BANK LENDING AND THE EFFECT OF NON-PERFORMING CREDIT ON THE NIGERIAN ECONOMY CASE STUDY OF FIIRST BANK OF NIGERIA PLC

ABSTRACT

This study examined Bank lending and the effect of nonperforming credits in the Nigerian economy A case study of First bank of Nigeria Plc, Effurun, Delta state. The findings revealed some of the major causes of nonperforming credits bad debt existing in the Nigeria banking sector today. The researcher also showed how these bad debts could be identified and how they could arise in the course of the lending business. The measures to combat nonperforming credit were not left out in the research work. As regards the methodology used in this study, the simple percentage statistics was used in analyzing responses from questionnaires which was administered to bank staff of First Bank of Nigeria Plc. Finally a recommendation was given by the researcher on how to prevent bad debt to a more bearable level.

TABLE OF CONTENT

Title page

Approval page

Certification page

Dedication

Acknowledgment

Abstract

Table of content

CHAPTER ONE

Introduction

Background of the study

Statement of the problem

Objective of the study

Research question

Research hypothesis

Scope of the study

Significance of the study

Limitations of the study

Definition of terms

CHAPTER TWO

2.1 Review of related literature

2.2 Principles of lending

2.3 Approaches of analyzing loans

2.4 Machinery for loan Administration

2.5 Organization structure for managing the lending portfolio

2.6 Classification of bank lending

2.7 Guidelines for lending decision

2.8 Steps in the lending process

2.9 Bad debt Nonperforming credits

CHAPTER THREE

3.0 Research methodology and design

3.1 Research method

3.2 Research population

3.4 Sample and sampling technique

3.5 Measuring Instrument

3.6 Method of data collection

CHAPTER FOUR

4.0 Data Presentation and Analysis

4.1 Presentation of Data and Analysis

4.2 Test of Hypothesis

CHAPTER FIVE

5.0 Summary, conclusion and Recommendation

5.1 Summary

5.2 Conclusion

5.3 Recommendations

BIBLIOGRAPHY

Apendix

Questionniare

Bibliography