CHAPTER ONE INTRODUCTION 1.1    BACKGROUND OF THE STUDY Attempts to explain the operation of commercial banks began with the inception of banking institution. Lending has become a vital role in banking operations because of its direct effect on economic growth and business department. In most countries, banks and their lending activities have useful integrated into government […]

ABSTRACT Electronic banking is simply operating the banking system through the internet and it signifies both global public network and a family of technologies. In Nigeria, the banking industries are basically on-line at real time with web site which is restricted only to information and also it restricts most of their dealings to E-banking via […]

CHAPTER ONE INTRODUCTION 1.1       Background of the Study The backbone of every developed and developing economy across the globe is an efficient financial system, to enhance the financial system efficiencies the Central Bank which serve as the major regulator and supervisor adopts various measures and policies aimed at achieving this goal (Osazevbaru and Yomere. 2015). […]

CHAPTER ONE INTRODUCTION 1.1       Background of the Study Human Capital Development has become a global issue in human resource deployment practices and it spreads across various sectors including the banking industry. This makes the need to develop employee’s knowledge and skills in contemporary organisations more important as a way to enrich their job-related experience. However, […]

CHAPTER ONE  INTRODUCTION  1.1  BACKGROUND TO THE STUDY Accounting is the language of business while financial reporting is the medium through which the language is communicated. Accounting and financial reporting are regulated by Generally Accepted Accounting Principles (GAAP) comprising of accounting standards, company law, stock market regulations, and so on. GAAP for accounting and financial […]

CHAPTER ONE INTRODUCTION 1.1     BACKGROUND TO THE STUDY This project writ – up, “The role of Banks in international Trade”, is written to provide a guide sufficiently instructive in scope to meet the need for Banks, Economist in International Trade. Among the important topics examined are if there are various relationship, role that exist between […]

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND OF THE PROBLEM The role of the Nigeria Agricultural and co-operative Bank can not overemphasized. According to ugwuanyi (2012), there have been series of efforts. By the NACB in providing short, medium and long term finance to the Agricultural sector of the economy. This is aimed at making farmers to […]

CHAPTER ONE INTRODUCTION 1.1  BACKGROUND OF THE STUDY It is feared that the inability of management to ensure effective enforcement to rules and regulation have rendered the operation of internal control system in the Banking industry open to abuse. The net effect could be that every one carries out his schedule off duties in any […]

CHAPTER ONE INTRODUCTION 1.0  BACKGROUND TO THE STUDY The process of recapitalization has been in existence right from the 1980’s, but it is more intensified in recent time because of the impact of globalization which is precipitated by continuous integration of the world market and economies. Recapitalization is the substantial injection of capital into a […]

CHAPTER ONE INTRODUCTION 1.1  BACKGROUND OF THE STUDY In any Business entity, whether profit or non-profit making, has sets of objectives. It mobilizes resources from various sources to achieve the set goal at the end of the period. This is necessary to determine how well these resources have been utilized. Where there is separation of […]

CHAPTER ONE 1.1  INTRODUCTION The roles of commercial banks in our modern economy cannot be over emphasized, commercial banks in Nigeria as a financial institution helps in financing the exporting sector of the economy, by lending out short-term loans to those into manufacturing, exporting, trading and industries. Lack of bank credit (loan and advances) in […]

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND OF STUDY Growth in neoclassical theory is brought about by increase in the quantity of factors of production in the efficiency of their allocation. In a simple world of two variables, labour and capital, it is often presumed that low income countries have abundant labour but lees capital. This situation […]

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND TO THE STUDY The level of fraud in the present day Nigeria has assumed an epidemic dimension. It has eaten deep into every aspect of our life to the extent that a three old child talks about yahoo mail or 419, newly discovered sobriquet for advanced free fraud that is […]

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND TO THE STUDY A bank is a financial institution licensed by a government. Its primary activities include borrowing and lending money. A bank, be it old generation or new generation bank is a financial intermediary that accepts deposits and channels those deposits into lending activities, either directly by loaning or […]

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND OF STUDY Recapitalization is the most recent trend haunting the financial sector of the Nigerian economy. It was introduced in the form of an official order by the Central Bank of Nigeria (CBN) and was issued to banks to consolidate their capital bases to the tune of a minimum of N […]

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND OF THE STUDY The micro finance banks in port hacourt and in Nigeria as a whole is growing signifcantly with time and increasing the level of competition among them; only those with the best strategies tends to fare better in the market. The customers of micro finance banks in Nigeria […]

