ABSTRACT This study was carried out with the purpose of analyzing Credit management, credit policy and the performing of  Bank in Akure, ondo state Nigeria. Specifically, the study sought to establish whether there is a relationship between credit policy and performance, capital adequacy and performance and credit risk control and performance. In achieving the objectives […]

CHAPTER ONE   INTRODUCTION   1.1 Background of the study Banks are a vital part of every economy. It is the driving force behind society and economic progress. The importance of banking services to any economy’s growth and development cannot be overstated. Prior to the introduction of electronic devices in the delivery of financial services in […]

CHAPTER ONE INTRODUCTION 1.1       BACKGROUND OF THE STUDY A cashless system is one in which transactions are carried out without the use of cash as a medium of exchange, instead relying on credit card or debit card transfers. Several academics have attempted to analyze this approach, but only a handful have provided a detailed assessment […]

CHAPTER ONE INTRODUCTION 1.1       Background of the study The exchanging of goods and services has taken place using a variety of methods and mediums in human history. Many of these methods and mediums are often tangible, such as metal coins or paper money.. Without a doubt, the global financial community is embracing the latest technological […]

CHAPTER ONE INTRODUCTION 1.1       Background of the study A bank is a financial organization that collects deposits and puts those deposits into lending activities, either directly or through capital markets (Uremadu, S. 2012). Customers with capital shortages are linked to customers with capital surpluses by a bank holding funds in trust for them. Because of […]

CHAPTER ONE   INTRODUCTION   1.1       BACKGROUND OF THE STUDY Agriculture may be described as the science or practice of farming, which includes the cultivation and manufacturing of raw materials for industries (Harris & Fuller, 2014). Farming is generally recognized as the world’s oldest vocation, and it continues to be one in which the greatest […]

CHAPTER ONE   INTRODUCTION   1.1  BACKGROUND OF THE STUDY It has been in a leading position of life and sustainability in Nigeria since its birth and acknowledgment. This is because, since the inception of this field of economic and business awareness, bribery and other manifestations of dishonesty, as well as the misappropriation of funds entrusted […]

CHAPTER ONE INTRODUCTION 1.1  Background of the study Microfinance institutions (MFIs) have emerged as an economic development strategy aimed at assisting micro businesses in obtaining money for the growth and maintenance of their operations. MFIs have made significant efforts throughout Asia, Africa, and Latin America over the past decade to increase poor people’s access to credit, […]

CHAPTER ONE INTRODUCTION 1.1 OVER-VIEW OF THE STUDY In the past few years, t here has been an increased awareness in Africa and indeed Nigeria, of the crime of Money Laundering. This increase in awareness has arisen because of the step-up in the activities of agencies and governments involved in the monitoring, prevention and punis […]

CHAPTER ONE 1.1. INTRODUCTION Banks, especially commercial banks, are the major mobilizers of saving in any economic system by offering savings facilities to the public. Some of the functions of the banks include the acceptance of deposits from the public and channeling such deposits to the deficit sectors of the economy who are in need […]

CHAPTER ONE 1.0 INTRODUCTION The traditional economic theory teaches that capital starved, but generally labour surplus developing countries, should be the net importers of financial resources from advanced countries. This pattern o movement will be informed by the returns on new investment opportunities, which are considered higher where capital is limited (Oyeranti 2003:10). Flows of […]

Abstract The study was principally made to appraise the loan portfolio of DMBs in Nigeria with the aim of finding the magnitude and trend of non-peforming loans (NPLs) and the factor responsible fo that. The problem x-rayed here stems from the high magnitude NPLs in the loan portfolio of DMBs as evidenced in recent joint […]

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND OF THE STUDY Mobilization of resources for national development has long been the central focus of economic development. For sustainable growth and development, funds must be effectively mobilized and optimally allocated to enable business and the national economies to harness their resources both human and material fo r optimal output […]

ABSTRACT This research is an in -depth study of the impact of risk on capital budgeting decisions of some selected companies in Nigeria. There seems to be a great difference between the theoretical aspect of capital budgeting and the actual practice. The central issue is that not enough effort has been made to integrate both […]

CHAPTER ONE 1.0 INTRODUCTION The capital market is central to the economic stability, sustainable growth and development of any economy. Sustainable growth and development in an economy has a direct bearing to the viability of the productive sector. To achieve this, it is essential that the capital market through the use of financial instruments mobilizes […]

