SAVINGS MOBILIZATION FAR ECONOMIC DEVELOPMENT IN NIGERIA BANKING INDUSTRY (1990 – 2004)
CASE STUDY OF UNION BANK OF NIGERIA PLC

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
The research was based on the topic “mobilizing Domestics savings for economic growth and development in the banking industry. (A case study of Union Bank of Nig PLC 1999 – 2000. In carrying out this research, I examined thoroughly. The various factors, which militates severely against the effective and efficient mobilization of domestic savings these factors were identified to range from the level of income earned of the saver. The interest rate that the bank pays on depots of customers, to the effect of bank distress syndrome in the banking industry.
Efforts were geared towards recommending various measures the bank can use to improve greater mobilization of domestic resources in our bank. The various ways through which an increase in domestic savings mobilization can also effect on increase in economic growth and development were also identified. These include granting of loans and overdraft of to deficit customer, assisting in the provision of amenities to the host community generating employment and affirming of scholarship and promotional programmes. The research was accomplished through the use of questionnaires and secondary data. The testing and analysis of relevant data obtained were done through the use of chi – square statistical test techniques.
TABLE OF CONTENTS
Title page ii
Dedication iii
Approval page iv
Acknowledgement v
Abstract vi
Table of Contents viii
CHAPTER ONE
INTRODUCTION 1
1.1 Background of study 1
1.2 Statement of Problem 4
1.3 Purpose / Objective of Study 5
1.4 Research Questions 6
1.5 Research Hypothesis 7
1.6 Significance of the Study 9
1.7 Scope , Limitations and Delimitation 10
1.8 Definitions of terms 11
Reference 13
CHAPTER TWO
Review of related literature 14
2.1 Domestic Financial Resource Mobilization
Efforts of the Nigeria Financial System 15
2.2 Principal Sources of Savings 17
2.3 Constraints to Effective Mobilization of
Savings for Economic Growth and Development 19
2.4 Effect of Bank Distress in Mobilization of Savings.
2.5 Effects Of Income Earned To Savings Mobilization 25
2.6 Effect Of Interest Rate In Mobilization
Of Domestic Savings 29
2.7 Strategies for Improving Mobilization Or
Savings in Union Bank of Nigeria Plc 31
Reference 37
CHAPTER THREE
Research Design and Methodology 38
3.1 Research design 38
3.2 Area of Study 38
3.3 Population 39
3.4 Sample and Sampling Techniques 39
3.5 Instruments of data collection 40
3.6 Methods of Data Analysis 42
CHAPTER FOUR
Data Presentation and analysis 44
4.1 Data Presentation 44
4.2 Test of hypothesis 52
CHAPTER FIVE
Findings Recommendations and conclusion 63
5.1 Summary of Findings 63
5.2 Conclusion 65
5.3 Recommendation 66
Bibliography 69
Appendix 71

CHAPTER ONE
INTRODUCTION
1.1 BACKGROUND OF THE STUDY
It is universally acknowledged that the banking including play a catalytic role in t he process of economic growth and development. This acknowledgement is reinforced by contemporary conceptualism to the effect that banks are a veritable vehicle for mobilizing resources from su7plus units and tempting same to deficit unit. Banks constitute perhaps the most important segment of the financial market and played and a dominate vote in not mobilizing savings, but also allocating them for investment purposes.
In Nigeria, domestic savings rate is relatively low compared to most other developing counties with the same for capital income level. In the past, investment rates were high and hence there was no problem for raising funds.
Under the present economic dispensation, the companions or the drive for savings deposit has been stepped up by banks and non- bank financial institutions. It is Hoover not sufficient because the range and type of financial assets available are equally important. There is a wide range of saving instruments offered banks and non – bank financial institutions in Nigeria today.
However, most of the voluntary and non – contractual financial savings consist of savings and time deposit. Although other types of deposit such as savings certificate, premium savings bonds play any a miner rate, banks and non – bank (Moncial Institutions are today competing strongly among them instruments including additional frame benefits almost banks are now offering contractual forms of savings aimed at persuading depositors to invest in long term deposits.
Another area some banks are foreseeing to mobilize funds today is the montage saving: because large number of Nigerians need accommodation of their own but fund it difficult with their meager income. Interest payment a demand deposits accounts has also some positive impact on the propensity to save. Bank have also been allowed by the government to open domaliary account for Nigerian exporters in which proceed of experts can be paid or saved until when they are needed. Transaction costs related to operating a new accounts and making deposits and withdrawals are now be coming relatively easier particularly for small savers. There is also the pension scheme which seeks to induce depositors to invest small sums of money over a specified period of time in the hope of receiving a stream of benefits upon reacting the age of retirement.
Conversely the crisis of confidence in our banks is a great set bank for the banking system. In the past the majority of those who patronized the banks did so in order to find safer place for their money. And for many years bank in the country were the character of currency store house. But because of the lack of confidence in banks today s sizeable amount of Nigerians keep their currency or cash at home and this marks of most of cash unpaired by the banks. According to withstanding et al (1996:133), this one depositors resulting to cash drains. In the broadcast sense a cash drain refers to any kind of cash loss suffered by a bank.
This winders the financial intermediaries function of intermediation. Most of our industries depend on commercial bank assistance in form of overdraft short term and long loans for effective operation.

