ABSTRACT
This research work was undertaken to evaluate of the problems and prospects of loan recovery in Nigeria commercial Banks, with first Bank of Nigeria Pie as a case study. The study appraised and determined the lending procedures of Banks and examined the effects of fund diversion on bad debts of money- Deposit Banks in Nigeria commercial Banks. Relevant data were collected from both primary and secondary sources. Questionnaire was the main primary data collected instrument employed. Population of the study was based on the five region administration office, with above three hundred and ninety four (394) branches in Nigeria. The sample size was one hundred and thirty six ( 136). Data from respondent were analyzed and the research hypothesis tested with Chi- square statistical. From the analysis it was found that sound lending requires a clear• well articulated and easy accessible policy document which spells out the philosophy of lending. On the bases of the above finding, it was recommended that Bank should ensure that loan given out to customers should be backed by adequate collateral security. Finally, the researcher recommends that the management of the money deposit Bank should prevent the incident of bad debts in Nigeria Banks by ensuring that loans are collaterized and appropriate monitoring observed .
TABLE OF CONTENT
Title page
Declaration
Certification
Dedication
Acknowledgment
Abstract
Table of contents
List of tables
CHAPTER ONE
1.0 Introduction 1
1.1 Background Of The Study 1
1.2 Statement Of The Problems 3
1.3 Objective Of The Study 4
1.4 Scope Of The Study '
1.5 Research Questions And Hypothesis
1.5.1 Research Hypothesis . ,
1.6 Significance Of The Study
1.7 The Limitations Of The Study
1.8 Definition Of Terms
CHAPTER TWO
Review Of Related Literature 9
2.1 The Historical Development Of Commercial Banking In Nigeria 9
2.2 Bad Debit In Commercial Banks 14
2.3 Principles Of Good Lending 15
2,.4 Government Control Over Credit 19
2.5 Credit Administration And Loan Recovery Procurement In First Bank Of Nigeria Plc 20
2.6 Lending And Credit Analysis 21
2.7 Loan.Recovery Process 23
2.8 Problem Encountered In Loan Recovery 23
2.9 Solution To The Problem OfLoanRecovery 24
CHAPTER THREE
3.0 Research Methodology 26
3..1 Research Design 26
3.2 Population Of The Study 26
3.3 Sample Size 27
3.4 techniques for Data Collection 27
3.5 Techniques For Data Analysis 29
CHAPTER FOUR
Data Presentation Analysis And Interpretation 31
4.1 Data Presentation Analysis 31
4.2 Testing OfHypothesis 42
CHAPTER.FIVE
5.0 Summary of findings, recommendations, conclusions. · 5.1 Summary Of Findings
5.2 Recommendations 50 5.3 Conclusion 52
References 53
Appendix 55
ONYIRIMBA, M (2020). EVALUATION OF THE PROBLEMS AND PROSPECTS OF LOAN RECOVERY IN NIGERIA COMMERCIAL BANKS (A STUDY OF FIRST BANK OF NIGERIA PLC). Repository.mouau.edu.ng: Retrieved Nov 21, 2024, from https://repository.mouau.edu.ng/work/view/evaluation-of-the-problems-and-prospects-of-loan-recovery-in-nigeria-commercial-banks-a-study-of-first-bank-of-nigeria-plc
MOUAU/B.SC/07/08/848, ONYIRIMBA. "EVALUATION OF THE PROBLEMS AND PROSPECTS OF LOAN RECOVERY IN NIGERIA COMMERCIAL BANKS (A STUDY OF FIRST BANK OF NIGERIA PLC)" Repository.mouau.edu.ng. Repository.mouau.edu.ng, 25 Mar. 2020, https://repository.mouau.edu.ng/work/view/evaluation-of-the-problems-and-prospects-of-loan-recovery-in-nigeria-commercial-banks-a-study-of-first-bank-of-nigeria-plc. Accessed 21 Nov. 2024.
MOUAU/B.SC/07/08/848, ONYIRIMBA. "EVALUATION OF THE PROBLEMS AND PROSPECTS OF LOAN RECOVERY IN NIGERIA COMMERCIAL BANKS (A STUDY OF FIRST BANK OF NIGERIA PLC)". Repository.mouau.edu.ng, Repository.mouau.edu.ng, 25 Mar. 2020. Web. 21 Nov. 2024. < https://repository.mouau.edu.ng/work/view/evaluation-of-the-problems-and-prospects-of-loan-recovery-in-nigeria-commercial-banks-a-study-of-first-bank-of-nigeria-plc >.
MOUAU/B.SC/07/08/848, ONYIRIMBA. "EVALUATION OF THE PROBLEMS AND PROSPECTS OF LOAN RECOVERY IN NIGERIA COMMERCIAL BANKS (A STUDY OF FIRST BANK OF NIGERIA PLC)" Repository.mouau.edu.ng (2020). Accessed 21 Nov. 2024. https://repository.mouau.edu.ng/work/view/evaluation-of-the-problems-and-prospects-of-loan-recovery-in-nigeria-commercial-banks-a-study-of-first-bank-of-nigeria-plc