CHAPTER ONE 1.0 INTRODUCTION 1.1 BACKGROUND TO THE STUDY In a developing country like Nigeria, the role of banks and other financial institutions cannot be over emphasized. Banks play the middle-man role of channeling funds from the fund surplus sectors to deficit sector of the economy which is of immense benefit to the even growth […]

CHAPTER ONE  INTRODUCTION 1.1 BACKGROUND TO THE STUDY The mobilization of resources for national development has long been the crucial focus of development economists.  This is because, for sustainable growth and development to take place, funds must be effectively mobilized and allocated to enable business and the economy harnesses their human, material and managerial resources […]

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND TO THE STUDY Nigeria is an immensely endowed country in both natural and human resources, with the population of over 140 million people who are largely engaged in the farming sector and small scale business. This sector is primarily dominated by micro, small and medium scale enterprises (MSMEs) and both […]

CHAPTER ONE INTRODUCTION BACKGROUND TO THE STUDY The word fraud refers to the irregularities involving the use of criminal deception to obtain an unjust or illegal advantage. It send a wave of doubts, curiosity, anxiety and concern to people as regards the safety of be it financial or otherwise. It exists in different sectors of […]

CHAPTER ONE INTRODUCTION BACKGROUND TO STUDY Banking operation is becoming increasingly customer dictated. The demand for “banking supermarket” offering one-stop integrated financial services is well on the rise. The ability of banks to offer clients access to several markets for different classes of financial instruments has become a valuable core-edge. Convergence in the industry to […]

ABSTRACT Nigeria’s economy is characterized very by large number a relative of micro enterprises, and in between lie small and medium enterprises (SMEs). The unique feature of most SMEs is that, they can be easily established since their requirement in terms of capital, technology; management and even utilities are not as demanding as it is […]

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND T OTHE STUDY Microfinance has gradually developed to be a worldwide movement, no longer being a subject matter of microfinance practitioners alone. Governments, donors, development agencies, banks, foundations, corporations, business communities, civil societies, researchers, universities, consultants, philanthropists and others are taking an increasing interest in it (Sale Huddin and Hukinil, […]

CHAPTER ONE INTRODUCTION   1.1 Background to the Study The preparation of stewardship report from the accounting point of view is the role of the management who oversees the affairs of the business organization on behalf of the owners usually the shareholders. This stewardship report represents the financial statements covering the operating performance and the […]

ABSTRACT This term paper was tailored at designing bank lending policies and recovery procedures in Nigeria. The piece of work looked into bank services and the rules that guide their monetary policies. Research was carried out on ways of improving bank lending policies and good measures on how money could be recovered. Recommendation for the […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND TO THE STUDY The role of BVN aimed at curtailing hazards associated with social security and credit risk cannot be underestimated (Leland & David, 2017). In recent times, biometric technologies have been used to analyze human characteristics as an enhanced form of authentication for real-time security processes. In the face […]

ABSTRACT The research work focuses on graduate unemployment and how the National Directorate of Employment (NDE) has helped in curbing it in Anambra state. The work is aimed at determining the cause and effect of Graduate Unemployment in Nigeria, highlight various policies and programmes put in place by the Government to curb unemployment, assess the […]

CHAPTER ONE INTRODUCTION 1.1. Background to the study Mobile banking is an innovation that has progressively rendered itself in pervasive ways cutting across several financial institutions and other sectors of the economy. During the 21st century mobile banking advanced from providing mere text messaging services to that of pseudo internet banking where customers could not only […]

CHAPTER ONE INTRODUCTION 1.1   Background to the Study Effectiveness of financial reporting is one area in accounting that is recognized as the power house of financial dealings and management (Howard, 2012). Financial report constitutes the climax of all the planning and operation in the corporate governance. The audit reputation may then depend upon the contents […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND TO THE STUDY One of the major economic backwardness of the most third world countries like Nigeria is the over prolonged sojourn of private foreign divestment in them. The predatory exploitative orientation and activities of foreign monopoly capital, it inherent tendency to resist and hamper local industrialization and to perpetuate […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND TO THE STUDY Manufacturing firms are considered important in both developed and developing countries. They are producer of goods and services which help to increase economic growth and contribute significantly to employment creation. Although they play a crucial role in economic growth and employment and their operations are often crippled […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND TO THE STUDY Customer satisfaction is a measure of how products and services supplied by a company meet or surpass customer expectation. Customer satisfaction is also defined as “the number of customers, or percentage of total customers, whose reported experience with a firm, its products or its services (ratings) exceeds […]

