The growing case of classified debts and the increasing trend in the yearly provisions for bad and doubtful debts in commercial banks suggest that there may be errors in the administration of credit by the commercial banks in Nigeria. With this background, the leading policies of the credit management in a typical commercial bank the Union bank of Nigeria PLC was appraised with a view to ascertaining the causes and consequences of bad debts as well as to find ways and means of reducing the incidence therefore. The researcher thought test techniques intended to ascertain which find diversion has any effect on bad debts of Union Bank, to determine to extend to which government intervention in unding policies of Commercial banks has influence bad debt in Union Bank and to determine the extend to which government intervention in lending policies of commercial banks has influenced bad debt in Union bank and to determine the extend to which improper project evaluation influences bad debts of Union bank.
A questionnaire was used to collect data and together with information obtained from oral interview and desk research as well as documented and analysed by the use of Chi-square statistical test techniques. Three hypothesis were tested on effect of fund diversion, government intervention in lending policies and the extent to which improper project evaluation influenced bad debt of Union bank.
Relevant variable were determined and the effectives of bank loan management were measured using statistical indices and ratios.
Evidence from the reglanch shows to the acceptance that fund diversion affect bad debt in Union Bank, government intervention has direct influence on Union Banks bad debt and that improper project evaluation has significant influence and bad debt of Union bank.
On these basis, the researcher made her recommendations and concluded that banks should lent to viable projects and ensure that it is backed by adequate collateral.
It is suggested that future research in this area should examine on community banks, foreign banks and government owed bank like federal mortgage bank of Nigeria.
Title page
Approval page
Dedication
Abstract
Acknowledgment
Chapter One
INTRODUCTION
1.1 Background of the study
1.2 Statement of the problem
1.3 Objective of the study
1.4 Research questions
1.5 Research Hypothesis
1.6 Significance of the study
1.7 Scope and Limitation of the study
1.8 Definition of terms
Chapter Two
REVIEW OF RELATED LITERATURE
2.1 Theoretical Review
2.2 Empirical Review
Chapter Three
RESEARCH DESIGN AND METHODOLOGY
3.1 Research Design
3.2 Research Methodology
3.3 Sources of Data
3.4 Method of data presentation.
Evaluation Of Credit Management And The Incident Of Bad Debt In Commercial Bank. (n.d.). UniTopics. https://www.unitopics.com/project/material/evaluation-of-credit-management-and-the-incident-of-bad-debt-in-commercial-bank/
“Evaluation Of Credit Management And The Incident Of Bad Debt In Commercial Bank.” UniTopics, https://www.unitopics.com/project/material/evaluation-of-credit-management-and-the-incident-of-bad-debt-in-commercial-bank/. Accessed 22 November 2024.
“Evaluation Of Credit Management And The Incident Of Bad Debt In Commercial Bank.” UniTopics, Accessed November 22, 2024. https://www.unitopics.com/project/material/evaluation-of-credit-management-and-the-incident-of-bad-debt-in-commercial-bank/
Here’s a typical structure for Evaluation Of Credit Management And The Incident Of Bad Debt In Commercial Bank research projects:
- The title page of Evaluation Of Credit Management And The Incident Of Bad Debt In Commercial Bank should include the project title, your name, institution, and date.
- The abstract of Evaluation Of Credit Management And The Incident Of Bad Debt In Commercial Bank should be a summary of around 150-250 words and should highlight the main objectives, methods, results, and conclusions.
- The introduction of Evaluation Of Credit Management And The Incident Of Bad Debt In Commercial Bank should provide the background information, outline the research problem, and state the objectives and significance of the study.
- Review existing research related to Evaluation Of Credit Management And The Incident Of Bad Debt In Commercial Bank, identifying gaps the study aims to fill.
- The methodology section of Evaluation Of Credit Management And The Incident Of Bad Debt In Commercial Bank should describe the research design, data collection methods, and analytical techniques used.
- Present the findings of the Evaluation Of Credit Management And The Incident Of Bad Debt In Commercial Bank research study using tables, charts, and graphs to illustrate key points.
- Interpret Evaluation Of Credit Management And The Incident Of Bad Debt In Commercial Bank results, discussing their implications, limitations, and potential areas for future research.
- Summarize the main findings of the Evaluation Of Credit Management And The Incident Of Bad Debt In Commercial Bank study and restate its significance.
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