CHAPTER ONE INTRODUCTION Commercial Banks operate to mobilize deposits from the populace and keep. Some in trust payable on demand. Through the performance of this role, Banks act as reservoir for surplus funds and thus lend safe portion of these funds to clients that have genuine needs for them. The banks have special responsibility to […]

CHAPTER ONE INTRODUCTION 1.1    BACKGROUND OF THE STUDY The aims of every government is to provide its people with basic services leadership and protect the entire people’s interest within its power, for government to this, it must have a sound and adequate financial planning to make it possible to cater for the people’s needs. To a […]

CHAPTER ONE INTRODUCTION 1.1  BACKGROUND OF THE STUDY The study of the role of government agencies towards the development of small scale enterprises is quite interesting. These enterprise have a very important impact on the life of everybody in the society. Small independence business are everywhere and in every line of work, they can also be […]

CHAPTER ONE INTRODUCTION The banking system is an important sector of the economy because it acts as an agent for mobilizing funds from those who wish to deposit their money and allocating the same to those who want to borrow, thus facilitating the efficient functioning of commercial and .manufacturing activities. The credit allocation and control […]

CHAPTER ONE INTRODUCTION 1.0    BACKGROUND TO THE STUDY The Nigerian banking industry has witnessed tremendous changes and expansion since the mid 1980s. Unfortunately the growth and expansion in the sector are not the manifestation of a sound or vibrant banking system known anywhere in the world. Most banks in Nigeria are characterized by inadequate capital base, […]

CHAPTER ONE INTRODUCTION 1.1   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 […]

CHAPTER ONE  INTRODUCTION 1.1.   Background of the Study The new millennium brought with it new possibilities in terms of information access and availability simultaneously, introducing new challenges in protecting sensitive information from some eyes while making it available to others. Today’s business environment is extremely dynamic and experience rapid changes as a result of technological […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND TO THE STUDY The consolidation of banks has been the major policy instrument being adopted in correcting deficiencies in the financial sector. The economic rationale for domestic consolidation is indisputable. An early view of consolidation in banking was that it makes banking more cost efficient because larger banks can eliminate excess […]

CHAPTER ONE INTRODUCTION 1.1    BACKGROUND TO THE STUDY Automated Teller Machines (ATM) are devices used by bank customers to process account transactions. Typically, a user inserts into the ATM a special plastic card that is encoded with information on a magnetic strip. The strip contains an identification code that is transmitted to the bank’s central computer […]

CHAPTER ONE 1.0   INTRODUCTION Credit generally denotes loans and advances made either directly or indirectly by a creditor (lender) to a debtor (borrower) on the principles of different payment. The banks as a lender, provides credit facilities by making funds available to customers in agreed terms and condition of payment. The gain of this credit […]

CHAPTER ONE INTRODUCTION 1.1     BACKGROUND OF THE STUDY The banking industry which is various bank put together to this industry consist of the central, commercial, merchant, development and saving banks. Central bank being the apex bank. Though banks are classified according to their functions, a detailed study of their various functions showed that they have […]

CHAPTER ONE: INTRODUCTION INTRODUCTION 1.1     BACKGROUND OF THE STUDY Motivation on bank employee was established by the organisation (bank) with the aim to reset the healthy course of reconstruction growth and development of the organisation (bank) this research is set to understand how height level of employee engagement incentive to reward good work which happen to […]

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND TO THE STUDY Banking in Nigeria was carried out devoid of any electronic devices until the middle of 1980s. The operations of bank were mostly manual and fraught with attendant problem of poor services delivery. The era of new generation bank brought into the banking industry competition and need to […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND OF THE STUDY The Nigerian banking industry has witnessed and is still witnessing revolutionary metamorphosis in recent years as a result of the restructuring programmes channeled towards resolving the existing problems of the industry by the apex bank. The most recent championed epitome is the recapitalization exercise which has shaped the […]

CHAPTER ONE 1.0   INTRODUCTION The word “bad and doubtful debt” is used in the banking to refer to the portion of loans, advances and over drafts granted by bank which has proved difficult and seemingly impossible to recover in full from the respective committed customer. Such debt do not emerge instantaneously but rather are a gradual […]

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND TO THE STUDY Information technology has already become the nervous system of banks the world wide. Banks all over the world realized that only those that overhaul the whole of their payment and services delivery systems and operations are likely to survive and prosper in this global world of technology. […]