CHAPTER ONE INTRODUCTION 1.1    BACKGROUND TO THE STUDY Every company operates within the internal and external environments of business. The internal environments are within a firm such that the prevailing factors are most times very subject to the control of the managers.  The external environment has to do with the larger business environments in which […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND TO THE STUDY Although, there is general agreement among psychologists that man experiences a variety of needs, there is considerable disagreement as to what these needs are and their relative importance (Van Rooyen, J.  2016). One of the basic problems in any organization is how to motivate people to work. […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND TO THE STUDY The most recent and significant development in the banking industry is the emergence of Islamic Banking System and Interest-Free Banks (IFBs) in Nigeria through the CBN guideline on non interest banking. This is in response to the failure of the conventional interest based banking system to cater […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND TO THE STUDY An organization’s development is a vital exercise that must be carried out with a successful conclusion if technological bondage is to be avoided in the nation. In our society today there is need for adopting a creative approach for our technological take off. The reason is to […]

CHAPTER ONE INTRODUCTION 1.1  BACKGROUND TO STUDY It is generally accepted that the primary objective of most business enterprise is to make profit by identifying and serving the needs of customers. Thus, profit being the principal source of growth and continue existence of the business enterprise, serves as and index by which the performance of […]

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND OF THE STUDY Small and Medium Enterprises (SMEs) play a vital role in the development of national economy. Due to their importance and the crucial role they play in economic development and growth of the nation, much attention has been placed on financing of small and medium enterprises, since they […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND TO STUDY   There is controversy that small and medium scale business in any country where they operate play important role in the economic growth and development of that country or nation and it improves the quality of life of individuals (Ohanemu, 2016). Business organizations anywhere in the world […]

CHAPTER ONE INTRODUCTION 1.1  BACKGROUND TO THE STUDY Although, there is general agreement among psychologists that man experiences a variety of needs, there is considerable disagreement as to what these needs are and their relative importance (Van Rooyen, J.  2016). One of the basic problems in any organization is how to motivate people to work. […]

CHAPTER ONE INTRODUCTION 1.1  Background to the Study In nearly all Western industrialized countries, there are well developed mechanisms that guide the management of local government resources. These mechanisms are embedded in the financial regulations. In Nigeria, the mechanisms are embedded in the Revised Financial memoranda for Local Government 1991. The Financial Memorandum stipulates the generation […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND TO THE STUDY It has already been stated that money is a common denominator in which the rate relative values of goods and services can be expressed.  Throughout history any community which form itself into a nation for the purpose of self-government immediately introduces its own distinctive unit of account-monetary […]

ABSTRACT This research work was carried out to examine problems of tax collection in Nigeria  using Uyo local government. The objective of this study is to examine the effect of tax collection on Uyo local government revenue. Also, find out if effective taxation system enhance Uyo local government. Furthermore,to investigate the authority responsible for collection […]

CHAPTER ONE INTRODUCTION 1.1       Background of the Study Technological developments particularly in the area of Telecommunication and Information Technology are revolutionizing the way business is done. Electronic Commerce is now thought to hold the promise of a new commercial revolution by offering an inexpensive and direct way to exchange information and to sell or buy […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND TO THE STUDY The purpose of this project is to highlight the instability, uncertainty, inaccurate planning and budgeting process and loss of effective control management function in the financial institutions, occasioned by the dynamic macro economic variable in Nigeria within the last decade. The economic variables were introduced apparently to […]

CHAPTER ONE INTRODUCTION 1.0  BACKGROUND TO THE STUDY           A Budget is commonly understood as the focus by a government of its expenditure and revenue for a specific period of time. The general budget can be defined as a government plan for revenue and expenditure for the coming fiscal year. According to Prof. Udabah S […]

CHAPTER ONE INTRODUCTION 1.0   BACKGROUND TO THE STUDY The term interest can simply be define as the cost of using someone else money or viewed from the under point of view, as the price charged for allowing one to use someone else money. The role of interest is the reward for parting with liquid for […]

CHAPTER ONE INTRODUCTION   1.1   BACKGROUND TO THE STUDY Nigeria with abundance of resources like crude etc is deemed blessed. Her vast resources in commercial quantities have placed her on a high pedestal among oil producing nations in the world. Her oil and gas industry which has been widely described as the nation’s financial […]

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND OF THE STUDY The importance of Training and Development is obvious given the growing complexity of the work environment, the rapid change in organization and advancement in technology, among other things. Training and development helps to ensure that organizational members possess the knowledge and skill they need to perform their […]

