Problems and Prospect of Cash Management in Money Deposit Banks (A Case Study of Union Bank of Nigeria Plc, Ilorin)

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TABLE OF CONTENTS

Title page                                                                       i

Certification                                                                   ii      

Dedication                                                                      iii

Acknowledgment                                                            iv

Table of contents                                                            v      

CHAPTER ONE

1.0 Introduction                                                             1

1.1 Statement of Problem                                                4

1.2 Research Questions                                                  5

1.3 Objectives of the Study                                             6

1.4 Research Hypothesis Problems and Prospects of

Cash Management in Commercial Banks               6

1.6 Significance of the Study                                          7

1.7 Scope and Limitation of the Study                             8

1.8 Definition for Key Terms                                            9

1.9 Organizing/Plan of the Study                                    11

CHAPTER TWO

2.0 Literature Review                                                     13

2.1 Historical Background of Union Bank of Nig Plc        15

2.2 Appraisal of Cash Management Application               16

2.3 Definition of Cash Management and Motive     

      of Holding Cash                                                        18

2.5 Principle of Cash Management                                  20    

2.6 Instrument of Cash Management                             22

2.7 Monetary Policy                                                        22

2.7.1 Instruments of Monetary Policy                             24

2.7.2 Factors of Cash Management                                 24

CHAPTER THREE

3.0 Research Methodology                                              26

3.1. Source of Data Collection                                         27

3.2 Sample Size                                                             29

3.3 Restatement of Research Problem                             29

3.4 Data Analysis and Techniques                                  31

3.5 The Design of the Study                                           32

3.6 The Population of the Study                                      32

CHAPTER FOUR

4.0 Data Presentation and Analysis Data Presentation    33

4.1. Analysis of Results                                                  35

4.2 Discussion of Result                                                 43

4.3 Result Relating to Hypothesis Testing                        43

4.4 Policy Statement                                                       47

CHAPTER FIVE

5.0 Findings                                                                  48

5.1 Summary                                                                 49

5.2 Conclusion                                                               51

5.3 Recommendations                                                    53

REFERENCES                                                        55    

QUESTIONNAIRE                                           57
CHAPTER ONE

1.0   INTRODUCTION

The concept of management was evolved as a result of the existence of man. Hence, it could be traced back to the evolution of money. In this case, the origin of the money which brings about cash management in our contemporary commercial backs really comes as the aftermaths of the difficulties of trade by barter. Trade by barter is a system and practice where goods are exchanged for goods and services. Barter system has many defects and drawbacks. These include the difficulty of double coincidence of wants, time and energy wastage, difficulty in ascertaining the value of commodities, discouragement of large quantities and variety of purchases, deferred payment, installment payment and borrowing large scale production and such like.

Having identified the defects inevitable by barter system, people were false to fashion out a generally acceptable means of exchange i.e. money. It worthy to note that the paper money presently in use was originated from the receipt the goldsmith issued to people who kept gold and other valuables with them. As goldsmiths were taught to be honest, merchant people started keeping their gold with them for safe custody. In retain the goldsmith gave the depositors receipts promising to return the gold on demand. These receipt of the goldsmith were substitutes for money, such paper was back by gold and was convertible on demand into gold. This ultimately led to the development of bank note and today, money has another form other than paper called coin. 

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APA

.O., T (2021). Problems and Prospect of Cash Management in Money Deposit Banks (A Case Study of Union Bank of Nigeria Plc, Ilorin). Afribary. Retrieved from https://afribary.com/works/problems-and-prospect-of-cash-management-in-money-deposit-banks-a-case-study-of-union-bank-of-nigeria-plc-ilorin

MLA 8th

.O., TAJUDEEN "Problems and Prospect of Cash Management in Money Deposit Banks (A Case Study of Union Bank of Nigeria Plc, Ilorin)" Afribary. Afribary, 18 Dec. 2021, https://afribary.com/works/problems-and-prospect-of-cash-management-in-money-deposit-banks-a-case-study-of-union-bank-of-nigeria-plc-ilorin. Accessed 09 Aug. 2022.

MLA7

.O., TAJUDEEN . "Problems and Prospect of Cash Management in Money Deposit Banks (A Case Study of Union Bank of Nigeria Plc, Ilorin)". Afribary, Afribary, 18 Dec. 2021. Web. 09 Aug. 2022. < https://afribary.com/works/problems-and-prospect-of-cash-management-in-money-deposit-banks-a-case-study-of-union-bank-of-nigeria-plc-ilorin >.

Chicago

.O., TAJUDEEN . "Problems and Prospect of Cash Management in Money Deposit Banks (A Case Study of Union Bank of Nigeria Plc, Ilorin)" Afribary (2021). Accessed August 09, 2022. https://afribary.com/works/problems-and-prospect-of-cash-management-in-money-deposit-banks-a-case-study-of-union-bank-of-nigeria-plc-ilorin