TABLE OF CONTENTS
PAGE
Title Page – – – – – – – – i
Certification – – – – – – – ii
Dedication – – – – – – – – iii
Acknowledgements – – – – – – iv
Table of Contents – – – – – – v-vii
List of Table – – – – – – – viii
Abstract – – – – – – – – ix
CHAPTER ONE
INTRODUCTION
1.1 Background of the Study – – – – – 1-2
1.2 Statement of the Problem – – – – – 2-4
1.3 Objectives of the Study – – – – – – 5
1.4 Research Questions – – – – – – 5-6
1.5 Significance of the Study – – – – – 6
1.6 Scope/Limitations of the Study – – – – 7
1.7 Organization of the Study – – – – – 7-8
1.8 Definition of Terms – – – – – – 8-9
CHAPTER TWO
REVIEW OF RELATED LITERATURE
2.1 Concept of Credit Management – – – – 10-13
2.2 The History of Lending and Concept of Lending – – 13
2.3 Lending Principle and Practice – – – – 13-19
2.4   Challenges Faced by Banks in Managing Credit Facilities       17-25
2.5   Bad Debt and Credit Management               –      –      –      25-27
2.6 Measures Adopted by Banks to Curb Problem of
Credit Management in Nigeria – – – – – 27-31
End Notes
CHAPTER THREE
RESEARCH METHODOLOGY
3.1 Introduction – – – – – – – 33
3.1.1 Restatement of Research Questions – – – 33
3.2 Design of the Study – – – – – – 34
3.3 Area of the Study – – – – – – 34
3.4 Population of the Study – – – – – 34
3.5 Sample and Sampling Technique – – – – 34-35
3.6 Instrument/Method for Data Collection – – – 35
3.7 Data Analysis – – – – – – – 35
CHAPTER FOUR
DATA PRESENTATION AND INTERPRETATION
4.1 Introduction – – – – – – – 36
4.2 Data Presentation, Analysis and Presentation – – 37-41
CHAPTER FIVE
FINDINGS, CONCLUSION AND RECOMMENDATIONS
5.1 Introduction – – – – – – – 42
5.2 Findings – – – – – – – – 42
5.3Â Â Â Conclusion –Â Â Â Â Â Â –Â Â Â Â Â Â –Â Â Â Â Â Â –Â Â Â Â Â Â –Â Â Â Â Â Â –Â Â Â Â Â Â –Â Â Â Â Â Â –Â Â Â Â Â Â 43-44
5.4 Recommendations – – – – – – 44-45
References
Appendices
ABSTRACT
This research work is about the challenges of credit management in the banking industry, using union bank plc as the case study. The main objective of this study was to examined the major challenges of credit management in banks. Four research questions were formulated and tested in this study. The study involved a sample of 30 respondents. A self-design questionnaire was used, descriptive and explanatory survey and simple percentage of significant was used to analyze the data gathered. Results shows that the credit facilities provide cash flow into an economy and expand existing firm, credit facilities motivate bank customers and stabilize customers business. It was concluded that the measures discovered by the researcher should be use before granting credit facilities to customer. And it was also recommended that borrowers from banks should endeavor to pay back the debt as when due to enable banks to lend more to other investors. This will help to reduce some of the challenges of credit management in the banking industry.