CHAPTER ONE INTRODUCTION 1.1  BACKGROUND TO STUDY Value added tax is a concept in Nigeria introduction in January 1994.It antecedent contract to 1987 when structural adjustment programme [SAP]was introduced in the country. The architects of (SAP) which include the world bank and international monetary fund (IMF) had advised on total review of tax system in […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND TO THE STUDY The process of preparing and using budget to achieve management objectives is called “budgeting”. Budgeting is an essential element which is vital to management accounting technique which can benefit all aspect of business if it is understood and properly used. The growing complexity of the business environment […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND TO THE STUDY The importance of managing the economy efficiently cannot be over emphasized. The monetary authorities, by controlling the supply of money, maintain price stability andinfluence economic activities especially when combined with appropriate fiscal measures (Friedman, 2015). The banking system remains the major channel for monetary control by the […]

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND TO THE STUDY The introduction of electronic banking, online transactions and mobile banking in Nigeria has paved way for a new era of development where the use and demand for physical cash is gradually declining. These recent evolution of technology in the Nigerian financial institutions posses interesting questions for economist, […]

ABSTRACT Taxation and its product, Tax have been very important vehicles for economic policies of many countries of the world. For a very long time, tax has been a major source of revenue for various levels of governments. For instance, in Nigeria, the laws of the land stipulate the categories of taxes that are collectable […]

CHAPTER ONE INTRODUCTION 1.1   Background to the study Like little drops of water that forms a mighty ocean, the littleness of small scale businesses from the cradle has been the bedrock of industrialization in developing countries of the world. Globally, small scale enterprises have contributed enormously in improving the standard of living of the people by […]

CHAPTER ONE INTRODUCTION 1.1    Background to the study The Nigerian capital market is relatively new and has many factors influencing it. The capital market is for sourcing of long term loans, while the floating of government bonds will greatly stimulate the capital market in it’s size and activities. Also, most market started with bonds that are […]

CHAPTER ONE INTRODUCTION 1.1   Background to the Study The low productivity, profitability and efficiency of many Nigeria banks necessitate the introduction of information technology to find solution to the challenges of the present day banking system. This paper has tried to assess the impact of information communication technology on the efficiency of thirteen commercial banks […]

CHAPTER ONE INTRODUCTION 1.1  BACKGROUND TO THE STUDY Internet banking is one of the gifts to human beings by computer technology. Use of computers have automated banking process and thus has given birth to internet. Internet is a fast spreading service that allows customers to use computer to access account-specific information and possibly conduct transactions […]

CHAPTER ONE INTRODUCTION BACKGROUND TO THE STUDY The Central Bank of Nigeria in December 2005 published regulatory and supervisory framework for the regulation of microfinance banks and mandated all community banks operating in the country to submit to it plans for conversion latest by September 30th, 2006 and to finally convert latest 31st December, 2007.  […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND TO THE STUDY The economic and financial situation of a country is largely based on the monetary policy being implemented by the Central Bank of the country. It is widely agreed that monetary policy can contribute to sustainable growth by maintaining price stability. According to Christiano and Fitzgerald (2013), when […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND TO THE STUDY Money deposit banks are resident depository corporations and quasi-corporations which have any liabilities in the form of deposits payable on demand, transferable by cheque or otherwise usable for making payments.The banking sector in Nigeria in 2010 financial year was oligopolistic in structure as only ten banks 11.1% […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND OTO THE STUDY The Central Bank of Nigeria is responsible for implementing monetary policy, regulating and supervising banks, and operating the payments system. With these responsibilities come the authority to raise and lower national interest rates in the banking industry. Interest rate movements help balance inflation and keep the economy […]

CHAPTER ONE INTRODUCTION 1.1 Background to the study A Tax is a fee charged or levied by a government on a product, income, or activity. If it is levied directly on personal or corporate income, it is called a direct tax. If it is levied on the price of a good or service, then it […]

ABSTRACT This study was intended to evaluate the importance of marketing research in the Nigerian banking industry. This study was guided by the following objectives; to evaluate if marketing research can be used as a measure of development of a firm, to evaluate if marketing research can survive a firm economically, to determine the extent […]

TABLE OF CONTENT Title page Certification Dedication Acknowledgement Abstract Table of contents Chapter One 1.1 Background of the study 1.2 Purpose of the study 1.3 Statement of the problem 1.4 Significance of the study 1.5 Delimitation of the study 1.6 Definition of the term Chapter Two 2.1 Review of Related literature 2.2 History and development […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND TO THE STUDY Bank advertising includes advertising performed by banking institutions. Apart from advertising address to bank customers, this category may also include business reports, information brochures of announcements on payment of new shares, reports on investment program results and several other financial announcements (information).The first type contains dominant psychological […]

