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TITLE PAGE

SIGNIFICANCE OF BANK CREDIT TO THE DEVELOPMENT OF NIGERIA BANKS

BY

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EE/H2013/01430
DEPARTMENT OF ----
SCHOOL OF ---
INSTITUTE OF ---

DECEMBER,2018

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APPROVAL PAGE

This is to certify that the research work, "significance of bank credit to the development of nigeria banks" by ---, Reg. No. EE/H2007/01430 submitted in partial fulfillment of the requirement award of a Higher National Diploma on --- has been approved.

By
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Supervisor                                                  Head of Department.
Signature……………….                           Signature……………….        

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External Invigilator

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DEDICATION
This project is dedicated to Almighty God for his protection, kindness, strength over my life throughout the period and also to my --- for his financial support and moral care towards me.Also to my mentor --- for her academic advice she often gives to me. May Almighty God shield them from the peril of this world and bless their entire endeavour Amen.

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ACKNOWLEDGEMENT

The successful completion of this project work could not have been a reality without the encouragement of my --- and other people. My immensely appreciation goes to my humble and able supervisor mr. --- for his kindness in supervising this project.
My warmest gratitude goes to my parents for their moral, spiritual and financial support throughout my study in this institution.
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This work investigated the impact of bank credit on the growth of Nigerian economy for the period of 1986-2012. The data was sourced from CBN statistical bulletin. To determine the impact of the independent variables on the dependent OLS method of estimation was employed. ADF was used to determine the order of integration, and all the variables were found to be integrated of same order one I(1). The Johansen and Juselius co-integration test was employed and the result showed that there is at most one co-integrating equation in the model, implying that there is a long run relationship between the variables in the model. The result of the OLS regression showed that there is a negative and significant relationship between GDP and TBCPS in the long run. M2 which was used as control variable has a positive and significant impact on GDP at the long run. The ECM showed that 24.03% of the disequilibrium will be corrected yearly. The short run dynamics of the variables indicates that TBCPS also have a negative and insignificant impact on GDP at the short-run. The result of the granger causality test reviles that causation runs from GDP to TBCPS and not the other way round, a case of unidirectional causality. The result also showed bidirectional causality between TBCPS and M2. And based on the forgoing it was recommended that CBN should lower the lending rate by manipulating the monetary policy rate, direct credit control should also be adopted by the CBN in other to improve the contribution of the informal sector. The government should improve on the infrastructural facilities in the country at the same time improve the level of security in this country by tackling the issue of Boko Haram sect and Militancy in Niger Delta.

TABLE OF CONTENT
Title page
Certification
Acknowledgement
Proposal
Table of content
CHAPTER ONE

1. Introductions
2. Statement of problem
3. Research questions
4. Objectives of the study
5. Research hypothesis
6. Significance of the study
7. Scope and limitation of the study
8. Definition of key terms
9. Organization plan of the study

CHAPTER TWO

1. Literature Review
2. Historical Background of the case study
3. Significance of Bank credit to the Development Nigerian banks
4. Concept of Bank Credit
5. Lending policies and objectives
6. Canons of lending
7. Lending against security
8. Land and security

CHAPTER THREE

1. Methodology
2. Source of Data
3. Primary source
4. Secondary source
5. Data Techniques

CHAPTER FOUR

1. Data presentation, analysis

CHAPTER FIVE

1. Summary
2. Conclusion
3. Recommendations
4. References 

CHAPTER ONE
1.0   INTRODUCTION
In a developing country like Nigeria, the significance of bank credit to a firm cannot be over emphasized.
It is there necessary that everybody known the roles played by banks through their credit in developing Nigeria firms and the economy of large.
Although many of use have heard about bank credit and we pass through the bank on daily basis, majority do not known the vital rate played in our fast developing Nigerians various types of banks credit that exist and how the investors apply these credits to the development of the nation’s economy.
In order to succeed in life, a man does not only work hard, but he also looks for means to improve on his work. These are situations whereby a man has all the skills needed to set up a business but does not have the means to the end of the whole show.
That is why we feed that it timely at this point that is why we feed that it timely at this point o let people know the investment and now this will lead to the development of the nation at large source of financing both small scale and medium scale.
Finally, many educated people do not know the procedures of obtaining bank credit. All the foregoing have therefore influenced and dictated the topic the significance of bank’s credit to the development of Nigeria Banks with special References to unit Bank for Africa Plc.

