABSTRACT The purpose of this study was to determine the level of credit management and incidence of bad debts in Nigeria commercial banks. In the ordinary course of lending banks including load debts, which are changed against the income generated by the cause for bad and doubtful debts.  Besides a cursory look at the annual statement of most... Continue Reading
    ABSTRACT The purpose of this study was to determine the level of credit management and incidence of bad debts in Nigeria commercial banks. In the ordinary course of lending banks including load debts, which are changed against the income generated by the cause for bad and doubtful debts. Besides a cursory look at the annual statement of most... Continue Reading
    THE INCIDENCE OF BAD DEBTS AND CREDIT MANAGEMENT IN NIGERIA COMMERCIAL BANKS TABLE OF CONTENTS CHAPTER ONE 1.1 Background of the study: 1.2 Statement of problem: 1.3 Objective of the study: 1.4 Significance of the study: 1.5 Scope and limitation of the study: 1.6 Definition of terms: 1.7 Reference: CHAPTER TWO 2.0 literature review: 2.1 Government... Continue Reading
    The article on this topic (credit management and issues of bad debts in commercial banks in Nigeria) is an extract from the literature review of the project material. The complete project work would be made available when you subscribe for the full material. 2.1. THEORITICAL... Continue Reading
    INTRODUCTION. 1.1 BACKGROUND OF STUDY.          A Bank economic purpose is to act as a financial intermediate it facilities the process of channeling savings into investments and one of the avenue of realizing this objective is by lending effectively.         It was recommended amongst others that state owned commercial banks should be... Continue Reading
    INTRODUCTION. 1.1 BACKGROUND OF STUDY.          A Bank economic purpose is to act as a financial intermediate it facilities the process of channeling savings into investments and one of the avenue of realizing this objective is by lending effectively.         It was recommended amongst others that state owned commercial banks should be... Continue Reading
    CREDIT MANAGEMENT AND THE INCIDENCE OF BAD DEBT IN   NIGERIA MONEY-DEPOSIT BANKS. (A CASE STUDY OF UNION BANK OF NIGERIA PLC) ABSTRACT This research work was undertaken to assess the credit management and the incidence of Bad debts in Money-Deposit Banks.This work was intended to achieve the following objectives: to appraise and determine the... Continue Reading
    CREDIT MANAGEMENT AND THE INCIDENCE OF BAD DEBT IN NIGERIA MONEY-DEPOSIT BANKS. (A CASE STUDY OF UNION BANK OF NIGERIA PLC) ABSTRACT This research work was undertaken to assess the credit management and the incidence of Bad debts in Money-Deposit Banks.This work was intended to achieve the following objectives: to appraise and determine the... Continue Reading
    Call Us Get this work