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LIQUIDITY AND LOAN PORTFOLIO PERFORMANCE: EVIDENCE FROM THE NIGERIAN BANKING SECTOR

ABSTRACT One of the major indicators of financial performance is profitability .Every stakeholder in the banking sector is interested in liquidity and performance (profitability) of the bank, the Shareholders are interested in profitability of the bank because it determines their returns on investment. Depositors are concerned with the liquidity position of  their  banks because it […]

EVALUATING THE IMPACT OF RISK MANAGEMENT ON PERFORMANCE OF MANUFACTURING FIRMS IN NIGERIA

EVALUATING THE IMPACT OF RISK MANAGEMENT ON PERFORMANCE OF MANUFACTURING FIRMS IN NIGERIA ABSTRACT This study focused on investigating the impact of risk management on performance of firms in manufacturing sector in Nigeria within the period of 2007 to 2015. This study was carried out to investigate the impact of working capital management and investment […]

CORPORATE GOVERNANCE AND PROFITABILITY OF SELECTED MANUFACTURING FIRMS IN NIGERIA

ABSTRACT The objective of this study is to empirically investigate the relationship between corporate governance (measured by Board Size, Ownership Concentration and CEO Duality) and profitability (measured by Return on Asset and Return on Equity) of selected Nigerian manufacturing companies. The study adopted survey research design. Random sampling was used to select 10 companies out […]

A SECTORAL ANALYSIS OF CRUDE OIL PRICE, EXCHANGE RATE AND STOCK PRICES IN NIGERIA, (2009-2016)

A SECTORAL ANALYSIS OF CRUDE OIL PRICE, EXCHANGE RATE AND STOCK PRICES IN NIGERIA, (2009-2016) CHAPTER ONE INTRODUCTION  Background to the Study Nigerian economy has relied heavily on importation of goods from foreign countries and has depended on crude oil generated revenue for over three decades. Crude oil revenue is the largest contributor to the […]

A CRITICAL ANALYSIS OF THE USE OF ACCOUNTING RATIOS TO MEASURE FINANCIAL PERFORMANCE OF AN ORGANIZATION (A CASE STUDY OF UNILEVER FINANCIAL STATEMENT FROM 2009 TO 2011)

CHAPTER ONE INTRODUCTION Over the years, one major aim of most organizations in Ghana is to improve on their financial performances through effective and efficient accounting and finance practices. Financial performance of every organization in recent times have gained top priority, as most users of accounting and financial statement have developed indents in the financial […]

THE IMPACT OF BANK LOANS ON SMALL AND MEDIUM SCALE ENTERPRISES IN NIGERIA (A CASE STUDY OF CUSTOMERS IN UNITED BANK FOR AFRICA)

ABSTRACT Small and Medium enterprises are the catalyst for economic growth in most economies thus, the fundamental objective of this study is to investigate the impact of loans on Small and Medium Enterprises (SMEs) in Nigeria. So that the ability of SMEs to develop positively and drive economic growth in the Nigeria will become real. […]

THE ROLE OF MICRO FINANCE BANKS IN ENHANCING ENTREPRENEURSHIP AMONG WOMEN IN NIGERIA

ABSTRACT Governments, donors and NGOs have over the years initiated and implemented programmes aimed at empowering women economically and socially. Despite these efforts some challenges still remain. Microfinance as tool for women empowerment has become the main subject of many global and regional conferences, seminars and workshops. This study therefore examined the contribution of microfinance […]

CREDIT MANAGEMENT AND ISSUES OF BAD DEBTS IN COMMERCIAL BANKS IN NIGERIA

2.1       THEORETICAL FRAME WORK The need and criteria for lending have been extensively discussed in the literature review. U.B.S Dictionary of Banking and finance(1981) defined bank credit as the ability to borrow money on the promise of future  repayment. The prudential guidelines(1990) succinctly convey a more comprehensive definition of credit, it defines credit facility as […]

