Problems Of Obtaining Bank Loans In Nigerian Banks

ABSTRACT: The accounting rules and laws are made to guide the accountants to prepare a financial statement that show a true and fair view. When an account did not show an accurate balance, then we prepare a suspense account. Coming to loaning in banks, there are rules and regulations that guide lending.

1. The right of a lunatic to obtain loan.
2. The conditions of an infant before obtaining loan
3. The right of a married woman to get loan from Nigeria banks.

This write-up clearly defined and discus all in the way it wills clarity all arguments about loaning in Nigeria banks.

TABLES OF CONTENTS

CHAPTER ONE

1. Introduction                                                      1
2. Background of the Study                               2
3. Statement of the problem                               3
4. Objective of the study                                               5
5. Research hypothesis                                               6
6. Significance of the study                               7
7. Limitation of the study                                              7
8. Definition of the term                                                8

CHAPTER TWO

1. Review of related (origin of loan)                           11
2. Research methodology                                            12
3. Development of research material                         14
4. Research procedure                                       17
5. Selection of population                                            21
6. Sources of data                                                         22

CHAPTER THREE

1. Presentation analysis and interpretation of data23
2. Data analysis                                                    24
3. Findings                                                             26
4. Summary of findings                                       29
5. Recommendation                                            30
6. Conclusion                                                                 30
7. Bibliographer                                                    35

CHAPTER ONE

INTRODUCTION

Bank lending or granting of loan is a very important obligation of the commercial bank. After sourcing of funds, the commercial bank will apply it into lending out to the public in the aim of making profits and deriving interest from it. Commercial banks have to take feasibility studied before they grant loan to public. And the loans granted by commercial bank have gone long way to help in infrastructure and social development of our country. It has been a help to the sole proprietors, expertise even partnerships and public or private companies.

But the problem of obtaining it has been a social hazard because of the behavior of customers and some parts played by the bankers. On the side of the customers who have it mind of getting his own National cake through a loan granted to him by our commercial banks. And some men of the underworld called banker.

BACKGROUND OF THE STUDY

ORIGIN OF BANKING SYSTEM IN NIGERIA