THE IMPACT OF MANAGEMENT INFORMATION SYSTEM ON BANK LENDING DECISIONS.

(A CASE STUDY OF STANDARD TRUST BANK PLC, ENUGU)

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ABSTRACT

This study was embarked upon to ascertain the impact of Management Information System in bank lending decision. This study has a total of three chapters.

In chapter one, which is the introduction it emphasize that the more bank management utilize the management information system in bank transactions, greater the tendency to make a profitable lending decision, the extent to which bank management uses accounting information determines the extent to which bad debt can be avoided the more bank officials verify proposal by their benefit carries the more the bank make a profitable investment.

In chapter two, which is the literature review. Here the earlier of erudite scholars theorist and analyst and its relevance to the study were analysed. Also the use of bc which is capacity, collateral, condition capital and character was elaborated on how management can used them extensively in assessing proposal for loan.

In chapter three, which is the last chapter funding were summarized which include that management information system is desirable and indispensable in bank lending decision that the utilization of the accounting to a higher percentage hand to a profitable investments to the bank employ it and unprofitable investment to the bank that did not employ it.

TABLE OF CONTENT

CHAPTER ONE

INTRODUCTION 1
- GENERAL BACKGROUND OF SUBJECT MATTER 1
- PROBLEMS ASSOCIATED WITH THE SUBJECT MATTER 4
- PROBLEMS THAT THE STUDY WILL BE CONCERNED WITH 6
- THE IMPORTANCE OF STUDYING THE AREA 7
- DEFINITION OF IMPORTANT TERMS 7
- REFERENCE USING APA METHODS 8

CHAPTER TWO

LITERATURE REVIEW 10

2.1 ORIGIN OF THE SUBJECT AREA 10

2.2 SCHOOLS OF THOUGHT WITHIN THE SUBJECT AREA 15

2.3 THE SCHOOL OF THOUGHT RELATED TO THE PROBLEM AREA 19

2.4 DIFFERENT METHODS OF STUDYING THE PROBLEM 21

2.5 SUMMARY 25

REFERENCE 27

CHAPTER THREE

3.1 DATA PRESENTATION 28

3.3 RECOMMENDATION 41

3.4 CONCLUSION 42

3.5 REFERENCE. 44

CHAPTER 1

INTRODUCTION

GENERAL BACKGROUND OF THE SUBJECT MATTER

Standard trust bank Plc commenced operation in August 1997 as a commercial bank with five business offices driven by a board of directors a management team and staff focused on revolutionizing the Nigerian banking industry following the resolution of the board of directors at an extra ordinary general meeting on 19^th July 2002 the bank became a public limited company (PLC), from the humble beginning, they have been able to record modest achievements, which makes them today one of the leading banks in Nigeria.

Standard trust bank remains one of the most stable and consistently growing banks in the country. Efficient assets actualization and Management resulted in the growth of balance sheet size from N984 million in 1997 to N21,343 billion in 1990 and N9,945 billion by the end of 2001/2001 financial year. The ban k has a full range of banking services and products provided to delight their customers. They include personal/corporate savings account standard care account, personal/corporate current account Domiciliary account standard flexi-fixed account and so in any business outfit, be it government or privates beyond, the moment of decision taking presents challenges to the executives.

Decision taking is a life wire of any organization as the future growth of the enterprise depends largely on the soundness and unsoundness of such decisions, for the banking sector in particular; the importance of valid decision in enhancing its growth and profitability cannot be over stretched. The banking industry in Nigeria is in a state of chaos.

Most of the banks are classified as distressed, some of them have been liquidated while some are ordered to recapitalize or face liquidation. The dangerous trend in the banking industry has sent a disturbing wave to the national economy. In a rapid reaction to salvage the banking industry and save the economy from collapses the government enacted the failed and established a tribunal to try the forever decision makers and takers in the banks who have contribute to the banks failure.

The utilization of management information system on banks lending decisions will make a lot of impact in enhancing banking growth and productivity. The usefulness of the management information cannot be restricted to the lending banks. Osisionma (1990) classified management information into three parts, which include store-keeping information, attention directing information and problem solving information. Management information contain such details as regard banks financial standing and long term viability, some of the ways banks lend money are through banks overdraft and other advances it can make to various categories of its customers. Before banks lend money they are interested in the ability of their ability to refund the loan at the appropriate time.

Management information is indispensable in granting such loan, overdraft and other advances also in monitoring the realized of the disbursed funds. Before the decision is reached management information should be sought for the choices as well as the outcome of the possible decision. Having critically estimated cost of each alternative and bearing in mind that the major aim of banks is maximizing profit, the management of the bank use the data and basis, provided in management information in taking decision that is in line with the goals of the organization.

Management information represents the real life situation of the banks, which cannot be ignored in lending. It is very useful in planning, co-coordinating. It is very useful in planning, coordination and control. Moreover, with management information every lending decision will be based on data that have first of all to be selected, collected, verified and subsequently utilized for growth, profitability and viability of the bank.

PROBLEMS ASSOCIATE WITH THE SUBJECT MATTER

Recent development in the banking industry in Nigeria has shown that most of the bank management and decision takers have grossly violate in their operation. Most affected in the violation is the banking regulation the misuse, abuse and total neglect of management information in bank lending decision.

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GTBANK
Account Name : Chi E-Concept Int’l
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First Bank:
Account Name: Chi E-Concept Int’l
Account Name: 3059320631