PROBLEMS OF OBTAINING BANK LOANS IN NIGERIAN BANKS

Department: accounting project topics | Type: Project topics and materials | Format: Ms Word, PDF | Attribute: Documentation Only | Pages: 41 Pages | Chapters: 1-5 chapters | Price: ₦ 3,000.00

1,670 marked this research material reliable.
Call or whatsapp: +2347063298784 or email: info@researchcub.info
PROBLEMS OF OBTAINING BANK LOANS IN NIGERIAN BANKS
PROBLEMS OF OBTAINING BANK LOANS IN NIGERIAN BANKS

1.0            INTRODUCTION

1.1     BACKGROUND OF THE STUDY:

Erasing enterprises is established with the assumption that the objective of every management is to maximize profit.  And a very good example of the sector is the financial institution known as the banking sector.  The phenomenal growth of banks following the introduction of SAP creates a fake impression that the banking sector is an all corners business.

The banking and financial industry if unique in that it depends mostly on the public confidence and once the confidence is eroded on some banks, it may spread to other banks and institutions and this could be very dangerous to the whole system and the economy at large.

It should also be noted as (Orji 1998) stressed that bank lending simply means credit creation and that implies that the profit maximization of the banks is mainly realized through credit creation, the bank authorities should abide by the rules and regulation of APEX Bank (CBN) i.e. lending to the worst unit sector of the economy and on a reliable collaterals.

The research work will focus on the possible reasons for bank failures.  In this regard of loan lending and loan recovery and effect of such on the rest of the populace plus how the financial industry could be transformed to meet the increasing challenges of the present day and finally assessing the role of the Central Bank of Nigeria in ensuring safety of bank loan.

1.2            OBJECTIVE OF THE STUDY:

The issue of bank lending and its recovery strategies passed as a challenge to the financial sector in particular and the whole economy in general and as such the project work is carried out to meet the following aims and objectives.

  1. To know if the increased administrative expenses can be eliminated by good lending policies.
  2. To find out if default borrowers can be reprimated by serving a demand notice.
  3. To ascertain how secured the collateral securities of these loan are.
  4. To find out the extent of defaultness in the repayment of loan advances.
  5. To establish the factors responsible for loan repayment in Nigeria.

1.3            SIGNIFICANCE OF THE STUDY

The research study will bring to light the observed reasons for commercial bank credit recovery failure and the effect of such on the institution, this will help banks to make amendment where necessary and help them increase their creation abilities and recover them at the fullness of time.

1.4            SCOPE AND LIMITATIONS OF STUDY:

This research work focuses on the commercial bank lending and loan recovery strategies due to problem associated in the regards in the sector.

The study will reflect briefly on the history of banking business in Nigeria, the development over the policies on operations and mode of xx.

However, due to limitation the work now focused on the Citizens International Bank, currently, there has not been enough work on the loan recovery strategy in the industry. It is expected that the move will be affected by those factors.

This financial constraints has adversely affected this study.  Also proximity to published book on the said project topic as a difficult task to overcome.

Moreso, the data obtained is with the scope of the domestic banking as financial system, the issue of time constrains the project works.

Since this work needed extensive research to come out a very constructive project and while it was done simultaneously with other class work it has not been easy to allocate enough time to this study.

The work though very interesting was constrained by certain factors.  It would have been wonderful if author was opportune to have all the resources needed at his disposal, but this was not possible due to time factors and financial constraint on the other hand and financial problems coupled with general like in faces as occasioned by the fuel crisis that prevailed over the period of the study automatically limited my visitation to places where I would have sourced information.

1.5            DEFINITION OF TERMS:

The following are some technical terms used in the project.

1.       CREDIT POLICY:

This is how a firm plans to give its credit collection of debts owned to it by its customers.

2.       LOAN PORTFOLIO:

A mixture of shares and bonds held by a firm.

3.       CAPITAL:

          It is the money by which one start off a business with. In a more technical terms, it could be referred to as the resultant between total assets and the habitation of a firm.

4.       MANAGEMENT:

The dismantling of regulation by Central around the world.  This has been another features of xxx internationalization.

5.       CAMEL:

Capital adequacy, asset quality management competence, burning strengths and inquisitively sufficiency.

6.       NIGER EUGENE:

(1999) defines manager as the fusing together to two or more companies to form a company whether fusion it voluntary of forced.

7.       SAP:

          Structural Adjustment Programme.

8.       APEX BANK:

          This is the regulatory authorities of banking in Nigeria and if otherwise known as Central Bank of Nigeria.

PROBLEMS OF OBTAINING BANK LOANS IN NIGERIAN BANKS

Additional Information

  • The Project Material is available for download.
  • The Research material is delivered within 15-30 Minutes.
  • The Material is complete from Preliminary Pages to References.
  • Well Researched and Approved for supervision.
  • Click the download button below to get the complete project material.

Frequently Asked Questions

In-order to give you the best service available online, we have compiled frequently asked questions (FAQ) from our clients so as to answer them and make your visit much more interesting.

We are proudly Nigerians, and we are well aware of fraudulent activities that has been ongoing in the internet. To make it well known to our customers, we are geniune and duely registered with the Corporate Affairs Commission of the republic of Nigeria. Remember, Fraudulent sites can NEVER post bank accounts or contact address which contains personal information. Free chapter One is always given on the site to prove to you that we have the material. If you are unable to view the free chapter 1 send an email to info@researchcub.info with the subject head "FREE CHAPTER 1' plus the topic. You will get a free chapter 1 within an hour. You can also check out what our happy clients have to say.


Students are always advised to use our materials as guide. However, if you have a different case study, you may need to consult one of our professional writers to help you with that. Depending on similarity of the organization/industry you may modify if you wish.


We have professional writers in various disciplines. If you have a fresh topic, just click Hire a Writer or click here to fill the form and one of our writers will contact you shortly.


Yes it is a complete research project. We ensure that our client receives complete project materials which includes chapters 1-5, full references, questionnaires/secondary data, etc.


Depending on how fast your request is acknowledged by us, you will get the complete project material withing 15-30 minutes. However, on a very good day you can still get it within 5 minutes!

What Clients Say

Our Researchers are happy, see what they are saying. Share your own experience with the world.
Be polite and honest, as we seek to expand our business and reach more people. Thank you.

A Research proposal for problems of obtaining bank loans in nigerian banks:
Reviews: A Review on problems of obtaining bank loans in nigerian banks, problems, obtaining, bank project topics, researchcub.info, project topic, list of project topics, research project topics, journals, books, Academic writer.
Erasing enterprises is established with the assumption that the objective of every management is to maximize profit. And a very good example of the sector is the financial institution known as the banking sector. The phenomenal growth of banks following the introduction of SAP creates a fake impression that the banking sector is an all corners business. The banking and financial industry if unique in that it depends mostly on the public confidence and once the confidence is eroded on some banks, it may spread to other banks and institutions and this could be very dangerous to the whole system and the economy at large... accounting project topics

PROBLEMS OF OBTAINING BANK LOANS IN NIGERIAN BANKS

Project Information

Share Links

Download Post
Download Post

Search for Project Topics

Project topics in Departments

Do you need a writer for your academic work?