THE CONTRIBUTION OF MICRO FINANCE BANKS TO THE ECONOMIC WELL BEING OF RURAL DWELLER CHAPTER ONE INTRODUCTION 1.1  Background to the Study The federal government of Nigeria in the 1990 budget speech decided to establish micro-finance in order to stretch its programme of grass-roots economic development. The aim of this study is to make a […]

ABSTRACT This study review the corporate finance services as obtained in the Nigeria banking business. The major corporate finance discussed ranges from the capital market services, under which management of capital equity issue, marketing, packaging, advisory services were discussed. Add to other corporate finance services such as loan syndication, venture capital, merger and acquisition were […]

ABSTRACT The study examined the adequacy of bank financing on the growth of small businesses in Nigeria using the Union Bank of Nigeria as a case study. The major objective of the study is to ascertain the extent to which Union Bank of Nigeria Plc has helped to financial small scale industries. Instrument of data […]

ABSTRACT The research topic of this study is the impact of change management in Nigerian Banking Industry, A study of United Bank for Africa (UBA) station Road, Enugu. The research was a descriptive research, the researcher made use of primary sources and secondary sources of data. The primary sources of data were obtained through questionnaire […]

ABSTRACT In any organization, there is no doubt that information technologies are the bedrock behind every operation success in terms of productivity and efficiency. In this project, the study is divided into five chapters. In chapter one, we present the introduction of the study, background of the study, statement of the problem, research questions, purpose […]

ABSTRACT Merger and acquisition as a form of corporate restructuring are reform strategies adopted to reposition the banking sector. This research work seeks to examine the impacts of merger and acquisition on the performance and growth of banks in Nigeria as the main objectives. The research used shareholders’ funds and profit after tax of united […]

ABSTRACT The aim of writing this project is to explain the problem and difficulties being faced by banks as a result of bank failure with specific reference to banks. To achieve this aim, the research work has been classified under five chapters. The first chapter deals with the introduction statement of problems, objectives of the […]

ABSTRACT The desires to carry out this research work on new banks grose from the fact that the central bank of Nigeria policy on the establishment of these new in this country has been posing a lot of problems, which resulted to the unsatisfactory performance, and problem unpending failure of the new banks. This paper […]

ABSTRACT This project was written aim of identifying the major contributions of the secretary to the success of banking administration and determining whether the secretary could be avoided in the scheme of activities without much problems that a through research was carried out in First Bank of Nigeria PLC Enugu both in the Head Office […]

ABSTRACT This research work was carried out in order to examine the extent of using management information system (MIS) to improve customers service and growth in Access Bank Enugu with so much emphasis on the impact of computerization on its operation. This survey made are of information from oral interview questionnaires and certain analysis of […]

Abstract In this study, our focus was on the extent of liability of banks for e-banking fraud, Enugu State as case study. The study is was specifically focused on examining the e-banking fraud risks that are of high concern in the Nigerian banking sector; investigating the perceived factors that have considerable influence on the increase […]

IMPACT OF SERVICE QUALITY ON CUSTOMER RETENTION IN THE NIGERIAN BANKING SECTOR CHAPTER ONE INTRODUCTION 1.1 Background Of The Study The success rate of business organizations is undoubtedly dependent on their ability to establish customer satisfaction and brand loyalty (Iddrisu, Nooni, Fiankoc & Mensah, 2015). This is particularly true in the service industries, where connection […]

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND OF STUDY The COVID-19 outbreak is a global pandemic. It originated in December 2019 in the Chinese city of Wuhan, and has rapidly impacted to a greater extent in most parts of the world (James 2020). COVID-19 has affected and continues to affect all global areas and regions due to […]

CHAPTER ONE INTRODUCTION 1.1 Background of the Study A pandemic is a disease outbreak that spreads across countries or continents. It affects more people and takes more lives than an epidemic, which according to the World Health Organization (WHO) declared COVID-19 to be a pandemic when it became clear that the illness was severe and that it was […]

BACKGROUND OF THE STUDY The Central Bank of Nigeria (CBN) in 2019 implemented its 2014 intended policy on cash-based transactions which stipulates a cash handling charge on daily cash withdrawals that exceed N500, 000 for Individuals and N3, 000,000 for corporate bodies. The new policy on cash-based transactions (withdrawals) in banks, aims at reducing (NOT […]

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 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 […]

