TABLE OF CONTENTS
PAGE
Title Page – – – – – – – – – i
Certification – – – – – – – – ii
Dedication – – – – – – – – – iii
Acknowledgements – – – – – – – iv
Table of Contents – – – – – – – v-vii
List of Tables – – – – – – – – viii
Abstract – – – – – – – – – ix
CHAPTER ONE
INTROUCTION
- Background of the Study – – – – – 1-2
- Statement of the Problem – – – – – 2-3
- Objectives of the Study – – – – – – 3
- Research Questions – – – – – 3-4
- Significance of the Study – – – – 4
- Scope and Limitations of the Study – – – 5
- Organization of the Study – – – – 5-6
- Definition of Terms – – – – – 6-7
CHAPTER TWO
REVIEW OF RELATED LITERATURE
2.1 Introduction – – – – – – 8
2.2 Concepts of Banks Credit in Nigeria – – – 8-11
2.3 Types of Bank Credit – – – – – 12-16
2.4 Establishment of Credit Policy of Deposit Money Bank 16-17
2.5 Marketing Strategy and Creation Requirement – – 17-19
2.6 Necessary Factors to be considered in Credit
Administration – – – – – – – 19-20
2.7 Inputs for Realistic Credit Policy Formulation – – 20-22
2.8 Banks Credit Management Strategies – – – 22-23
2.9 Effect of Credit Management on Profitability of
Deposit Money Bank – – – – – 23-24
2.10 Tools for Credit Management in Deposit Money Bank
2.11 Problems of Effective Credit Management in
Deposit Money Bank – – – – – 24-25
2.12 Ways of Improving Credit Management in Deposit
Money Banks – – – – – – 26
End Notes
CHAPTER THREE
RESEARCH METHODOLOGY
3.1 Introduction – – – – – – 28
3.1.1 Research Questions – – – – – – 28
3.2 Design of the Study – – – – – – 29
3.3 Area of the Study – – – – – – 29
3.4 Population of the Study – – – – – – 29
3.5 Sample and Sampling Techniques – – – – 29
3.6 Instrument for Data Collection – – – – 30
3.7 Data Analysis Technique – – – – – 30
CHAPTER FOUR
DATA PRESENTATION, ANALYSIS AND INTERPRETATION
4.1 Introduction – – – – – – – 31
4.2 Data Presentation – – – – – – 31
4.3 Data Analysis and Interpretation – – – – 31-38
CHAPTER FIVE
FINDINGS, CONCLUSION AND RECOMMENDATIONS
5.1 Introduction – – – – – – – 39
5.2 Findings – – – – – – – – 39
5.3 Conclusion – – – – – – – – 40
5.4 Recommendations – – – – – – 40-41
References
Appendix
ABSTRACT
Credit management and the profitability of deposit money Bank in Nigeria, a case study of United Bank For Africa, Ikot Ekpene has examined credit management techniques adopted by deposit money Banks to enhanced performance. The research design adopted was exploratory survey design. The population of this study was United Bank for Africa Ikot Ekpene which is made up of 12 staff. Based on Quota control sampling technique, Taro Yamane’s statiscal formular was used to determine 10 sample size from 12 staff of the Bank. Simple frequency distribution table and percentage was used for analysis. Findings revealed that, the establishments of credit control standards, prompt recovery overdue debt and accounts management are ways of improving credit management to achieve adequate profitability. Recommendation was that, Directors of Banks should view as a matter of necessity the establishment of a standard credit control and computerized their operation effectively and efficiently as this will improve information system for effective credit management.