ABSTRACT
To secure a better understanding of the impact of collateral security on bank lending.
The objective of this work therefore is to examine the factors the necessitated the impact of collateral security in the Bank Lending with particular reference to the borrow and also to researchers.
Primary data was generated through the administration of questionnaires among the employees of First Bank of Nigeria Plc.
Responses from the questionnaires were classified according, Responses table were constructed and one hypothesis were tested using Chi – Square test statistics.
Furthermore, the general functions of collateral security, their objective and their structure are brought to limelight. Also the ability to elaborate and assess the bank mode of giving loan and advnce and their problems is a right step towards securing a better understanding of operation features of the banks. We however accept responsibility for any shortcoming that may be found in the work
TABLE OF CONTENTS
TITLE PAGE
CERTIFICATIONI
DEDICATIONII
ACKNOWLEDGMENTIII
ABSTRACTIV
TABLE OF CONTENTSV
CHAPTER ONE:
1.1INTRODUTION1-2
1.2BACKGROUND OF THE STUDY2-5
1.3STATEMENT OF THE PROBLEMS5-6
1.4PURPOSES OF THE STUDY6-7
1.5JUSTIFICATION IMPORTANCE OF
THE STUDY/SIGNIFICANCE7-8
1.6RESEARCH QUESTIONS8-9
1.7RESEARCH HYPOTHESIS9
1.8ASSUMPTION10
1.9SCOPE OF THE STUDY11
1.10LIMITATION OF STUDY11
1.11BRIEF HISTORY OF FIRST BANK OF NIGERIA PLC11-13
1.12DEFINITION OF TERMS13-14
CHAPTER TWO:LITERATURE REVIEW
2.1REVIEW OF THE PREVIEW RESEARCH15-17
2.2PERLINENT OPINION17-18
2.3SUMMARY OF THE STATE OF THE ART18-21
2.4COMMERCIAL BANKING LOANS AND ADVANCES21-25
2.5SURVEY OF LENDING CONCEPTS25-27
2.6LENDING PRACTICES27-29
2.7COLLATERIAL REQUIREMENT29-36
CHAPTER THREE:
RESEARCH METHODOLOGY AND DESIGN
3.1INTRODUCTION37
3.2RESTATEMENT OF RESEARCH QUESTIONS37-38
3.3RESTATEMENT OF RESEARCH HYPOTHESES38
3.4RESEARCH DESIGN38
3.5DATA COLLECTION39
3.6POPULATION OF THE STUDY39
3.7SAMPLE SIZE AND SAMPLE TYPE39-40
3.8DESCRIPTION OF RESEARCH INSTUMENT40-41
3.9QUESTIONAIRE ADMINISTRATION41-43
3.10DATA ANALYSES43
CHAPTER FOUR:
4.1DATA PRESENTATION AND ANALYSIS44-47
4.2GENERAL FINDINGS AND ANALYSIS48-62
4.3TEST OF HYPOTHESIS63-64
CHAPTER FIVE:
SUMMARY, CONCLUSION AND RECOMMENDATIONS
5.1SUMMARY65
5.2FINDINGS66
5.3CONCLUSION66
5.4RECOMMENDATION AND IMPLICATIONS67-68
REFERENCE 69-70
BIBLIOGRAPHY 71
QUESTIONNAIRES 72-76