Nigeria as a nation is characterized by a developing economy due to the fact that the various sectors responsible for economic development are not optimally utilized as a result of which we have not being able to tap fully the natural resources that Nigeria is blessed with as it could increase our national earnings leading to an increase in per capita income instead. We have a reverse situation where there is low per capital income. Low standard of living increase in the level of insecurity e...

Abstract: This study is on an appraisal of the impact of the liquidity problem on selected commercial banks in Nigeria. The total population for the study is 200 staff of first bank, Enugu state. The researcher used questionnaires as the instrument for the data collection. Descriptive Survey research design was adopted for this study. A total of 133 respondents made up accountants, human resource managers, customer care officers and marketers were used for the study. The data...

BACKGROUND TO THE STUDY: It is know fact that banks help to accelerate the growth and development of a developed and developing economy. Consequently, finance becomes an important ingredient in the economic development of a nation and communities alike. Thus, the relevance of microfinance banks (formerly known as community bank) in promoting economic, programmes has become very basic and appreciated. In fact, the banks have the ability to mobilize funds in re...

ABSTRACT: This research work in failed banker is with a view to examine its impact one the Nigerian economy.  The statement of problem in this research work aimed at finding if there are reductions in the flow of inventible resources that could be channeled to the productive sector of the economy. Chapter three showed how the researcher made a random selection of 100 respondents from 3 selected banks arrived at a sample size of 50 which implies that 50 q...

Abstract: This study is focused on the impact of effective credit management on the profitability of commercial banks. The study is divided into five chapters. Chapter one deals with introduction, general over view of the study, statement of problems, objectives of the study, limitation and definitions of the terms. Chapter two consists of general introduction of research topic and of literature review. Chapter three deals with research methodology, research design, and sourc...

Abstract : This study is focused on the identification of critical factors that cause poverty in Nigeria and the investigation of the extent to which microfinance institutions have helped in the alleviation of poverty. To identify the critical factors, the researcher adapts the data on reasons for poverty generated by National Bureau of Statistics and employed the method of factor analysis. For the purpose of investigating the contribution made by the microfinance institution...

ABSTRACT: This study was carried out to examine a study into the acceptance and adoption of the CBN cashless policy using Port Harcourt as a case study. Specifically, the study was aimed at ascertaining the level of acceptability and adoption of the CBN cashless policy in Port Harcourt. The study employed the survey descriptive research design. A total of 300 responses were validated from the survey. From the responses obtained and analysed, The findings revealed th...

ABSTRACT: Research concerns “Bank failure” causes and consequences” Bank failure in our banking industry has become a peculiar household word in this country, which cannot be overemphasized. It is a re-current issue, which caused to captivate many individuals and banks, which has caused untold hardship to collective individuals, individual, stakeholders. This ugly scene has paved way for losses of staggering sum of money and...

Abstract: This study is on banking failures in Nigeria: causes, implications and remedies. The total population for the study is 200 staff of standard trust bank, Enugu. The researcher used questionnaires as the instrument for the data collection. Descriptive Survey research design was adopted for this study. A total of 133 respondents made national production human resource managers, accountants, customer care officers and junior officers were used for the study. The data co...

Background to the Study: Financial scandals and misappropriation around the world and the recent collapse of large corporate organization in the USA and Europe have brought to the fore, again, the need for the practice of sound corporate governance, which is the system by which the affairs of companies are directed and controlled with the aim of increasing shareholders value and meeting the expectation of other stakeholders. The case of Enron in the U.S and m...

ABSTRACT: The purpose of the study is to investigate the effects of electronic banking on organizational performance at case study of Dangote cement plc. The study will be of great significance as it will help financial institution to know more challenges affecting E- banking Skills and take corrective measures to improve the business. The study used a case study research design, where the targeted population will be 88 respondents. Stratified sampling research method was use...

BACKGROUND OF THE STUDY: The banking system in Nigeria has undergone radical changes during the  35 years since independence . Banking developed from an industry which in 1960. was dominated by a small number of foreign owned banks into, one in which public sector ownership predominated in 1970s and 1980s and in which Nigeria private investors have played an increasingly important role since the mid 1989’s  government polices had a major influence on developme...

ABSTRACT: This research work investigated the effects of micro-financing on Micro and Small Enterprises (MSEs) in South-west Nigeria. The study examined how micro-finance and non-financial micro-financing activities and features such as group membership, pre-loan training, cross guaranteeship, loan size, technical and managerial training, among others, impact on the survival, growth, productivity and performance of Micro and Small Enterprises in Southwest Nigeria. The hypothe...

BACKGROUND OF THE STUDY: Financial institutions have been early adopters of smart card and credit cards technology, in the system and more recently, the launching of internet banking have transformed the world into a global village linked with electronic impulses. The idea or when the Apex Bank of Nigeria (Central Bank of Nigeria) gave the approval to all states. Trust Bank Limited to issue a financial product known as the ESCA an electronic purse to the publ...

BACKGROUND OF THE STUDY: The history of micro financing can be traced back as long to the middle of the 1800s when the theorist by sander spooner was writing over the benefits from small credits to entrepreneurs and farmers as a way getting the people out of poverty. But it was at the end of world war II with Marshall plan the concept had an big impact. The today use of the expression micro financing has it roots in the 1970s when organizations, such as...

ABSTRACT: The relevance of real estate to our economics and social development cannot be over-emphasized not at least in the housing sector, which has a critical impact on Individual and National Welfare. Firstly finance plays a key role in the housing development project and process and this provides the most important element that is been taken into consideration. The objective of this study is to find a suitable source of finance for housing development proj...

Background to the Study: The relevance of banks in the economy of any nation cannot be overemphasized. They are the cornerstones of the economy of a country. Banks play the important role of promoting economic growth and development through the process of financial intermediation; in this process, banks facilitate capital formation and lubricate the production process. This intermediation is important because in the absence of banks,...

Background of the study: Credit management in our banking sector today has taken a different dimension from what it used to be. The banking industry has adopted a lot of strategies in checking credit management in order to stay in business. Thu the banking industry in Nigeria has lost large amount of money as a result of the turning source of credit exposure and taken interest rate position. Nigerian banks are being required in the market because of their competence to provid...

