CREDIT MANAGEMENT IN COMMERCIAL BANKS A CASE STUDY OF HABIB (NIG) BANK LTD

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dc.contributor.authorBUNU-HAMZA, TAHIR
dc.date.accessioned2014-02-27T14:05:28Z
dc.date.available2014-02-27T14:05:28Z
dc.date.issued2000-09
dc.descriptionA PROJECT PRESENTED TO THE POSTGRADUATE SCHOOL, AHMADU BELLO UNIVERSITY, ZARIA, IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE AWARD OF THE DEGREE OF MASTER OF BUSINESS ADMINISTRATION (MBA) SEPTEMBER, 2000en_US
dc.description.abstract"Cash, a key asset is not the only medium for transacting business. Credit is also used as a means of encouraging customers patronage increase sales. Management is tasks, discipline and also people. Every achievement of management is the achievement of a manager. Every failure is the failure of a manager. People manage rather than focus on facts. The vision dedication and integrity of managers determines whether there is management or mismanagement". Peter Drucker The financial industry has been a major energizers of economic growth and development in Nigeria. Monetary policy which the Government has been alternating and sometimes combined with fiscal policy to extricate the country from economic mess has been implemented through essentially financial institutions. To be able to pursue this towards ensuring systematic economic, industrial and socio-political development, the financial institution need enough funds to support lending to various individuals and corporate customers. So when most of these loans facilities granted become hard core, financial institutions are not able to fulfil perfectly this responsibility and their continuous existence is threatened. This has been the effect of mounting debts in the books of banks especially with the recent withdrawal of deposit by government and parastatals. Low deposits are costly and financial institutions need the money to back up their lending. This research study is therefore focused on the management of credits in financial institutions. (A case study of Habib Bank Nigeria Limited). This study was carried through the administration of interviews to the employees of credit department of habib Bank head office in Kaduna. The aim of the research has been to find out how the Bank Manages its credits. The major cause of such credit and the control measures taken by the bank to minimize the level of such debts. Recommendations are also made. The study showed that efforts towards managing of credits becomes imperative and compelling on the bank. It also reveals the manner in which credit facilities are granted and treated by bank employees. Additional control measures that could aid the recovery of such credits and minimize the emergence of new debts have been identified and recommended for adoption by banks.en_US
dc.identifier.urihttp://hdl.handle.net/123456789/2917
dc.language.isoenen_US
dc.subjectCREDIT,en_US
dc.subjectMANAGEMENT,en_US
dc.subjectCOMMERCIAL,en_US
dc.subjectBANKS,en_US
dc.subjectCASE,en_US
dc.subjectSTUDY,en_US
dc.subjectHABIB,en_US
dc.subjectNIG,en_US
dc.subjectLTD,en_US
dc.titleCREDIT MANAGEMENT IN COMMERCIAL BANKS A CASE STUDY OF HABIB (NIG) BANK LTDen_US
dc.typeThesisen_US
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