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This aims at determining  the  effect of motivation on the attitude and practices of employees towards achieving higher productivity with reference to the Union Bank    plc Okpara Avenue Enugu.  This bank was chosen taking into consideration its position in the banking sector today as one of the most successful.This book seems to find out how best to motivate employees for a higher productivity, this now makes it necessary for the study to be divided into five chapters which can be seen in the table of contents.To enable the Researcher carryout this work effectively some questions in form questionnaires will be distributed to a particular sample size of workers, interview method will also be used.  Data



Generally organisation comprise if two groups of people, the employees i.e. the people who forms the greater part workman group and the management of the organisation i.e. Managing Directors who involves in the decision making in the organisation.  Man in his natural form in 1934 always tries to gravitate towards his comfort zone unless some kind of force in applied to him.  It is this force or situation that causes him desire to move out of his comfort zone in order to avert a negative consequence.  This force of situation now becomes the motive for his working towards this set target (motivating factor).


According to Poku (1967:226) our lives are worked by our need, our desire and our preferences, so the way we live and what we achieve (within the limit of our ability of one particular circumstances) are the product of these feeling, therefore, people join organisation to satisfy these needs and desired.  Motivation can be defined as the need, or fear that prompt an individual act.  (Webster Encyclopaedic dictionary of the English Language 1991) motivation is the process that moves a person towards a goal.  Wole Adewunmi also defines motivation as the inner stimulus that induces one to behave the way he does it is that thing that makes you do what you dove inner drive, it has to do with that inner state that energies, activates or moves and therefore directs behaviour towards goal.

Individuals form the employees in any banking industry, their behaviour and reaction towards various kinds of motivation must be borne in mind our effort is to find out the effect of those factors on higher productivity.  This higher productivity is the ultimate desire of every profit making organisation especially the banks in general.  The union bank plc also has its root in the above phenomena.

Man works basically on the two following reasons:

a.                   His primary motive is to obtain the resources to meet his physiological needs and support his family.

b.                  The secondary motive concern mans social needs which has wide ramification.  He was to feel that he belongs, that he is accepted by his fellows, this is clearly associated with a desire for companionship.  According to burling Hame in his seventeenth century book, he stated and I quote, “work is the resources of mans’ most basic satisfaction it is his social catalyst.  The ultimate goal of man is to fulfil himself as a unique individual according to his own innate potential and within the limit of reality.

There are several incentives that could motivate people to work to their optimal level and when these variables are not there, their productivity will generally be affected.  These therefore could lead to:

a.                   low level of production

b.                  poor quality of service

c.                   high rate of absenteeism and labour turnover.

d.                  Bad time keeping and general tax discipline on the other hand, if there are well package incentives such as:

Recognition of self-achievement, advertisement, promotion, good remuneration, and conducive working environment this will lead to greater productivity and less labour turnover.  This study is therefore chosen to look at various theories of motivation, their influence on workers and extent they have gone in ensuring higher productivity in banking sectors.

1.1              STATEMENT OF PROBLEM

Prior to 1945 the Financial Institution has witnessed an increase in the number of finance houses and banks in particular.  Event in the recent years has been a near collapse of this sectors leaving many banks in distress and liquidation which some have managed to survive, so many have been given out by the concerned authority to same the situation still this sectors cannot recover from their epileptic stand.

The fact therefore remains that the banking sector and other profit making organisation in general no matter how computerized or achitectionally well designed its building is, still built on efficiency of the available human resources and actual input.  It therefore takes the wits and dedication of the individuals for this tools to actually function effectively.  Considering the above therefore the need for a diligent and lowest work fore for higher productivity cannot be overemphasized.  My believe then remains that this is a resultant effect of workers motivation, poor motivation may porting clear display of lack of interest in the work through non-challant attitude to things would helped the banks fortune.

1.2              BACKGROUND OF THE STUDY

Modern banking was first introduced and firm introduced and firm foundation for banking in Nigeria began.  Union bank which was formerly known as Barclays bank was a product of the post independence indiginization process in Nigeria a part of the banking boom and crash the late 1940s and early 50s, in 1959 the country was of course triggered off by the establishment of CBN and the era of the free banking period.  Today the Union bank plc has emerged in one of the leaders in the banking business in Nigeria both the largest number of shareholders and the greatest asset base.  Even in the midst of unfavourable business atmosphere and crunching policy, the bank has taken over the new generation banks and its contemporaries.

The question in why is this bank successful, why is the bank not particularly affected like others with frequent staff management disagreement.  It is correct that there must have been attentive motivating factors.

1.3              PURPOSE OF THE STUDY

The basic objective of any organisation is higher productivity and maximization of profit.  This however cannot be achieved without enough incentive or inducement on the actual tools applied towards this in form of motivation itself being essential in directed to the needs of individual be it realistic or illusory.

The main purpose of this research is to identify and analyse the extent motivation can go as an instrument in encouraging worker productivity in an organisation as bank with special interest on Union Bank plc Okpara Avenue.


The study will have to examine whether the incentives scheme have any impact on workers job performance in an organisation and to examine weather the bank offer Harvard allowance to staff.

This study will have it main focus on the success story of this bank relating it to workers benefits and other incentives/inducements.  It therefore serve as model for banks who want to improve their productivity especially at this period of global economic recession and rampant cases of distress in banking sector.

1.4              RESEARCH QUESTION

1.                  What is the effect of bad and proper motivation?

2.                  Is lack of proper motivation on the staff actually determined the general performance of a bank as well as the positive and negative effect of customer staff rationship and staff management relationship on the other hand?

3.                  Does lack of proper motivation breeds inefficiency and low productivity?

1.5              RESEARCH HYPOTHESIS

The above theoretical framework will lead to a broad based hypothesis which will now be compressed into significant on which the issue of motivation as regard the bank be based.  Putting into consideration two basic set of employee, the skilled and un-skilled workers and what entices them as well as the effect of those factors of motivation so considered as money, accommodation and comfort etc are channelled towards making the above discoveries.

1.6              SIGNIFICANCE OF STUDY

This study is aimed at coming out with a recommendation on best workers productivity in an organisation with reference to union bank plc Okpara Avenue and how it can be improved after careful examination of the nature of incentive that best appeals to employees of labour in this era.  It is hope that this study when completed will assist banks in their operations and enable them to employ adequate incentive schemes and other motivation variables that would optimise the productivity and performance of their operations.  The study when completed will identify the motivation factors and incentive variables if any that are currently militating against job performance and productivity.

This work will be of important assistance to banks in general as it will enable them to restructure their incentive scheme so as to effect the aspiration and need of their workers and so as to effect the aspiration and need of their workers and also expose them to some of the incentives that could motivate their worker for higher productivity or to greater achievement if appropriately applied.  This research is out to serve as a working tool for those whose interest undoubted lie in ensuring on increase productivity and equally help the students who wish to carry out a similar study in the establishment.

1.7              SCOPE OF STUDY

The information’s used in this study were drawn from texts, workers of the bank concerned and newspaper.

1.8              DEFINITIONS OF TERMS

1.         Incentive:       Something that induces, arouses and encourages one to out extra effort in his/her endeavour

2.         Impact:           Strong impression of effect.

3.         Performance: Notable action achievement.


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