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Product Category: Projects
Product Code: 00001881
No of Pages: 90
No of Chapters: 5
File Format: Microsoft Word
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SIGNIFICANCE
OF BANK CREDIT TO THE DEVELOPMENT OF NIGERIAN BANKS
PROPOSAL
1.0 INTRODUCTION
In
a developing country like
It is there necessary that everybody
known the roles played by banks through their credit in developing
Although many of use have heard about
bank credit and we pass through the bank on daily basis, majority do not known
the vital rate played in our fast developing Nigerians various types of banks
credit that exist and how the investors apply these credits to the development
of the nation’s economy.
In order to succeed in life, a man does
not only work hard, but he also looks for means to improve on his work. These
are situations whereby a man has all the skills needed to set up a business but
does not have the means to the end of the whole show.
That is why we feed that it timely at
this point that is why we feed that it timely at this point o let people know
the investment and now this will lead to the development of the nation at large
source of financing both small scale and medium scale.
Finally, many educated people do not
know the procedures of obtaining bank credit. All the foregoing have therefore
influenced and dictated the topic the significance of bank’s credit to the
development of Nigeria Banks with special References to unit Bank for Africa
Plc.
1.2 STATEMENT
OF THE PROBLEM
Bank
makes most of their profit from lending but there are some problems limiting
the ability of bank to lend.
However, this study provides solution to
the problem of bank credit and some of the problems are.
1.
Operation of central bank in regulating
the volume of money of circulation for example the uses of Bank rate open
market operation, special directive and cash deposit ratio.
2.
Inability of borrower the present
acceptable security to bank.
3.
Unwillingness of customer to deposit
their money in the bank.
4.
Unwillingness of members of public to
borrow from the bank.
High
interest rate charged by commercial bank on loan granted to public.
1.3 RESEARCH
QUESTIONS
The
research questions on this study are:
1.
Is there any relationship between high
interest rate and incidence of bad debt? Bank DCO between 1894 – 1933
The
dominance of these two British Banks was challenged in 1948 by the arrival of
British and French Bank now called united bank for Africa Plc dominate early
1.4 OBJECTIVES
OF THE STUDY
This
study aims to examine the impact of bank credit to development of Nigerian
Banks. Secondly to expose the prospective investors to various credit available
in the bank which the banks are ready and willing to grant such investor
require for the credit facility. The research also feels abliged to let the
reader of the project know how bank, let the reader of the project know how
bank, through it credit helps in encouraging small scale firms provided towards
the development of the nations banks. They finally, after a thorough pursue of
this project, reader will come to know who is qualified to apply for bank
credit, the procedure for obtaining such credit and how such credit, must be
applied. The project will not commend the bank for its service and give recommendation
on where necessary, hence, thus who are business oriented but do not have the
means or to execute such business, will arrive maximum benefits from the write
up to the various bank credit to them and how it can be graded.
1.5 RESEARCH
HYPOTHESIS
There
is one major hypothesis that forms the root of this study. The findings will
lead to acceptance or rejection of this hypothesis.
Ho:
There is negative effect on significance of bank credit to the development of
Hi:
There is positive effect on significance of bank credit to the development of
1.6 SIGNIFICANCE
OF THE STUDY
The
result of the study will be beneficial to different people in different ways.
It will be beneficial to stakeholders in development banking industry,
management and staff of the development – banking sector where achievement has
been minimal.
The study will benefit the public who
will understand the role played by development banking and use to apply for
micro credit loans. It will be equally beneficiary to investors who applied for
medium and long-term loan on how development banking finances capital projects.
It will also stimulate new thoughts and ideas on how development banking in
Finally, the study forms the basis upon
which further research can be activated.
1.7 SCOPE
AND LIMITATION OF THE STUDY
There
are many deposit money bank and financial institution that grant loan for the
development of the nation’s economy.
The researchers intends to carryout
research work on the significant of bank credit to the development of Nigeria
Bank. Using united Bank for Africa Plc as a case study. However, the research
work been limited as to insufficiency of fund.
However, effort has been made to ensure
that the above limitation did not lender effective completion and quality of
research work.
1.8 DEFINITION
OF TERMS
1. RESUCITATE
AILING INDUSTRIES: This bank resuscitating ailing industries that can operate
competitively in the country economy.
2. LOCAL
SOURCE OF FUNDS: These are funds provided to the development bank by the
federal government of
3. INTERNATIONAL
SOURCES OF FUNDS: This is a way by which development bank obtain foreign loans
and grants from international agencies.
