FRAUD PREVENTION DETERCTION AND CONTROL IN NIGERIA BANKING INDUSTRY A CASE STUDY OF HABIB NIGERIA BANK LIMITED ENUGU

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ABSTRACT

This work is all about fraud prevention, detection and control in the banking sector of Nigeria. This study has Habb Nigeria bank Limited, Enugu as a case study.

From the study, such factors like poor staffing, poor remuneration, weak internal control among other factors contributed immensely to the incidence of fraud in banks. The study revealed that the most effective way of preventing fraud in banks is through an effective in-built control mechanism. This internal control mechanism is designed in such a way to designate responsibilities so that a staff’s activities are checked by another which is in turn checked by a higher officer. This calls for a strong and independent inspection and audit department in every bank comprising of staff with impeccable integrity.

This study applied necessary data collection techniques such as questionnaires.

TABLE OF CONTENTS

Title page ii

Approval page iii

Dedication iv

Acknowledgement vi

Abstract vi

List of table vii

Table of contents viii

CHAPTER ONE

Introduction 1

1.1 Back of the study 1

1.2 Statement of problems 4

1.3 Objectives of the study 5

1.4 Scope of the study 5

1.5 Research questions 6

1.6 Significance of the study 6

1.7 Definition of terms 8

CHAPTER TWO

2.0 Literature review 10

2.1 The causes of fraud in banking sector 10

2.2 The effect of frequent fraud occurrence

in the banking industry 15

2.3 The relationship between banking practices

and fraud perpetration 16

2.4 The impact of banks and government’s

effort on fraud elimination 18

2.5 Definition of fraud 21

CHAPTER THREE

Research Methodology 26

3.1 Research design 26

3.2 Area of study 28

3.3 Population of study 28

3.4 Sample and sampling procedure 29

3.5 Instrument for data collection 29

3.6 Reliability of the research instrument 29

3.7 Validity of the research instrument 29

3.8 Method of administration of the research instrument 30

3.9 Method of data analysis 31

CHAPTER FOUR

4.0 Data presentation and results 32

4.1 Research Question No.1 33

4.2 Research Question No.2 34

4.3 Research Question No.3 35

4.4 Research Question No.4 36

4.5 Research Question No.5 37

4.6 Research Question No.6 38

4.7 Research Question No.7 39

4.8 Research Question No.8 40

4.9 Research Question No.9 41

4.10 Research Question No.10 42

4.11 Research Question No.11 43

CHAPTER FIVE

Discussion 46

5.1 Discussion of results 46

5.2 Conclusions 47

5.3 Implications of the results 48

5.4 Recommendations 48

5.5 Suggestions for further research 49

5.6 Limitation of the study 50

Reference 51

Appendices 53

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FRAUD PREVENTION DETERCTION AND CONTROL IN NIGERIA BANKING INDUSTRY A CASE STUDY OF HABIB NIGERIA BANK LIMITED ENUGU

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