MANAGEMENT OF DEBT AS A SURVIVAL STRATEGY FOR COMMERCIAL BANKS IN NIGERIA
MANAGEMENT OF DEBT AS A SURVIVAL STRATEGY FOR COMMERCIAL BANKS IN NIGERIA
| dc.contributor.author | ADAMU, Abdu | |
| dc.date.accessioned | 2014-03-12T08:03:27Z | |
| dc.date.available | 2014-03-12T08:03:27Z | |
| dc.date.issued | 2005-09 | |
| dc.description | BEING A PROJECT SUBMITTED TO THE POST-GRADUATE SCHOOL IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE AWARD OF THE DEGREE OF MATER OF BUSINESS ADMINISTRATION (MBA) OF AHMADU BELLO UNIVERSITY, ZARIA. DEPARTMENT OF BUSINESS ADMINISTRATION, FACULTY OF ADMINISTRATION AHMADU BELLO UNIVERSITY ZARIA SEPTEMBER, 2005 | en_US |
| dc.description.abstract | The Nigerian banking crises of the 1980s occurred almost in quick recession. They come as a result of government policy to liberalize the industry in 1988 as an integral part of an overall economic reform policy framework adopted in 1986. Liberalization of the industry encompassed deregulation of the interest and exchange rates and the issue of banking lience to indigences to establish banks, our analysis has revealed that for a banking project to be licensed and established, it would have to passed all the profitability and viability tests, which further revealed that debt default and low equity – deposit base, constitute the major risk elements. This project is concerned with the causes of bad debts in commercial banks using Oceanic Bank Plc as a case study. Effects of factors such as economic recession, non-prudent financial management, prevailing economic situations on debts management were considered. The study population was made up to 50 officers from the credit department of the bank from ten branch offices. The instrument used for data collection was the questionnaire. It was discovered that factors such as, economic recession, Government monetary policy, excess gearing, under capitalization etc. could cause bad debt in commercial banks in Nigeria, it was also observed that the state of the economy, staff qualifications, prudent financial management and establishment of effective loan policy does have significant effect on the extent of bad debts. Finally, it was fund that management of debt in commercial banks can aid the management of banks to make a sound decision in their day to day activities. | en_US |
| dc.identifier.uri | https://kubanni.abu.edu.ng/handle/123456789/3745 | |
| dc.language.iso | en | en_US |
| dc.subject | MANAGEMENT, | en_US |
| dc.subject | DEBT, | en_US |
| dc.subject | SURVIVAL, | en_US |
| dc.subject | STRATEGY, | en_US |
| dc.subject | COMMERCIAL, | en_US |
| dc.subject | BANKS, | en_US |
| dc.subject | NIGERIA | en_US |
| dc.title | MANAGEMENT OF DEBT AS A SURVIVAL STRATEGY FOR COMMERCIAL BANKS IN NIGERIA | en_US |
| dc.type | Thesis | en_US |