1.2 STATEMENT OF PROBLEM
Income posses the greatest constraint to savings mobilization. The generally low level of income among the people in Nigeria is a limiting factor to savings mobilization. The inadequate banking facilities in the economy in general and the rural areas in particular also constitute on obstacle to wide savings mobilization.
Growing frequency of incidences of found, insider abuses and malpractice which all combine in on unholy alliance to erode public confidence in financial institutions and do painful damage to whatever level of banking habit has been developed.
Another factor that may affect savings mobilization is the absence of affective a realistic interest rate policy that rewards savers with adequate return on their savings. It is argued that in as mush as the rate of interested adjusted for inflation various negative. Savings are likely to remain low. Perhaps the greatest problem in this country is that we run a cash economy. T

NATURE OF BANKING SERVICES 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

CHAPTER ONE
INTRODUCTION
1.1 Background of the study
1.2 Statement of the problem
1.3 Purpose and objective of the study
1.4 Significant of the study
1.5 Limitation of the study
References

CHAPTER TWO
2.0 Review of related literature
2.1 Bank services nature
Reference

CHAPTER THREE
3.0 Research design and methodology
3.1 Sources of data (Secondary source only)
3.2 Location of data
3.3 Method of data collection
Reference

CHAPTER FOUR
4.0 Findings

CHAPTER FIVE
5.0 Recommendation and conclusion
5.1 Recommendation
5.2 Conclusion

ABSTRACT

This is a research into the nature of banking services to find out the reason and suggest toward the performance creditably in banking services.
Having carried out an intensive research I cam to the following recommendations/conclusion.
The customers can do without the banks but the banks cannot do without the customers. Therefore the bank staff should be polite and honest enough to the customers, attending to them promptly and not regarding services rendered as favours done to them.
Bank services must be sold like any other product, and product life cycle evident in other industries must be allowed its rightful place in the banking industry as well.
Therefore, unlike one predecessors who confined themselves to the branch, we must have to put on the apron of salesmen to give our services the advertisement it required, adjusting to changing environment customers demands. And above all, the customer is always right.

PREFACE

To keep pace with the ever-increasing demand of business for diverse bank services there have been over the pas few years, a continuous and general modernizing of approaches to the nature of bank services.
In the past few years there has been evidence the appearance and acceptance of recently produced write up to review and up-date the changes that has taken place in the nature of bank services.
The point is that the traditional or so-called old approaches no longer have a place on this subject. Nature of banking services. How ever, my idea is that there has been an in balance between the old approaches of banker themselves they render and the modernized approach where the banker assumes more of the role of a salesman as required by the changing business environment.

CHAPTER ONE

1.0     INTRODUCAION

The nature of banking services in the last few decades has made itself felt in almost every phase of human activity. The changes which have occurred in recent years in the environment respecting demands of customers for bank services in enough justification for reviews and changes in the method of banking procedures. I must first of all like its to realize that a new era has been born in the role of banking services in Nigeria.