Background of the study: The rapid changes in business operations in contemporary times in the form of technological improvement require banks in Nigeria to serve their customers electronically. Traditionally, banks have been in the forefront of harnessing technology to improve their products and services. The banking industry and its environment in the 21st century is highly complex and competitive and therefore the need for information and communication technology to take c...

Abstract: Several investment decisions are made by organizations and firms without due analyses and end up causing such organizations or firms investment not to return its due benefits or rewards to the investor(s). To this end, the study is on the impact of financial constraints on firms investment decision making in Nigeria was carried out. Data were collected from one hundred and fifty (150) respondents being our sampling size to whom questionnaire were di...

ABSTRACT: This study examines the impact of frauds and forgeries on the banking industry in Nigeria. One of the major characteristics a bank must possess is that its customers must be able to have unflinching and undoubted confidence in the banking the banking system, but due to the act of fraud and forgeries, this confidence has been reduced to the barest level, this does not affect the banking sector alone, but the long-term effect in on economy as goo...

Background of the study: As a result of Increasing School Leavers Unemployment in the 1970s the Nigerian Government introduced the new National Policy on Education in 1981. A major provision of the policy was the Introduction of the training of Banking and Finance Studies of Junior Secondary School (JSS) Level with emphasis on total acquisition of practical skills valve and knowledge that would enable Individuals live meaningfully in the society.
One of the reason for...

Abstract: The banking industry of the 21st century operates in a complex and competitive environment characterized by ever-changing economic and financial environment with information and communication technology (ICT) at the center of this change. As Information Technology is vital in banking operations today, it becomes imperative for banks to realize its impact on operational performance in order to justify capital investments. The objective of this work was to examine how...

Background of the Study: Operators in the banking system argue that the pegging lending rate at the present level by the Central Bank of Nigeria (CBN) is not realistic as it is not market determined especially urban considered against the cost of deposits (term deposits and saving account) as the rate of inflation, financial and business risks.

However, it is argued that the Central Bank of Nigeria (C.B.N) sometimes reacts to the face of persistence of excess bank r...

ABSTRACT: This study focused on examining the effects of quantitative policy instruments on the deposit performance of commercial banks in Nigeria, namely First Bank of Nigeria Plc and First Inland Bank Plc. In order to guide the trajectory of the economy, government authorities utilise several economic policies, including monetary policy. Banks serve as the intermediary institutions through which the government executes monetary policy,...

BACKGROUND OF THE STUDY: The financial system of any financial company provide the catalyst through financial intermediation for productive activities to ensure economic growth and development Olowo (2008).

The Nigerian financial sector is undoubtedly the most important in the political economic system because it provides the necessary lubricant that keeps the wheel of the economy turning and it is an engine for economic growth. The sector provides fund for investme...

Background of the study: The significance of internal control in Nigerian banks cannot be overstated. It is now considered a crucial aspect of organisational strength. This is primarily because a well-functioning control system is essential for maintaining an efficient accounting system. The importance of internal control systems in organisations, particularly banks, cannot be underestimated. This is because the banking sector plays a critical role in the economic develo...

Background of the study: The whole concept of banking is built upon confidence in the liquidity of the bank. Liquidity management is critical in the banking operations. Customers place their deposits with a bank, confident that they can withdraw the deposit when they wish. If the ability of the bank to pay out on demand is questioned, all its business may be lost overnight. Generally speaking, liquidity refers broadly to the ability to trade instruments quick...

ABSTRACT: This study was carried out to examine loan syndication: a source of business financing in Nigeria with special reference to GTBank and Access Bank. Specifically, the study aims to  examine the general terms of the various issue involved in Loan syndication,  find out whether Loan syndication is really a new approach to or another Loan syndication can help in industrial development of the country and  examine the extent of penetra...

ABSTRACT: This study was carried out to examine the measures necessary to minimize the high incidence of bad debts in Nigeria commercial banks with a special reference to Guarantee Trust Bank, Abuja. Specifically, the study examine  the causes of bad and doubtful debts in Nigeria Commercial Bank and  find out  the effects of bad and doubtful debts in banks profitability,and the economy. The study employed the survey descriptive resear...

Background of the study: A financial institution is an organized body concerned with the management of money.  This is to say that the institution is responsible for the leading and borrowing of money in other words, it is an institution involved in financial intermediation where money is mobilized and channeled from the public sailing (those who have surplus funds want to save to those who want to invest in productive activities.  Some of the institution in Nigeria...

ABSTRACT: This study is aimed at ascertaining the impact of internet banking services expenditure on the profitability of commercial banks in Nigeria; with the focus on Diamond Bank Plc. Internet technology holds the potential to fundamentally change banks and the banking industry. Its objective is to examine the relationship between mobile banking service expenditure and the profitability of Diamond bank plc.It helps to know whether or not there is a significant relationship...

Abstract: The purpose of the study was to identify challenges facing New banks in Nigeria. A descriptive survey design was applied to a population of 48 banks operating in Nigeria. The target population composed of the management staff currently employed at the head offices of the various New banks in Nigeria. The population was composed of Senior, Middle and Junior or Entry level Management staff. The study concludes that the b...

​​​​​​Background of the study: Firms are facing turbulent operating environments characterized by changing technologies and markets that represent both problems and opportunities. Technology has catalyzed this change and innovation is increasingly becoming the norm to keep pace with the ever changing needs of the customers. This has led to cut throat competition amongst business players; small, medium sized or large, each is striving to gain and maintain market leadership. Wi...

ABSTRACT: The resultant impact of financial liberalization opened up the Nigerian economy to global financial markets, which has generated increasing apprehension in the economy and has exposed the fragility and vulnerability of her financial system. It is therefore imperative for the Central Bank of Nigeria to introduce measures that will reduce the exposure and enhance the stability of small business operators in Lagos State and the nation’s financial system. A defens...

ABSTRACT: This research is on the impact of bank credit in the Nigeria economy, A case study of first bank plc and Zenith bank plc Ekwulobia. Objectives of the study includes: to determine the extent to which the various banks credits has been felt in the Nigeria economy, t access the level of knowledge of the various credits facilities provided by the banks in the Nigeria economy, to determine the response of the various business existing in the various sector the econo...

​​​​​​BACKGROUND OF THE STUDY: The growth of economy and development of banking have often appeared inseparable until l7 century, there had existed on modern banking institution anywhere, and there had on modern developed economy. Before 1892, Nigeria was evidently underdeveloped economically, even in 1975, however, despite the growth in the number of banks Nigeria is still developing it is true that the number of bank should not be the only or even the major aspect of b...

