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Emperical Analysis Of Credit Management And The Incident Of Bad Debt In Nigeria Deposit Bank
[A CASE STUDY OF UNION BANK OF NIGERIA]
CHAPTER ONE -- [Total Page(s) 2]
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1.5 THE SCOPE OF THE STUDY
In the study of credit management in Nigeria, union bank of Nigeria plc was used for my analysis. All reference therefore relate to union bank of Nigeria plc. A six year period covering 1988-1993 will be studied.
1. THE LIMITATION OF THE STUDY
The limitations of this study include some of unable constraints problems encountered in the process. They are as follows.
i. Finance the problem of finance was adopt left out in the course of research to this study. This type of study required adequate money and time to enable the researcher visit the necessary places for collection of data. Insufficient fund hindered an in depth study of this reach since it ideas financed from meager pocket money of the researcher.
ii. Non – availability of records: this is one of the most important limiting factors in the course of the study. This include the problems of easily getting the appropriate data due to bureaucracy which hinders the information flow in the country.
iii. Non challant attitude of bank official: the reluctance of bank official to reveal information on the Neal for this study for fear of breach of duty of secrecy to customer’s exposure of banks administrative short. Comings.
iv. Ignorance of respondent/ borrowers: most bank customer were semi illiterate and most often it was very difficult to collect adequate required from them.
v. Time: since the study is one of the many courses offered by the researcher. The researcher was constrained by time to carry out an indent research on the study
1.6 DEFINITIONS OF TERMS
Debt: this is what one owner to another person
Loan: a loan is a credit arrangement; a security is pledged and must be repaid with interest over a stipulated period of time.
Overdraft: this is a credit arrangement by banks to their customer to withdraw money over and above that what he has in the account.
Default: this means failure to pay one’s debt for credit extended which has fallen due.
1.7 PLAN OF THE STUDY
The purpose of this study is to identify the empirical analysis of credit management and the incident of bad debt in Nigeria money deposit bank chapter one, background of the study, statement of the research problem, objective of the study,
Significance of the study, the scope of the study, definition of terms. Chapter two, literature review, chapter three, research methodology, sources of data, population of the study, sample size determination, instrument for data collection, chapter four.
Data presentation and analysis, data presentation and survey of findings, chapter false, summary conclusion and recommendations, summary, conclusion, recommendations
CHAPTER ONE -- [Total Page(s) 2]
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