1.1     BACKGOUND OF THE STUDY

Sometimes in the past, it was fashionable for bankers to confine themselves to the fore walls of the bank expectation business to come to them. No wonder then the traditional view as summed up along ago by George Rare had this to say: “…….it is for its customers to come to the bank, and not for the bank to go to them…. The Manager has to be so much a fixture in the office, during the business desks or the bank counter, we as banker, must be sensitive to changing public demand and aspiration whether they are desire to obtain improved services or new ones.

The concept of product life cycle, evident in other industries should be allowed is pride of place in banking industry as well. Fresh and tempting products must be introduced, but equally, it must be expected that service will be removed form the range from time to time as and when the situation warrants. The fact remains that bank services nature must be sold just like any other nature product.

It is the view of some people and correctly too that the introduction of the word nature changes the operational zone of the banker just as every other natural thing takes up a metamorphose changes. We need to bring to light the differences between the modern bank manager status in the apron of a salesman and the old fashioned transfer who are yet to realize that the nature of bank services is now a case of the buyer’s own lot and not the seller, who only sells out when business only comes to him in the office. Thus, whatever, services and special skills or strengths a bank possesses there is needed to advertise the name of the bank and the services it can render to the public.

1.2     STATEMENT OF THE PROBLEM

The efficient nature of bank services is indispensable if economic development becomes a must. This work is therefore aimed at studying the staff – client relationship with special emphasis on how this relationship affects their performance in such areas as courtesy, prompt attention to clients, professional guidance and communication.

(a)      COURTESY: This is the act of being polite and accommodating in all dealing of staff with customers. The staff should render to use the right choice of words, as carelessness and uncooperative attitude will leave the customer unsatisfied.

(b)     PROMPT ATTENTION TO CLIENTS: Bankers should attend to their customers with minimum delay. Long queues in banks are not ideal to the nature of our banking services and should be curbed.

(c)      COMMUNICATION: The need for an efficient communication system for easy transfer of money, clearing of cheques and contact with customers when desired etc cannot be over emphasized

PROFESSIONAL GUIDANCE: This is the area the banker are expected to exhibit their professional competence. For a banker to be able to advice competently, on whether to invest or not the should not limit his appraisal of the customers performance to an – examination of the historical balance

FINANCIAL DISTRESS IN SOURCE COMMERCIAL BANK REASONS, CONSEQUENCES AND SOLUTION

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

A descriptive study was made about financial distress in some commercial banks using secondary statistics.
This research work designed to describe the financial distress in some Commercial Bank in Nigeria.
The study also took at the follow objective such as; nature and types of financial distress facing source commercial banks, the banks involved.
It was also discovered that distress is caused is a result of poor management, insolvency, low asset base inadequacy of capital e.t.c.
Therefore, commendation such as: Inadequate, Funding, Increased assets base, provisions for adequate liquidity.
Also such research should be done to other non-financial banking institution and other West African Country.

CHAPTER ONE
Background of the Study
Statement of Problem
Objective of the Study
Significant of the Study
Delimitation/Limitation of the Study
Delimitation of Terms

CHAPTER TWO
Literature Review
CHAPTER THREE
Research Design/Methodology
Sources of Data, Primary and Secondary Location Data.

CHAPTER FOUR
Summary and findings

CHAPTER FIVE
Recommendation
Conclusion
Biography

CHAPTER ONE

1.1 BACKGROUND OF THE STUDY
In Nigerian Banking system considering the last decade the Commercial Banking to be praise had undergone a rapid expansion both in terms of the number of Institution and the scope of financial services rendered.
As bank increasing was liberalized so was the scared of instability sown in these banking system at the sometime.
As these expansion trend continuous, a sign of lacked vision among the investors and the directs motive of quick return to satisfy liquidity operation. The word distress had been in assistance but increased promptly as these institution increased due to acute shortage of resources and the massive withdrawal of deposits by government agencies and other public sectors from these banks.
The development trend the financial structure, exposed and undermine the economic system which impact development of the economy. Therefore, distress places a great burden on regulation, authority, depress the economy undermine the payment system and discourage savings.

