Effect Of Lending And Debt Management On Performance Of Money Deposit Banks .In Nigeria (A Study Of First Banks Of Nigeria And Access Bank Plc)
ABSTRACT
This study focuses on effects of lending and debt management on the performance of money deposit banks in Nigeria. The major problem examined in this work is the impairment to some extent the role of credit extension by the commercial banks due to some fundamental problems in Nigeria at large. Data were collected from secondary sources using an ex-post factor research design. The data collected were tabulated and analyzed using the multiple regression analysis. The result of hypothesis one reveals that lending and debt management (debt ratio, non-performing loan) has a significant effect on profit margin. The finding of hypothesis two reveals that lending and debt management (debt ratio, non-performing loan) has a significant effect on return on assets. The results of hypothesis three reveals that lending and debt management debt ratio, non• performing loan) has a significant effect on return on equity. It is recommended that credit officers should intensify efforts on their job, routine check on customers and prudent approach to recover loans and advances granted to customers. Additionally Management of deposit money banks in Nigeria should enhance their skills in credit analysis and loan management. Finally Central Bank of Nigeria and other regulatory bodies should pay more attention to banks compliance to relevant provisions of banks and other financial institution Act (BOFIA) (1999) and prudential guidelines.
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ELENW, B (2021). Effect Of Lending And Debt Management On Performance Of Money Deposit Banks .In Nigeria (A Study Of First Banks Of Nigeria And Access Bank Plc). Repository.mouau.edu.ng: Retrieved Sep 20, 2024, from https://repository.mouau.edu.ng/work/view/effect-of-lending-and-debt-management-on-performance-of-money-deposit-banks-in-nigeria-a-study-of-first-banks-of-nigeria-and-access-bank-plc-7-2
BENSO, ELENW. "Effect Of Lending And Debt Management On Performance Of Money Deposit Banks .In Nigeria (A Study Of First Banks Of Nigeria And Access Bank Plc)" Repository.mouau.edu.ng. Repository.mouau.edu.ng, 09 Mar. 2021, https://repository.mouau.edu.ng/work/view/effect-of-lending-and-debt-management-on-performance-of-money-deposit-banks-in-nigeria-a-study-of-first-banks-of-nigeria-and-access-bank-plc-7-2. Accessed 20 Sep. 2024.
BENSO, ELENW. "Effect Of Lending And Debt Management On Performance Of Money Deposit Banks .In Nigeria (A Study Of First Banks Of Nigeria And Access Bank Plc)". Repository.mouau.edu.ng, Repository.mouau.edu.ng, 09 Mar. 2021. Web. 20 Sep. 2024. < https://repository.mouau.edu.ng/work/view/effect-of-lending-and-debt-management-on-performance-of-money-deposit-banks-in-nigeria-a-study-of-first-banks-of-nigeria-and-access-bank-plc-7-2 >.
BENSO, ELENW. "Effect Of Lending And Debt Management On Performance Of Money Deposit Banks .In Nigeria (A Study Of First Banks Of Nigeria And Access Bank Plc)" Repository.mouau.edu.ng (2021). Accessed 20 Sep. 2024. https://repository.mouau.edu.ng/work/view/effect-of-lending-and-debt-management-on-performance-of-money-deposit-banks-in-nigeria-a-study-of-first-banks-of-nigeria-and-access-bank-plc-7-2