THE EFFECT OF CONSOLIDATION ON BANKS’ OPERATIONS EFFICIENCY IN NIGERIA ( A CASE STUDY OF FIRST BANK PLC)

THE EFFECT OF CONSOLIDATION ON BANKS’ OPERATIONS EFFICIENCY IN NIGERIA ( A CASE STUDY OF FIRST BANK PLC) TABLE OF CONTENTS Title page        –           –           –           –           –           –           –           –           –           –           i Declaration      –           –           –           –           –           –           –           –           –           –           ii Certification    –           –           –           –           –           –           –           –           –           […]

THE CONTRIBUTIONS OF UNITED BANK FOR AFRICA TO THE DEVELOPMENT OF SMALL AND MEDIUM SCALE ENTERPRISES IN KADUNA

THE CONTRIBUTIONS OF UNITED BANK FOR AFRICA TO THE DEVELOPMENT OF SMALL AND MEDIUM SCALE ENTERPRISES IN KADUNA Background of the Study In both developed and developing countries, the small scale industry is seen as the vehicle for rapid industrialization, sustainable economic growth and development, poverty alleviation as well as the seed bed of innovation […]

ROLE OF MICROFINANCE BANKS IN THE ECONOMIC DEVELOPMENT OF NIGERIA

ROLE OF MICROFINANCE BANKS IN THE ECONOMIC DEVELOPMENT OF NIGERIA TABLE OF CONTENT Title Page Declaration           –        –        –        –        –        –        –        –        –        – Approval page     –        –        –        –        –        –        –        –        – Dedication –          –        –        –        –        –        –        –        –        –        – Acknowledgement         –        –        –        […]

PROBLEMS AND PROSPECTS OF LENDING TO SMALL SCALE AGRICULTURAL PRODUCERS IN NIGERIA

PROBLEMS AND PROSPECTS OF LENDING TO SMALL SCALE AGRICULTURAL PRODUCERS IN NIGERIA TABLE OF CONTENTS TITLE PAGE          –           –           –           –           –           –           –           –           –           i DECLARATION     –           –           –           –           –           –           –           –           –           ii APPROVAL PAGE            –           –           –           –           –           –           –           –           –           iii DEDICATION         –           –           –           –           –           […]

MICROFINANCE BANKING AS A STRATEGY FOR SMALL SCALE AGRICULTURAL DEVELOPMENT

MICROFINANCE BANKING AS A STRATEGY FOR SMALL SCALE AGRICULTURAL DEVELOPMENT Background to the Study The revitalization of the agricultural sector has been the cornerstone of the government development policy. This is aimed at moving the country quickly to self-sufficiency in food production of agricultural raw materials for domestic agro-based industries. The need to increase agricultural […]

THE EFFECT OF CREDIT RECOVERY ON THE PERFORMANCE OF MICRO FINANCE BANKS IN NIGERIA

INTRODUCTION Financial institutions serves as an intermediary between the source of fund and its users for productive or personal purpose. Especially it is a temporary depository of excess fund of individual, private enterprises and government parastatals from which loan are granted to borrowers. Hutchison D. (2001) “Side financial institutions in business is considered to be […]

IMPACT OF AUTOMATED TELLER MACHINE ON CUSTOMER SATISFACTION IN NIGERIAN BANKS

TABLE OF CONTENTS Title page Declaration Approval page Dedication Acknowledge Table of content Abstract CHAPTER ONE: Introduction Background to the Study 1.2    Statement of Problem 1.3    Objective of the Study 1.4    Research Questions 1.5    Statement of Research hypothesis 1.6    Significance of the Study 1.7    Scope of the Study 1.8    Definition of key Terms CHAPTER […]

ENHANCING THE EFFECTIVENESS OF MONETARY POLICY IN COMBATING INFLATIONTIONARY PRESSURES: PROBLEMS, PROSPECTS AND REMEDIES

Monetary policy entails the government policies aimed at changing the quantity of money or credit condition. In every economy, after fiscal policy, the next most powerful macro-economic stabilization is monetary policy. In fact Monetary and fiscal policies are expected to work together as complements to achieve one goals of a sound macro economic management that […]