1.2 STATEMENT OF THE PROBLEM
Some Commercial banks have been divided to assist in loans and advance to various sectors of the economy.
And the Commercial banking is know as retail banking which accept deposit and makes payment to his customers.
But the financial condition of source of these Commercial Banking due to the political instablility/lactory campaign that wad on. Political analyst describes the allocation to be one of the brutal crises that was to come. Therefore, there was price withdrawal of fund by these bank customers. These Institutes is now bogged down by distress, insolvency, poor liquidity due to deadline in deposit and the confidence. The crisis has been averted and the urgency prompted the study. This research work is disquiet to describe the financial distress in some Commercial Banking System in Nigeria.

TOPIC FRAUD IN NIGERIAN BANKING SYSTEM

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

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

ORDER NOW

COMPLETE MATERIAL  COST  N2,500 Or $10.  FRESH  PROJECT MATERIAL  COST 50,000 NAIRA FOR UNDERGRADUATE, OTHERS 100,000 -200,000 NAIRA.

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.

CALL OUR  CUSTOMERS CARE  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 1 HOURS ONCE WILL CONFIRM YOUR PAYMENT.

WE HAVE SECURITY IN OUR BUSINESS.   

MONEY BACK GUARANTEE

ABSTRACT

This project with a paramount objective to finding dependable solution to the problems of fraud in Nigeria is justified by the need for true banking system in Nigeria, restoring the customers confidence in the bank just to mention but a few. The choice of African International bank ltd (ATB) as the case study wasn’t taken fortuitously but an obvious one due to its oldest, highest and growth, capacity and so ideas and experience pertaining to the topic.
Data for this research were collected many through the use of interview. Data collected were analyzed using the simple percentage method of analysis, more so, the chapter one of this work introduces the topic as well as the background, chapter two review the related literature review, chapter three touches the research design and methodology, Chapter four all about the findings discoveries, in chapter five I concluded as well as suggested some points the will and ½ further research.
TABLE OF CONTENT

CHAPTER ONE
1.0 INTRUDUCTION
1.1 BACKGROUND OF STUDY
1.2 STATEMENT OF PROBLEMS
1.3 PUROSE/OBJECTIVES OF THE STUDY
1.4 SIGNIFICANCE OF THE STUDY
1.5 LIMITATIONS OF THE STUDY

CHAPTER TWO
2.0 LITERATURE REVIEW
2.1 DEFINITION OF FRAUD
2.2 CAUSES OF FRAUD IN OUR FINANCIAL INSTITUTIONS
2.3 PERPERATORS OF BANK FRAUD
2.4 CONSEQUENCES OF FFRAUD
2.5 PROPOSED INVESTIGATION
2.6 TECHNIQUES OF FARUD CONTROL IN BANKS

CHAPTER THREE
3.0 RESEARCH DESIGN AND METROBIOLOGY
3.1 SOURCES OF DATA
3.2 LIXATION OF DATA
3.3 METHODS OF DATA COLLECTION

CHAPTER FOUR
4.0 FINDINGS

CHAPTER FIVE
5.0 RECOMMENDATION AND CONCLUSION
5.1 RECOMMENDATION
5.2 CONCLUSION
BIBLOGRAPHY.

CHAPTER ONE

INTRUDUCTION
1.1 BACKGROUND OF STUDY
The banking system in Nigeria from 1993 till data has been characterized by diverse mismanagement resorting from so many factors ranging from volume of capital to bank reserve in made of transaction, bankers/customer relationship and on the human factor frauds which have till date been threatening the corporate existence of the banking system in Nigeria (AKIN TNDE: 2002,P34).
‘Fraud as the subject matter of this project, is not a very helpful term, its essential meaning is “dishonesty” but generally fraud as also implies a measure of at least attempted concealments and certain an intention to gain on the part of the defrauder (Okeke: 200,P.1). Fraud is such wide spread corruption involving humorous and repeated acts that have characterized cased of public scandal. It is impossible to give definite fraud for the number of frauds perpetrated in the banking system. Most cases probably go undetected and those reported are often difficult to measure.
Fraudsters capitalize on certain loopholes in the banking system to manipulate figures thereby increasing fraudulent practices in Nigeria banking system. It is due to this increasing trends of frauds in the Nigeria banking system that has inspired us to undertake the study, that is
a) To identify the causes of frauds in Nigeria Banking System.
b) To point out the dangers of frauds to our economy.

