THE EFFECT OF FINANCIAL RATIO ANALYSIS ON CREDIT DECISION IN COMMERCIAL BANKS IN NIGERIA
THE EFFECT OF FINANCIAL RATIO ANALYSIS ON CREDIT DECISION IN COMMERCIAL BANKS IN NIGERIA
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Date
1998
Authors
ABEL, IFAH UGOYA
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Abstract
The primary objective of this research is to examine the effect of financial ratio
analysis on credit decision in commercial banks in Nigeria a case study of Lion
Bank of Nigeria Plc. This may enable us to provide a framework for further
research on financial ratio effect on credit decision; there are other factors that
are taking into consideration. But there are cardinal believes that credits should
be given to individuals and organization that will be able to pay them back.
This study is divided into five main chapters. Chapter one provides an insight to the
problems to be studied, objectives of the study, the significance, the purpose, the
scope and limitations of the study, and a brief history of Lion Bank.
Chapter two deals with related past studies concerning financial ratio analysis in
credit decision and the evolutions of banks in the country. This chapter equally
showed ratio as the basis for which financial analysis for credit decision can be
possibly meaningful. In early days of banking operation financial ratio analyses
calculated then are used mainly for credit decision of organization. No serious studies
were done concerning its usage and acceptance in the commercial banks.
Chapter three showed the methodology employed to bring out our findings.
The statistical tools used for the analysis; we adopted questionnaire and
interview as methods of data collection for this study. The questionnaires were
simple and designed to get the best from the practitioners
Description
Being a thesis submitted 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) Department of Business Administration, Faculty of
Administration, Ahmadu Bello University, Zaria
1998
Keywords
EFFECT,, FINANCIAL RATIO ANALYSIS,, CREDIT DECISION,, COMMERCIAL BANKS,, NIGERIA: