THE IMPACT OF ACCOUNTING INFORMATION ON BANK LENDING DECISION
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THE IMPACT OF ACCOUNTING INFORMATION ON BANK LENDING DECISION
ABSTRACT
Information is considered as a vital tool in any decision situation.
Since we are aware that commercial banks make decision regularly on
application from clients for purpose of granting loans, it was
conceivable that they would benefit from accounting information which
clients are capable of providing.
The study was therefore an attempt to find out the extent to which
commercial banks in Nigeria had used accounting information as a tool
for decision making on loan application. The researcher made use of
interview and questionnaire method of data collection for the study.
The study concentrated on a sample of commercial banks located in
Enugu because of time and financial constraints. It was discovered that
the commercial banks studies make appropriate use of accounting
information. However, the comprehensiveness of the use of the
accounting information differed from one bank to the other. I found out
that they use the accounting information significant. The level of
comprehensiveness in the request for the accounting information in their
consideration of loan application varied according to the type of
clients. It was discovered that decision on whether to loan or not to
lend were modified by such factors as the personality and integrity of
the borrower evidence of ability to repay and also the central bank of
Nigeria credit guidelines. Judging from the banks studied, I recommend
that all commercial banks should make effective utilization of
accounting information since it is one of the effective tools with which
to assess both the viability of a project and the enterprise as a whole
for commercial banks to utilize accounting information, I recommend
that commercial banks should employ qualified financial analysts in the
various loan division to carry out intensive examination of accounting
information, provided by their clients.
It is also recommended that commercial banks should always insist on
the provision of accounting information by the enterprise during the
life of the loan so as to monitor the efficiency use of fund lent put.
THE IMPACT OF ACCOUNTING INFORMATION ON BANK LENDING DECISION
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The study concentrated on a sample of commercial banks located in Enugu because of time and financial constraints. It was discovered that the commercial banks studies make appropriate use of accounting information. However, the comprehensiveness of the use of the accounting information differed from one bank to the other. I found out that they use the accounting information significant. The level of comprehensiveness in the request for the accounting information in their consideration of loan application varied according to the type of clients. It was discovered that decision on whether to loan or not to lend were modified by such factors as the personality and integrity of the borrower evidence of ability to repay and also the central bank of Nigeria credit guidelines. .. accounting project topics
THE IMPACT OF ACCOUNTING INFORMATION ON BANK LENDING DECISION