ABSTRACT: This study review the corporate finance services as obtained in the Nigeria banking business. The major corporate finance discussed ranges from the capital market services, under which management of capital equity issue, marketing, packaging, advisory services were discussed. Add to other corporate finance services such as loan syndication, venture capital, merger and acquisition were discussed. The global perspective was used to measure the extent...

Background of the study: The ideal of micro-finance banking become necessary due to the inability of the conventional banking schemes to mobilize the dormant funds in rural area and channel them into needy factor. Besides, small business and the rural farmers needed to inculcate banking culture. Their idle funds needed to be mobilized for onward lending to the productive sector hence the need for micro – finance banks arose.

Much effort have been made in the p...

Abstract: An efficient financial system is essential for building a sustained economic growth and an open vibrant economic system. Countries with well developed financial institutions tend to grow faster; especially the size of the banking system and the liquidity of the stock markets tend to have strong positive impact on economic growth. This study examines the role of banks in the Nigeria economy. It seeks to know the impacts of the sector in the Nigerian economy and wheth...

BACKGROUND TO PROBLEM: The various development plans implemented in Nigeria have prioritised the achievement of self-reliance.  The rationale behind the establishment of this national objective stems from the considerable expectations placed upon citizens in terms of generating employment possibilities, fostering self-reliance in the domains of basic food and material production, achieving high per capita income, generating foreign exchange earnings, and facilitating the...

BACKGROUND OF THE STUDY: The importance of the financial sector of an economy, which comprises banks and non­bank financial intermediaries, the regulatory framework and the ever increasing financial products, in stimulating economic growth is widely recognized in the literature on development economic. Schumpter (1934) in his seminal publication on the theory of economic development set the pace for the avalanche of other works on the interdependent relationship betw...

ABSTRACT: This study was carried out to evaluate the role of computer in promoting the efficiency in nigeria commercial banks using First Bank, Enugu State  as case study. Specifically, the study aims to  find if computer have any effect in promoting efficiency in the Nigeria commercial banks especially First Bank Plc Enugu,  know if computer     has any significant influence on the time spent by customers in banki...

Background: I have developed a significant interest in this subject due to the observation that the guiding principles of prudence and honesty within the financial industry have, to a considerable degree, not been upheld. In the contemporary banking industry, instances of fraudulent activities perpetrated by both employees and clients have become increasingly prevalent. These deceptive practises ultimately result in financial difficulty for the banks involved. Nowhere is frau...

Background of the study: In a development economy, where it is believed that adequate financial resources are a pre-requisite for industrial transformation, the importance of capital as a necessary though not sufficient condition for economic growth is recognized. However, this does not negate the fact that capital is a necessary condition for economic growth. Experiences in various nations, most notably Japan, India, and Germany, have proven that banks, if properly developed...

ABSTRACT: The study was undertaken in statistical analysis of the role micro-finances bank in agricultural development with the aim of establishing the role of micro-finance banks. Loans to peasant farmers in conjunction with the crop production. Using ordinary least square method, data collected were secondary data and the durbin-watson t-statistics were used in the regression analysis. The study shows ...

ABSTRACT: This study was carried out to examine a study into the acceptance and adoption of the CBN cashless policy using Port Harcourt as a case study. Specifically, the study was aimed at ascertaining the level of acceptability and adoption of the CBN cashless policy in Port Harcourt. The study employed the survey descriptive research design. A total of 300 responses were validated from the survey...

Background of the study: In a banking environment that is becoming increasingly competitive, which is characterized by frequent changes in the regulatory environment, high cost of operations, dim misting spreads on profit from business as a result of sharp practices and the restriction imposed by unstable political and economic climates, dim misting spreads on profit from business as a result of sharp practices and the restriction imposed by unstable political and economic cl...

ABSTRACT: The utilisation of automated teller machines (ATMs) has experienced significant growth in popularity due to their cost-effectiveness in bank transactions and the convenience they offer to customers. As a result, ATMs have become an essential component of contemporary financial service provision. Nevertheless, the automated teller machine (ATM), originally designed to enhance customer service, has unfortunately transformed into a source of distress f...

ABSTRACT: This study aimed to evaluate the impact of automated teller machine (ATM) utilisation on customer satisfaction inside Access Bank Nigeria Plc, located in Kaduna. The present study aimed to assess the impact of Automated Teller Machines (ATMs) on customer satisfaction within Access Bank. It sought to examine the various benefits that customers derive from utilising ATMs in Access Bank, as well as identify the challenges that hinder the efficient operation of ATMs in...

ABSTRACT: Banks offer many vital services but must be seen to do so, by delivering efficient customer service. Service marketing is regarded as the pivotal force behind strategic planning and business operations, and, hence, as an intrinsic component of service organizational efforts. This research project is thus a search part for physical evidence and marketing effectiveness of banks in Port Harcourt and the price and process of marketing effectiveness...

Abstract: The research study is directed towards a monetary policy and its impact on banking achievement in Nigeria. The research investigates the effectiveness of monetary policy on the bank's profitability by using first bank of Nigeria: as a case study.  The structure of commercial bank's general policies and principles. The research composition was based on secondary data. The data collected from various sources was statistically analyzed wit...

Background Of The Study: Before the emergence of modern banking system, banking operation was manually done which lead to a slowdown in settlement of transactions. This manual system involves posting transactions from one ledger to another which human handles. Figures or counting of money which should be done through computers or electronic machine were computed and counted manually which were not 100% accurate thereby resulting to human errors. Most bank the...

Background of the Study: Communication is acknowledged all over the world as the most distinctive factor for human interaction. Over the years it has become needful for organization to relate with customers. Hitherto internet era in the world, customers largely selected their banks based on how convenient locale of the branch was to their homes or offices with the advent of new technologies in the business of banking, such as internet banking, mobile banking...

BACKGROUND OF THE STUDY: Marketing concept is a customer oriented philosophy which states that customer’s satisfaction is the economic and social justification of firm’s corporate existence. These philosophies hold that the company should be customer oriented. Strive for profitability. Sales volume and coordinate all its marketing activities. Marketing management however is the vehicle that business uses to capture the marketing concept. Kurt...

