An Evaluation of Credit Management and the Incident of Bad Debt in Nigeria Money Deposit Bank. (A Case Study of Union Bank Of Nigeria)

TABLE OF CONTENT

Title page                                                                                              i

Certification                                                                                           ii

Dedication                                                                                             iii

Acknowledgement                                                                                 iv

Table of content                                                                                     vi

CHAPTER ONE

1.1           Background of the study

1.2           Statement of the study

1.3           Research questions

1.4           object of the study

1.5           Research hypothesis

1.6           Significance of the study

1.7           Scope of the study

1.8           Definition of terms

1.9           Plan of the study

CHAPTER TWO

2.1     Theoretical frame work

2.2     Government control over credit

CHAPTER THREE

3.1     Source of data

3.2     Population of the study

3.3     Sample size determination

3.4     Method of data collection

3.5     Method of data analysis

3.6     Limitations of methodology

CHAPTER FOUR

Data presentation analysis and interpretation

CHAPTER FIVE

1.1           Summary

1.2           Conclusion

1.3           Recommendation

Reference

CHAPTER ONE

INTRODUCTION

1.1   BACKGROUND OF THE STUDY

In a modern economy, there is distinction between the surplus economic units and the deficit economic units and in consequence a separation of the savings investment mechanism. This has necessitated the existence of financial institution whose job includes the transfer of found from savers to investors. One of such institution is the money deposit banks, the intermediating roles of the money deposit bank place them in a position of trustees of the saving of the widely depressed surplus economy units as well as the determinant of the rate and shade of the economic development .the techniques employed by banker in the intermediary function should provide them with perfect knowledge of the out-come of lending such that funds will be allocated to investments in which the probability of full payment is certain. However, in practice no such tools can be found in the decision of the lending banker.  Virtually all lending decision are made under creditors on uncertainty associated with lending decision, situation are so great that the concept of risk and risk analysis needs to be employed by lending bankers in order to facilitate sound decision making and judgment. This statement implies that if risk are to be objective assessed, lending delicious by the money deposit bank should be base less on quantitative data and more on principle too subjective to proved sound and unbiased judgment. Furthermore the bank depends heavily on historical information as a basis for decision making.