THE IMPACT OF CREDIT MANAGEMENT AND CONTROL ON COMMERCIAL BANKS STABILITY IN NIGERIA (A CASE STUDY OF SKYE BANK PLC, OSOGBO)
ABSTRACT
This research work is based on the impact of credit management and control on commercial bank stability. In fact credit management determines the failure or success of commercial banks in the aspect of lending. This research is purposely carried out to give an insight into the administrative procedures of loans and advances, identifying the causes of bad debts and problems associated with loans. Moreover, in the research methodology judgment sampling was introduced for the selection of the respondents from Sky Bank Plc, Osogbo stas and customers in order to obtain relevant information for the study. The major finding was that bank does no monitor the customers’ project after parting with the funds adequately and consequently the customer divert the funds
to other ventures that are not viable. To this end recommendations are made based on the findings that all banks must put in place effective internal control systems capable of preventing the manipulations o f banks credit policies, business advisory services should be extended to clients in order to reduce their ignorance thereby reducing the incidence of business collapse and the bank should create a forum for meeting with the borrowers
TABLE OF CONTENT
Title page i
Approval page ii
Dedication iii
Acknowledgement iv
Abstract v
Table of content vi
CHAPTER ONE
INTRODUCTION
1.1 Background of the study 1
1.2 Statement of the problem 4
1.3 Objectives of the study 5
1.4 Research questions 5
1.5 Significance of the study 6
1.6 Scope of the study 7
1.7 Limitation of the study 7
CHAPTER TWO
REVIEW OF RELATED LITERATURE
2.1 Definition of foreign exchange 8
2.2 Foreign exchange in Nigeria 11
2.3 Structure of Nigeria’s foreign exchange market 15
2.4 Growth of the market exchange in Nigeria 16
2.5 Foreign exchange market and monetary manage in Nigeria 20
2.6 The structure of the country’s output 22
2.7 Overview of the Nigerian exchange rate policy 24
2.8 The eicacy
of monetary policies in the management of firms 28
2.9 Foreign exchange management objectives and policy 33
2.10 Foreign exchange problems 37
2.11 Foreign exchange control 39
CHAPTER THREE
METHODOLOGY
3.1 Design of the study 41
3.2 Area of the study 42
3.3 Population of the study 42
3.4 Sampling Method 43
3.5 Research Instrumentation 44
3.6 Validity and Reliability of the Instrument 45
3.7 Sources of Data 46
3.8 Analytical Technique 48
CHAPTER FOUR
PRESENTATION AND ANALYSIS DATA
4.1 Data analysis 49
CHAPTER FIVE
SUMMARY OF FINDINGS, RECOMMENDATION AND CONCLUSION
5.1 Summary of Findings 61
5.2 Conclusion 62
5.3 Recommendation 63
Bibliography 64
Appendix I 69
Appendix II 70