ABSTRACT: The main  objective of this study is focused on an appraisal and challenges of internet banking system in Nigeria banking environment using Access Bank PLC, Federal Capital Territory, Abuja as case study.. The study will further investigate whether challenges associated to internet banking discourages customers usage in Nigeria banking environment. This research is reported in five distinct yet interrelated chapters. In the chapter one we...

ABSTRACT: The study's overall objective is to present an appraisal of the effectiveness of rural banking programme using Lagos State as case study.The research adopted the survey descriptive design and with the aid of convenience sampling method, the researcher conveniently selected eighty (80) participant who are resident and rural bank staff as the respondent of the study. Self- structure questionnaire was issued to the responde...

ABSTRACT: The economic policies or interpretation of such policies has always left a key question unanswered, how much authorities do such policies allow the banks to use their powers to lend, to made remarkable impact in the overall economic situation in the country.

Like in banks in most developing economic (Nigeria inclusive) the role of providing advice and issuing financial directives lies in the ministry of finance, the Nigeria deposit insuran...

Background Of The Study: Despite the vital role communication plays in the day-to-day running of an organization there are still numerous cases of ineffective communication in many organization. The causes of communication problems in the organization could be attributed to the following factors of variables. When the management of an organisation are friendly and have a good working report, communication tends to be effective but as soon as members of t...

BACKGROUND OF THE STUDY: Fraud is a `cankerworm’ that has eaten deep into the nation’s fabrics. It is visible in all the sectors of the economy. In the financial sector, fraud is an `offshoot’ of financial crimes which covers offenses, which are securities, related and involves the movement, transfer or use of monetary instruments in circumstances, which render such acts unlawful. The above definition can be extended to include any dish...

Statement of  Problem: It has been observed that banks have failed in instituting an effective and efficient credit policy in meeting customers demand for credit facility and this has resulted in reduction of customers seeking credit facility.

Many business have gone down the drain due to lack of fund collateral security which otherwise would have been averted. And as a result of this problem, the following questions becomes an issue to tackle,...

ABSTRACT: Just as every sector of the economy is eager to improve her condition through various research work, it is high time for the banking sector to gear up along with others by searching deep into the effect of banking inspection on enforcing banking regulations. This idea has been conceived in for a long time through my over 3 years of experience in carrying out internal control and inspection function with the banking industry. The study suggests a forward steps toward...

Background of the study: In a banking environment that is becoming increasingly competitive, which is characterized by frequent changes in the regulatory environment, high cost of operations, dim misting spreads on profit from business as a result of sharp practices and the restriction imposed by unstable political and economic climates, dim misting spreads on profit from business as a result of sharp practices and the restriction imposed by unstable political and economic cl...

Background of the study: In a banking environment that is becoming increasingly competitive, which is characterized by frequent changes in the regulatory environment, high cost of operations, dim misting spreads on profit from business as a result of sharp practices and the restriction imposed by unstable political and economic climates, dim misting spreads on profit from business as a result of sharp practices and the restriction imposed by unstable political and economic cl...

ABSTRACT: This study was carried out to examine budgetary control as an effective tool for planning and control in the banking industry using guarantee trust bank (GTB) as a case study. Specifically, the study  determine whether budgets are set and pursued in banking industries. The study also, investigate the management control practice in terms of budgets being tool for management control. The study further,  identify the reasons wh...

Background of the Study: Firstly, the study of Business combination and financial performance of banks in Nigeria banking industry is introduce as the main thing which business  merger and acquisition rely on a skill or knowledge brought together by the merger to accomplish business. However, Business are beginning to tell the full impact of the recession. To bring out development in companies joining together of merger and acquisition of the study....

Background Of The Study: The introduction of electronic banking, online transactions and mobile banking in Nigeria has paved way for a new era of development where the use and demand for physical cash is gradually declining. These recent evolution of technology in the Nigerian financial institutions posses interesting questions for economist, financial institutions, business analyst and the government regarding the current economical status, logistics, and av...

ABSTRACT: In this study, the research set out to examine the roles of the electronic Computers in fraud detection in banks. 51 staff of UBA plc is randomly selected as the study sample for the research. These 51 staff was issued with 51 copies of structured questionnaires to complete their responses to the questionnaire were analyzed using percentage and chi-square test. Based on the analyses, the researcher discovered the following facts and findings:-

Background of the Study: The utilisation of computers in the preparation of various sorts of accounts, the processing of client statements of accounts, money transfers, and cash dispensing versions have all contributed to the influence that microfinance banks have had on the urban environment of Nsukka. Transactions in banking that were formerly carried out manually, before the introduction of computers into the financial sector, are now routinely carrie...

Background to the Study: Financial scandals and misappropriation around the world and the recent collapse of large corporate organization in the USA and Europe have brought to the fore, again, the need for the practice of sound corporate governance, which is the system by which the affairs of companies are directed and controlled with the aim of increasing shareholders value and meeting the expectation of other stakeholders. The case of Enron in the U.S and m...

ABSTRACT: This study evaluates the corporate governance and its relationship with dividend policies of banks in nigerian capital market  using five commercial banks out of the fifteen that are listed on the Nigerian capital market over the period of 2003-2022. Data was collected from the Annual reports and accounts of the sampled banks. A panel data methodology (Random-effect GLS regression technique) was employed for the analysis of data. The...

ABSTRACT: In the immediate past two decades the financial services industry has experienced fluctuating fortunes leading to high profile cases of corporate failure and consequent near loss of public confidence and hence, the banking reform kick starts in 2004. The industry’s problems in Nigeria are consequences (directly or indirectly) of bad corporate governance. The lack of effective corporate governance in Nigeria has worked to the decrement of shareholders and creat...

BACKGROUND OF THE STUDY: At an earlier point in history, societal expectations from business organizations did not go beyond efficient resource allocation and its maximization. But today, it has changed and modern business must think beyond profit maximization toward being at least socially responsible to its society. Today’s heightened interest in the role of business in society has been promoted by increased sensitivity to the awareness of environment...

INTRODUCTION: Bank credit has been the responsibility of Central Bank of Nigeria, in order to manage our monetary system; it is also one of the instruments of monetary policy that can be used for economic system. Various sectors of the economy require finance for different purposes; one main purpose is to promote economic activities, the issue of credit becomes necessary as these economic agents do not have the ability to raise the required capital for the execution of their...

