normal"> mso-fareast-font-family:"Times New Roman"">In our economy today, investment in capital project requires large capital outlay. The cost of these investment have made it impossible for one financial institution to finance such investment requiring huge capital outlay. normal"> mso-fareast-font-family:"Times New Roman"">Banks as supplier of fund, need to endeavour to meet these demand in the interest of National economy if domestic investment and production would not seriously hamp...
ABSTRACT;As regards to this topic, TOTAL QUALITY MANAGEMENT (TQM) it goes on reviewing the better ways of improving productivity, product quality, and deliver services. Organizations that adopt the concept of total quality management as culture in the direction of altering the behaviour of managers and employees have become low cost, high quality and high productive in the supply of goods and services in order to honour and support the contributions of all organizational members. ...
ABSTRACTThe banking industry has been known to provide lending to support activities of Corporate, businesses as well as individuals. This loan offered by bank is derived from shareholders whose interest is simply to make profits. This makes banks key role to be lending and making a margin from funds lent so that it can provide a return on investment for the shareholders. It has been difficult for banks to play this role with ease as the market is bedeviled with risks, risks which cannot be f...
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 with a ca...
ABSTRACTFraud 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 fraud on performance of bank...
INTRODUCTIONAt the dawn of the 21st century, Nigeria, only recently restored to democratic rule, had a promising economic outlook for the ensuing decade. After several years of sanctions stemming from the political misadventures of the Abacha regime, the international business community was ready to welcome her 150 million plus market back into the global economy.Crude oil prices, a critical benchmark of her economy, were steadily inching up from the low of $10 recorded in the latter pa...
INTRODUCTIONThe Nigeria banking industry has witnessed a lot of changes since the mid 1980’s and this is reflected in the increased volume and complexity of bank operations, increased innovations and varieties in product and service delivery. These development have not only been technology driven but have influenced move technological advances.Information technology which is the foundation of modern electronic banking through desktop computers and terminals provide the tools for deliv...
INTRODUCTION In this first chapter of this project work, it is pertinent to define the team, STOCK EXCHANGE before I proceed. Stock Exchange could be defined as a market in which the activities of buying and selling of shares, stocks, bonds, debentures, and other securities are facilitated. Therefore, it is essentially a secondary market for buying and selling of already existing securities. BACKGROUND OF THE STUDY In Nigeria, the Stock Exchange market started as t...
ABSTRACTAt that place were so many difficulties which this research work was confronted with bank officials were so loath to give out helpful information about this problem and there was likewise the cost of research and limited time for learning analysis and prop or interpretation of data effort was reached by the researcher to personally visit places where the above secondary data were turned up. In the absence for the need for primary data question pairs administration was dee...
ABSTRACT This study presents an extended technology acceptance model that integrates innovation diffusion theory to investigate what determine user mobile commerce acceptance. This paper models the factors relationships such as perceived usefulness, perceived ease of use, personal innovativeness, subjective norms, behavioral control and intention to adopt mobile commerce. The proposed model was empirically tested using data collected from a survey of mobile commerce consumers. Empirical ...
BACKGROUND OF STUDYThe Nigeria banking industry has witnessed a lot of changes since the mid 1980’s and this is reflected in the increased volume and complexity of bank operations, increased innovations and varieties in product and service delivery. These development have not only been technology driven but have influenced move technological advances.Information technology which is the foundation of modern electronic banking through desktop computers and terminals provide the tools fo...
INTRODUCTIONIn any field of human endeavour, the place of supervision tends to assume an all important position, the place of supervision in the banking industry most especially the commercial bank cannot be down played. Orjih (2011:25) often, insider misconducts are discovered during examination of the accounting records of those commercial banks by the CBN, being one of the key supervisory institution in Nigeria. Adelusi (1994) opined that misconduct might equally be brought to the attentio...
ABSTRACTThere in a misconception as to the role of the auditor in relation to fraud. Management has hence put in place a system of internal control adequate to its circumstances in order to help it ensure the reliability and accuracy of company records. Despite all these there have been celebrated cases of fraud in financial institutions. This hence highlights the need for an increased awareness of fraud and its manifestations in books accounts not only by accountants, but by inve...
ABSTRACTThe purpose of the project is to know to the extent small businesses in Nigeria has been able to obtain loans and advances from Nigeria commercial bank as a major sources finances to the economy. The term “small scale business” are those small businesses that fall within the category of business with not more than five hundred thousand naira (N500, 000) as their annual turnover.The findings of this study will help to make recommendation and suggestions for improvement ...
INTRODUCTION1.1 BACKGROUND OF THE STUDY The Central bank of Nigeria (CBN) started with effect from 2002 fiscal year, adopt a medium term perspective monetary policy framework. Unlike earlier program which where designed for one year, the new programmes is for a two year period beginning January 2002 to December 2003. the shift is in recognition of the fact that monetary policy actions affect the ultimate objectives of policy with a substantial lag. Thus, the current shift will free monetary p...