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CREDIT MANAGEMENT, CREDIT POLICY AND THE PERFORMING OF BANK IN AKURE, ONDO STATE NIGERIA

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 […]

A CRITICAL APPRAISAL OF THE IMPACT OF CASHLESS POLICY ON THE NIGERIAN FINANCIAL SYSTEM (A CASE STUDY OF SELECTED COMMERCIAL BANKS IN ETHIOPE, DELTA STATE)

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 […]

A CRITICAL ASSESSMENT OF THE SURGE OF CRYPTOCURRENCIES AND ITS USAGE IN AFRICA (A CASE STUDY OF SELECTED FINTECH COMPANIES IN NIGERIA)

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 […]

AN EXAMINATION OF THE ROLE OF FINANCIAL INSTITUTIONS IN FINANCING AGRICULTURAL PROJECTS

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 […]

FACTORS INFLUENCING LOAN REPAYMENT AMONG MICRO ENTERPRISES IN LAGOS

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, […]

CRITICAL APPRAISAL OF FOREIGN DIRECT INVESTMENT (FDI) IN NIGERIA

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 […]

CAPITAL MARKET REFORM AND THE PERFORMANCE OF THE NIGERIAN STOCK EXCHANGE: AN IMPACT EVALUATION

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 […]

THE CAPITAL MARKET AND THE CHALLENGES OF REAL SECTOR FINANCING IN NIGERIA. (A STUDY OF THE PERIOD 2000-2009)

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 […]

THE INFLUENCE OF NIGERIA MASS MEDIA ON POLITICAL CAMPAIGN

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND OF THE STUDY A political campaign is an organized effort which seeks to influence the decision making process within a specific group Amuchie. (2012). In democracies,  political campaigns often refer to electoral campaigns, wherein representatives are chosen or referendums are decided. In modern politics, the most high profile political campaigns […]

AN ANALYSIS OF THE IMPACT OF STOCK MARKET DEVELOPMENT ON ECONOMIC 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 […]

AN EVALUATION OF MARKETING CONCEPT IN THE BANKING INDUSTRY

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 […]

ASSESSMENT OF MICROFINANCE BANK ON POVERTY ALLEVIATION IN NIGERIA

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, […]

AUDIT INDEPENDENCE: ENHANCING ACCOUNTABILITY AND TRANSPARENCY IN CORPORATE ORGANIZATIONS

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 […]

BANK VERIFICATION NUMBER: IMPLICATION ON THE NIGERIAN ECONOMY AND BANKING SECTOR

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 […]

CURBING UNEMPLOYEMENT IN NIGERIA A 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 […]

ENHANCING PUBLIC CONFIDENCE IN FINANCIAL REPORTING, THE ROLE OF CORPORATE GOVERNANCE

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 […]

EVALUATING THE GROWTH CHALLENGES OF INDIGENOUS COMPANIES IN NIGERIA

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 […]

IMPACT OF DEBT FINANCING ON THE GROWTH OF MANUFACTURING FIRMS IN NIGERIA

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 […]

IMPACT OF SHARIAH GOVERNANCE ON CBN GUIDELINES ON NON INTEREST BANKING SYSTEM: A CASE STUDY OF JAIZ BANK

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 […]

THE EFFECT OF ENVIRONMENTAL FACTORS ON THE PERFORMANCE OF SMALL AND MEDIUM SCALE BUSINESSES IN NIGERIA

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 […]

LOCAL GOVERNMENT AUDIT AND ITS EFFECT ON COUNCIL’S ACCOUNT

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 […]

RISK MANAGEMENT IN NIGERIA BANKING INSTITUTION

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 […]

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