BACKGROUND OF THE STUDY: Community bank was imitated within the 1990 budget speech of the Head of State, commander in chief of the Armed forces of Nigeria, General Ibrahim Badamasi Babangida. Since then institutionalizing the system has gone through a long way. One of the most critical element in the process is the privation of an operational manual appropriate for the activities of the community banks. Unlike the conventional commercial bank, a communit...

BACKGROUND OF THE STUDY: On the convergence curve of information and communication technology, the world's financial institutions and telecommunication firms are about to enter a new cycle. A novel and potential application of the e-payment system for the next generation is the point of sale (POS) terminal. Monetary authorities in every system have been keeping a close eye on the function and relevance of efficient payment systems and have been worki...

Background of the study: The financial system of any economy is responsible for mobilizing savings for productive investments and ensuring efficient resource allocation. Banks have traditionally played an active role in this regard. A large volume of literatures such as those of Ajayi (2006), Adegbaju and Olokoyo (2008), and Babalola (2008) have documented the contribution of banks to socioeconomic development of nations. In recognition of this, various financial policy refor...

Background of the Study: Nigeria faces serious poverty challenges. Two out of every three Nigerians live below the poverty line of $1 per day in income. Poverty in Nigeria is concentrated in rural areas, which are home to more than 70 percent of the nation’s poor. Development indicators for rural areas lag behind those for urban areas: incomes are lower, infant mortality rates are higher, life expectancy is shorter, illiteracy is more widespread, malnutrition is more pr...

Abstract: Fraud is an epidemic dimension that has eaten deep into the banking sector as well as the entire economy. Its devastating effect manifests itself in the deteriorating balance sheet of banks as well as in economic backwardness. As a result, measures to eradicate fraud in banking sector become a central focus of the government and the monetary authorities. It was against this backdrop that this study was aimed at providing empirical evidence on the effect of...

Abstract: This study examines corporate strategy and financial performance of financial institutions listed on the Nigeria Stock Exchange. Financial performance is an important concept that relates to the way and manner in which human, material and financial resources available to an organization and is judiciously applied to achieve the overall corporate objectives. The main objective of the study is to examine the significant relationship between corporate strategies. The t...

ABSTRACT: Satisfaction is the customer’s evaluation of a product or service in terms of whether that product or serve has met their needs and expectations. Happy and satisfied customers behave in a positive manner. However, almost every Nigerian banks encounters similar problems in meeting customer’s expectation of services and customer satisfaction. It is against this backdrop that this study tries to evaluate customer’s satisfaction and its implication on...

ABSTRACT: This study investigated the impact of corporate social responsibility practices on financial productivity of micro finance bank in Nigeria. The study used generalized least square multiple regression to analyze the secondary data extracted from the annual reports and accounts of Seedvest Micro finance Bank, Ibadan. for the period of ten years from 2006 to 2016. The study found that environmental management, and c...

​​​​​​Background of the study: Customers are presumed the stakeholders of an organization and for an organization to flourish, the needs of the customers must be met. Without the presence of customers, the goals and objectives of an organization will not be achieved. It is therefore pertinent to carry out a research on the behaviors of customer, because knowledge of this will help an organization know how to deal rightly with their customers. In the 80s, the banking sector of...

ABSTRACT: This research work was undertaken to assess the Loan granting and its recovery problems on Commercial Banks. The research was intended to achieve the following objectives: To find out the several problems facing loan recovery, the effects of loan default on commercial banks and the measures that will be used in reducing the incidence of loan default. Relevant data were collected from both primary and secondary sources. Questionnaires were the main primary data...

ABSTRACT: Banks offer many vital services but must be seen to do so, by delivering efficient customer service. Service marketing is regarded as the pivotal force behind strategic planning and business operations, and, hence, as an intrinsic component of service organizational efforts. This research project is thus a search part for physical evidence and marketing effectiveness of banks in Port Harcourt and the price and process of marketing effectiveness...

Abstract: This study’s focuses on “Factors Affecting the Adoption of Electronic Commerce: Evidence from Nigerian Banks”. There are three reasons for concentrating on this topic: 1) Limited research on ecommerce in developing countries particularly in Africa, 2) Nigeria with a population of 135 million is a potentially lucrative market for ecommerce services, and 3) The banking sector has been most successful with ecommerce in Nigeria. Since ecommerce is...

ABSTRACT: An international wave of mergers and acquisitions has swept the banking industry as boundaries between financial sectors and products have blurred dramatically. There is therefore the need for countries to have sound resilient banking systems with good corporate governance, which will strengthen and upgrade the institution to survive in an increasingly open environment. In Nigeria, the Central Bank unveiled new banking guidelines designed to consolidate and restruct...

ABSTRACT: This study was carried out on the economic implications of electronic banking in Nigerian banks using Diamond Bank as a case study. The study was specifically carried out to assess the extent of electronic payment in banking activities as well as identify the various types of electronic banking, evaluate the major problems associated with the development of electronic banking system in Nigeria as well as evaluate possible solutions to these pro...

ABSTRACT: This study was carried out to examine micro finance bank and economic growth in Nigeria with special reference to LAPO Ondo state. Specifically, the study investigate the impact of micro finance bank and economic growth in Nigeria. The study also will explicate in detail ways in which micro finance banks can contribute in developing rural areas and improving the life of the poor people. Lastly, the study will investigate the ways microfina...

ABSTRACT: In Nigeria, the banking sector is an important part of the financial system, the banking sector dominate the Nigeria financial system as it accounts for about 90% of the total assets in the system. This study is carried out to examine credit management in the banking industry and economic growth in Nigeria. Statistical Package for Social Science (SPSS) and Chi-square were applied to validate the result spanning across 2000-2013. The study relies on purely...

Abstract: This study investigates the effects of ATM on the performance of Nigerian banks. Available studies have concentrated on the significant dimensions of ATM (automated teller machine) service quality and its effect on customer satisfaction with a bias against ATM producers. This study examines the effect of Automated Teller Machine on the performance of the Nigeria bank in the banking industry in Nigeria. The objective of the study was to determine the contribution of...

ABSTRACT: This study seeks to determine the relationship between bank competition and banking system stability in the Nigerian banking industry. Annual data were employed in the course of this research. The sources of the data employed were the Central Bank of Nigeria and Nigeria Stock Exchange Fact Book. Three macroeconomic variables and the entire banks quoted in the Nigerian Stock Exchange. The dependent variable for the study is Z-Index. While concentrati...

