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BANKS PARTICIPATION IN INDUSTRIAL
DEVELOPMENT OF NIGERIA (A CASE STUDY OF UNION BANK NIG. PLC)
PURPOSE:
The
researcher intends to identify and evaluate the services rendered by banks in
Nigeria so as to ascertain the adequacy
and efficiency of these service to the industrial development of Nigeria of
otherwise to recommend appropriate steps to be taken by those banks in contributing its quota
in the industrialization process in Enugu
state and Nigeria as a whole.
To achieve
this the researcher will undertake the
project work by making a case study of
union bank of Nigeria Plc Enugu main office.
METHODOLOGY
In
pursuances of this research the researcher employee the use of primary and
secondary data, oral interview an personal observation will also be used.
FINDING
Based on the
primary and secondary data that will be collected form union bank in Enugu
state it will be observed that some of the services rendered by these banks
only will exist in theory by providing
answers to the research question that will be in chapter one. In view of
these findings, it will be recommended among other things that these
banks commercial and merchant banks
should be staffed with professional staffs. These professional staffs will
adhere strictly to the modalities worked out by the federal ministry of finance and central bank of Nigeria (CBN)
to prevent any bank distress and failures.
On the other
hand, the researcher recommends that the industrialist should be realistic when
preparing their estimates and values of project they intend to executive, and
they should give time figure of their
financial statement and make sure
that the funds or loan that will be extended to them will not be diverted to
private ventures.
It will be
the belief of the researcher that if all these recommendation are strictly herd
to and is implemented, the problems military against the industrial
development of our country will be
reduced if not totally eliminated.
CHAPTER ONE
INTRODUCTION
1.1 BACKGROUND OF STUDY
A country
wealth development and advancement by its level of industrialization, a country
becomes famous among other countries of the world when it has been able to
attain to a remarkable degree in industrialization. In view of the above we
have deemed it necessary to embark on a research project on “Banks
participation in industrial development of Nigeria. This is an attempt and
effort to draw the mind of every Nigeria to ask himself certain silent
questions like.
1.2 STATEMENT OF PROBLEM
How far has
our country advanced in industrial development
What are the
things necessary for the industrial development of our country?
Why have
certain financial bodies not participated fully in the exercise?
If we are
able to give answer to these question and if we are able to identify the
problem I encountered in the process and also to give solutions to these problem both
collectively and individual then, there is hope that within a short time.
Our country Nigeria will be able to develop ten times more than it has done in
the long past.
A developing
country as Nigeria is characterized by a high degree of subsistence
products with very limited application
of technology. As a result manufacturing industries are relatively low and the
agro- based industries are paramount.
Industrialization
should apply to all sector of an economy implying the application of science
and technology to raise the worker, in other words all sectors of the economy
(mining, agriculture, manufacturing, industries, commercial service should
advance.
1.3 OBJECTIVE OF THE STUDY
Industrialization
means the development of industries, applying science and technology in order
to provide work for the growing population and raise the standard of living by
increasing per capital net income and improve balance, of payment situation.
Industrialization is aimed at impact restriction and increasing export.
For our
country to attain any degree of industrialization, it must overcome a series of
obstacles and difficulties because it has had its development plans disrupted
by series of military interventions and civil war. It should be noted that
there is no limit to the degree of development a country can attain if and only
if its reserves are full y utilized. Whether our country is developed or not
depends on the existing level of wealth and material welt are. The measure of
development of any country is based on its per capital income. That is dividing
net national income by the total population to get capital income.
Nigeria has high
rate of population increase but has land still available for agriculture
expansion. Its per capital income are as a result of its chronic
under-utilization of resources rather than substantial utilization. Although
Nigeria is now spending on industrial projects, the stage of industrial
development is still at its lower level. Nigeria is still developing and so it
is per both in income and in capital and its resources are not yet fully
tapped. It is therefore most patient to state at the juncture that for nations
resources to be fully utilized the aid of science and technology must be
sought.
There are
three major things that requirement to achieve success in any venture in life viz time interest and
money. Behind every successful business
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