CREDIT MANAGEMENT IN THE BANKING INDUSTRY (A CASE STUDY OF DIAMOND BANK PLC OKPARA)
CRED MANAGEMENT, BANKING, INDUSTRY, CASE, STUDY, DIAMOND, BANK, PLC, OKPARA
Credit Management In The Banking Industry (a Case Study Of Diamond Bank Plc Okpara), Abstract
This Researcher Work Is An
Attempt To Investigation On The Credit Management In The Nigeria Banking
This researcher work is an
attempt to investigation on the Credit Management in the Nigeria Banking
Industry. It is a based on how customer of the Bank expect their bankers
to provide them with loans and advances to make up any short fall in their funds
requirement for transactional motive. Again the banks ability to strike a
balance between the customers need for and at the same time maintain profitable
operations, depends upon a large extent on the credit policy. And its
administration adopted by the bank. The study is divided in five
chapters, its focused on the problems associated with the loans and advances,
purpose of the study which is aimed at examine and actually finding out how the
banking industry in Nigeria has been fairing in credit management with a view
meeting the financial requirements and satisfaction of the various categories
of customer like the private and governments sections, definition of terms.
Objective of the study and researcher question were used in the research.
Also highlighted a brief introduction of literature review on the origin of
bank lending, models and or theories relevant to research questions on a number
of constraints in which the lending function has to be performed. The
current literatures based on the variable of the theories and models,
hypothesis and research questions based on the variable considered
lending. Summary of the literature review is also highlighted. The
method used in collecting data for the study and analyzing which include primary
and secondary data. The analysis of data gotten from the different
methods, which include questionnaire analysis and personal interview used
finding were also used. The researcher used finding which include poor
credit assessment counter order by supervisor staff on lending officers which
affect their decision and the collaboration of some banks staff with customer
to commit fraud on the bank also some recommendation and conclusion were made
in order for the bank to thrive better and this will be beneficial to both the
owner and the public suggestion for further research also made.
TABLE OF CONTENTS
CHAPTER 1: INTRODUCTION
Background of the Study
Purpose of the
Significance of the
CHAPTER 2: REVIEW OF RELATED
CHAPTER 3: RESEARCH METHODOLOGY
Design of the Study
Area of the
Population of the Study
Sample of the
Instrument for Data Collection
Validation of the
Distribution and Retrieval of Instrument
Method of Data Analysis
CHAPTER 4: DATA PRESENTATION AND ANALYSIS
Brief introduction of the Chapter
CHAPTER 5: DISCUSSION OF FINDINGS
CONCLUSIONS AND RECOMMENDATIONS
Limitations of the Study
Suggestions for Further Research
Financial institutions ensure
that there is enough stock of money to service the need aspiration of the
economy. They also perform economic function of the transferring money from
one area, surplus unit to deficit unit. Credit management is regarded as
a vital instrument in the management of the banking industry especially as it
affect the commercial system.
Background of the Study
Contemporary banks are conceptualized to service as a vehicle for mobilizing
resources from surplus unit and channeling some to the deficit units also of
government monetary policies in attaining economic advancement in service, the
banking sector in modern societies has become one in the economy.
Illegibly, the sector has services implication on the level and direction of
economic growth and by extension, on such sensitive issues as the rate of
inflection and employment both of which have impact directly on every one’s
life and welfare of the general populace. They were transformed
significantly over the years. The transmission is mainly manifested in
institution growth product development, packaging and regulatory frame work,
other development such as banking habits, banking density inadequate skill
manpower, poor management etc derived from the major development. In this
work, attention would be focused on this area of the one of the most neglected
appears to be management in most counties today (especially in the developing nations
of the world including Nigeria). It could these be solid that inherent
problem. As experienced by banking sector today can be limited to the
partial or total project of the principal of good lending by the officer of the
Impact of Government policy and customer attitude towards the entire spectrums
of credit factories.
Statement of the Problems
It has observed that banks have problems with respect to loan and
advances. It times the loans is erased.
There is therefore a need to look into the problems related to credit
management in financial institution. This is the crust of the problem.
Purpose of the Study
This study is aimed at examine and actually finding out how the banking
industry in Nigeria has been fairing in credit management with a view in meet
up the financial requirements and satisfaction of the various categories of
customers like the private and government sectors, other aim include.
identify the problem associated credit management in the banking industry.
find out the source of strength, with respect to credit management in the
reinforce their area of strength and offer solution to the problems
Significance of the Study
The significance of this work includes among others, the gains that occur to
the researcher the bank and invariable to their interested parties.
To the researcher a vase knowledge of effective credit management of bank is
gained. The study will enable the to know whether the existing credit
management system is in line with recommended credit policy laid down by
Central Bank of Nigeria and if necessary corrective measures will taken in
other to achieve greater efficiency in near future. The result from the
study the researcher fervently hopes would provide the policy makes and head
the organization most especially the boards of director of Diamond Bank Plc. A
background of information for proper credit management system in the bank.
long have you been working in the industry banking.
what capacity were you employed?
the principle of lending strictly followed?
your bank have adequate credit policy?
the policy been strictly followed?
the intimacy of the loan seeker to those authorizing loan has any influence on
their lending decision?
counter order from above tends to have influence on your lending decision.
customers have problems of inadequate collateral securities for loan required
there been any cases of customer diverting the borrowed fund different fro*m
what it was intended.
Scope of the Study
The study is carried out to look into credit management in banking industry
using Diamond Bank Plc Okpara Branch as case study.
Definition of Terms
Money: This can be defined as anything which is
generally or legally accepted as means of settling debt.
A transaction between two parties in which one (the creditor promise future
payment by the other debtors borrower) to sell or lend in the base of future
A bank facility is a credit service rendered by a bank.
An industry is a group of firm which produces a total amount of a particular
goods supplied to the market.
Collateral: This can pledge as a granted of
payment for an obligation or loan.
Management: This can be defined as the process of directing co-oordinating and
influencing the organization so as to obtain devised result and enhance total
Commercial Bank: They are financial institution, which accept deposit and
other variable from customers for safe keeping as well as granting short-term
loan to the customers.
TERMS AND CONDITIONS APPLY
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