ABSTRACT: This study was carried out to examine the effect of electronic payment system on customer satisfaction in Nigeria banking system with special reference to Access bank plc of Nigeria. Specifically, the study aims to   evaluate the effects of electronic payment system on banks customers,  assess the impact of electronic payment system on the bank’s service delivery, examine the effect of electronic payments on...

BACKGROUND OF THE STUDY: Banks today are the largest financial institutions around the world, with branches and subsidiaries throughout the world. The services rendered by commercial banks in Nigerian cannot be over-emphasized. The banks basically in any economy are financial intermediaries that perform two main traditional functions which include deposit collection and lending. These banks offer different products and services to public, and because of their high liquidity,...

Background of the study: As the prime movers of economic life, banks occupy a significant place in the economy of every nation. It is therefore not surprising that their operations are perhaps the most heavily regulated and supervised of all businesses (Soyibo and Adekanye, 1991). The high degree of regulation which characterizes the banking sector fundamentally derives from its exposure to various types of risks (Isu, 1991; Jimoh, 1992)

Over the years, the Nigerian...

ABSTRACT: The topic of dissertation is The Role Of Commercial Banks In Financial Small Scale Industry In Nigeria. A case study of union bank of Nigeria plc.The major objective of the study is to ascertain the extent to which union bank of Nigeria plc has helped to financial small scale industries Instrument of data collection is questionnaires and research questions which formed the source of primary data, while materials from various published articles, textbooks, journals a...

ABSTRACT: This research essentially focused on the role of ICT in fraud detection in the Nigerian Banking industry.  This research work was done through inferential statistics which helped the research to generalize and draw conclusion. The instrument of data used in the process of this research work was questionnaires approach which was subjected to analysis in tabular form.  The target population for the research was the banking sector but the accessible popu...

Abstract: To start with, the goal of every operation staff is to deliver quality service and in the process excite the customer.

Through information given it is obvious that automated clearing system in Nigeria has improved payment service. The purpose of clearing banks to make the process more manageable. Method used in this project work has been arranged and design in a meaningful way so that it will be obvious to anybody that come across this pro...

Background of the Study: In today’s business world, globalization and international experience has become critically important. Banking industries can no longer get away with operating loosely connected groups of businesses that happen to be located around the world, but must strategically integrate their activities. Mitroff [1] stated that, only the banks, businesses, industries, and whole by societies that clearly understand the new rules of doing business in a w...

ABSTRACT: The role of micro-finance banks in the development of rural areas using Oko Micro-Finance Bank 2004-2014. This study aim at describing the role of micro-finance banks in the development of rural areas. To this effect, a case study was used which is Oko Micro-Finance Bank 2004-2014. This study aim at unearthing the powerful strategy for alleviating poverty in general and rural poverty in developing country, to analyze the strengths, weakness, op...

CHAPTER ONE

INTRODUCTION

Background Of The Study: Considering the rapid technological advancement and financial market evolution, a lot of innovative transactional products have emerged in recent years. According to McKarles (2019), the global financial system has clearly embraced the contemporary transition from physical currency to nearly digital currencies via the mediu...

CHAPTER ONE

INTRODUCTION

Background of the study: The notion of electronic banking was born as a result of technological improvement in the banking system. Customers no longer need to visit a physical financial institution to complete a transaction; instead, they can do it from the comfort of their own home using internet and mobile technologies. E-banking is a contemporar...

CHAPTER ONE

INTRODUCTION

Background Of The Study: The world cooperative could be used in different ways. It means “working together” or ready to “help” and an organized kind of business organization. Cooperative as used in the first meaning is an oil as others. This is particularly in all rural area of the world. The gathering and the thrusting of e...

CHAPTER ONE

INTRODUCTION

Background of the study: A bank is a financial organization that collects deposits and puts those deposits into lending activities, either directly or through capital markets (Uremadu, S. 2012). Customers with capital shortages are linked to customers with capital surpluses by a bank holding funds in trust for them. Because of their critical positi...

CHAPTER ONE

INTRODUCTION

Background of the Study: The role of customers in services is always emphasized in the marketing literature, especially in the recent development of a new perspective, namely service-dominant logic. Service convenience is acknowledged to be increasingly important to customers:yet extant convenience literature offers little explicit discussion of th...

CHAPTER ONE

INTRODUCTION

BACKGROUND OF THE STUDY: Realizing a good quality product in the market (whether it is a physical or service product) gives benefits to both organization as well as their customers. “Quality means a process through which a business seeks to ensure that product or service quality is maintained or improved and errors are reduced or eliminated....

CHAPTER ONE
INTRODUCTION

Background Of The Study: The Treasury single account is a banking arrangement that was put into place in order to control several accounts that were formed by various ministries, departments, and organizations (MDAs). The primary goal of a TSA is to guarantee that an effective aggregate control is maintained over the cash balances held by the governme...

CHAPTER ONE

INTRODUCTION

BACKGROUND OF THE STUDY: Banking service when it was introduced into Nigeria economy it had bring development to the doorstep of every citizen which 70 to 80 percent of Nigerians lives depends in socio-economical livelihood since partly phase of the banking system had impacted in the country development. This phase of development have revolved...

CHAPTER ONE

INTRODUCTION

Background of the Study: The low productivity, profitability and efficiency of many Nigeria banks necessitate the introduction of information technology to find solution to the challenges of the present day banking system. This paper has tried to assess the impact of information communication technology on the efficiency of thirteen commercial bank...

CHAPTER ONE

INTRODUCTION

Background to the Study: The Nigerian government has over the years embarked on series of policy and institutional reforms aimed at enhancing the low of finance from the banking sector to Small and Medium Enterprises (SMEs) as well as those involved in the petty business (Micro) activities and to entrepreneurial ventures at the informal level in pa...

CHAPTER ONE

INTRODUCTION

BACKGROUND OF THE STUDY: Nigeria is said to have a relatively long history of government initiatives to promote and finance, small and medium enterprises (Small and medium scale business). The contributions these Small and medium scale business make to the economic development and growth of Nigeria are substantial because so many people are employe...

CHAPTER ONE

INTRODUCTION

Background of the Study: Micro and small businesses are believed to be the engine room for the development of any economy because they form the bulk of business activities in a growing economy like that of Nigeria (Ashamu, 2014). Since Nigeria attained independence in 1960, considerable efforts have been directed towards industrial development. The initial efforts...