CHAPTER ONE INTRODUCTION 1.1    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 and employment generation. It goes without saying therefore, that small scale enterprises have the potential […]

CHAPTER ONE INTRODUCTION  1.1     BACKGROUND TO THE STUDY Micro finance Bank (describe here as small scale financial services to claim that they are economically active various urban and rural areas) has been proven to be effective in fighting poverty by providing entrepreneurs with the necessary capital to start and expand their entrepreneurial activities. Last year, successive […]

CHAPTER ONE 1.1   INTRODUCTION The business world can be extremely competitive, companies typically want to have something that makes them stand out from the crowd, something that make them more appealing and interesting to both members of the public and the media. A favourable image can help increase a company’s sales and negative publicity can […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND TO THE STUDY A microfinance institution is a semi formal organization. It can be non government al or community development initiative. It is a subset of flexible structures and system which provide a wide range of financial and saving needs of small scale enterprises in developing countries where top town formal […]

CHAPTER ONE INTRODUCTION 1.1    BACKGROUND OF THE STUDY Nigeria has been endowed with abundant human and material resources. Yet, imports bills for good and agricultural raw materials have been on the increase over the years. Prior to political independence and immediately after the country got its independence, it was not only sufficient in food production and […]

CHAPTER ONE INTRODUCTION 1.1    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 productivity is implicit in the fact that […]

CHAPTER ONE INTRODUCTION 1.1    BACKGROUND OF THE STUDY Automated Teller Machines (ATM) are devices used by bank customers to process account transactions. Typically, a user inserts into the ATM a special plastic card that is encoded with information on a magnetic strip. The strip contains an identification code that is transmitted to the bank’s […]

BACKGROUND TO THE STUDY Although a lot of research works has been done on the prospects and challenges of Information Technology in the banking industry, theses research works are broad based and only few are actually carried on Electronic Banking (E-banking). Modern banks now realise that only those that overhaul their payment service delivery and […]

CHAPTER ONE 1.1   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 The United bank for African plc has it’s antecedents rooted in that of its processor. British and French bank limited. The British and French bank Limited itself, metamorphosed from Banque National Pource commerce et al industries of paris (establish in 2012) Massrs E.G. Humgerbulher and C.H. Baker arrived […]

CHAPTER ONE 1.1  BACKGROUND OF THE STUDY Before the emergence of modern banking system, banking operation was manually done which lead to a slow down in settlement of transactions. This manual system involves posting transactions from one ledger to another which human handles. Figures or counting of money which should be done through computers or […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND OF THE STUDY    Marketing concept is a customer oriented philosophy which states that customer’s satisfaction is the economic and social justification of firm’s corporate existence. These philosophies hold that the company should be customer oriented. Strive for profitability. Sales volume and coordinate all its marketing activities. Marketing management however […]

CHAPTER ONE INTRODUCTION 1.1  BACKGROUND TO THE STUDY Marketing concept is a customer oriented philosophy which states that customer’s satisfaction is the economic and social justification of firm’s corporate existence. These philosophies hold that the company should be customer oriented. Strive for profitability. Sales volume and coordinate all its marketing activities. Marketing management however is […]

CHAPTER ONE 1.1 BACKGROUND OF THE STUDY Commercial banking in Nigeria dated back to 1892, when what emerged as the bank of British West Africa (now bank of Nigeria) was established. This was followed in 1917 by the Barclays bank now Union Bank of Nigeria. The Nigeria banking scene was monopolized by these two banks until […]

CHAPTER ONE 1.1     BACKGROUND OF THE STUDY   Planning is required in all forms of decision making in order to ensure an effective and efficient utilization of available scarce resources. The resources to satisfy the basic needs of the people and relatively scarce in relation to their demand. Therefore, there is need to plan for available resources […]

CHAPTER ONE INTRODUCTION 1.0   BACKGROUND OF THE STUDY The Nigerian banking industry has witnessed tremendous changes and expansion since the mid 1980s. Unfortunately the growth and expansion in the sector are not the manifestation of a sound or vibrant banking system known anywhere in the world. Most banks in Nigeria are characterized by inadequate capital […]

