Analysis Of Credit Management Techniques In The Commercial Banks
(A Case Study Of First Bank Oceanic And Diamond Bank Plc)
The major purpose of this study was to determine the analysis of credit management techniques in the Nigerian banking system. The population of the study consisted of staff from the three selected banks in Imo State; the sample for the study was 45 staff out of 60, which was drawn using simple random sampling. Two hypothesis were formulated which guided the study. A 19 item questionnaire was developed validated and tested for its reliability; chi-square was used to test the hypothesis at 0.05 level of significance. The major findings are Goodwill is the major factor that influence the banks Mode of advancing loans to customers, Poor credit analysis result to bad debts, Poor supervision of credit officers causes bad debts. The findings had led us to conclude that success in accessing credit mismanagement and the causes lies in the ability of the bank to fashion out workable credit management techniques and following it to the core, the implementation of these procedures.
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Title page
Approval page
Dedications
Acknowledgement
Abstract
Table of contents
CHAPTER ONE
1.0 Introduction
1.1 General overview of the subject matter 1
1.2 Statement of the problem 4
1.3 Purpose of the Study 5
1.4 Significance of the study 8
1.5 Statement of hypothesis 8
1.6 Scope of stuffy – 8
1.7 Limitation of study- 9
1.8 Definition of terms 10
CHAPTER TWO
Review of related literature
2.1 Background to credit Administration by commercial banks in Nigeria 11
2.2 Principle of good credit 14
2.3 Credit facilities available to bank customers 17
2.4 Classification of credit according to performance 21
2.5 Credit management techniques 25
2.6 Causes of poor quality credit 33
2.7 Credit considerations for different classes 35
CHAPTER THREE
3.0 Research methodology 43
3.1 methods of data collection 43
3.2 Data sources 43
3.3 Sampling plan 44
3.4 Tools used in analysis of research data 46
3.5 Features of the instruments used 47
3.6 Validity of response /reliability of data 48
CHAPTER FOUR
4.0 Presentation & Analysis of data 49
4.1 Presentation of data 50
4.2 Analysis of data 56
4.3 Hypothesis testing 62
4.4 Summary 69
CHAPTER FIVE
5.0 Summary, Conclusion and recommendation 71
5.1 Summary of findings 71
5.2 Conclusions 72
5.3 Recommendation 73
Bibliography 76
Appendix I 79
Appendix II
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