CHAPTER ONE

INTRODUCTION

Background to the Study: In most developed countries, subsistence has been directly or indirectly linked to agriculture. According to the Food and Agriculture Organization (2016), more than 60% of the world’s population rely on agriculture as their main source of livelihood. About 75 percent of the world’s poor live in ru...

CHAPTER ONE

INTRODUCTION: Monetary policy is a programme of action undertake by the monetary authorities, generally the central bank, to control and regulate the demand for and supply of money with the public and the public and the flow of credit with view to achieving predetermined macroeconomic goals Currently, monetary policy has been taken to be a very vital measure in controlling the Nigeria economy this is one...

CHAPTER ONE

INTRODUCTION

Background of the Study

Federal Mortgage Bank Of Nigeria (FMB)

Housing is one of the Importance factors that determine Urban forms and constitutes the single most serious problem facing large cities in Nigeria today. In the 1950s and 1960s, the need to finance housing in Nigeria remained so...

CHAPTER ONE

INTRODUCTION

BACKGROUND TO THE STUDY: Although, there is general agreement among psychologists that man experiences a variety of needs, there is considerable disagreement as to what these needs are and their relative importance (Van Rooyen, J.  2006).  One of the basic problems in any organization is how to motivate people to work. Motivating people to work enta...

CHAPTER ONE

INTRODUCTION

BACKGROUND OF THE STUDY: The word "audit" originates from the Latin word "audire," which literally translates to "to hear in the holding days." The practice of conducting an audit can be traced all the way back to ancient times, when landowners would work their land out to tenant farmers so that they wouldn't have...

CHAPTER ONE

INTRODUCTION

BACKGROUND OF THE STUDY: The connection between the personnel and the consumer is one of a contractual nature. employees are the most significant channel of communication the outsider’s perception of the organization will be dependent nearly completely on the staff he knows or meets and where by the employee is inefficient or surly the will b...

CHAPTER ONE

INTRODUCTION

Background Of The Study: There have not been any broadly agreed definition of digital currency. This is owing to the fact that the digital currency system is a novel transaction system that has never been used before, and it is impossible to compare to traditional money. The term "digital currency" and "virtual currency," on the...

CHAPTER ONE

INTRODUCTION

Background of the study: Public Relation is the art and social science of analyzing trends predicting their consequences, counselling organization’s leaders and implementing planned programmes of actions, which will serve the interest of both the organization and its public. It is also a deliberate, planned and sustained effort to establish a...

CHAPTER ONE

INTRODUCTION

Background to the study: With the global use of progressively more sophisticated internet and information technology (Papazoglou, 2003), electronic banking is developing as a key channel for banking businesses (Wei et al., 2012). Globally, remote banking is regarded as a characteristic of the new economy, which involves electronic transactions betw...

CHAPTER ONE

INTRODUCTION

Background to the study: The utilisation of advanced internet and information technology on a global scale has led to the development of electronic banking as a crucial channel for banking businesses (Papazoglou, 2003; Wei et al., 2012). Remote banking is widely recognised as a defining feature of the modern economy, encompassing electronic transac...

CHAPTER ONE

INTRODUCTION

BACKGROUND OF THE STUDY: A cooperative is defined as "an autonomous association of persons united voluntarily to meet their common economic, social, and cultural needs and aspirations through a jointly-owned and democratically-controlled enterprise" by the International Cooperative Alliance (ICA), which issued its Statement on the Cooperative Identity in 1995. This definition can be...

CHAPTER ONE

INTRODUCTION

Background of the study: The promotion of cashless policies has become a driving factor for global economies to investigate currency digitalization as it fast tracks online transactions. Various uses of e-transaction, including as e-banking, e-ordering, and online publishing/online retailing, are constantly influencing trends and possibilities...

CHAPTER ONE

INTRODUCTION

Background of the study: Banks are a vital part of every economy. It is the driving force behind society and economic progress. The importance of banking services to any economy's growth and development cannot be overstated. Prior to the introduction of electronic devices in the delivery of financial services in Nigeria, incompetence, time-cons...

CHAPTER ONE

INTRODUCTION

Background of the study: The availability and equality of opportunities to receive financial services are characterized as financial inclusion. It's a method for individuals and organizations to obtain relevant, inexpensive, and timely financial goods and services. Banking, loans, equities, and insurance goods are among them (Nanda, K. Kaur, M....

CHAPTER ONE

INTRODUCTION

Background of the study : In recent years, rapid technical advancement and new business models have led in a slew of novel retail payment options. These advancements are raising the possibility of significant changes in the retail payment environment, including a decline in the usage of currency. The Point of Sale termina...

CHAPTER ONE

INTRODUCTION

BACKGROUND OF THE STUDY: A cooperative is defined as "an autonomous association of persons united voluntarily to meet their common economic, social, and cultural needs and aspirations through a jointly-owned and democratically-controlled enterprise" by the International Cooperative Alliance (ICA), which issued its Statement on the Cooperative Identity in 1995. This definition can be...

CHAPTER ONE

INTRODUCTION

Background of the study: The promotion of cashless policies has become a driving factor for global economies to investigate currency digitalization as it fast tracks online transactions. Various uses of e-transaction, including as e-banking, e-ordering, and online publishing/online retailing, are constantly influencing trends and possibil...

CHAPTER ONE

INTRODUCTION

Background of the study: The availability and equality of opportunities to receive financial services are characterized as financial inclusion. It's a method for individuals and organizations to obtain relevant, inexpensive, and timely financial goods and services. Banking, loans, equities, and insurance goods are among them (Nanda, K. Kaur, M....

CHAPTER ONE

INTRODUCTION

Background to the Study: One of the most prominent issues in the corporate and financial world today is the issue of leasing (Abashiya, 2005). In the developed countries, it is almost an integral part of the overall financial system and often advocated as the least expensive and most advantageous form of funding (Afzal, 2003). As (Olusoga, 2003) in...

CHAPTER ONE

INTRODUCTION

Background of the study: Banks are a vital part of every economy. It is the driving force behind society and economic progress. The importance of banking services to any economy's growth and development cannot be overstated. Prior to the introduction of electronic devices in the delivery of financial services in Nigeria, incompetence, time-cons...

