CREDIT RISK MANAGEMENT IN THE NIGERIAN BANKING INDUSTRY
CREDIT RISK MANAGEMENT IN THE NIGERIAN BANKING INDUSTRY
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Date
1999-12
Authors
JIBRIN, ABUBAKAR WUSHISHI
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Abstract
This is a study of credit risk management in the Nigerian banking industry.
The study seeks to examine how credit risk arises in the banking sector and
the possible impacts on the economy. In a simple explanation credit risk is a
term which denote that possibility on the part of a debtor not to honour the
loan advanced to him as at when due, or credit risk can be defined as all
risks that may lead to economic loss to the corporation as a result of the
failure or inability of clients (it may be a company, government or
individuals) to met their obligations as they come.
To accomplish this work successfully, questionnaires, interviews and review
of existing literatures were employed, facts were gathered from respondents
and analysed. It was found that due to lack of proper or adequate collateral
securities required by banks, people are refused loans. It was also
discovered that it is not true that untimely processing and disbursement of
loan result to credit risk to banks. It is also not true that loans disbursed to
farmers are not sufficient for the execution of the projects and often off
seasonal. It was also fund that bank faced with high credit risk is likely to
experience loss of public confidence going by the result of the hypothesis.
By and large the recommendations given in the study will help in no small
measure to banks in terms of advancing loans, which is one of the
fundamental reasons of their existence
Description
A PROJECT SUBMITTED TO THE DEPARTMENT OF BUSINESS
ADMINISTRATION IN PARTIAL FULFILLMENT FOR THE AWARD
OF MASTER OF BUSINESS ADMINISTRATION (MBA) BY AHMADU
BELLO UNIVERSITY KONGO CAMPUS ZARIA.
DECEMBER, 1999
Keywords
CREDIT RISK MANAGEMENT,, NIGERIAN BANKING ,