CHAPTER ONE INTRODUCTION 1.1  BACKGROUND OF THE ESSAY Customer Satisfaction is perception of customer about a company and in relation to whether his or her expectation is met or not (Praline, 2007). Over the years a feeling of discontentment among customers and users of bank services developed gradually with regard to irregular rendering of banks statement […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND OF THE STUDY The rapidly unfolding development within the information technology in recent times has led to resurgent calls for monies towards an effective cash management through Electronic banking (i.e. E-Banking). In the last few years, within the banking industry in Nigeria several commercial products have designed by banks to improve […]

CHAPTER ONE INTRODUCTION 1.1     BACKGROUND OF THE ESSAY Marketing is a social phenomena and great stimulus for economic progress of most societies in the world. Marketing practice makes improvement productivity possible and gives the society the improve standard of living that is required for dynamic society. Every organization whether it’s a product or a […]

CHAPTER ONE INTRODUCTION 1.0   BACKGROUND TO THE STUDY In developing countries like Nigeria small-scale businesses serves as the foundation upon which industrial development is based. This is because small – scale enterprises promote stable industrial base and ensure a balanced distribution of industrial development (NwankoG.O 2011). However, a close look at the performance of small – scale […]

CHAPTER ONE 1.0    INTRODUCTION In an increasingly competitive banking environment which is characterized by frequent changes in the regulatory environment, high cost of operations, dim misting spreads on profit from business as a result of sharp practices and the restriction imposed by unstable political and economic climates. It is imperative that who are able to detect […]

CHAPTER ONE INTRODUCTION 1.1    BACKGROUND OF THE STUDY The importance of the banking industry in the Nigerian economy cannot be overemphasized. Banks have been credited with an enable image of being an important source of capital for the development of the economy. This recognition drives largely from an assumed role of most banking institution in […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND OF THE  STUDY Fraud have been or become a common feature in all aspects of business life in Nigeria. It has assumed a predominant dimension in the banking industry such that it now constitutes serious threat to the proper practice and spread of the Nigeria. Millions of naira are lost through […]

CHAPTER ONE INTRODUCTION Banks have been accused of taking two much risk in unexpected new environments and lines of business. The advice being given is for the banks to avoid further in exposure by threatening to move tradition that will understand the activities banks, however are being charged by their shareholders to maximize holder’s wealth […]

CHAPTER ONE INTRODUCTION 1.1     BACKGROUND OF THE STUDY  Training and development has become an increasing and necessary tool of personnel and human resources management in any organization. The growth of an organization is likely to be limited more by the quality and number of its personnel than any other factors. Because of the changing nature […]

CHAPTER ONE 1.1  BACKGROUND OF THE STUDY Although a lot of research works have been done on the prospect s and challenges of information. Technologies in the banking industry, these research works are board based (E-banking). Opera etal, (2010), posits that, modern banks now realize that  only those that overhaul their payment services delivery and operations are […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND OF THE STUDY Banking is generally known to have started by seventeenth century goldsmith, since they has volt facilities. As individual keep their gold coins with the goldsmith, the business expanded and an association was formed. This gives rise to the emergence of merchant and private banks. Banks have been accused […]

CHAPTER ONE INTRODUCTION 1.1  BACKGROUND OF THE STUDY It is incontrovertible that the banking system is the engine of growth in any economy, given its function of financial intermediation. Through this function, banks facilitate capital formation, lubricate the production engine turbines and promote economic growth. However, banks’ ability to engender economic growth and development depends on […]

CHAPTER ONE 1.0  INTRODUCTION The role in which the computer plays in our everyday lives cannot be overemphasized. In fact, the computer is one of the greatest things that has happened to mankind and it should not be seen as a mere invention but a “revolution”. One may be wondering how the world would be […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND OF THE STUDY Exchange rate is the price of the unit of one country quotes in terms of another country’s currency i.e. it is the mathematical or quantitative expression of one country currency in terms of another’s. Exchange rate is a very vital price mechanism that directs the movement of other […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND OF THE STUDY Every organization set out to achieve one objective or two other such objectives are usually streamlined through the planning process. In planning process involves setting out objectives, examine the various ways of achieving them and directing on the best ways future it brings about the problem of budgeting. […]

ABSTRACT This research work was undertaken to assess the bank deposits and their impact on lending policies. This work was intended to achieve the following objectives: to apprise and determine the lending procedure of banks, to highlight the extent to which improper project evaluation influence bad debts of money. Deposit banks. Relevant data were collected […]

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND OF THE STUDY According to frank wood and Allan songster (2012) business accounting is concerned with the quantitative expression of economic data? As a discipline it evolve from a need for a frame work of recording, classifying, summarizing, analyzing and communicating economic data. Financial management is a specialized area of accounting, […]

