MANAGEMENT OF BAD DEBT IN THE NIGERIA BANKING SYSTEM SCOPES AND REMEDIES.

  • Chapters:5
  • Pages:28
  • Methodology:nil
  • Reference:YES
  • Format:Microsoft Word
(Banking and Finance)
MANAGEMENT OF BAD DEBT IN THE NIGERIA BANKING SYSTEM SCOPES AND REMEDIES.
ABSTRACT

This study is all about the management of bank debt in Nigeria banking system, scopes and remedies.
It is designed to evaluate the problem of bad debt in banking lending. It is also assets how effective the customers could help the banker to appraise a customer presenting lending proposition.
Findings from this study indicate that bad debt has being a tax brother to the banking industries. Bank can stand squarely without giving loan to the customer because they receive back some  percentage of interest accrue former the principle.
But due to lack of sincerity people cannot pay back their loans. This leaving those loans outstanding. The implication for both the bank and their customers as regards ability to debt obligation is quite obvious.
It is when a banker is satisfied with the credibility of the customer that they will demand for a security to back up the loan. This is the center of the project.
TABLE OF CONTENT
CHAPTER ONE
1.0    Introduction
1.1 background of the study
1.2 statement of problem
1.3 objective of the study
1.4 delimitation scope and limitation of the problem
1.5 definition of terms
Reference
CHAPTER TWO
2.0 review of related literature
2.1 credit management
2.2 securities for bank lending
2.3 causes of bad debts
reference
CHAPTER THREE
3.0 research design of methodology
3.1 sources of data
3.2 method of data
reference
CHAPTER FOUR
4.0 data presentation
reference
CHAPTER FIVE
5.0 conclusions and recommendation
5.1 summary
5.2 recommendation
5.3 conclusions
bibliography
 CHAPTER ONE
INTRODUCTION
1.1 BACKGROUND OF THE STUDY
Banks have been credited generally with enviable role of being a very important source of funds or capital for the development of the economy.
This recognition largely emanates from the roles assumed by most banking institutions in mobilizing various deposits and channeling some towards feasible and viable ventures. This size, type and level of such profitable outlet along with other complimentary factors contribute to economy well being of the country in which the bank is situated. As a result of this, banking institutions have been an agent of economic growth and perhaps economic development.
This deposit which are loanable funds can only be made available to banks, if customer make substantial deposit which banks in turn employ to make loan and advance available to borrower so as to generate interest which may accrue from the advances.
This enables the bank to run its day-to-day administrative cost, remain in business and pay satisfactory divided to its shareholders.
1.2 STATEMENT OF PROBLEMS:
It is unfortunate that the borrowers take undue advantage of these loan and advances granted to them by not utilizing them for the purpose for which were given hence bringing about default in the repayment of such loans and subsequent bad debts.
So, bad debt can be defined as unrecoverable debts. The borrower consistent inconsistency in response to demand for the repayment of loan and make it extremely difficult for other intending borrowers or fund seeker to avail themselves of the opportunity of enjoying such facilities among other consequences.
1.3 The project work therefore is aimed at evaluating the following points:
(a) To evaluate the problem of bad debts in banking lending
(b) To identifying its remote and immediate causes.
(C) To determine its effects to the economy in general.
(d) To make recommendation on how possible.
1.5 DEFINITION OF TERMS:
1. BANK: Otherwise specially stated bank in this study refer to commercial banks. Commercial bank is described by the banking act, 19689 as a bank whose business include the acceptance of deposit, withdrawal by cheque include loans and advances.
2. CAPITAL: This is the amount used for the commencement of business with addition subsequently made. It is also a set aside wealth for the production of more wealth.
3. LOAN CREDIT RISK: This is the profitability that a borrower may not repay the loan granted him by the bank.
4. MONEY RATE: This entails the possibility of value of money increasing or decreasing.
5. MARKET RATE: The probability of the interest rate change.

Share This

Project Details

Department Banking and Finance
Project ID BFN0308
Price ₦3,000 ($9)
Chapters 5 Chapters
No of Pages 28 Pages
Methodology nil
Reference YES
Format Microsoft Word

500
Leave a comment...

    Project Details

    Department Banking and Finance
    Project ID BFN0308
    Price ₦3,000 ($9)
    Chapters 5 Chapters
    No of Pages 28 Pages
    Methodology nil
    Reference YES
    Format Microsoft Word

    Related Project Topics

    MANAGEMENT OF BAD DEBT IN THE NIGERIA BANKING SYSTEM SCOPES AND REMEDIES. ABSTRACT This study is all about the management of bank debt in Nigeria banking system, scopes and remedies. It is designed to evaluate the problem of bad debt in banking lending. It is also assets how effective the customers... Continue Reading
    Abstract This project work analyzed the incidence of bad debt in the banking industries as well as the effect on the individual borrowers and shareholders. The project work also stressed on the cause of bad debt and its... Continue Reading
    • Type:Project
    • ID:ACC0240
    • Department:Accounting
    • Pages:26
    • Chapters:2
    • Methodology:nil
    • Reference:YES
    CREDIT MANAGEMENT AND THE INCIDENCE OF BAD DEBT IN NIGERIA MONEY-DEPOSIT BANKS. (A CASE STUDY OF UNION BANK OF NIGERIA PLC) ABSTRACT This research work was undertaken to assess the credit management and the incidence of Bad debts in Money-Deposit Banks.This work was intended to achieve the... Continue Reading
    ABSTRACT The central bank of Nigerian (C.B.N) started full-scale operation on 1st July 1959, and since its inception like most of the central bank the world over, performs certain national and international... Continue Reading
    • Type:Project
    • ID:ACC0407
    • Department:Accounting
    • Pages:32
    • Chapters:5
    • Methodology:Descriptive
    • Reference:YES
    ANALYSING DEBT MANAGEMENT TECHNIQUES IN BUSINESS ORGANISATIONS IN NIGERIA. (A CASE STUDY OF NIGERIA BOTTLING COMPANY PLC, ENUGU) ABSTRACT Previously debt can be talked of when group of societies economic position suffer efficiency. It was the only tim measure of the organization or individual... Continue Reading
    ANALYZING DEBT MANAGEMENT TECHNIQUES IN BUSINESS ORGANIZATIONS IN NIGERIA (A CASE STUDY OF NIGERIA BOTTLING COMPANY PLC ENUGU) ABSTRACT Previously debt can be talked of when individual, group of solicits suffer efficiency. At the down of the modern economic life, it has been observed that one can... Continue Reading
    CHAPTER ONE 1.0 INTRODUCTION 1.1 BACKGROUND OF THE STUDY In contemporary business setting, debt is seemingly inevitable. Sometimes it emanates from short fund convenience... Continue Reading
    ABSTRACT The study was carried out to verify all the manual processes involved in patient management system and to seek for a way of automating the system for effective operations. Since, there is continuous moves towards... Continue Reading
    ABSTRACT There were so many difficulties which this research work was confronted with bank officials were so reluctant to give out helpful information of this problem and there was also the cost of research and limited time... Continue Reading
    ABSTRACT There were so many difficulties which this research work was confronted with bank officials were so reluctant to give out helpful information of this problem and there was also the cost of research and limited time... Continue Reading