AN EVALUATION OF QUANTITATIVE PROCEDURES FOR COMMERCIAL LOANS IN NIGERIA
AN EVALUATION OF QUANTITATIVE PROCEDURES FOR COMMERCIAL LOANS IN NIGERIA
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Date
2000-09
Authors
ABU - ABDISSAMAD, Abdullahi Musa
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Abstract
The problem of bad debt Josses in the Nigerian banking industry
compelled the monetary authorities to close down some banks in the 1990s.
This trend called for a study that would halt the trend. This study is an
attempt to respond to this call. The specific objective of the study was to
evaluate and examine the procedures, which commercial banks employ to
evaluate commercial loan proposals.
A descriptive/survey research method was adopted for the study.
Questionnaire and documentary sources constituted the main instruments
used to collect relevant data for the study. The responses to the
questionnaire were analyzed. The chi-square statistic and correlation
analysis were used to test the hypotheses formulated for the study.
The findings showed that: ratio analysis was about the only
quantitative technique Nigerian commercial banks staff employed in
evaluating commercial loan proposals; other quantitative techniques such as
MDA, logit, or LGP were not used by virtually all bankers; and there was
significant relationship between academic qualification of managers/bank
officials and their ability to adopt quantitative analysis for classifying
commercial loan proposals.
Description
A THESIS SUBMITTED TO THE POSTGRADUATE SCHOOL OF
AHMADU BELLO UNIVERSITY IN PARTIAL FULFILLMENT OF THE
REQUIREMENTS FOR THE DEGREE OF DOCTOR OF PHILOSOPHY
IN BUSINESS ADMINISTRATION
AHMADU BELLO UNIVERSITY
ZARIA
SEPTEMBER 2000
Keywords
EVALUATION,, QUANTITATIVE,, PROCEDURES,, COMMERCIAL,, LOANS,, NIGERIA