AN ASSESSMENT OF RISK MANAGEMENT AND CREDIT ADMINISTRATION IN UNION BANK PLC UYO

Background of the Study Risk Management is the identification assessment and prioritization of risks. It is the effect of uncertainty on objectives, whether positive or negative followed by coordinated and economic of application of resources to monitor and control the probability and/or impact of unfortunate events or to maximize the realization of opportunities (Okeh, 2006). […]

AN ASSESSMENT OF REPOSITIONING THROUGH RECAPITALIZATION OF BANKING SECTORS IN NIGERIA

TABLE OF CONTENTS Title –        –       –       –       –       –       –       –       –       –       –       i Declaration –      –       –       –       –       –       –       –       –       –       ii Certification –      –       –       –       –       –       –       –       –       –       iii Dedication –       –       –       –       –       –       –       –       –       –       iv Acknowledgment –      –       […]

EMPLOYEE RELATIONS AND IT EFFECTS ON ORGANIZATIONAL PERFORMANCE

CHAPTER I INTRODUCTION Maintaining healthy employee relations in an organization is a pre-requisite for organizational success. Strong employee relations are required for high productivity and human satisfaction. Employee relations generally deal with avoiding and resolving issues concerning individuals which might arise out of or influence the work scenario. Strong employee relation depends upon healthy and […]

THE EFFECT OF ENVIRONMENTAL FACTORS ON THE PERFORMANCE OF SMALL AND MEDIUM SCALE BUSINESSES IN NIGERIA (ENVIRONMENTAL FACTORS AND PERFORMANCE OF SMALL BUSINESS ENTERPRISE)

ENVIRONMENTAL FACTORS AND PERFORMANCE OF SMALL BUSINESS ENTERPRISE CHAPTER ONE BACKGROUND OF 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, 2006). Business organizations […]

PERSONALITY AND ITS EFFECTS ON GROUP PERFORMANCE

ABSTRACT Group performance in every organization is very important, as it depicts the overall performance of the organization. If various individuals in an organization cannot work as a group, then the organization’s performance-both financial and operational will never be maximized. Group efforts and team work is the major ingredient in every successful organization, hence, the […]

A STUDY INTO INVESTORS RELIANCE ON FINANCIAL STATEMENTS ( A CASE STUDY OF UNION BANK, UYO BRANCH)

ABSTRACT Financial statements are the basis tools in which investors rely for making informed decisions concerning an organization. This study seeks to analyze how investors rely on financial statements and the study also shows how financial statements can be interpreted to users of financial statements. Questionnaires were administered through which data were collected the secondary […]

THE IMPACT OF FINANCIAL LITERACY ON THE PROFITABILITY OF SMALL SCALE ENTERPRISES IN CALABAR MUNICIPALITY, CROSS RIVER STATE

ABSTRACT The focus of this research is on the impact of financial literacy on the profitability of some small scale enterprises in Calabar Municipality, Cross River State. An enquiry into their level of adoption of financial literacy was also studied. A review of related literatures was carried out to examine the extent of work done […]

CURBING UNEMPLOYEMENT IN NIGERIA (A CASE STUDY OF NATIONAL DIRECTORATE OF EMPLOYMENT ANAMBRA STATE

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 […]

ASSESSING BOOK-KEEPING PRACTICES OF SMALL AND MEDIUM SCALE ENTERPRISES IN UYO LOCAL GOVERNMENT AREA

ABSTRACT Nigeria’s economy is characterizedverybylarge numberarelativ 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 the case of large enterprises. […]

A STUDY INTO THE MANAGEMENT OF EMPLOYEE GRIEVANCES IN AN ORGANIZATION (A CASE STUDY OF SOME SELECTED FIRMS)

ABSTRACT Maintaining good employee-employer relationship is one criteria for an organization to succeed. If employees are not happy with management and their fellow colleagues at workplace, organizational goals will never be achieved. this study tends to study the relationship between employee grievance and the performance of the organization, as well as developing various employee relations […]

