THE EFFECTS OF CREDIT MANAGEMENT ON PROFITABILITY OF BANKS IN NIGERIA
ABSTRACT
This research work is determine, “The effect of credit management on profitability of Bank in Nigeria using First Bank of Nigeria plc as a case study. It is also examine the performance of banks based on its ability to generate income through the provision of various credit management service to customers. The project employed the use of questionnaire to sources of data which is administered to the banks staff as well as personnel interview and observation while the collected data was analyzed through the use of regression analysis in the testing of hypothesis. The result shows that credit management reduces the level of fraudulent practices in banks and boost its profitability. Finally, it is clear in the finding that a lot still need to be done in the area of innovation and regulatory requirement to enhance its better performance before banks can reap the benefit of credit management service.
TABLE OF CONTENT
Title Page i
Certificate ii
Dedication iii
Acknowledgement iv
Abstract v
Table of Contents iv-vii
CHAPTER ONE
1. Introduction 1-21.1 Background of the Study 21.2 Statement of the Study 2
1.3 Justification of the Study 2
1.4 Research Question 2
1.5 Objectives of the Study 3
1.6 Research Methodology 3
1.7 Limitation of the Study 3-4
1.8 Definition of the Terms 4
CHAPTER TWO
2.0 Literature Review 5
2.1 The historical perspective from which the same or related problems. 6
2.2 The theoretical perspective from which the same or related
problems have been studied previously. 6-7
2.3 The generalization resulting from the identification of the
problem and theoretical implication of its evolution. 8
2.4 The methodology most appropriate for its further study 8
2.5 First bank of Nigeria plc profile. 8-9
CHAPTER THREE
3.1 Research Methodology 10
3.2 Description of research methodology 10
3.3 Sources of data collection 10
3.4 Method of data collection 10-11
3.5 Method of data presentation. 11
3.6 Report of Return 11
3.7 Population Sample 11
3.8 Sample Size 11-12
CHAPTER FOUR
4.0 Data Analysis and Presentation. 13
4.1 Report of Return 13
4.2 Analysis of respondent of Bio-Data 13-15
4.3 Testing Hypothesis 15-17
4.4 Continuation 17-19
4.5 General Comments 19
CHAPTER FIVE
5.0 Summary, Conclusion and Recommendation 20
5.1 Summary 20
5.2 Conclusion 20-21
5.3 Recommendation 21
References 22
Appendix I 23
Appendix II 24-25
CHAPTER ONE
INTRODUCTION
1.1 BACKGROUND OF STUDY
It has become necessary to take a cursory look at the concept of debts, its ramification and problems associated with management.
The issue of problem associated with loans advance management prompts the this central bank of Nigeria (CBN) to reduce the guidelines in a circular entitled “prudential guidelines for licensed Banks” the main purpose of this, is to ensure that the financial guideline ensure conformity with stand to facilitate comparison across banks.