THE IMPACT OF LOANS AND ADVANCES IN COMMUNITY BANKS A CASE STUDY OF EKULU COMMUNITY BANK ENUGU

ABSTRACT
    This study deals with impact of loans and Advances in community bank: A case study of Okulu community Bank Ebugu. To Quicken this study four research and four hypothesis were formulated. Based on the a structure questionnaire was built to clict the needed data from respondent mean and standard deviation were used in analyzing four research questions, while to test was used the further test the hypothesis.
    Major findings includes: That the lending requirement for small scale enterprises in community bank ensures quite recovering of credit, tat the bank principles of lending has helps in archiving lending objectives and that credit worthiness of a small scales Providences is an adequa6te measure to loan accessibility.
    Based on the above, major recommendation includes that loans and Advances department should have it as a duty ensures or to assist creditors in selection of project to ensure inability and that the should be constant monitoring through visitors to the project site and conduct regular meetings with the customer to avoid unprecedented problems etc.
TABLE OF CONTENTS
Title page                                         ii
Approval page                                    iii
Dedication                                         iv
Acknowledgement                                 v
Abstract                                        vi
Table of contents                                     vii
CHAPTER ONE
Introduction                                     1
1.1    Background of the study                            1
1.2    Statement of problem                            6
1.3    Purpose of the study                             6
1.4    Scope of the study                                 7
1.5    Research Question                             7
1.6    Hypothesis                                     8
1.7    Significance of the Study                         8
CHAPTER TWO
Review Related Literature                             11
2.1    Lending in the rural economy                         11
2.2    The basic principle of bank lending                    13
2.3    Appraisal of loan proposal                        16
2.4    Problems of bank credit                             23
2.5    Importance of bank lending                         25
2.6    Summary of related reviewed literature                 28
CHAPTER THREE    
Research Methodology                                 30
3.1    Research Design                                30
3.2    Areas of the study                                30
3.3    Population of the study                             31
3.4    Instrument for data Collection                         31
3.5    Validation of the instrument                         32
3.6    Method of data Collection                        32
3.7    Method of data Analysis                             32
CHAPTER FOUR
4.1    Data Presentation and Result                         34
4.2    Summary of results                             51
CHAPTER FIVE            
5.1    Discussion Results                             53
5.2    Conclusion                                     55
5.3    Implication of research finding                         56
5.4    Recommendations                                 57
5.5    Suggestions for Further Study                         58
5.6    Limitation of the Research                          59
References                                     60   
Appendix                                      62