CREDIT ADMINISTRATION AND REALIZATION OF SECURITY IN NIGERIAN BANKS: A CASE STUDY OF AFRIBANK NIGERIA PLC
CREDIT ADMINISTRATION AND REALIZATION OF SECURITY IN NIGERIAN BANKS: A CASE STUDY OF AFRIBANK NIGERIA PLC
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Date
2010-10
Authors
GOJE, EPHRAIMS AWOLOWO
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Abstract
Over sixty percent of a bank earning is derived from the interplay of activities
surrounding its loans and advances portfolio.
The quality of these on their balance sheets over time portrays the growth and health of
the bank. An abuse on this very important source of earning has been responsible for the
collapse of financial institution that hitherto have been considered to be very vibrant. It is
very important that such financial institution put in place structures that will protect
expositors funds and avoid the lost of confidence in the system. They should also be seen
to play their secondary role as channel through which government execute its monetary
policies.
These concern prompted this study which has been able to reveal that good credit
administration in banks is a very essential requirement in lending business and that bad
and doubtful debt on the balance sheets of a bank can greatly reduced through the use of
will trailed credit officers who are versed in this aspect and loans go bad as a result of
unforeseeable factors, it could be recovered if security was well constituted.
The bank we have narrowed our study on has continued to grow with time. The secret
about their success story has been revealed by the study lies on the solid credit
framework under which they have established and adhere religiously to.
The findings in this research work therefore are to serve as a safe highway on which other
banks will drive to prosperity.
Description
Being a project submitted in partial fulfillment of the
requirements of Postgraduate School for the award of the
Degree of Master in Business Administration (MBA) of the
Ahmadu Bello University, Zaria.
Nigeria.
Department of Business Administration
Faculty of Administration
Ahmadu Bello University
Zaria
Keywords
CREDIT,, ADMINISTRATION,, REALIZATION,, SECURITY,, NIGERIAN, BANKS,, CASE,, STUDY,, AFRIBANK,, NIGERIA, PLC,