CREDIT MANAGEMENT AND THE INCIDENCE OF BAD DEBT IN NIGERIA MONEY-DEPOSIT BANKS (A CASE STUDY OF UNION BANK OF NIGERIA PLC)

ABSTRACT
This research work was undertaken to assess the credit management and the incidence of Bad debts in Money-Deposit Banks.This work was intended to achieve the following objectives: to appraise and determine the lending procedure of banks, to highlight the extent to which improper project evaluation influence  bad debt of Money-Deposit Banks. Relevant data were collected from both primary and secondary sources. Questionnaire was the main primary data collected instrument employed while data from various relevant publications constituted the sources of secondary data. Upon the analysis of data, the following conclusions were drawn; that sound lending requires a clear-well articulated and easy accessible policy document which spells out the philosophy of lending. On the basis of the above findings, it was recommended that banks should ensure that loans given out to customers should be backed by adequate collateral security. Finally, it is the opinion of the researcher that the management of the Money-Deposit Banks should prevent the incidence of bad debts in Nigerian Banks.
TABLE OF CONTENTS Title Page                                                                                                       Approval Page                                                                                               Certification                                                                                                   Dedication Acknowledgement                                                                                          Abstract                                                                                                           Table of  Contents                                                                                          
CHAPTER ONE:  INTRODUCTION 1.1    Background of the study                                                                         1.2    Statement of the problems                                                                       1.3    Purpose̸ Objective of the study                                                                1.4    Research Questions                                                                                  1.5    Research Hypothesis                                                                               1.6   Significant of the study                                                                           1.7    Scope of the study                                                                                   1.8    Limitations of the Study                                                                         1.9   Definition of terms                                                                                 
CHAPTER TWO: LITERATURE REVIEW 2.1     Theoretical Framework                                                                         2.2     Government control over credits                    2.3     Credit Administration in Union  bank of Nigeria plc                             2.4     Lending and Credit Analysis                                                                 
CHAPTER THREE:  RESEARCH DESIGN AND METHODOLOGY 3.1      Research Methodology                                                                                3.2     Research Design 3.3      Area of Study                                                                                3.4     Population for the Study                                                                                 3.5     Sample Size Used                          3.6    Instrument For Data Collection                          3.7    Validation of the instrument                         
CHAPTER FOUR:  DATA PRESENTATION AND ANALYSIS 4.1    Data presentation and summary of findings                                               4.2   Provision and Analysis of Data Question                          4.3  Test of Hypothesis                         
CHAPTER FIVE:   SUMMARY OF FINDINGS, RECOMMENDATIONS,CONCLUSION. 5.1  Summary of Findings                           5.2  Recommendations                           5.3  Conclusion                                  Appendix                                   Bibliography