Impact Of Interest Rate Deregulation On Commercial Banks’ Lending Operations
(A Survey Of Union Bank Of Nigeria Plc Enugu)
Interest rate was before 1st August, 1987, statutorily regulated by the Central Bank of Nigeria. But this out of the tune with the liberalization policy of the structural adjustment programmes of the Federal government.
This research is an attempt at performance appraisal of the leading operations of commercial banks in the face of the deregulation of interest rate which is in consonance with the Federal Government stand on the use of market forces of demand and supply in resources allocation and determination of price.
The major sources of data for this research are primary and secondary data. This research has five chapters, Tables and Graph. I will use research methodology. This is how my research work will look like.
1. chapter one is introduction, background of the study, statement of the problem, objectives, scope, significance and limitation of the study, Hypothesis etc.
2. chapter two, Review of related literature, financial repression hypothesis, financial repression in Nigeria, interest rate manipulation before deregulation etc.
3. chapter three, will be research design and methodology, population of commercial banks, Determination sample size, bank customers size etc.
4. chapter four is presentation and analysis of data, rate of return of questionnaires etc.
5. chapter five will be conclusion
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TITLE PAGE II
APPROVAL PAGE III
DEDICATION IV
ACKNOWLEDGEMENT V
PROPOSAL VIII
LIST OF TABLES
TABLE OF CONTENTS IX
CHAPTER ONE
1.0 INTRODUCTION 1
1.1 BACKGROUND OF THE STUDY 1
1.2 STATEMENT OF THE PROBLEM 3
1.3 OBJECTIVES OF THE STUDY 6
1.4 SIGNIFICANCE OF THE STUDY 7
1.5 SCOPE OF STUDY 8
1.6 LIMITATION OF THE STUDY 8
1.7 HYPOTHESIS 10
1.8 RESEARCH QUESTIONS 12
1.9 DEFINITION OF TERMS 12
NOTES. 15
CHAPTER TWO
2.0 REVIEW OF RELATED LITERATURE
2.1 FINANCIAL REPRESSION HYPOTHESIS 16
2.2 FINANCIAL REPRESSION IN NIGERIA 26
2.3 RELATIONSHIP BETWEEN INTEREST RATE AND SAVINGS 34
2.4 INTEREST RATE MANIPULATION BEFORE DEREGULATION 38
2.5 COMMERCIAL BANK AND FINANCIAL INTERMEDIATION. 40
2.6 PRINCIPLES OF GOOD LENDING 40
2.7 EFFECTIVE LENDING 44
2.8 THE IMPACT OF INTEREST RATE SPECULATION ON UNION BANK OF NIG. PLC .45
NOTES 47
CHAPTER THREE
3.0 RESEARCH DESIGN AND METHODOLOGY
3.1 POPULATION OF COMMERCIAL BANKS 53
3.2 DETERMINATION OF SAMPLE SIZE 54
3.3 DETERMINATION OF CUSTOMERS SAMPLE SIZE 55
3.3.1 DETERMINATION OF BANK CUSTOMERS SIZE 60
CHAPTER FOUR
4.0 PRESENTATION AND ANALYSIS OF DATA 68
4.1 RATE OF RETURN OF QUESTIONNAIRES 68
4.2 ANALYSIS OF LOAN AND ADVANCES OF UNION BANK OF NIGERIA PLC ENUGU 69
4.3 TOTAL DEPOSIT LIABILITIES OF UNION BANK OF NIGERIA PLC ENUGU 70
4.5 ANALYSIS OF QUESTIONNAIRE TO CUSTOMER 79
CHAPTER FIVE
5.0 FINDINGS, RECOMMENDATION AND CONCLUSION
5.1 SUMMARY OF FINDINGS 94
5.2 RECOMMENDATION TO: 98
(i) CENTRAL BANK 99
(ii) COMMERCIAL BANK 99
(iii) CUSTOMERS 101
BIBLIOGRAPHY 102
APPENDIX
(I) COVERING LETTER TO THE QUESTIONNAIRE 106
(II) QUESTIONNAIRE
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