ABSTRACT
The purpose of the was to examine how credit negotiation impacts on debt recovery in the banking sector. The study objectives were to examine to ascertain the impact of insolvency on debt recovery in Jaiz Bank Nig PLC, to ascertain the impact of bankruptcy on debt recovery in Jaiz Bank Nig PLC and to examine the impact of receivership on debt recovery in Jaiz Bank Nig PLC. The research design adopted a descriptive survey design. The target population consisted of 280 employees from the Jaiz bank PLC. The study targeted branches of Jaiz Bank Nig Plc, Lagos and Abuja. The researcher used questionnaire as data collection instruments. The data collected in the study was analyzed by the use of descriptive statistics and inferential statistics. This includes the use of descriptive statistical methods to analyze data consisting of frequency, mean and standard deviation. When some banks in the system are distressed, it is in the best interest of the non distressed one that an effective resolution of the distressed is carried out. This is because, the distress in one bank which leads to a loss of confidence in the effected bank can also affected confidence in the entire banking system, the corporation requires enormous amount of money which it does not have at the moment given the age and size of the insurance find. Bank customers expect their bankers to provide them with loan and advances to make up the short fall in their required find. The ability of the bank to maintain profitability depends largely on the extent to which the credit policy and debt recovery techniques is maintained. Credit control department is the center of banks and as such , they are charged with responsibility of making proper use of the share holders finds of the public at large .
