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BANK LENDING AND THE EFFECT OF NON-PERFORMING CREDIT ON THE NIGERIAN ECONOMY CASE STUDY OF FIIRST BANK OF NIGERIA PLC

ABSTRACT

This study examined “Bank lending and the effect of non-performing credits in the Nigerian economy” A case study of First bank of Nigeria Plc, Effurun, Delta state. The findings revealed some of the major causes of non-performing credits (bad debt) existing in the Nigeria banking sector today. The researcher also showed how these bad debts could be identified and how they could arise in the course of the lending business. The measures to combat non-performing credit were not left out in the research work. As regards the methodology used in this study, the simple percentage statistics was used in analyzing responses from questionnaires which was administered to bank staff of First Bank of Nigeria Plc. Finally a recommendation was given by the researcher on how to prevent bad debt to a more bearable level.

 

TABLE OF CONTENT

Title page                                                                                                                             

Approval page                                                                                                                   

Certification page                                                                                                             

Dedication                                                                                                                          

Acknowledgment                                                                                                          

Abstract                                                                                                                             

Table of content                                                                                                        

CHAPTER ONE

Introduction

Background of the study                                                                        

Statement of the problem                                                          

Objective of the study                                                     

Research question                                    

Research hypothesis                                            

Scope of the study                                                

Significance of the study                         

Limitations of the study   

Definition of terms                                               

CHAPTER TWO

2.1 Review of related literature                                                            

2.2 Principles of lending                                                                                      

2.3 Approaches of analyzing loans                                          

2.4 Machinery for loan Administration                      

2.5 Organization structure for managing the lending portfolio

2.6 Classification of bank lending                                             

2.7 Guidelines for lending decision

2.8 Steps in the lending process                                   

2.9 Bad debt (Non-performing credits           

CHAPTER THREE

3.0 Research methodology and design           

3.1 Research method                   

3.2 Research population             

3.4 Sample and sampling technique

3.5 Measuring Instrument         

3.6 Method of data collection   

CHAPTER FOUR

4.0 Data Presentation and Analysis                 

4.1 Presentation of Data and Analysis

4.2 Test of Hypothesis

CHAPTER FIVE

5.0 Summary, conclusion and Recommendation                

5.1 Summary                     

5.2 Conclusion                                           

5.3 Recommendations                

 

BIBLIOGRAPHY

Apendix                    

Questionniare                    

Bibliography                                   


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