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND OF THE STUDY In a modern economic system, there is distinction between the surplus  and deficit economic units and consequently a separation of the savings and investment mechanism. This has necessitated the existence of financial institutions whose jobs include the transfer of funds from savers to investors. One of institution is […]

CHAPTER ONE 1.1 BACKGROUND OF THE STUDY There is no doubt among observers that Nigeria as a country is rich in humans and mineral resources (most of which still remain untapped) having an estimate population of about 140 million people. Prior to the advent of the oil boom in 1973/1974 agriculture was the main source […]

CHAPTER ONE INTRODUCTION 1.1     BACKGROUND OF 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 13th […]

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND OF THE STUDY This project work on commercial banks lending practices and incidence of Bad debt in Nigeria is a study carried out by the researcher, so as to evaluate and analyze the lending principles, problems and effects of Bade Debt in the operation of banks and also to the general […]

CHAPTER ONE 1.1     INTRDUCTION According to annual report of the Central Bank of Nigeria, the Nigeria economy has performed less well in the 1980’s than the 1970’s. Much of the growth in both periods was based on performance of the oil sector. By 1970 oil output stood at 558 million barrels and increased to 823 […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND OF STUDY Fraudulent act in the banking industry” is of a special concern to the monetary control and supervisory authority who are charged with the safety of individual banks and the soundness of the banking industry. Fraudulent act” is common in Nigeria banking industry, but clients as well as employees, […]

CHAPTER ONE INTRODUCTION 1.1     BACKGROUND OF THE STUDY It is universally acknowledged that the banking including play a catalytic role in t he process of economic growth and development.  This acknowledgement is reinforced by contemporary conceptualism to the effect that banks are a veritable vehicle for mobilizing resources from su7plus units and tempting same to […]

CHAPTER ONE INTRODUCTION 1.1     BACKGROUND OF STUDY The main aim of this research work is an attempt to verify the indiscriminate increase in the prices of commodities produced in this part of the country by manufacturing organization and companies. This continuous rise in prices has attracted the attention of many citizens, mostly those who have […]

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND OF THE STUDY Unemployment is an issue that has generated debates from every nook and cranny of the world. Its impact was more, felt during the industrial revolution when the dimension of man power absorption changed towards the consideration of skill as a fundamental pre-requisite. However, over the years, government […]

CHAPTER ONE INTRODUCTION 1.1  BACKGROUND OF THE STUDY It is a known fact that the investment that promote economic growth and development requires long-term funding, or longer than the duration for which most savers are willing to commit their funds. Capital market is a collection of financial institutions set up for the granting of medium […]

CHAPTER ONE INTRODUCTION 1.1  BACKGROUND OF THE STUDY In recent decades, international trade in goods and financial services has become increasingly important. To facilitate such trade, many banking institution have also become international. Foreign exchange market (currency market) is a form of exchange for the global decentralized trading of international currencies. Financial centres around the […]

ABSTRACT This research work examined the role of Central bank in development of Nigeria Economy (1986-2010). Secondary data were used in this research work. The hypothesis was tested to examine the significance of relationship that exist between monetary policy tools, exchange rate and interest rate on economic growth in Nigeria. The analytical techniques used were […]

ABSTRACT This study examined the impact of petroleum profit tax on economic growth in Nigeria. It also looked at the direction of causality among petroleum profit tax, money supply, interest rate, inflation rate and economic growth employing the method of Johansen co-integration and the Granger causality tests using data spanning the period 1978-2013. Results showed […]

ABSTRACT This study appraises the effects of external auditing in the growth banking business in Nigeria with special emphasis on his relevance to deposit mobilization. Data were collected through oral interviews, library research and the questionnaire. Respondents were chosen through stratified random sampling and data were analysed using the Chisquare and Z-test. Findings of the […]

CHAPTER ONE INTRODUCTION 1.1    Background to the Study Debt is created by the act of borrowing. Debt has no precisely fixed meaning and may be regarded essential as that which one person legally owes to another or an obligation that is enforceable by legal action to make payment of money. Oyejide, Soyede and Kayode (2014) […]

ABSTRACT Foreign and domestic policy issues are related products of the same political system and are designed to define and implement overall national purposes. Foreign and domestic policy must be mutually supporting if national policy aspirations are to be achieved in an atmosphere of political stability. The research was carried out on the impacts of […]