1.2   STATEMENT OF THE PROBLEM
        Bank makes most of their profit from lending but there are some problems limiting the ability of bank to lend.
However, this study provides solution to the problem of bank credit and some of the problems are.

1. Operation of central bank in regulating the volume of money of circulation for example the uses of Bank rate open market operation, special directive and cash deposit ratio.
2. Inability of borrower the present acceptable security to bank.
3. Unwillingness of customer to deposit their money in the bank.
4. Unwillingness of members of public to borrow from the bank.

High interest rate charged by commercial bank on loan granted to public.
1.3   RESEARCH QUESTIONS
        The research questions on this study are:

1. Is there any relationship between high interest rate and incidence of bad debt? Bank DCO between 1894 – 1933

The dominance of these two British Banks was challenged in 1948 by the arrival of British and French Bank now called united bank for Africa Plc dominate early Nigeria deposit money bank. The foreign bank comes principally to render services in connection with international trade, so their relationship at that time was chiefly with the expatriate trading companies and with the government. They largely ignored the development of local African entrepreneurship. International Bank for West Africa is of the late Arrival among the expatriate banking Nigeria having been established in 1959, originally it was known as banquets international pour Afrogue accidental which has a number of consortiums of French and British banking interest and a principal finances of groundnut trade in neighboring Niger republic. These four expatriate bank have since been joined by many other varied national interest the banking sector in Nigeria has undergone significant trans for motion both in term of number and product creatively and the level of operation which was a result of economic return embodied in the structural adjustment programme (SAP) in 1986. In term of growth in the number of banks, the deposit money bank operating during that year were 12 with 27 branch nation wide, this number grew to 54 branches for the merchant bank in 2000 with the introduction of universal Banker’s in 2001. However, in 2003 and 2004 and 2004, the number fell to 89 and 87 respectively. In order to make Nigeria bank globally competitive, the central bank of Nigeria, July 6, 2004 announced a reform programme for national banking

1.4   OBJECTIVES OF THE STUDY
        This study aims to examine the impact of bank credit to development of Nigerian Banks. Secondly to expose the prospective investors to various credit available in the bank which the banks are ready and willing to grant such investor require for the credit facility. The research also feels abliged to let the reader of the project know how bank, let the reader of the project know how bank, through it credit helps in encouraging small scale firms provided towards the development of the nations banks. They finally, after a thorough pursue of this project, reader will come to know who is qualified to apply for bank credit, the procedure for obtaining such credit and how such credit, must be applied. The project will not commend the bank for its service and give recommendation on where necessary, hence, thus who are business oriented but do not have the means or to execute such business, will arrive maximum benefits from the write up to the various bank credit to them and how it can be graded.

1.5   RESEARCH HYPOTHESIS
        There is one major hypothesis that forms the root of this study. The findings will lead to acceptance or rejection of this hypothesis.
Ho: There is negative effect on significance of bank credit to the development of Nigeria banks.
Hi: There is positive effect on significance of bank credit to the development of Nigeria banks.

1.6   SIGNIFICANCE OF THE STUDY
        The result of the study will be beneficial to different people in different ways. It will be beneficial to stakeholders in development banking industry, management and staff of the development – banking sector where achievement has been minimal.
The study will benefit the public who will understand the role played by development banking and use to apply for micro credit loans. It will be equally beneficiary to investors who applied for medium and long-term loan on how development banking finances capital projects. It will also stimulate new thoughts and ideas on how development banking in Nigeria carries out its activities
Finally, the study forms the basis upon which further research can be activated.

1.7   SCOPE AND LIMITATION OF THE STUDY
        There are many deposit money bank and financial institution that grant loan for the development of the nation’s economy.
The researchers intends to carryout research work on the significant of bank credit to the development of Nigeria Bank. Using united Bank for Africa Plc as a case study. However, the research work been limited as to insufficiency of fund.
However, effort has been made to ensure that the above limitation did not lender effective completion and quality of research work.

1.8   DEFINITION OF TERMS
1.     RESUCITATE AILING INDUSTRIES: This bank resuscitating ailing industries that can operate competitively in the country economy.
2.     LOCAL SOURCE OF FUNDS: These are funds provided to the development bank by the federal government of Nigeria and the central bank of Nigeria.
3.     INTERNATIONAL SOURCES OF FUNDS: This is a way by which development bank obtain foreign loans and grants from international agencies.
4.     ABSORBTION OF EXCHANGE RISK: The bank provides facilities that will encourage the absorption of exchange risk encountered by funds users in respect of foreign dominated loans.

