CREDIT MANAGEMENT AND THE INCIDENCE OF BAD DEBT IN NIGERIA MONEY-DEPOSIT BANKS. 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 MoneyDeposit 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 MoneyDeposit 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 clearwell 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 MoneyDeposit Banks should prevent the incidence of bad debts in Nigerian Banks.

TABLE OF CONTENTS

Title Page i

Approval Page

Certification

Dedication

Acknowledgement

Abstract

Table of Contents

CHAPTER ONE: INTRODUCTION

1.1 Background of the study

1.2 Statement of the problems

1.3 Purpose Objective of the study

1.4 Research Questions

1.5 Research Hypothesis

1.6 Significant of the study

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

2.2 Government control over credits

2.3 Credit Administration in Union bank of Nigeria plc

2.4 Lending and Credit Analysis

CHAPTER THREE: RESEARCH DESIGN AND METHODOLOGY

3.1 Research Methodology

3.2 Research Design

3.3 Area of Study

3.4 Population for the Study

3.5 Sample Size Used

3.6 Instrument For Data Collection

3.7 Validation of the instrument

CHAPTER FOUR: DATA PRESENTATION AND ANALYSIS

4.1 Data presentation and summary of findings

4.2 Provision and Analysis of Data Question

4.3 Test of Hypothesis

CHAPTER FIVE: SUMMARY OF FINDINGS, RECOMMENDATIONS,CONCLUSION.

5.1 Summary of Findings

5.2 Recommendations

5.3 Conclusion

Appendix

Bibliography