CREDIT MANAGEMENT POLICY OF COMMERCIAL BANKS IN NIGERIA: A CASE STUDY OF HABIB NIGERIA BANK LTD

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dc.contributor.authorKURAH, GABRIEL GOYI
dc.date.accessioned2014-03-03T08:48:56Z
dc.date.available2014-03-03T08:48:56Z
dc.date.issued2000-08
dc.descriptionIN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE AWARD OF MASTER DEGREE IN BUSINESS ADMINISTRATION (MBA) DEPARTMENT OF BUSINESS ADMINISTRATION AHMADU BELLO UNIVERSITY KONGO-ZARIA AUGUST, 2000en_US
dc.description.abstractThis research is on credit management policy of Nigeria commercial banks. Credit which forms the greatest portion of commercial Banks' assets need to be properly managed to ensure the continous survival of the industry. As a positive step towards sustaining the industry, there has to be in place well articulate policies regarding credits that should guarantee their viability. It would be recalled that in the late 80's and early 90's the banking industry experience a boom in business, but shortly after experienced a period of recession and outright failure that led to the closure of some Banks in the country. The general cause of the early 90s massive banks failure was attributable to poor lending policies. It was for this reason that this study was conducted to verify the how genue this claim is and see possibility of suggesting improved lending policies to enable achieving viability for the industry as a whole and the economy. However, after conducting the study, it was discovered that, Most banks have good credit policies on ground, but the actual problem lies with the issue of management. Frequent changes in government economic policies tends to have cyclical effect on the management of Bank credits. It was on the basis of this that the following recommendations were made:a. Credit managers need to be adequately trained. b. There is need for a comprehensive insurance policy to cover the total credits and minimise risk. c. Interest rate policy should be such that, they are attainable to willing and able borrowers to minimise risk of default d. Granting of interest discount/waiver should be encouraged. e. Changes in economic policies should be in line with the need of the financial institutions. f. Credit planning should become an integral part of banking and national planning. The economic plan must have a counterpart of the credit plan worked out by the CBN in co-operation with the bankers' committee.en_US
dc.identifier.urihttp://hdl.handle.net/123456789/3033
dc.language.isoenen_US
dc.subjectCREDIT,en_US
dc.subjectMANAGEMENT,en_US
dc.subjectPOLICY,en_US
dc.subjectCOMMERCIAL,en_US
dc.subjectBANKS,en_US
dc.subjectNIGERIAen_US
dc.subjectCASE,en_US
dc.subjectSTUDY,en_US
dc.subjectHABIB,en_US
dc.subjectNIGERIAen_US
dc.subjectLTD,en_US
dc.titleCREDIT MANAGEMENT POLICY OF COMMERCIAL BANKS IN NIGERIA: A CASE STUDY OF HABIB NIGERIA BANK LTDen_US
dc.typeThesisen_US
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