1.9   ORGANIZATION AND PLAN OF THE STUDY
        The research proposal of the topic, significance of bank credit to the development of Nigeria banks.
CHAPTER 1     -       Introduction
CHAPTER 2     -       Literature review
CHAPTER 3     -       Research methodology
CHAPTER 4     -       Lending against security
CHAPTER 5     -       Summary, conclusion, recommendation

Department of banking and finance,
Institute of finance and   management studies
Kwara state polytechnic,
Ilorin, Kwara state.
28th May, 2014.
The manager
United bank of African plc (UBA)
Ilorin.

QUESTIONNAIRE
Dear Sir,
I am a final year student of kwara state polytechnic Ilorin. In partial fulfillment of the requirement for the award of national diploma (ND) in banking and finance, I am conducting a research titled significance of bank credit to the development of Nigeria banks.
(A case study of united bank of African plc)
I respectively request your assistance in filling the attached questionnaires with complete honest. I guarantee you that the information provided will be handled with utmost confidentiality and I promise that the information you provide will be used strictly to advance the course of knowledge.
    Yours faithfully
Babatunde Damilare

QUESTIONAIRRE ON THE SIGNIFICANCE OF BANK CREDIT TO THE DEVELOPMENT OF NIGERIA BANKS
(A CASE STUDY OF UNITED BANK FOR AFRICAN PLC, ILORIN)
Kindly complete the question below by ticking in the appropriate boxes and right space provided
SECTION A
PERSONAL INTERVIEW

1. Name:________________
2. Department:_________________
3. Sex: (a) male (  ) (b) female (  )
4. Age: (a) 20-30 years (  ) (b) 31-40 years (  ) (c) 41-50 years above (  )
5. Marital status: (a) married (  ) (b) single (  ) (c) divorced (  )
6. Educational qualification: (a) WASCE/GCE (  ) (b) a level/OND (  ) (c) HND/BSC (  ) (d) other specify (  )
7. Banking experience: (a) 1-5 years (  ) (b) 6-10 years  (  ) (c) 11 years and above (  )

SECTION B

1. viii. does the inadequate of customer deposit bring limitation on the power of lending: (a) yes (  ) (b) No  (  ) (c) indifference  (  )
2. is the true percentage of deposit granted as loans: (a) certainly (  ) (b)uncertainly (  ) (c) indifference (  )
3. does banking lending base on security (a) certainly  (  ) (b) uncertainly (  ) (c) indifference  (  )
4. can a farmers who need loan without security get loan  (a) yes  (  ) (b) No  (  ) (c) indifference  (  )
5. can a small firm go to bank for loan provide it has good security (a) certainly (  ) (b)uncertainly (  ) (c) indifference  (  )
6. is it true that through banking lending government favour some economic sector (a) yes (  ) (b) No  (  ) (c) indifference  (  )
7. does the bank also benefit from bank lending (a) yes (  ) (b) No  (  ) (c) indifference  (  )
8. does bank have a gain from lending (a) certainly (  ) (b)uncertainly (  ) (c) indifference  (  )
9. what terms of loan it suitable for customer (a) short-term  (  ) (b) long-term (  ) (c) middle term  (  )

SECTION C

1. General comment:________________________________

___________________________________________________

1. Recommendation:________________________________

___________________________________________________

 

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CHAPTER THREE: The complete chapter three of "significance of bank credit to the development of nigeria banks" is available. Order full work to download. Chapter three of "significance of bank credit to the development of nigeria banks" consists of the methodology. In this chapter all the method used in carrying out this work was discussed.

CHAPTER FOUR: The complete chapter four of "significance of bank credit to the development of nigeria banks" is available. Order full work to download. Chapter four of "significance of bank credit to the development of nigeria banks" consists of all the test conducted during the work and the result gotten after the whole work

CHAPTER FIVE: The complete chapter five of design and construction of a "significance of bank credit to the development of nigeria banks" is available. Order full work to download. Chapter five of "significance of bank credit to the development of nigeria banks" consist of conclusion, recommendation and references.

 

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