ABSTRACT This study was intended to examine the role of commercial banks in the performance of small-scale enterprises. This study was guided by the following objectives; to analyse the contribution of commercial banks towards the development of small-scale enterprises in Nigeria, to examine the relationship between commercial banks’ support and the performance of small-scale enterprises, […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND TO THE STUDY The computer machine and computer technologies are both human oriented. Though, the computer is brilliant and intelligent, it cannot compete with human. This is to say that the computer technology excellence of intelligence is desirable from the human elements that interact with the system and technology to […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND TO THE STUDY This chapter is concerned with the introduction of the research work. It deals with the background of the study, statement of problems, purpose of the study scope of the study research questions significance of the study and definition of terms. It has said that the traditional role […]

ABSTRACT Just like large organizations, small and medium scale businesses need auditors to survive. The role of auditors in helping small business owners keep accurate and concise financial records cannot be underestimated in corporate Nigeria today.   Concerning Methodology, data was collected by means of questionnaire. The collected data were analyzed with the aid of […]

CHAPTER ONE INTRODUCTION   1.1  BACKGROUND TO THE STUDY        Treasury function emerged as a result of the sophistication of banks. After the recapitalisation of banks capital to N25 billion in 31 December, 2005 due to increasing competition, Banks have initiated a lots of product to enhance their treasury function, knowing that treasury product which […]

CHAPTER ONE INTRODUCTION 1.1  Background to study The banking sector is becoming increasingly competitive around the world. This is particularly true in the area of small-medium business banking. Further, the core and actual services being offered to business customers could be considered reasonably homogenous. Consequently, there is an increased need for banks to differentiate themselves […]

ABSTRACT This work aims to satisfy those who have interest in banks participation in the industrial development of Nigeria, especially the bankers throughout the world who are involved in financing industrialization process. For the purpose of the study, the researcher used the following methods in collecting data to enable her carryout an effective study. Related […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND TO THE STUDY In the immediate past decade and this present decade, there have been seminars, conferences, articles, Journals and various publications by both local, national and International Organizations on the sharp decline in Agricultural production on these various programmes, some of these workshops, conferences and seminars include the followings.The […]

ABSTRACT Based on the presentation and analysis of data on the topic CRITICAL ANALYSIS OF CAUSES AND PROBLEMS OF FINANCIAL DISTRESS IN NIGERIA BANKING SECTOR” the following are the major findings.Inefficient management has contributed significantly to the financial distress in Nigeria banking sector. This was approved statistically with the chi-square test techniques. It was also discovered […]

CHAPTER ONE INTRODUCTION 1.1  STATEMENT TO PROBLEM Initially, fraud (ie deliberate effort to obtain financial advantage of a person unlawfully) was become the problematic term inhibiting the proper functioning or operation of bank. As scrutinized experience  bank inspectors and auditors that totally implication or hazard  impact  of fraud in Nigeria economy is reduction on economic growth and development (Okechukwu […]

ABSTRACT The aim of this research work is to study the principles involved in controlling of customers account by the Commercial Banks operating within the country. It also high lights the different methods of operating various customers account that are being operated by the Commercial Banks. Controlling of the operations of customers account has been […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND TO THE STUDY It will not be easy to say the exact date fraud began in the Nigerian Banking Industry. However, we are going to have a look at dates of the establishment of the first two indigenous banks in Nigeria as this will help us to trace the origin […]

CHAPTER ONE INTRODUCTION 1.1       Background of the Study The importance of a banking sector in any economy derives from its role of financial intermediation; provision of an efficient payment system and facilitating the implementation of monetary policies.  Hence, an efficient and effective banking sector is essential not only for the promotion of efficient intermediation but also […]

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND TO THE STUDY The origin of banking in Nigeria date back to the days of goldsmith in Venice and up till today personal services is still the main of banks output for her customers.Services is the central banks motto in the distribution of its various production packages and marketing strategy […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND TO THE STUDY The word fraud refers to the irregularities involving the use of criminal deception to obtain an unjust or illegal advantage. It send a wave of doubts, curiosity, anxiety and concern to people as regards the safety of be it financial or otherwise. It exists in different sectors […]

