BANK LOAN MONITORING AND LOAN PERFORMANCE: A STUDY OF DEPOSIT MONEY BANKS IN NIGERIA

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dc.contributor.authorIDRIS, Ismail Tijjani
dc.date.accessioned2014-11-18T09:38:00Z
dc.date.available2014-11-18T09:38:00Z
dc.date.issued2014-06
dc.descriptionA THESIS SUBMITTED TO THE SCHOOL OF POSTGRADUATE STUDIES, AHMADU BELLO UNIVERSITY ZARIA, IN PARTIAL FULFILMENT OF THE REQUIREMENTS FOR THE AWARD OF MASTER OF SCIENCE DEGREE IN BUSINESS ADMINISTRATION DEPARTMENT OF BUSINESS ADMINISTRATION FACULTY OF ADMINISTRATION AHMADU BELLO UNIVERSITY, ZARIA NIGERIA JUNE, 2014en_US
dc.description.abstractFor banks to achieve their goals there is the need to put in place structures that will keep loans active within the acceptable ratios defined by regulatory authorities. Notable among these structures are the internal procedures designed to ensure appropriate procedure for credit appraisals, objective approvals of loan applications and proper credit administration of all disbursed funds. Despite these, empirical evidences portray a different and disturbing picture as consistently the Nigeria banking system is characterized with high ratio of non-performing loans, banks liquidity crises, shrinking profitability, general losses, eventual corporate failures and finally financial crises. These cast doubts as regards the institutionalization of loan monitoring mechanism in the banking system. This study sought to establish whether there is a relationship between bank loan monitoring and loan performance among Deposit Money Banks (DMBs) in Nigeria. The survey and correlational designs were adopted for the study. The research hypotheses were tested using Chi-Square and correlation techniques. The study found that there is a relationship between loan monitoring and loan performance among DMBs in Nigeria. It is therefore concluded that there is a relationship between bank loan monitoring and loan performance and that the more effective and efficient the monitoring the higher the loans will remain active. The study among other things recommended that DMBs should design more rigorous and effective mechanisms such as being proactive in handling the bad loan through restructuring and/or work out arrangements as the early warning signals of bad loans begin to set in or sell them to the secondary loan markets. The banks are also recommended to come up with reward and punishment system on their staff concerned with loan monitoring, which should also form part of their Key Performance Indicators (KPIs) as well as establishing a mutual collaboration with their borrowing customers in ensuring that their loans are made to remain active throughout the period of the loans.en_US
dc.identifier.urihttp://hdl.handle.net/123456789/5619
dc.language.isoenen_US
dc.subjectBANK LOAN,en_US
dc.subjectMONITORING,en_US
dc.subjectLOANen_US
dc.subjectPERFORMANCE:en_US
dc.subjectMONEY BANKSen_US
dc.titleBANK LOAN MONITORING AND LOAN PERFORMANCE: A STUDY OF DEPOSIT MONEY BANKS IN NIGERIAen_US
dc.typeThesisen_US
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