Project Topics, List of Project Topics, Research Project Topics
EFFECT OF BAD  AND DOUBTFUL  DEBT ON THE LIQUIDITY ASSET OF  BANKS IN NIGERIA

EFFECT OF BAD  AND DOUBTFUL  DEBT ON THE LIQUIDITY ASSET OF  BANKS IN NIGERIA


2,284 marked this research material reliable.
Call or whatsapp: +2347063298784 or email: info@allprojectmaterials.com
Department: accounting project topics | Type: Project Topics | Project Topics and Materials | List of Project Topics | Research Project Materials | Journals | Thesis | Articles | Online Project Materials | Business Plan | Final year project topic | Format: Ms Word and PDF | Attribute: Documentation Only | Pages: 65 Pages | Chapters: Complete Research work from Chapter 1 to 5; All chapters | Inclusive: Abstract, Preliminary Pages, Table of Contents and Appendices | Cost: ₦ 5,000.00


EFFECT OF BAD  AND DOUBTFUL  DEBT ON THE LIQUIDITY ASSET OF  BANKS IN NIGERIA

PROJECT TOPICS AND MATERIALS ON EFFECT OF BAD  AND DOUBTFUL  DEBT ON THE LIQUIDITY ASSET OF  BANKS IN NIGERIA


ABSTRACT

The research  is an appraisal of the effect of bad and doubtful debt on the liquidity asset of banks in Nigeria. It analyses the concept of bad and doubtful debt and highlight the effect of bad and doubtful debt on the liquidity of banks in Nigeria.

INTRODUCTION

bad and doubtful debt is used in the banking sector  to refer to the portion of loans, advances and over drafts granted by bank which has proved difficult and seemingly impossible to recover in full from the respective committed customer. Such debt do not emerge instantaneously but rather are a gradual result of errors by lending officers and subsequent improper administrative handling of the facilities among other factors.
The commercial banks are in the services industry. They are aimed at providing financial assistance to individuals and corporate bodies without underplaying the importance of profitability to the shareholders and depositors alike. A bank is therefore expected to ensure that sufficient liquidity of funds meet cash demand by its customer at short notices.

This, in addition to maintaining sufficient profitability hold through proper and efficient management. A business has two basic source of capital:

1.      Owners Capital:That is equity contributed by shareholders (including retained earnings) which is essentially used for he purchase of the initial assets of the business and its initial working capital.

2.      Borrowed Funds: Which refers to external fund required and injected into the business by management subject to the articles and memoranda of Association. It is here that the commercial bank play an important role by granting long and short term loans and advances. It is in the process of granting those loans facilities that error occurs. Losses resulting from such errors will be the focus of this research.

1.1     BACKGROUND OF THE STUDY

Through the proper use of interest rate banks are able to attract depositors of various terms. Such depositors include, short term deposits ranging from 7 days to 6 months, long term, deposits current account. This is regarded as special borrowing by the bank since the bank of any purpose(s) could use any deposits without recourse to the depositors, and such depositors are only payable on demand or at any agreed date. It is these depositors, which provide the basis for banks lending to various customers. This is subject of the reserve ratio set by the central bank of Nigeria (CBN).

The interest rates charged on loans by banks are usually higher than the rates they pay on deposit and are determined by the federal government. It was the interest rates chargeable and payable on  loans facilities and deposits respectively.
The numbers of volume of good loan and advance seriously determine the degree of profitable commercial banks. Consequently, profitable commercial banks have to limit or eliminate the number of bad account in their lending portfolio. It is necessary to note that all funds tied up in bad and doubtful account are not accountable for further onward lending.
            Also, with the advent of CBN prudential guidelines, non performing loans and advances whose interest have been outstanding on these account are not reflected in the earnings of commercial bank, but charged to interest suspense and charged income when realized. Bad debt is regarded as negative contributors to the profitability of commercial banks. So banks should be expected to be the most relevant to provide for bad debts unless it is unavoidable.
            Another dimension however is that critics are quick in pointing out that the high bad or doubtful debts figures in final accounts of commercial banks could be realistic. It is also alleged that banks could use such provision to evade tax. It also demonstrate the incompetence of the lending bankers in the management of loan able funds on the other hand, it is held that this provisions shows the level of convenience by the bank officer system. This views was expressed by the president of Association of Shareholders of Wema Bank, Mr. AkintundeAsaw. He alleged that some of the official of Wema Bank acted outside the specified authority and schedule by irregularly approving loans. He therefore gave the bank up to 1990 to recover all irregular loans while assuring that those involved in irregular disbursement of loans  would be punished.
            The final accounts  of most commercial banks in Nigeria have provisions for bad and doubtful debts of various figures while the funds of the level of such provisions is decreasing in the case of some commercial banks for other, it is increasing.
The view of the provisions for bad and doubtful debts by banks in the country has necessitated an in-depth study into the fundamental factors for such losses by the bank. The research therefore seek to determine the effect of bad and doubtful debt on the liquidity asset of banks in Nigeria

