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CREDIT MANAGEMENT TECHNIQUES IN UNITED BANK FOR AFRICA (UBA) PLC. GBOKO BRANCH-GESA PINGA

ABSTRACT

This work was carried out to appraise credit management techniques in United Bank for Africa (UBA) Plc, Gboko. Primarily, the work sought to find out the credit management techniques adopted in United Bank For Africa (UBA) Plc. Gboko, to trace the loads and advance granted by United Bank for Africa (UBA) Plc, Gboko and to establish the relationship that exist between credit management techniques and the performance of the Bank, among others. A survey research method was used in the work and the data collected analysed using the descriptive and inferential statistics. From the analysis, it discovered that in United Bank for Africa (UBA) Plc, Gboko, the major credit management techniques used are the appraisal, approved limit and installment disbursement techniques.  These techniques have positive influence on the performance of the bank. The conclusion is that even through the financial institution has high performance rating as a result of the use of sound credit mismanagement techniques, the bank still needs to improve upon its efficiency level by giving its credit management staff more orientations on self discipline and adherence to professional ethics and by reducing its organizational levels to reduce bureaucratic tendencies.