ABSTRACT This study empirically examined the determinants of manufacturing firms’ financial performance in Nigeria using a panel data for 12 years across 10 manufacturing firms listed on the Nigerian Stock Exchange for the period 2004 to 2015. The effect of revenue reserves, interest paid on borrowings and tax paid were examined on net worth, profit […]

ABSTRACT Nigeria is a mono-product economy in term of  generating revenue from Crude oil price, which constituted its major export commodity, changes in oil prices have continued to have  implications for the Nigerian economy and, in particular on the exchange rate movements. This study examined the effects of crude oil price and exchange rate on […]

ABSTRACT Risk management is an integral part of our financial system. losses arising from bad debts to uncertain investments are as a result of poor risk management in our banking systems. This project spans from chapter one to chapter five. In-depth studies on risk management in Nigeria are properly analyzed in the study. Questionnaire were distributed […]

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 […]

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 […]

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 […]

DEBT RECOVERY PROCEDURES AND STRATEGIES OF MONEY-DEPOSIT BANKS IN NIGERIA ( A CASES STUDY OF 3 BANKS IN NIGERIA) Introduction The role of credit facilities in any modern economy can not be over emphasized. This could be best appreciated when it is realized that the rate of development of the economy would be showed down […]

RISK MANAGEMENT IN NIGERIAN BANKS: A CASE STUDY OF UNION BANK UYO INTRODUCTION For bank to be standard it must undertake investments it shows that the decision taken on portfolios management, specify accurately a unique sequence cash flow cannot be forecast accurately as it subjected to the occurrence of future events. This determine the probability […]

MERGERS AND ACQUISITION AS GROWTH STRATEGIES IN NIGERIA 2.1     Need for Mobile Devices in Education The scenario of the Ontario study carried out by Martins (2009) is based on at least three realistic observations: According to the Oxford Advanced Learner’s Dictionary (2004), mobile phone is a telephone that does not have wires and works by […]

2.1 CONCEPT OF ASSET PORTFOLIO MANAGEMENT           The dictionary of accounting defined portfolio as the collection of different securities or other assets held by an individual or an institution which can be evaluated interns of their combined risk and return. This risk of a portfolio depend nor any on the risking or security bills also on […]

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 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 TABLE OF CONTENT Title Page Declaration           –        –        –        –        –        –        –        –        –        – Approval page     –        –        –        –        –        –        –        –        – Dedication –          –        –        –        –        –        –        –        –        –        – Acknowledgement         –        –        –        […]

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 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 […]

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 […]

ABSTRACT The purpose of this study is to evaluate the impact of Credit and Debt recovery Department in financial institution. It is also meant to assist the investment Company to identify some of its problems with a view to proffer a solution. Chapter two of this project reviewed some of the literatures that have been […]

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 […]

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 […]

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). […]

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

WORK-LIFE BALANCE AND ITS EFFECT ON EMPLOYEE PRODUCTIVITY (A CASE STUDY OF MERCHANT BANK) CHAPTER I INTRODUCTION Today, work-life balance has become an increasingly pervasive concern to both employers and employees of most organisations. Work-life balance which primarily deals with an employee’s ability to properly prioritize between work and his or her lifestyle, social life, […]

LITERATURE REVIEW 2.1   INTRODUCTION The aim of this chapter is to bring together views of different relevant literature connected with financial statement analysis in Nigeria. It seeks to discuss the information available in Nigeria and elsewhere as it is considered pertinent to the study. The study analyses the extent to which investors can place reliance […]

ABSTRACT Small and Medium Enterprises play a very important role in development of the Nigerian Economy. Making up about 97% of the entire economy, they serve as a source of employment generation, innovation, competition, economic dynamism which ultimately lead to poverty alleviation and national growth. Tax policy is one of the factors that constitute the […]

ABSTRACT Revenue from tax which is a big source of revenue to the Government has been a major concern to many developing countries such as Ghana in recent times. This due to the fact that taxation faces a lot of challenges in developing countries, and once these challenges are not properly dealt with, it becomes […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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. […]

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 […]

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 […]

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 […]

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 […]

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 […]

ABSTRACT The study was based on descriptive analysis of the motivational forces in service Industries, the case of PHCN, Uyo. The chapter is divided into five (5) parts, The first chapter dealt with the general introduction of the research findings, the second chapter dealt with the research finding made in the course of the investigations, […]

INFLUENCE OF INFORMAL GROUPS ON PRODUCTIVITY GET COMPLETE WORK NEED SUPPORT? TO SPEAK WITH OUR ONLINE CUSTOMER-CARE CLICK HERE