WORKING CAPITAL MANAGEMENT PRACTICES OF SMALL AND MEDIUM SCALE ENTERPRISES IN NIGERIA ( A CASE STUDY OF SOME SELECTED SMES IN UYO)

ABSTRACT The main thrust of this study is to unveil the working capital management practices of small and medium scale enterprises in Akwa Ibom Stateof Nigeria. A well designed and implemented working capital management is expected to contributes positively to the creation of a firms values. The study used descriptive and analytical sample survey for […]

THE IMPACT OF ROAD NETWORK ON THE MARKETING OF AGRICULTURAL PRODUCE IN NIGERIA

TABLE OF CONTENT Title page Certification Dedication Acknowledgement Abstract Table of content Chapter one Background of the study Statement of research problem Objectives of study Statement of hypothesis Significance of study Scope of study Definition of terms Chapter two Review of related literature 2.1 The nature of agricultural produce in Nigeria 2.2 The role of […]

THE ROLE OF ACCOUNTING RATIO ANALYSIS IN MEASURING FINANCIAL PERFORMANCE OF A FIRM AND AIDING INVESTMENT DECISIONS

ABSTRACT This study explains the various accoutning ratios that can be used in interpreting financial statements of businesses to determine the financial position of the firm as well as aid investors to make informed decisions. Questionnaires were distributed to 25 manament and non-management staff of MTN Uyo Office. Both primary and secondary sources of data […]

CHALLENGES OF BUDGET IMPLEMENTATION IN NIGERIA

TABLE OF CONTENT Title page Certification Dedication Acknowledgement Abstract Table of content CHAPTER ONE: INTRODUCTION Background of the study Statement of the problem Objective of the study Research questions Significance of the study Statement of research Scope and limitations of the study Definition of terms/ concepts CHAPTER TWO: LITERATURE REVIEW The origin of budget Review […]

A STUDY INTO THE IMPACT TAX REFORMS ON INVESTMENT DECISIONS IN GHANA (A CASE STUDY OF GHANA REVENUE AUTHORITY, ACCRA)

CHAPTER ONE 1.0 INTRODUCTION Every government and most especially those in the developing economies are concerned about the economic growth of their nation. As a result, they put in much effort to achieve higher rate of economic growth and raise the standard of living of its citizens. The critical issue has been how to attract […]

EVALUATION OF THE ROLE OF SOCIAL AND ECONOMIC INFRASTRUCTURE IN THE PROMOTION OF BUSINESS ACTIVITIES IN NIGERIA (A CASE STUDY OF SOME SELECTED SMES IN ABUJA)

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND OF THE STUDY The focus on economic development has shifted in recent years from public-sector led economic development to private sector driven economic development. In achieving this, the Small and Medium Enterprise (SME) sector is usually relied upon because of extant scholarly knowledge of its capacity to contribute to economic […]

THE CONTRIBUTION OF INSURANCE COMPANIES TO THE GROWTH OF SMALL AND MEDIUM SCALE BUSINESSES IN UYO (A CASES STUDY OF NICON)

ABSTRACT The purpose of this study was to establish the relationship between the contributions of insurance companies and the growth of SMEs in NICON basing on the following objectives; to examine major factors that affects the growth of SMEs; to assess the contribution of insurance companies to the growth of SMEs; to investigate the factors […]

THE ROLE OF INSURANCE IN MINIMIZING BUSINESS RISK ( A CASE STUDY OF SMALL AND MEDIUM SCALE BUSINESSES IN UYO)

ABSTRACT SMEs are noted as the foundation of the emerging private sector in developing countries and government’sassistance is paramount to sustainin contribution to the country’s economyenhance (Worl performance of SMEs, little or no attention is given to the sector to become business recovery conscious in moments when disaster strikes. Events such as violent floods, fire […]

THE IMPACT OF VENTURE CAPITAL FINANCING ON SMALL AND MEDIUM SCALE ENTERPRISES IN NIGERIA (A CASE STUDY OF UYO LOCAL GOVERNMENT AREA)

