ABSTRACT A borrower's savings capacity and collateral are associated with the amount of loan to be granted by afinancial institution. Most often, when a debt is created, it becomes difficult to recover due to poormanagement by the lender as well as loan diversion by the borrower consequent to inability to payback. Hence, this study investigated the challenges of debt management in First Bank of Nigeria Plc. IkotEkpene. Questionnair...