MULTINATIONAL COMPANIES AND THEIR CORPORATE SOCIAL RESPONSIBILITIES TO THEIR HOST COMMUNITIES (A CASES STUDY OF SHELL COMPANY, RIVERS STATE) GET COMPLETE WORK NEED SUPPORT? TO SPEAK WITH OUR ONLINE CUSTOMER-CARE CLICK HERE

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 Literature review Issue on the […]

CHAPTER ONE 1.0    Introduction The present biggest challenge is developing an economy of a country’s sustainable growth and development to serve as a benchmark for economies the world over. In order to live up to this challenge, most governments’ direct their efforts towards obtaining and maintaining this sustainable growth and development to ensure a better […]

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 […]

CHAPTER ONE INTRODUCTION 1.1   Background of the Study  The role of the small and medium enterprises (SME) as a catalyst for economic growth and development has been well documented in the economic literature and recognized in most countries.  For example, in many of the newly industrialized nations, more than Ninety eight (98) percent of all […]

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. […]

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 […]

ABSTRACT Tax collection has remained an issue of great concern to past and present governments of Nigeria. The credit crunch that hit most developed countries in the year 2008 has reduced donor support to most developing countries. As a result, there is a great dependence on internally generated tax revenue for development. It is therefore […]

ABSTRACT This study, sought to determine the impact of training on staff performance using RoseMore Hotel as a case study. The amount, and quality of training carried out varies from organization to organization due to factors such as the degree of external change and also the extent to which the organization supports the idea of […]

ABSTRACT The introduction of universal banking law has brought changes over the years, with it stiff competition in the banking industry. Commercial banks are no exception to the modern changes in ensuring staff motivation towards their organisational goals. The study seeks to assess the motivational packages available at First Bank and how it affects employee […]

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 […]

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 […]

ABSTRACT The development of rural areas in Nigeria is influenced by numerous factors. The activities of co-operative societies in Kogi State was checked to see if it played any role in the development in the community it operates, Oral interview were carried out, several book were consulted and also, finding of registered co-operative societies and […]

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND OF STUDY Advertiser’s primary mission is to reach prospective customers and influence their awareness, attitudes and buying behaviour. They spend a lot of money to keep individuals (markets) interested in their products. To succeed, they need to understand what makes potential customers behave the way they do. The advertisers goals […]

THEORETICAL FRAMEWORK FOR THE STUDY Until recently there has been a general resistance to investment of training in the public service because of the believe that “Employees hired under a meut system must be presumed to be qualified, that they were already trained for their jobs and that if this was not so it was […]

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: […]

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, […]

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 […]

2.1   DEFINITION OF CORRUPTION AND ECONOMIC CRIMES According to section 2 of I.C.P.C Act (2000), corruption simply connotes impropriety and encompasses all forms of reprehensible, indecorous and infamous conduct in the performance of some official and non – officials responsibilities. This means any act, which go out of any normal societal behaviour. According to Nye, […]

Management of risk is one of the essence of the business of banking. The extent to which risk management is being managed or controlled could either be said to be an art or science. Indeed a judicious mixture of both could form the subject of an interesting if inconclusive debate (Richard, 2008). These would however […]

In other to understand the significance of financial reporting, one is required to be well versed in the theory and practice of accounting and corporate governance.  This review of literature is organized in stages or sections addressing the topic in one way or the other. The first stage is the concept of corporate  governance, a […]

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 […]

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 […]

LITERATURE REVIEW 2.1   CONCEPTUAL FRAMEWORK The concept of motivation has been defined in different ways by different scholars. Motivation is derived from a Latin word known as ‘Movere’. Movere means to move. Motivation is based on the principle of hedonism. Hedonism is that human tendency to seek pleasure and avoid pain. Berelson and Staines (2003) […]

LITERATURE REVIEW 2.1   INTRODUCTION The aim of this chapter is to bring together views of different relevant literature connected with financial statement analysis in Nigeria. It seeks to discuss the information available in Nigeria and elsewhere as it is considered pertinent to the study. The study analyses the extent to which investors can place reliance […]

2.1     Conceptual Framework Adebayo (a004) defined taxation is the legal demand made by the Federal Government or State government for its citizens to pay money on income goods and services. In a less complex society in which the government has few duties and responsibilities, the financial need of the government are minimal. However, as society […]

2.0   Development of Local Government in Nigeria  The evolution of local government in Nigeria has under gone a lot of changes. These are all geared towards making the local government a system that could serve the purposes for which they are created, before the emergence of the British Colonial/ Administration; various communities in Nigeria were […]