ABSTRACT The study looked at the Impact of Venture Capital Financing on SMEs in the Uyo Local Government area. Efforts by successive Government to improve on the performance and growth of SMEs had led to the enactment of different policies and act including the Venture Capital Fund to assist SMEs. SMEs still in Nigeria have […]

IMPACT OF SOCIAL NETWORKING SITES ON EMPLOYEE PERFORMANCE (A CASE STUDY OF GUARANTEE TRUST BANK PLC)

CHAPTER ONE INTRODUCTION 1.1. Background Social networking is creating a dramatic changes or dynamic in the environment but it’s obvious it is creating changes. Social networking an online medium of interaction which let people build relations, share ideas, communicate information and bounding society in sentimental stream. Social networking is making dramatic growth in dynamic environment […]

AN EVALUATION OF CAPITAL STRUCTURE AND PROFITABILITY BUSINESS ORGANIZATIONS ( A CASE STUDY OF SOME QUOTED COMPANIES IN NIGERIA)

LITERATURE REVIEW In the course of this research work, the researcher reviewed work done by different authors on the research topic and related topics. The review started with the implications of capital structure. 2.1 IMPLICATION OF CAPITAL STRUCTURE Capital structure of a business organisation has its risk and reward implications for equity investors. Reward Implication: […]

BUDGET AND GUDGETARY CONTROL AS A MANAGERIAL TOOL IN AN ORGANIZATION

2.1   INTRODUCTION         This chapter is devoted to the review of relevant literature and contributions of several authors and researchers to the area of budgeting. In this chapter, the historical perspective and the basic principles of budgeting will be discussed. Various definitions for a successful budget administration and budget preparation process will be looked into.  Also, […]

THE IMPACT OF BUDGETARY CONTROL ON THE PROFITABILITY OF AN ORGANIZATION

LITERATURE REVIEW 2.1     INTRODUCTION           The budget serves as a vehicle through which the actions of the different parts of an organization can be brought together and reconciled into a common plan.  All organization whether economic, social or political make plans for the future. Organization and companies have limited resources and these scarce resources impose limits […]

ENHANCING PUBLIC CONFIDENCE IN AUDIT REPORT OF FINANCIAL INSTITUTIONS IN NIGERIA

LITERATURE REVIEW 2.1 Introduction Over the past decade, increased instigation as well as criticism of auditors has left little room for doubt that auditors are facing a liability and credibility crises in their profession. The reputation of accountancy profession comes under question for the reliability of their services (Adhikari, 2011). Similarly, failure of business in […]

EFFECT OF EMPLOYEE COMMITMENT ON ORGANIZATIONAL PERFORMANCE IN NIGERIA

2.1       Concept of Commitment and its Effect on Productivity In general, commitment is defined as the psychological attachment of workers to their workplaces (Becker, Billings, Eveleth, and Gilbert 1996, Allen and Meyer, 1990, O’ Reilly and Chatman, 1986). In fact, few empirical studies have examined a public sector employee’s commitment and its relationship to productivity […]

EFFECTIVE COMMUNICATION AS A STRATEGY FOR ENHANCING ORGANIZATIONAL PERFORMANCE

CONCEPTUAL FRAMEWORK Effective communication as a strategy for enhancing organizational performance. The word communication is derived from the Latin word communis meaning “Common” the communicator seeks to establish “commonness” with a receiver. Hence we define communication as the transmission of information and understanding through the use of common symbols, the common symbols may be verbal […]

THE EFFECTIVENESS OF PROMOTIONAL MIX ELEMENTS IN THE TELECOMMUNICATION SECTOR OF NIGERIA

INTRODUCTION Promotion is a key element in marketing. Successful promotion is the third essential ingredient or element in marketing strategy. Prospective buyers must learn about both the products distinctive want satisfying characteristics and its availability. Establishing and maintaining communications links with target market segments are main tasks assigned to promotion. Promotion is a component of […]

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