CREDIT CREATION AND MANAGEMENT IN NIGERIA COMMERCIAL BANKS (A CASE STUDY OF UNION BANK OF NIGERIA, OGUI ROAD ENUGU)

ABSTRACT The topic of this project is credit creation and management in Nigerian commercial books.  The purpose of the study is to examine the impact of policies issued or introduced into the banking system. The research outline covered the following points, revenue generation as a principal objective of bank lending, inefficient management of loan portfolio a fundamental problem of distressed banks.  Loan/deposit ratio as it affects’ liquidity position of banks and the impact of prudential guideline. Questionnaire was use in data collection using the random sampling method.  The chi-square statistic was use in testing the hypothesis. The finding were that level classified loans as bad or doubtful is still height though prudential guidelines reduce the profit of banks’ it increased value of the banks assets. The recommendation is for the banks have an effective and efficient loan monitoring and recovery unit in place.


TABLE OF CONTENT Cover page---------- Title page---------- Dedication---------- Acknowledgement--------- Table of content--------- List of tables--------- List of figures (if any)-------- Abstract----------
CHAPTER ONE:INTRODUCTION 1.1Background of the study------- 1.2Statement of the problem------- 1.3Purpose or objective of the study----- 1.4Research hypothesis-------- 1.5Significance of the study------- 1.6Scope of the study-------- 1.7Limitation of the study-------
CHAPTER TWO:REVIEW OF LITERATURE  2.1Role of commercial banks in Nigeria economy--- 2.2Causes of non-performing accounts----- 2.3Ways of minimizing occurrence of non-performing accounts- 2.4Importance of prudential guidelines-----  2.5Impact of prudential guidelines------ 2.6Summary of the related review literature----                 
CHAPTER THREE:RESEARCH METHODOLOGY 3.1Research design-------- 3.2Area of study-------- 3.3Population of study------- 3.4Sample and sampling procedure----- 3.5Instrument for data collection------ 3.6Validation of the research instrument----- 3.7Reliability of the research instrument----- 3.8Method of data administrator------ 3.5Data analysis--------
CHAPTER FOUR:DATA PRESENTATION AND RESULTS 4.1Summary of results/findings------
CHAPTER FIVE:DISCUSSION OF RESULTS IMPLICATIONS AND RECOMMENDATIONS 5.1Discussions of results------- 5.2Conclusion--------- 5.3Implication of the research results----- 5.4Recommendation-------- 5.5Suggestions for further research------ 5.6Limitations of the study------- Reference-------- Appendix--------