Description
ABSTRACT
The major purpose of this study was to determine the analysis of credit management techniques in the Nigerian banking system. The population of the study consisted of staff from the three selected banks in Imo State; the sample for the study was 45 staff out of 60, which was drawn using simple random sampling. Two hypothesis were formulated which guided the study. A 19 item questionnaire was developed validated and tested for its reliability; chi-square was used to test the hypothesis at 0.05 level of significance. The major findings are Goodwill is the major factor that influence the banks Mode of advancing loans to customers, Poor credit analysis result to bad debts, Poor supervision of credit officers causes bad debts. The findings had led us to conclude that success in accessing credit mismanagement and the causes lies in the ability of the bank to fashion out workable credit management techniques and following it to the core, the implementation of these procedures.
TABLE OF CONTENTS
Title page
Approval page
Dedication
Acknowledgement
Abstract
Table of contents
CHAPTER ONE
1.0 Introduction
1.1 General overview of the subject matter
1.2 Statement of the problem
1.3 Purpose of the Study
1.4 Significance of the study
1.5 Statement of hypothesis
1.6 Scope of stuffy
1.7 Limitation of study
1.8 Definition of terms
CHAPTER TWO
Review of related literature
2.1 Background to credit Administration by commercial banks in Nigeria
2.2 Principle of good credit
2.3 Credit facilities available to bank customers
2.4 Classification of credit according to performance
2.5 Credit management techniques
2.6 Causes of poor quality credit
2.7 Credit considerations for different classes
CHAPTER THREE
3.0 Research methodology
3.1 methods of data collection
3.2 Data sources
3.3 Sampling plan
3.4 Tools used in analysis of research data
3.5 Features of the instruments used
3.6 Validity of response /reliability of data
CHAPTER FOUR
4.0 Presentation & Analysis of data
4.1 Presentation of data
4.2 Analysis of data
4.3 Hypothesis testing
4.4 Summary
The general purpose of this study is to make an evaluation of banks credit management techniques and loan administration these include loan repayment and interest charge
5.0 Summary, Conclusion and recommendation
5.1 Summary of findings
5.2 Conclusions
5.3 Recommendation
Bibliography
Appendix I
Appendix II