1.2     STATEMENT OF PROBLEM

The granting of loans and advances by banks constitute a fundamental function aimed at providing funds to customers when needed to execute projects and implement viable businesses and economic activities towards the development of the nation .However it is perplexing to note that volumes of such loans and advances are never recovered due to either poor administrative process of recovery or bad management of such loans and advances by the customers. This as a result leads to bad and doubtful debt, a greater percentage of which are never recovered. The implication is a loss to the bank and a drain on the banks financial resources. The problem confronting this research therefore is to determine the effect of bad and doubtful debt on the liquidity asset of banks in Nigeria with a case study of UBA PLC

1.3      RESEARCH QUESTION

1 What is the nature of bad and doubtful debt

2            What is bank liquidity asset

3            W hat  is the effect of bad and doubtful debt on the bank liquidity asset

4            What is the effect of bad and doubtful debt on UBA PLC liquidity asset

1.4       OBJECTIVE OF THE STUDY

1   To determine the nature of bad and doubtful debt

2        To determine the nature of bank liquidity asset

3        To determine the effect of bad and doubtful debt on banks liquidity asset

4        To determine the effect of bad and doubtful debt on UBA PLC liquidity asset

1.5   SIGNIFICANCE OF THE STUDY

1  To project the implication of  poor management loans and advances

2    To show the effect of bad and doubtful debt on banks liquidity asset

3    To profer possible measures to reduce the volume of bad and doubtful debt in banks

5        To emphasize the importance of bank liquidity asset for the overall well being of the bank.

1.6      STATEMENT OF HYPOTHESIS

1   Ho liquidity asset in UBA is low

     Hi liquidity asset in UBA is high

2   Ho bad and doubtful debtinUBA is low

     Hi bad and doubtful debt in UBA is high

3    Ho the effect of bad and doubtful debt  on liquidity asset in UBA is low

     Hi the effect of bad and doubtful debt on liquidity asset in UBA is high.

1.7       SCOPE OF THE STUDY

          The study focuses on the appraisal of  the effect of bad and doubtful  on the liquidity asset of banks in Nigeria with a case study of UBA PLC.

1.8       DEFINITION OF TERMS

BAD AND DOUBTFUL DEBT DEFINED ;Bad and doubtful debt is used in the banking sector  to refer to the portion of loans, advances and over drafts granted by bank which has proved difficult and seemingly impossible to recover in full from the respective committed customer.

DOWNLOAD COMPLETE WORK FOR EFFECT OF BAD  AND DOUBTFUL  DEBT ON THE LIQUIDITY ASSET OF  BANKS IN NIGERIA


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 effect of bad  and doubtful  debt on the liquidity asset of  banks in nigeria:
Reviews: A Review on effect of bad  and doubtful  debt on the liquidity asset of  banks in nigeria, effect, doubtful, debt project topics, researchcub.info, project topic, list of project topics, research project topics, journals, books, Academic writer.
Through the proper use of interest rate banks are able to attract depositors of various terms. Such depositors include, short term deposits ranging from 7 days to 6 months, long term, deposits current account. This is regarded as special borrowing by the bank since the bank of any purpose(s) could use any deposits without recourse to the depositors, and such depositors are only payable on demand or at any agreed date. It is these depositors, which provide the basis for banks lending to various customers. This is subject of the reserve ratio set by the central bank of Nigeria (CBN). .. accounting project topics

EFFECT OF BAD  AND DOUBTFUL  DEBT ON THE LIQUIDITY ASSET OF  BANKS IN NIGERIA

Project Information

Share Links

Download Post (MsWord)
Download Post (PDF)

Search for Project Topics

Project topics in Departments

How much does it cost to hire a writer in Nigeria?