4. ABSORBTION
OF EXCHANGE RISK: The bank provides facilities that will encourage the
absorption of exchange risk encountered by funds users in respect of foreign
dominated loans.
1.9 ORGANIZATION
AND PLAN OF THE STUDY
The
research proposal of the topic, significance of bank credit to the development
of
CHAPTER
1 - Introduction
CHAPTER
2 - Literature
review
CHAPTER
3 - Research
methodology
CHAPTER
4 - Lending
against security
CHAPTER 5 - Summary,
conclusion, recommendation
Department of banking
and finance,
Institute of finance and management studies
Kwara state polytechnic,
The manager
United bank of African plc (UBA)
QUESTIONNAIRE
Dear
Sir,
I am
a final year student of kwara state polytechnic
(A case study of united bank of African plc)
I
respectively request your assistance in filling the attached questionnaires
with complete honest. I guarantee you that the information provided will be
handled with utmost confidentiality and I promise that the information you
provide will be used strictly to advance the course of knowledge.
Yours
faithfully
Babatunde
Damilare
QUESTIONAIRRE ON THE SIGNIFICANCE
OF BANK CREDIT TO THE DEVELOPMENT OF
(A CASE STUDY OF UNITED BANK FOR
AFRICAN PLC,
Kindly
complete the question below by ticking in the appropriate boxes and right space
provided
SECTION A
PERSONAL INTERVIEW
i.
Name:________________
ii.
Department:_________________
iii.
Sex: (a) male ( ) (b) female ( )
iv.
Age: (a) 20-30 years ( ) (b) 31-40 years ( ) (c) 41-50 years above ( )
v.
Marital status: (a) married ( ) (b) single ( ) (c) divorced ( )
vi.
Educational qualification: (a) WASCE/GCE
( ) (b) a level/OND ( ) (c) HND/BSC ( ) (d) other specify ( )
vii.
Banking experience: (a) 1-5 years ( ) (b) 6-10 years ( )
(c) 11 years and above ( )
SECTION B
viii.
viii. does the inadequate of customer
deposit bring limitation on the power of lending: (a) yes ( ) (b) No
( ) (c) indifference ( )
ix.
is the true percentage of deposit
granted as loans: (a) certainly ( )
(b)uncertainly ( ) (c) indifference
( )
x.
does banking lending base on security
(a) certainly ( ) (b) uncertainly ( ) (c) indifference ( )
xi.
can a farmers who need loan without
security get loan (a) yes ( )
(b) No (
) (c) indifference ( )
xii.
can a small firm go to bank for loan
provide it has good security (a) certainly (
) (b)uncertainly ( ) (c)
indifference ( )
xiii.
is it true that through banking lending
government favour some economic sector (a) yes ( ) (b) No
( ) (c) indifference ( )
xiv.
does the bank also benefit from bank
lending (a) yes ( ) (b) No ( )
(c) indifference ( )
xv.
does bank have a gain from lending (a)
certainly ( ) (b)uncertainly ( ) (c) indifference ( )
xvi.
what terms of loan it suitable for
customer (a) short-term ( ) (b) long-term ( ) (c) middle term ( )
SECTION C
xvii.
General
comment:________________________________
___________________________________________________
xviii. Recommendation:________________________________
___________________________________________________
TABLE OF CONTENT
Title
page
Certification
Acknowledgement
Proposal
Table
of content
CHAPTER ONE
1.1
Introductions
1.2
Statement of problem
1.3
Research questions
1.4
Objectives of the study
1.5
Research hypothesis
1.6
Significance of the study
1.7
Scope and limitation of the study
1.8
Definition of key terms
1.9
Organization plan of the study
CHAPTER TWO
2.1
Literature Review
2.2
Historical Background of the case study
2.3
Significance of Bank credit to the
Development Nigerian banks
2.4
Concept of Bank Credit
2.5
Lending policies and objectives
2.6
Canons of lending
2.7
Lending against security
2.8
Land and security
CHAPTER THREE
3.1
Methodology
3.2
Source of Data
3.3
Primary source
3.4
Secondary source
3.5
Data Techniques
CHAPTER FOUR
4.1
Data presentation, analysis
CHAPTER FIVE
5.1
Summary
5.2
Conclusion
5.3
Recommendations
5.4
References
CHAPTER ONE
1.0 INTRODUCTION
In a developing country like
It is there necessary that everybody
known the roles played by banks through their credit in developing
Although many of use have heard about
bank credit and we pass through the bank on daily basis, majority do not known
the vital rate played in our fast developing Nigerians various types of banks
credit that exist and how the investors apply these credits to the development
of the nation’s economy.