CHAPTER ONE

INTRODUCTION

Background of the study: In recent years, rapid technical advancement and new business models have led in a slew of novel retail payment options. These advancements are raising the possibility of significant changes in the retail payment environment, including a decline in the usage of currency. The Point of Sale terminal (POS) is one of the m...

CHAPTER ONE

INTRODUCTION

Background of the study: Many millions, if not billion of people will be able to use a range of convenient, accessible, and dependable financial instruments for the first time in the not-too-distant future, regardless of their proximity to traditional financial institutions. According to Global Findex database (2017), nearly 1.7 billion i...

CHAPTER ONE

INTRODUCTION

Background of the Study: Automated Teller Machines, sometimes known as ATMs, are machines that allow clients of banks to do financial transactions. Typically, a user will insert a specific plastic card that is encoded with information on a magnetic strip into the ATM. This card may be used to withdraw cash. The strip has an identifying code on it, and that code is modem-sent to the main computer at...

CHAPTER ONE

INTRODUCTION

Background of the Study: Today’s business environment is extremely dynamic in nature. It has experienced rapid changes as a result of technological improvements, increased awareness and demands for banks services. The Banking industry of the 21st century operates in a complex and competitive environment characterized by these changing conditi...

CHAPTER ONE

INTRODUCTION

Background Of The Study: Nigeria's financial landscape has never been static. New services and products are offered on a regular basis, changing the way Nigerians engage with financial institutions and the Nigerian monetary and payment system (Adelman 2015). Prior to the introduction of electronic devices in the delivery of banking services in...

CHAPTER 1

INTRODUCTION

In this study, I explore the challenges that hinder married women’s access to work-life balance as they juggle between family and work roles. The research shows that long working hours, competitive workplace, and unstable economy in Nigeria prevent married women who work in the banking and management consulting firms' from achieving work-life balance.

However, research findings fail to support the contention that gender stereotypi...

ABSTRACT

This study employed regression to examine the impact of agricultural financing on economic growth in Nigeria from 1981 to 2019. The study made use of four explanatory variables and one control variable which included Agricultural output (AO), Agricultural Loans (AL), Agricultural Expenditure on Trainings (AET), Interest rate (INTR), and Inflation rate (INFR) as control variable. All these to establish the impact, the explanatory variables have on the dependent variable (Rea...

ABSTRACT

Credit extension is an essential function of banks and bank management strive to satisfy the legitimate credit needs of the community it tends to serve. This study is aimed at analysing the credit management in the banking industry in Nigeria with particular reference to first Bank of Nigeria PLC. The importance of credit in the economic growth and development of a country cannot be overemphasized. Despite the important role played by credit in the economy, it is associated...

1.1Background of the Study

With all the measures implemented to encourage new business, help existing businesses grow and to ultimately improve the economy, there is still a growing concern of business development. As a means to address this concern, microfinance banks were introduced to cater especially for the poor low income earners who are underserved by conventional commercial banks. According to Echo Microfinance, microfinance banks are institutions licensed by the Central Ban...

ABSTRACT

The objective of the study is to examine audit quality and concept of going concern in quoted non- financial companies in Nigeria. Arguments abound that going concern opinion is issued if auditors have a doubt about financial condition of a company. However, provision of going concern audit opinion may worsen the company in terms of gaining public trust and may even indicate bankruptcy, and that is why this study aims to explore audit quality attributes that affect auditor&...

ABSTRACT

This study examines the determinants of capital flight in Nigeria and their effects on economic growth between 1970 and 2011. In analyzing the determinants of capital flight, eight (8) variables classified as political, economic and institutional were employed. These include: Degree of Openness, Inflation rate, Gross capital formation, Change in External debt, Deposit rate, Credit to Private sector, Interest rate differentials and Government consumption expenditure (GOCE)....

ABSTRACT

This study carried out an in-depth investigation of the effects of deficit financing on economic growth in the Sub-Sahara African countries, using Cameroon, Kenya, Nigeria and South Africa as the sample size. The longitudinal research design was used since the data obtained for the variables of the study covered a timeframe of 35 years - spanning from 1986 to 2020. Real GDP denoting economic growth served as the dependent variable, while government budget deficit, governmen...

1.1Background to the Study

In the service industry, particularly the banking sector, across the world, the delivery of high quality services to customers is a key factor affecting the performance of firms(Akinci, Atilgan- Inan, & Aksoy 2010; Aliyu &Tasmin, 2012). It is thus realistic to state that the industry is synonymous with competition as a result of continued improvement in the service deliveryAkinci, Atilgan-Inan, and Aksoy(2010). This improvement is a reflection of t...

ABSTRACT

The purpose of this topic evaluation of fraud control measures in Nigerian banking sector [a case study of central bank of Nigeria, Kaduna branch] is to aimed at finding practical means of eliminating, reducing the incidence of fraud in our banking industries and researcher used both primary and secondary source. Questionnaire and order interview were administered on a population of 350 person made up of both staff of central bank and management, the findings derives from r...

ABSTRACT

The scope of governmental auditing has been widened over the year by the demand for independent verification of information to the extent that it can no longer be limited to the audit of financial operations, but value for money audit which ensures that the activities and programs are carried out at low cost and high standard. Lack of commitment in cost efficiency to the overall achievement of goals by the managers in the public sector brought the need of this research work...

ABSTRACT

This study investigated the effect of financial integration on economic growth in Nigeria from 1986 to 2020. In this study, financial integration variables such as foreign direct investment inflow, foreign portfolio investment inflow, trade openness, financial deepening, foreign remittances and official development assistance were employed as the independent variables, while real gross domestic product was used as the dependent variable. Six research questions and six hypot...

ABSTRACT

This study investigated the relationship between financial performance and dividend policy for a sample of fifteen deposit money banks quoted on the Nigeria Stock Exchange between 2010 and 2019. The statistical methods used for the analysis are descriptive statistics, correlation results, and panel least square. The study revealed that there is a positive but no significant relationship between financial performance and dividend payout ratio; and there is a positive but not...

ABSTRACT

The study evaluated the relationship between fiscal policy and economic growth in Nigeria using time series data spanning from 1981 to 2019. The specific objectives include: to ascertain the extent of relationship between oil revenue and economic growth in Nigeria; to determine the degree of relationship between non-oil revenue and economic growth in Nigeria; to evaluate the extent of relationship between capital expenditure and economic growth in Nigeria; to find out the e...