COMMERCIAL BANKS LENDING PRACTICES AND THE INCIDENCE OF BAD DEBT IN NIGERIA

Click here to download our android mobile app to your phone  for more materials and others

COMPLETE PROJECT  MATERIAL COST 2500 NAIRA OR $10 , WITH THE SOFTWARE 30,000 NAIRA

. A FRESH TOPIC NOT LISTED ON OUR WEBSITE COST 50,000 NAIRA ( UNDERGRADUATE) OR 100,000 FOR SECOND DEGREE STUDENTS. $500. PLUS  FREE SUPPORT UNTIL YOU FINISH YOUR PROJECT WORK. CONTACT US TODAY, WE MAKE A DIFFERENT. DESIGN AND WRITING IS OUR SKILLED.  DESIGN AND WRITING IS OUR SKILLED.

Note: our case study can be change to suit your desire location . we are here for your success.

                                   ORDER NOW

Foreign Transaction For Dollars Payment :
Bank Name: GTBank
Branch Location: Enugu State,Nigeria.
Account Name: Chi E-Concept Int’l
 Account Number:  0117780667. 
Swift Code: GTBINGLA 
Dollar conversion rate for Naira is 175 per dollar. 

Note:  We accept bank transfer, ATM cash transfer , Online payment using your ATM , Western union bank transfer.  We will respond to you anytime of the day. 

OR
PAY ONLINE USING YOUR ATM CARD. IT IS SECURED AND RELIABLE.

form>DELIVERY PERIOD FOR BANK PAYMENT IS  LESS THAN 24 HOURS

CALL OKEKE CHIDI C ON :  08074466939,08063386834.

AFTER PAYMENT SEND YOUR PAYMENT DETAILS TO

08074466939 or 08063386834, YOUR PROJECT TITLE  YOU WANT US TO SEND TO YOU, AMOUNT PAID, DEPOSITOR NAME, UR EMAIL ADDRESS,PAYMENT DATE. YOU WILL RECEIVE YOUR MATERIAL IN LESS THAN 2 HOURS ONCE WILL CONFIRM YOUR PAYMENT.

WE HAVE SECURITY IN OUR BUSINESS.   

MONEY BACK GUARANTEE

ABSTRACT
This research work will address the issue of lending problem loans (Bad debt) and also the techniques of minimizing it.
In the ordinary course of lending, Banks increase bad debt, which are charged against the income generated. Indeed many banks are at the verge of collapse, because of the impact and effects of bad debt and its ineffective management.
The nature of project writing in ordinary National Diploma level demands that the source of collecting data should be secondary, hence the researcher did not use interviews and questionnaires, but the research conducted was only limited to already published materials.
The researcher discovered that problem loans do not just occur, they are caused by variety of factors, and some are controllable while others are not.
Generally, bad debt has a negative impact in the operations of banks. It is anathema to sound banking system, therefore financial analysis must work hard to control and manage it effectively.
The researcher recommended some possible solution and suggestion on the commercial bank lending techniques and also means of controlling bad debt.

TABLE OF CONTENTS
CHAPTER ONE
1.1 BACKGROUND OF THE STUDY 1
1.2 STATEMENT OF THE PROBLEM 1-2
1.3 OBJECTIVE OF THE STUDY 2
1.4 SIGNIFICANCE OF THE STUDY 3
1.5 LIMITATION OF THE STUDY 3
1.6 DEFINITION OF TERMS 4-5
CHAPTER TWO
2.0 REVIEW OF RELATED LITERATURE 6
2.1 PRINCIPLES OF GOOD LENDING 6-19

2.2 BANK AND THE ECONOMY 20-21
CHAPTER THREE
3.0 RESEARCH DESIGN AND METHODOLOGY 22
3.1 SOURCES OF DATA 22
3.2 LOCATION OF DATA 22-23
3.3 METHOD OF DATA COLLECTION 23
CHAPTER FOUR
4.0 FINDINGS 24
4.1 BANK RELATED FACTORS 24-25
4.2 CUSTOMER RELATED FACTORS 25-26
4.3 UNCONTROLLABLE FACTORS 26-27
4.4 WARNING SIGNALS 27-28
4.5 EFFECTS OF BAD DEBT 28-29
4.6 LOAN RECOVERY MEASURES 29-30
CHAPTER FIVE
5.0 RECOMMENDATIONS 31-33
5.1 CONCLUSION 33-35
BIBLIOGRAPHY
CHAPTER ONE

INTRODUCTION
1.1 BACKGROUND OF THE STUDY
This project work on commercial banks lending practices and incidence of Bad debt in Nigeria is a study carried out by the researcher, so as to evaluate and analyze the lending principles, problems and effects of Bade Debt in the operation of banks and also to the general Economy.
A bank economic purpose is to act as a financial intermediary. It facilitates the process of challenge savings into investment and one of the avenues of realizing this objective is by lending effectively.
Loans are classified as bad debts when they cannot be repaid. But if management concentrates solely on minimizing these losses, a bank will make virtually no loan, profits will shrink and the lenders cannot completely eliminate risks, so the more loans are granted, the more losses are expected.
Therefore, one of the objectives of commercial banks is to manage losses well, since Bankers unavoidable and hence, charge it against the income generated with the obvious aftermath of depleting profit and in some severe cases, liquidates the affected banks through all business regrettably in cure bad debts but bankers whose stock in trade is money views debt incidences with dread.

1.2 STATEMENT OF PROBLEM
This research work is concerned with commercial bank lending practices and incidence of bad debt in Nigeria. The problems include:
(1) Bad debt results from inefficient management and also from dishonesty of customer, which might even leads to distress.
(2) This unfortu