In order to succeed in life, a man does
not only work hard, but he also looks for means to improve on his work. These
are situations whereby a man has all the skills needed to set up a business but
does not have the means to the end of the whole show.
That is why we feed that it timely at
this point that is why we feed that it timely at this point o let people know
the investment and now this will lead to the development of the nation at large
source of financing both small scale and medium scale.
Finally, many educated people do not know
the procedures of obtaining bank credit. All the foregoing have therefore
influenced and dictated the topic the significance of bank’s credit to the
development of Nigeria Banks with special References to unit Bank for Africa
Plc.
1.2 STATEMENT
OF THE PROBLEM
Bank
makes most of their profit from lending but there are some problems limiting
the ability of bank to lend.
However, this study provides solution to
the problem of bank credit and some of the problems are.
5.
Operation of central bank in regulating
the volume of money of circulation for example the uses of Bank rate open
market operation, special directive and cash deposit ratio.
6.
Inability of borrower the present
acceptable security to bank.
7.
Unwillingness of customer to deposit
their money in the bank.
8.
Unwillingness of members of public to
borrow from the bank.
High
interest rate charged by commercial bank on loan granted to public.
1.3 RESEARCH
QUESTIONS
The
research questions on this study are:
2.
Is there any relationship between high
interest rate and incidence of bad debt? Bank DCO between 1894 – 1933
The
dominance of these two British Banks was challenged in 1948 by the arrival of
British and French Bank now called united bank for Africa Plc dominate early
1.4 OBJECTIVES
OF THE STUDY
This
study aims to examine the impact of bank credit to development of Nigerian
Banks. Secondly to expose the prospective investors to various credit available
in the bank which the banks are ready and willing to grant such investor
require for the credit facility. The research also feels abliged to let the
reader of the project know how bank, let the reader of the project know how
bank, through it credit helps in encouraging small scale firms provided towards
the development of the nations banks. they finally, after a thorough pursue of
this project, reader will come to know who is qualified to apply for bank
credit, the procedure for obtaining such credit and how such credit, must be
applied. The project will not commend the bank for its service and give
recommendation on where necessary, hence, thus who are business oriented but do
not have the means or to execute such business, will arrive maximum benefits
from the write up to the various bank credit to them and how it can be graded.
1.5 RESEARCH
HYPOTHESIS
There
is one major hypothesis that forms the root of this study. The findings will
lead to acceptance or rejection of this hypothesis.
Ho:
There is negative effect on significance of bank credit to the development of
Hi:
There is positive effect on significance of bank credit to the development of
1.6 SIGNIFICANCE
OF THE STUDY
The
result of the study will be beneficial to different people in different ways.
It will be beneficial to stakeholders in development banking industry,
management and staff of the development – banking sector where achievement has
been minimal.
The study will benefit the public who
will understand the role played by development banking and use to apply for
micro credit loans. It will be equally beneficiary to investors who applied for
medium and long-term loan on how development banking finances capital projects.
It will also stimulate new thoughts and ideas on how development banking in
Finally, the study forms the basis upon
which further research can be activated.
1.7 SCOPE
AND LIMITATION OF THE STUDY
There
are many deposit money bank and financial institution that grant loan for the
development of the nation’s economy.
The researchers intends to carryout
research work on the significant of bank credit to the development of Nigeria
Bank. Using united Bank for Africa Plc as a case study. However, the research
work been limited as to insufficiency of fund.
However, effort has been made to ensure
that the above limitation did not lender effective completion and quality of
research work.
1.8 DEFINITION
OF TERMS
1. RESUCITATE
AILING INDUSTRIES: This bank resuscitating ailing industries that can operate
competitively in the country economy.
2. LOCAL
SOURCE OF FUNDS: This are funds provided to the development bank by the federal
government of
3. INTERNATIONAL
SOURCES OF FUNDS: This is a way by which development bank obtain foreign loans
and grants from international agencies.
4. ABSORBTION
OF EXCHANGE RISK: The bank provides facilities that will encourage the
absorption of exchange risk encountered by funds users in respect of foreign
dominated loans.
1.9 ORGANIZATION
AND PLAN OF THE STUDY
The
research proposal of the topic, significance of bank credit to the development
of
CHAPTER
1 - Introduction
CHAPTER
2 - Literature
review
CHAPTER
3 - Research
methodology
CHAPTER
4 - Lending
against security
CHAPTER 5 - Summary, conclusion, recommendation
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