Research Papers/Topics in Banking And Finance

THE IMPACT OF TREASURY SINGLE ACCOUNT ON BANKING SECTOR FOR ECONOMIC GROWTH

ABSTRACT  Over  years, Nigeria’s  public  funds  have not been properly  accounted for. This has drastically increased the cost of governance. There is no gain saying the fact that,  the  cost  of  governance  in  Nigeria  is  too  high  and  has  in  no  small  way hindered  the  Nation’s  development  both  human  and  infrastructural.  It&n...

EXTERNAL RESERVE POSITION AND ECONOMIC GROWTH:EVIDENCE FROM NIGERIA

This study has examined the impact of external reserve on economic growth between 1986 and 2016 by relying on secondary sources of data.Analysis of the data was done using inferential statistics i.e Ordinary Least Square(OLS) regression.The result of the analysis revealed that each. of the external reserve proxies is a good predictor of economic growth collectively rather than individually because the R2 was as high as 92% while each of them was also positively related to economic growt...

EFFECT OF INTEREST RATE MARGIN ON THE PERFORMANCE OF DEPOSIT MONEY BANKS (DMBs) IN NIGERIA

AbstractThis study examined the effect of interest rate margin on the performance of deposit money banks in Nigeria within the sample period of 1980 to 2016. The general objective was to verify how interest rate margin affects the performance of the deposit money banks. The data for this research work (Profitability Rate, Interest Rate, Monetary Policy Rate, Deposit Rate and Lending Rate (LNDR) was obtained from the CBN Statistical Bulletin (2016) and analyzed using Cointegration, and Error C...

IMPACT OF MICROFINANCE ON THE DEVELOPMENT OF SMALL AND MEDIUM SCALE BUSINESS

The SME sector is strategically positioned to absorb up to 80% of jobs, improve per capita income, increase value addition to raw materials supply, improve export earnings and step up capacity utilisation in key industries. The sector is structured across other key sectors, including Agriculture, Mining and Quarrying, Building and Construction, Manufacturing, Solid Minerals, etc, and thus has strong linkages with the entire range of economic activities in the country. Thus, any situatio...

EXAMINING THE IMPORTANCE OF POLITE LANGUAGE USED BY THE STAFF OF THE CUSTOMER CARE SERVICE UNIT OF A BANK

In a setting like a bank, it is believed that “the customer is always right”. In other words, since the customers are always right, they are to be held in high esteem. That is, they should be treated in a special way. Therefore, language used by the staff in the customer care service unit ought to be polite in nature and its application when relating with customers. Impoliteness on the part of the customer care representative or staff in a bank could lead to loss of customers. If t...

A modelling of Ghanas inflation experience- 1960-2003

The study sought to ascertain the key determinants of inflation in Ghana for the past 40 years. Stylized facts about Ghana’s inflation experience indicate that since the country’s exit from the West African Currency Board soon after independence, inflation management has been ineffective despite two decades of vigorous reforms. Using the Johansen cointegration test and an error correction model, the paper identified inflation inertia changes in money and changes in Gov...

A Kalman Filter Approach to Fisher Effect- Evidence from Nigeria

This paper investigates evidence of a Fisher effect in Nigeria by employing quarterly CPI inflation and Nominal interest rates data. For a more robust result we conducted integration and cointegration tests in order to examine time-series properties of the variables. Using Co-integration and Kalman filter methodologies, the study did not find evidence of a full Fisher effect from 1961:1-2009:4. This resultindicates that nominal interest rates do not respond one-for-one to chang...

Impact of Working Capital Management in Nigeria Banking Industry

This paper examines the Impact of Working Capital Management in Nigeria Banking Industry. Working Capital Management refers to the management of current asset and current liabilities. The major objectives of this study are; to examine the impact of excessive investment in current asset on bank’s profitability; to ascertain if bad management of working capital exposes banks to insolvency and to examine the impact of composition of working capital items of Nigeria banks on their profitability...

Effect of motivation on staff performance in the banking sector

ABSTRACTThis study was designed to investigate the effect of motivation on staff performance in the banking sector. To achieve the purpose of this study, three hypotheses were formulated to guide the study; To what extent does bankers training and development influence their performance? To what extent does computer and telecommunication equipment influence banker’s performance? What is the extent to which banker’s participation in decisions making influence their performance? In the proc...

Fraudulent Practices in the Banking Industry; It's Impact on Economic Growth

                     ABSTRACTThis study was set to investigate various forms of fraudulent practices in the banking industry:its impact on  economic growth in Nigeria, the study seek to examine the effect of amount lost to fraud on Nigeria economic growth and to also examine the effect of number of fraud cases on Nigeria economic growth covering the period between 2005-2017, the main instrument for data collection is through secondary source in which the data were extracted from t...

FRAUDULENT PRACTICES IN THE BANKING INDUSTRY: ITS IMPACT ON ECONOMIC GROWTH IN NIGERIA (2005-2017)

FRAUDULENT PRACTICES IN THE BANKING INDUSTRY: ITS IMPACT ON ECONOMIC GROWTH IN NIGERIA (2005-2017)ABSTRACTThis study was set to investigate various forms of fraudulent practices in the banking industry:its impact on  economic growth in Nigeria, the study seek to examine the effect of amount lost to fraud on Nigeria economic growth and to also examine the effect of number of fraud cases on Nigeria economic growth covering the period between 2005-2017, the main instrument for data collecti...

Influence of E-banking on the provision of customers, services in Jigawa State as perceived by bank customers

CHAPTER ONEINTRODUCTION1.1 Background to the StudyBritannia Concise Encyclopedia (1995), defined Bank as a financial institution authorized to provide variety of financial services, including customer and business loans (generally short term), checking service, credit cards and saving accounts. A bank is a financial institution authorized by its charter to perform certain functions (Osuala, 2001). The bank is a financial institution set-up purposely for safekeeping of money, valuable goods an...

Automated teller machine(ATM) and customer satisfaction in Nigeria

ABSRTACT: This study aims at investigating  the satisfaction levels of customers with respect to various aspects of the service quality of ATMs in Nigeria and a problem of robbery and theft ,and  also customers  opinion on various other related issues such as inconvenient features while using the ATM. The study was carried out in lagos state with 100 questionnares administerd and distributed randomly. 98 questionnaires were found useful for the purpose of the study. Data c...

MERGER AND ACQUISITION AS A GROWTH STRATEGY IN ORGANISATIONS

ABSTRACTThis research takes a look at the adoption of merger and acquisition as a growth strategy   in   business   organization.   There   is   no   gainsaying   the   fact   that   many companies have been having financial problems. The reason is not far fetched.This is as a result of mismanagement and economic meltdown. In order to save such unhealthy situation in such companies fr...

IMPACT OF TAXATION ON SMALL AND MEDIUM SCALE ENTERPRISES IN EKITI STATE

ABSTRACT This study examines the impact of taxation on small and medium scale enterprises in Ekiti State..           The research reviewed at some literature that has some degree of relevance to the subject matter under study. The study shall adopt the non-probability sampling technique and data collection was carried out using the questionnaire method consisting of one hundred (100) respondents drawn from the study population. Frequency counts and percentages were us...


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