CREDIT MANAGEMENT IN THE BANKING INDUSTRY A CASE STUDY OF UNITED BANK FOR AFRICA (UBA) KADUNA NORTH, KADUNA
CREDIT MANAGEMENT IN THE BANKING INDUSTRY A CASE STUDY OF UNITED BANK FOR AFRICA (UBA) KADUNA NORTH, KADUNA
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Date
1994-07
Authors
Nil, MR Ml HAIL NATHANIEL
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Abstract
This project examined the structure of credit management in
the banking industry with special reference to the United Bank
for Africa - UBA located on the Hospital Road, Kaduna - often
called Kaduna North Branch.
The purposes of the study are to investigate various credit
facilities offered by the bank to customers; to assess the
efficiency of its credit management policies and to determine the
extent of the effects of the policies on the organisational
productivity.
The primary and secondary sources of data collection were
used. The primary data was obtained through the instument of
questionnaire administered on the bank, to obtain data analysed
in chapter IV while the many related literature were consulted to
write up chapter II which formed the theoretical framework of the
study.
The data analysis method used was a question-response
approach which allows for the stating of the question and
indicating the response immediately after. This method was
adopted because the data collected were all provided jointly by
the credit department in one questionnaire. So there was no need
for the use of percentages and tables as often required in a
traditional survey study.
The summary of the findings indicate that the bank has the
following kinds of credit facilities in her credit portfolio
which include loans, bonds, indemnity guarantees, direct credit,
documents, bankers acceptances, stock replacement credits,
documentary credit and overdraft.
The Bank also operates under stipulated credit regulatory
policies which relate seriously to credit worthiness, debt
recovery, check system with an inducement facility, collaterals
and litigation as a last resort.
The findings, based on tne analysis were tested by a 3-point
hypothesis which were all rejected. The study revealed that the
credit policies of the bank are effective; that it is not always
the faults of the borrower to repay the debt; and that the delays
in repayment of debt affect the lending organisation (ie the bank
adversely).
Based on the findings, the researcher made a 10-point
recommendation for the banking industry and other users of the
data. The llth-point recommendation is for a further research,
which calls for the examination of organisational Policies on
Liabilities.
Description
BEING A PROJECT SUBMITTED TO THE POSTGRADUATE SCHOOL
AHMADU BELLO UNIVERSITY, ZARIA IN PARTIAL
FULFILMENT OF THE REQUIREMENTS
FOR THE AWARD OF MASTER OF
BUSINESS ADMINISTRATION
Keywords
CREDIT,, MANAGEMENT,, BANKING,, INDUSTRY,, CASE,, STUDY,, UNITED,, AFRICA,, UBA,