1.2 STATEMENT OF PROBLEMS
Without mincing words, fraud is the problems. We shall see in the course of this work, the causes of fraudulent activities in the Nigeria banking system. Banking meaning the act of receiving, keeping and safeguarding money and other items of utmost security while fraud is an act of deceit of person(s) by person(s) in other to make money and the likes, illegally. Having understood these two key words, we shall now see some to the problems of fraud fraudulent activities in the highest order as regards our banking system

AN EVALUATION OF THE IMPACT OF COMMERCIAL BANK LENDING ON SMALL SCALE INDUSTRIES 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

CHAPTER ONE
1.0 INTRODUCTION
1.1 BACKGROUND OF T HE STUDY
1.2 STATEMENT OF THE PROBLEM
1.3 OBJECTIVES OF THE STUDY
1.4 SIGNIFICANCE OF THE STUDY
1.5 LIMITATION OF THE STUDY
1.6 DEFINITION OF YEARS

CHAPTER TWO
2.0 REVIEW OF RELATED LITERATURE
CHAPTER THREE
3.0 RESEARCH DESIGN AND TECHNOLOGY
3.1 SOURCES OF DATA (SECONDARY SOURCES ONLY)
3.2 LOCATION OF DATA
3.3 THE METHODS OF DATA COLLECTION

CHAPTER FOUR
4.0 FINDINGS.

CHAPTER FIVE
5.0 CONCLUSION
5.1 RECOMMENDATION
BIBLIOGRAPHY

CHAPTER ONE
INTRODUCTION
1.1 BACKGROUND OF THE STUDY
It is certain that Nigeria is endowed with a lot of natural resources. These resources to mention but a few are skel, crude oil, natural gas, Iron ore, palm oil, ground nut yam, cassava etc. these resources found the major export earning before the era of independence an generate 80% of our then total revenue the precolorual era could be regarded as era of substance economy. Each community then was noted for one particular raft or the other some families were known as either artists or blacksmiths on their craft as their source of livelihood ad they were operating as subsistence level fermi (1984)

As a result of increased population and increased demand for these service, there were efforts to increase specialization an efficiency by these craftsmen it worth knowing that there was little or capital intensive Because of this lack of capital intensive, production possibilities curing the precolonial, the federal government did not free movement towards the upliftment of the
industries. The economy under the precolonial, the federal government. What merely existed was the cowry monetary system. Hence, the luck for efficient and effective monesed economy did not exert a concrete influence on economic activities. To foster the industry, there was the introduction of banking system which facilitated granting for credit facilitates e.g. loan and advance (Nwosu 1984)
In post independence economy, the government made no remarkable impact on small-scale industries establishment. The federal government in order to protect the small-scale industries (SSTS) In the country introduces the structural adjustment programme (SAP), which was design to exhibit reliance. It allows the SSTS to g row without unhealthy competition with the foreign goods, as it discouraged the importation of raw material that can be preceded locally.

The measures introduced to boast the growth small scale industries (SST’S) include the establishment of national economic reconstruction fund (NERFUND) and the small and medium enterprises (SIGE) fund which is

manned by the CBN. Inspite of these effort by the government, the SSE’s are still struggling to liberate themselves from financial arises the small scale industries (SSI’) tends to differ among countries and individual
The central bank of Nigeria (CBN) create guidance to commercial and merchant bank for this purpose therefore, small scale enterprises shall include cottage industries and defined as enterprises who cost excluded cost of lend but including working capital does not exceeds N10, CBN (1994)

1.2 STATEMENT OF THE PROBLEM
It is obvious that much is gained economically and otherwise form the establishment of small-scale industries in any economy, Nigeria as a case point should not be an exception. This present economic situation in the country in such that one need to wonders above the small-scale industries. These are many commercial bank today in Nigeria shall be complete monetary in native for the survival of the economy.

Presently, the small-scale industries are very much dependants on commercial
banks funding for effective growth. The government in recognition of the need to eradicate the funding problem of small-scale industries has stipulated a lot of rules gathered towards adequate funding of the small-scale industries.

The research is interested in