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 following objectives: to appraise and determine the lending procedure of banks, to highlight the extent to which improper project evaluation influence bad debt of Money-Deposit Banks. Relevant data were collected from both primary and secondary sources. Questionnaire was the main primary data collected instrument employed while data from various relevant publications constituted the sources of secondary data. Upon the analysis of data, the following conclusions were drawn; that sound lending requires a clear-well articulated and easy accessible policy document which spells out the philosophy of lending. On the basis of the above findings, it was recommended that banks should ensure that loans given out to customers should be backed by adequate collateral security. Finally, it is the opinion of the researcher that the management of the Money-Deposit Banks should prevent the incidence of bad debts in Nigerian Banks.
TABLE OF CONTENTS
Title Page i
Approval Page ii
Certification iii
Dedication iv
Acknowledgement v
Abstract vi
Table of Contents vii
CHAPTER ONE: INTRODUCTION
1.1 Background of the study 1
1.2 Statement of the problems 2
1.3 Purpose̸ Objective of the study 3
1.4 Research Questions 4
1.5 Research Hypothesis 5
1.6 Significant of the study 6
1.7 Scope of the study 7
1.8 Limitations of the Study 8
1.9 Definition of terms 9
CHAPTER TWO: LITERATURE REVIEW
2.1 Theoretical Framework 9
2.2 Government control over credits 23
2.3 Credit Administration in Union bank of Nigeria plc 26
2.4 Lending and Credit Analysis 29
CHAPTER THREE: RESEARCH DESIGN AND METHODOLOGY
3.1 Research Methodology 36
3.2 Research Design 36 3.3 Area of Study 36
3.4 Population for the Study 36
3.5 Sample Size Used 36
3.6 Instrument For Data Collection 38
3.7 Validation of the instrument 39
CHAPTER FOUR: DATA PRESENTATION AND ANALYSIS
4.1 Data presentation and summary of findings 41
4.2 Provision and Analysis of Data Question 46
4.3 Test of Hypothesis 51
CHAPTER FIVE: SUMMARY OF FINDINGS,
RECOMMENDATIONS,CONCLUSION.
5.1 Summary of Findings 59
5.2 Recommendations 60
5.3 Conclusion 62
Appendix 64
Bibliography 66