Looking for Professional Approach and Quality Research Services ?

Estimating the cost of research writing in Nigeria: Freelance writers in Nigeria may charge anywhere from ₦5,000 to ₦50,000 or more per project, depending on the factors mentioned earlier. SEO-focused content may be on the higher end of this range due to the additional skills and research involved. For a more accurate estimate, it's recommended to reach out with us, discuss your specific requirements, and request a quote based on the scope of your project. Prices can vary, so getting personalized quotes will help you determine the cost more precisely.

Undergraduate Project Topics, economics project topics, marketing project topics, business administration project topics, engineering project topics, computer science project topics, banking & finance project topics, education project topics, law project topics, sciences project topics, public administration project topics, political science project topics, mathematics project topics, medical science project topics, mass communication project topics, research projects, geology project topics, marketing project topics, agriculture project topics, Browse Thousands of Final Year Project Topics, hire a writer, Research Works and Materials, Project topics and materials in Nigeria, Undergraduate Project Topics, Research Works and Materials, research topics, research project materials, complete project materials, computer science project material, free project topics, complete projects, accounting topics, small business topics, entrepreneurship topics, project materials, Nigerian undergraduate projects, business administration projects, computer science topics and projects, MBA Nigerian project topics, human resources, small businesses, entrepreneurship projects, economics projects, impacts projects, effect projects, university projects, polytechnic projects, investigate projects, political science projects, mass communication projects, project topics, human resource projects, education projects, French topics, project analysis, French projects, project tips, project abstract, project proposals, project bibliography, project reference, project seminar, forex, TSA, treasury single account, currency, naira, devaluation, undergraduate projects, final project research, marketing project topics, statistics project topics, mathematics project topics, statistics, mathematics, research projects, project thesis, labour force theses, NCE, OND, HND, BTECH, BSC, MBA, MSC, English projects, linguistic project topics, Free Project topics and materials in Nigeria, research topics, reseach project materials, computer science project material, free, complete, accounting topics, small business topics, materials, nigeria projects, business administration projects, computer science topics and projects, MBA nigeria project topics, human resources, small business, entrepreneurship projects, economics projects, impact projects, effects projects, training, budgets, ghana, university, polytechnic, browse Free project materials and topics in Nigeria, accounting and finance project materials, business administration project materials and topics, human resources, entrepreneurship, computer science and engineering project materials and topics, Accounting project topics, Accounting project topics and materials, Agricultural Economics Project Topics and Materials, Agricultural Science Projects topics and materials, All Project topics and materials, Architecture Project topics and materials, Aviation project topics and materials, Banking & Finance Projects topics and materials, Biology project and materials, Building project topics and materials, Business Administration & Management Projects topics and materials, Chemical Engineering Project Topics and materials, Civil Engineering Projects topics and materials, Communication & mass communication art project topics and materials, Computer Engineering Project Topics and materials, Computer Science Projects topics and materials, Criminology project topics and materials, Economics Research Projects topics and materials, Education Project Topics and Materials, Electrical Engineering Projects and materials, English Education & English Language Project topics and materials, Food Science project topics and materials, Geology Project Topics and materials, Guidance Counseling Project Topics and materials, History project topics and materials, Home Economics Project Topics and Materials, Human Resource Projects topics and Materials, Industrial Chemistry Projects topics and materials, Insurance Projects topics and materials, Law project topics and materials, Library and information science project topics and materials, Marine and Transport management project topics and materials, Marketing Projects topics and materials, Mathematics project topics and materials, Medical Sciences Project Topics and materials, Microbiology project topics and materials, Nursing and Midwifery project topics, Nursing and Midwifery project topics and materials, Optometry or nursing project topics and materials, Petroleum Engineering project topics and materials, Pharmacy project topics and materials, Philosophy project topics and materials, Photography project topics and materials, Physical and Health Education project topics and materials, Physiology project topics and materials, Political science project topics and materials, Project topics and materials, Psychology project topics and materials, Random project, Religious and Cultural Studies Project Topics and Materials, Sociology and Anthropology Project topics and materials, Sociology Project Topics and materials, Tourism project topics and materials, Vocational education project topics and materials. Project Topics: List of Project Topics | effect of bad  and doubtful  debt on the liquidity asset of  banks in nigeria | effect | doubtful | debt Project Topics | researchcub.info