ABSTRACT Credit extension is an essential function of banks and bank management strive to satisfy the legitimate credit needs of the community it tends to serve. This study is aimed at analysing the credit management in the banking industry in Nigeria with particular reference to first Bank of Nigeria PLC. The importance of credit in the economic growth and development of a country cannot be overemphasized. Despite the important role played by credit in the economy, it is associated with a ca...
ABSTRACT Fraud is an epidemic dimension that has eaten deep into the banking sector as well as the entire economy. Its devastating effect manifests itself in the deteriorating balance sheet of banks as well as in economic backwardness. As a result, measures to eradicate fraud in banking sector become a central focus of the government and the monetary authorities. It was against this backdrop that this study was aimed at providing empirical evidence on the effect of fraud on performance of ban...
INTRODUCTION At the dawn of the 21st century, Nigeria, only recently restored to democratic rule, had a promising economic outlook for the ensuing decade. After several years of sanctions stemming from the political misadventures of the Abacha regime, the international business community was ready to welcome her 150 million plus market back into the global economy. Crude oil prices, a critical benchmark of her economy, were steadily inching up from the low of $10 recorded in the latter part...
INTRODUCTION The Nigeria banking industry has witnessed a lot of changes since the mid 1980’s and this is reflected in the increased volume and complexity of bank operations, increased innovations and varieties in product and service delivery. These development have not only been technology driven but have influenced move technological advances. Information technology which is the foundation of modern electronic banking through desktop computers and terminals provide the tools for deliver...
INTRODUCTION In this first chapter of this project work, it is pertinent to define the team, STOCK EXCHANGE before I proceed. Stock Exchange could be defined as a market in which the activities of buying and selling of shares, stocks, bonds, debentures, and other securities are facilitated. Therefore, it is essentially a secondary market for buying and selling of already existing securities. BACKGROUND OF THE STUDY In Nigeria, the Stock Exchange market started as the Lagos Stock ...
ABSTRACTAt that place were so many difficulties which this research work was confronted with bank officials were so loath to give out helpful information about this problem and there was likewise the cost of research and limited time for learning analysis and prop or interpretation of data effort was reached by the researcher to personally visit places where the above secondary data were turned up. In the absence for the need for primary data question pairs administration was deemed unqu...
ABSTRACT This study presents an extended technology acceptance model that integrates innovation diffusion theory to investigate what determine user mobile commerce acceptance. This paper models the factors relationships such as perceived usefulness, perceived ease of use, personal innovativeness, subjective norms, behavioral control and intention to adopt mobile commerce. The proposed model was empirically tested using data collected from a survey of mobile commerce consumers. Empirical dat...
BACKGROUND OF STUDY The Nigeria banking industry has witnessed a lot of changes since the mid 1980’s and this is reflected in the increased volume and complexity of bank operations, increased innovations and varieties in product and service delivery. These development have not only been technology driven but have influenced move technological advances. Information technology which is the foundation of modern electronic banking through desktop computers and terminals provide the tools for ...
INTRODUCTION In any field of human endeavour, the place of supervision tends to assume an all important position, the place of supervision in the banking industry most especially the commercial bank cannot be down played. Orjih (2011:25) often, insider misconducts are discovered during examination of the accounting records of those commercial banks by the CBN, being one of the key supervisory institution in Nigeria. Adelusi (1994) opined that misconduct might equally be brought to the attenti...
ABSTRACT There in a misconception as to the role of the auditor in relation to fraud. Management has hence put in place a system of internal control adequate to its circumstances in order to help it ensure the reliability and accuracy of company records. Despite all these there have been celebrated cases of fraud in financial institutions. This hence highlights the need for an increased awareness of fraud and its manifestations in books accounts not only by accountants, but by investigati...
ABSTRACT The purpose of the project is to know to the extent small businesses in Nigeria has been able to obtain loans and advances from Nigeria commercial bank as a major sources finances to the economy. The term “small scale business” are those small businesses that fall within the category of business with not more than five hundred thousand naira (N500, 000) as their annual turnover. The findings of this study will help to make recommendation and suggestions for improvement of the...
INTRODUCTION 1.1BACKGROUND OF THE STUDYThe Central bank of Nigeria (CBN) started with effect from 2002 fiscal year, adopt a medium term perspective monetary policy framework. Unlike earlier program which where designed for one year, the new programmes is for a two year period beginning January 2002 to December 2003. the shift is in recognition of the fact that monetary policy actions affect the ultimate objectives of policy with a substantial lag. Thus, the current shift will free monetary po...
INTRODUCTION 1.1STATEMETN OF THE PROBLEM AND THE PURPOSE OF THE STUDY It is a common knowledge that the third would countries are generally poor. Even though there are poor people in developed world they are not comparable to the developing world. In African Nigerian is regard as the giant of African because of its abundant natural and human resources. In Nigeria today, the poor get poorer and the rich gets richer this raises serious question on the existence of true democracy and one Niger...
ABSTRACT Distress in the Nigeria banking industry has today become a great source of concern to the entire financial system in particular and the economy in general. For rapid economic growth, the nation banking sector must be stable, safe and sound so as to be able to generate saving needed for investment. The rampant distress witnessed in the Nigerian banking sector, the attended effect on the populace and the rate at which other blames are affected, this call for academic research wor...
ABSTRACT This research work is aimed at finding the effect of training development in banking operation. The purpose is to determine the relationship between the level of productivity and human resources, training and development, discovered the causes of high labour funnier in bank. Also to determine whether the availability of training and development opportunities motivate staff of the banks, to enable them sick firmly to the service of the banks. In conducting the research the resea...