ABSTRACT This study examines the credit appraisal process and repayment of Bank loans at Ecobank. Specifically, the study investigates the appropriateness of the credit appraisal process of Ecobank, the relationship between loan officers and customers and the effect of loan officer – customer relationship on the credit appraisal process. The study also identifies strategies to help improve the credit appraisal process of the Bank. A face-toface household-level survey of 142 respondents is...
Festivals and ceremonies are part and parcel of African culture, usually in all its pump, merriment and pageantry. However, with the increasing wave of criminal activities in Nigeria especially in Edo state, festivals and ceremonies are being redefined and conceptualized in practice. Only recently a new festival ‘Festival of Curses’ was brought to the fore in combating crime in Edo state. The study therefore seeks to explain the festival as a traditional mechanism in crime control, t...
ABSTRACT The main purpose of this study was to evaluate the effectiveness of internal control systems in tertiary institutions in Ghana. The specific objectives included: to review the types and effectiveness of the internal control systems in University of Education, Winneba (Kumasi Campus) (UEW-K); to examine the measures put in place to enhance the effectiveness of internal controls in UEW-K; and to recommend appropriate ways that will improve the effectiveness of internal control activit...
ABSTRACT Decentralization is assumed to bring about better efficiency in the distribution of public goods and services at the local level. Interestingly, this acclaimed position of decentralization depends largely on the belief that local governments will in practice exercise much fiscal discretion when it comes to the allocation of resources than the central government. However, to the shock of many, local assembly’s fiscal discretion appears to be very controlled in the sense that most l...
ABSTRACT The study was to investigate the impact of microfinance institutions in the livelihood of women using Sinapi Aba Trust, in Central Market and Bantama sub metro in the Ashanti region. The researcher gathered the data through the use of questionnaires and interviews. Questionnaires were given to women who could read and write to fill. Interviews were conducted with some staff of the MFI about the organization and the performance of Microfinance Scheme. A sample of forty of them was i...
ABSTRACT This research work investigates the impact of banks’ credit on the growth of Nigerian economy between 1981 and 2012. The study was needed due to the central role which the deposit money banks’ credits play in the economic, financial and social development and growth of the economy. The study made use of secondary data in its analysis. Four explanatory variables (Credit to Other Sectors, Credit to Service Sector, Credit to Production Sector, and Credit to General Commercial Se...
ABSTRACT This study investigates the critical success factors of TQM project implementation in the Nigerian banking industry as a strategy for improving the quality of service delivery to customers. In carrying out the study primary data were used and a combination of Factor and regression analytical tools was used in the analysis. The Objective Evaluation Questionnaire (OEQ) was the principal instrument used for data collection. Given the nature of the problem under study, one branch eac...
CHAPTER ONE: 1.1 Background of the Study 1.2 The Statement of the Problem 1.3 Objectives of the Study 1.4 Research Questions 1.5 Hypotheses 1.6 Significance of the Study 1.7 Scope/Limitations of the Study 1.8 Plan of the Report CHAPTER TWO: LITERATURE REVIEW2.0 Introduction 2.1.0 Theoretical Framework 2.1.1 Definitions 2.1.2 Dimensions of Globalization 2.1.3 History of Globalization 2.1.4 Nature and Existence of Globali...
ABSTRACT The negative implications of sex work in Ekiti-State particularly among undergraduates has become a societal issues that need urgent attention-undergraduates sex work as a survival strategic behaviour had been identified to be common in hotels, bars, brothels, in their hostels around the campus and on the street as avenue/or action, (Onah, 2000) This study adopts the descriptive research design by making use of questionnaires in eliciting response on all the variables under investiga...
ABSTRACT There has been much outcry of international organizations about the state of mental illness and how it affects a person's ability to perform the tasks necessary for daily living. Depression in particular causes an adjustment from the psychological well-being of an individual which is indicated by his emotional and behavioral disposition. This study investigated the attitudes of the society to the mentally ill using depression a case. The population constituted all the adults in A...
Dividend policy is an important aspect of the organization’s corporate policies about which many researchers argued. It has become one of the most debatable topic for researchers due to the vagueness of its theories on the significance of dividend policy while indicating firm’s value. In this competitive environment the challenge to financial experts is to develop a dividend policy aiming at maximizing shareholder’s wealth by efficient utility of investment. So, there is a need to find ...
Abstract The study was on the justification of local government autonomy on socio-economic development of Sagamu local government area. The general objective of the study was to establish the nature of relationship between financial control mechanisms and autonomy with a view to exposing the contradictions between policy objectives of government and the actual realization of the objectives of local government in Ogun State. The specific objectives of the study were to: to establish whether ...
INTRODUCTION Prices go by many names. It is all around us. The price of a worker is wages, incomes taxes are the price we pay for the privilege of making money. In economic theory, prices policy tends to be relegated to a secondary role and attention is devoted to other dimensions of competitive strategy. It is important to be clear what we mean by price. According to Ode (2011), the term price simply means the amount of money that you actually pay in order to buy a good or service so that ...
BACKGROUND OF THE STUDY Small and medium scale enterprises (SMEs) as defined by the National Council of Industries referto business enterprises whose total cost excluding land is not more two hundred million naira(200,000,000) only. It has been argued that SMEs are an effective instrument for economic growthand development in development as well as less developed countries (Beyene, 2002; Nitani, 2005)this is because SMEs contribute significantly to the Gross Domestic Product (GD...
This subject brings together the relationship between workplace, culture, management, and leadership. It analyzes differences in methods, theories, and approaches as propounded by scholars in time past. How it contributes to business growth, the relationship amongst people within a community or work environment, and various applicable principles needed to build an organization, as it relates to Etco Nigeria limited leadership and management style. TABLE OF CONTENT Table of Content Introduct...