Debt Recovery Techniques In The Banking Sector, Problems And Prospect (A Case Study Of Union Bank Nigeria Plc) (#8466)

PROPOSAL PAGEThis work is to carry out research on debt recovery techniques in the banking sector issues, problems and prospects (a case study of Union Bank of Nigeria Plc).This research will enhance to find out how non-distressed bank brings effective resolution to a distressed bank because of the effective means of recovery the debts. And if there is any loss in one bank it leads to a loss of confidence in the entire banking system. This research will state the aim at finding solution to the “debt†and general causes of financial distress in banking sector, and looking into to finding last solution. This research work will find out whether banks take loan policy into consideration when granting loans to customers. It will determine the causes of loan delinquency by banks. It will also analyze the effects of loan requirement and to make recommendations for improvement of debt recovery in the banks sector. It will to determine the problems associate or difficulty in loan recovery.
ABSTRACTWhen some banks in the system are distressed, it is in the best interest of the non-distressed ones that an effective resolution of the distressed in carrying out investigation. This is because, the distress in one bank can lead to a loss of confidence in the effected bank. It can also affect lack of confidence in the entire banking system, the corporation requires enormous amount of money which it does not have at the moment given the age and size of the insurance fund.Bank customers expect their bankers to provide them with loan and advance to make-up and short fall in their required fund, ability of the bank to maintain profitable depends largely on the extent to which the credit policy and debts recovery techniques is maintained.Credit control department is never the center of banks and as such, they are charged with responsibility of making proper use of the shareholders fund for the benefit of the public at large.The Union Bank of Nigeria Plc has been for this work. The study is carried out to examine the debt recovery techniques employed by Union Bank of Nigeria Plc, towards the effective running of deemed appropriate. The case study method was adopted in carrying out the work and data were collected from secondary and primary source.Secondary sources information include the use of existing literature coupled with use of some journals and other unpublicized manuals that were seen to be useful to this work. TABLE OF CONTENTSTitle pageApproval page Acknowledgement DedicationAbstractTable of contentProposal page
Chapter one1.0Introduction 1.1Background of the study1.2Statement of the problem1.3Objectives of the study1.4Formulation of the hypothesis 1.5Significant of the study1.6Scope and limitation of the study1.7Definition of termsReferenceChapter two 2.0Literature review 2.1.Capital Inadequacies Definition of terms2.2.Fraud And Gorgeries2.3.Lack Of Adequate Supervision2.4.Loan Policy2.5.Indebt Management2.6.Credit Information Policy2.7.Ownership Structure/Political Interference In The Banks Management2.8.The Role Of The Regulatory2.9Preventive Measures2.10.The Establishment Of A Credit2.11.Curative Measures2.12.He Role Of The Judiciary And The Law Enforcement Agencies2.13.The Role Of Press2.14.Debt Recovery2.15.Failed Bank (Recovery Of Debts)2.16.Enhancing The SupervisoryReferences
Chapter three3.0Research methodology3.1Research design3.2Sources of data3.3Population Sample Size3.4Instrument Of Data Collection3.5Data Collection Methods3.6Method Of Data Presentation3.7Method Of Data AnalysisReference
Chapter four4.0Data presentation and analysis4.1Research questionnaires analysis 4.2Using Pie Chart To Represent The Summary Of Debt Recovered In 1995Reference
Chapter five5.0Summary of findings, conclusion and recommendation5.1Summary of findings 5.2Recommendations5.3Conclusion  Bibliography JournalsAppendix - Questionaire