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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.
To know if the
increased administrative expenses can be eliminated by good lending policies.
To find out
if default borrowers can be reprimated by serving a demand notice.
To ascertain
how secured the collateral securities of these loan are.
To find out
the extent of defaultness in the repayment of loan advances.
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.
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