CHAPTER ONE INTRODUCTION In the history of Nigeria, most of the Governments at one time or the other and also the articulate members of the public have recognized the growing need of Urban infrastructure Development in Nigeria. This can easily be inferred from the alarming rate of urbanization in Nigeria. Over the past few years […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND TO THE STUDY Nigeria since the oil boom in the early 70’s has been a victim of a monolithic economy and since then has been enjoying the so called ‘Petro Naira’ without adequately evolving a sound policy that will keep the nation’s economy in a firm foundation for steady growth.  […]

ABSTRACT To start with, the goal of every operation staff is to deliver quality service and in the process excite the customer. Through information given it is obvious that automated clearing system in Nigeria has improved payment service. The purpose of clearing banks to make the process more manageable. Method used in this project work […]

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND TO THE STUDY The business environment is always changing and therefore requires a dynamic strategized adaptation to these changes by businesses that wish to survive. These changes could be social, economic, legal, technological, etc (Acha, 2016: 109; Akpan, 2015: 23). In recent time, quantum improvements and innovations have been recorded […]

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND TO THE STUDY Many corporate bodies into problems because of mismanagement of working capital and inability to determine the effectiveness of working capital component on the organization performance. Working capital is the backbone of any organization be it finance / bank, manufacturing or trading. It is so because, if working […]

CHAPTER ONE Introduction Human Resource is a management approach that is aimed at understanding how psychological and social process interacts with the work situation to influence performance. Human relations are the first major approach to emphasize information work relationship and work satisfaction. As global workplace becomes a reality, companies, both large and small require human […]

CHAPTER ONE INTRODUCTION 1.1    BACKGROUND TO THE STUDY Liquidity management seeks ensure the attainment of short-term objectives of monetary policy, which means maintenance of desire monetary aggregate. It is very important aspect of monetary policy implementation and control commercial banks. Create money everyday but when the quality of money created in incompatible with the absorption […]

CHAPTER ONE INTRODUCTION 1.0  BACKGROUND TO THE STUDY The history of UBA can be traced to British and French Limited, which originated from BANOGE NATIONAL four Le Commerce etc industries (established in 1832). Early in 1949, Messer E.E Hunger Buler and C. H. Baker were seconded from Banyae National Pour le Commerce etc industries (established […]

CHAPTER ONE INTRODUCTION Bank plays important roles in the economic life of a country particularly a developing nation through the provision of banking services. As agent of development, they provide loans and advance including a variety of contingent facilities, which could either be short term or long terms. This explains why credit guidelines contained in […]

CHAPTER ONE  INTRODUCTION 1.1  BACKGROUND TO THE STUDY The effect of information communication technology (ICT) in banks deposit mobilization and profitability in Nigeria cannot be underrated, the technology advancement has brought the introduction of computer system into the recent banking operations. The introduction of computer and communication technology in the banking industry has been greatly […]

CHAPTER ONE INTRODUCTION BACKGROUND TO THE EXTENDED ESSAY The administration of credit can be regarded as important to financial institutions in any economy. Consequently the formulation and implementation of bound credit policies among the most crucial responsibilities of management in any financial institution. Thus this formulation of a sound credit policy is a necessary condition […]

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND TO THE STUDY The livewire of any organization setting is labour force. To this extent, human elements have been recognized as the most important resources. The behaviour of people is goal oriented in the sense that it attempt to satisfy certain need. Each person has different needs based on age, […]

CHAPTER ONE INTRODUCTION 1.1     BACKGROUND TO THE STUDY The level of fraud in the day Nigeria has assumed an epidemic dimension. It has eaten deep in to very aspect of a having to the extent that a three-year-odd-child talks about 419. Fraud id defined as a deliberate act of deceiving somebody in all illegal way in […]

CHAPTER ONE INTRODUCTION 1.1  BACKGROUND OF THE STUDY Historical background first bank of Nigeria for over a century has distinguished itself as a leading banking institution and as major contributor to the economic advancement and development of Nigeria. Founded in 1894 by shipping magnate from Liverpool, Sir Alfred Jones, the bank commenced operation as a […]

CHAPTER ONE INTRODUCTION 1.1     Background to the Study Today’s business environment is very dynamic and undergoes rapid changes as a result of technological innovation, increased awareness and demands from customers. Business organizations, especially the banking industry of the 21st century operates in a complex and competitive environment characterized by these changing conditions and highly unpredictable economic […]

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND TO THE STUDY Liquidity management seeks to ensure the attainment of short term objectives of monetary policy, which means maintenance of dose rue monetary aggregate. It is very important aspect of monetary policy implementation and control. Universal banks create money every day, but when the quantity created is compatible with […]