ABSTRACT This project seems to bring together existing state of knowledge and existing state of practice in agriculture sector new techniques have to be proven before they are adopted in the general practice-chapter one of this project will deal with the statement of problems rationale of study significance of study and definition of terms-chapter two […]

ABSTRACT This study investigates the effects of ATM on the performance of Nigerian banks. Available studies have concentrated on the significant dimensions of ATM (automated teller machine) service quality and its effect on customer satisfaction with a bias against ATM producers. The study is motivated by the astronomical challenges confronting the proliferation of ATM infrastructure […]

ABSTRACT The study determines the role of capital allowance avoidance and personal taxation in the development of small scale businesses in Nigeria. The specific objectives are as follows: to determine the effect of personal income tax avoidance affects the growth of small firms in Nigeria and to ascertain the effect of personal income tax rates […]

CHAPTER ONE INTRODUCTION 1.1 Background of the Study The effect of information and communication technology (ICT) on the operation of stock markets has been a subject of debate in recent times. A school of thought led by authors like Shiller (1989), Summers (1988), Poterba and Summers (1988) would argue that stock markets have become excessively volatile […]

ABSTRACT The subject matter of this research work examined the impact of Mortgage institutions on the National housing policy and Development in Nigeria. This study also examined the effect of mortgage finance and National Housing Fund on Nigerian Citizens towards acquiring their own houses. The work outlined and appraised critically the contributions of Federal Mortgage […]

ABSTRACT The study was carried out to determine the effect of telecommunication service on service delivery and customer satisfaction. To carry out this research work survey research design employing questionnaire was used as the instrument of data collection. The data collected were presented in tables and analyzed using simple percentage and ANOVA. The result review […]

CHAPTER ONE INTRODUCTION 1.1 Background of the Study Corporate governance is the administrative arrangement whereby a nation or organization is segmented or broken into administrative units with well-defined roles stated in the constitution as the laws of the country or statute of the organization. The Nigeria nation started as a unit through the emergence of […]

ABSTRACT This research project work concerns itself with the prudential guidelines and the effect on the profitability of Deposit Money Bank. The major objective is to examine the effect of prudential guideline on the profitability of Deposit Money Bank. The researcher reviewed literature adequately and accordingly. The Analysis of Variance (ANOVA) was used to analyze […]

ABSTRACT This study explores the immense role of the microfinance banks in the alleviation of poverty in Nigeria. The researcher revealed that the rate at which rural dwellers deposit their money in their pillows rather than in microfinance banks is high. Data were collected through primary and secondary sources. As regarded to primary sources, questionnaires […]

ABSTRACT The primary objectives of this study was to examine how the financial institution export finance in Nigeria using First Bank of Nigeria Plc Onitsha branch as a case study. In carrying out this study, I used survey method in which I used the questionnaire to collect data. The target population was the staff of […]

ABSTRACT The subject matter of this research work is to evaluate the extent to which Small Scale entrepreneurs in Enugu have been able to obtain loans and raise finance from Nigerian Commercial Banks as a major source of finance to the economy. The main objective of the study is to establish the role of Commercial […]

ABSTRACT The study examines the role of commercial banks in Agricultural development in Nigeria, spanning from 1986-2014. The methodology used is ordinary least squares (OLS), using P.C give 8.00 package. The findings from the study support the view that commercial bank loans are not getting to red farmers. The commercial banks loan to Agricultural sector […]

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND TO THE STUDY According to (Fabunmi, 2010), the modern society or the entire world has grown to a level that the use of computers in the chain of production is inevitable. The genesis of automation in the banking industry in Nigeria can be linked to the on-going struggle by individual banks […]

CHAPTER ONE 1.1 BACKGROUND TO THE STUDY The importance of a vibrant, transparent and healthy banking system in the mobilization and intermediation of fund, for the growth and development of the economy need not to be over-emphasized. Worthy is of the fact that the level of functioning of the financial sector depends on the perception […]

CHAPTER ONE INTRODUCTION This study focuses on the implications of Credit to private Sector on the economic growth of Nigeria.  Reforms have been introduced and implemented in Nigeria over the last three decades. The impact of these reforms on the economic growth have not been well felt by the citizens. The study is to determine the […]

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND OF STUDY Most economic development literature described the 1950‘s and 1960‘s as ―Golden Years‖, which marked the rate of development in developing countries whose development at the period was just high and internally generated. Also, the less developed countries (LDCs) increased their investment with little or no reliance on external […]