WORKING CAPITAL MANAGEMENT IN AUTOMOBILE INDUSTRY

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
Working capital is the ability of a business to meet its short-term liabilities as the full due out of its short-term assets.
It is therefore necessary that an industry should always maintain a well-articulated and consistent management of its working capital.
To facilitate the exposition of this research work for a clear understanding by our readers, this work had been divided into three chapters. In course of the study hypothesis were development, it was observed that automobile industry had adequate working capital to improve efficiency of its production we observed that automobile industry had adequate and good quality capital position though it has no credit policy for its customers.
Based on these we concluded that, automobile industry has effective working capital management. Also we provided some useful suggestions that can further improve the effectiveness of the industry’s working capital management. The suggestions include the establishment of credit policy and embarking on marketing strategy organizing of symposium and seminars on working capital management.

TABLE OF CONTENTS

Chapter One:
1.0 Introduction
1.1 Background of the Study
1.2 Statement of the Problem
1.3 Purpose of the Study
1.4 Significance of the Study

Chapter Two:
2.1 Review of Related Literature
2.2 Working Capital Management an Overview
2.3 Management of Cash
2.4 Management of Inventories
2.5 Management of Debtors
2.6 Management of Creditors
2.7 Method of Data Collected

Chapter Three:
3.1 Design and Methodology
3.2 Sources of Data
3.3 Location of Data

Chapter Four:
4.0 Summary of Findings

Chapter Five:
5.0 Recommendation and Conclusion
Bibliography

CHAPTER ONE
1.0 INTRODUCTION:
1.1 BACKGROUND OF THE STUDY:
In the early 70’s there was an economic from in Nigeria and manufacturing industries inspite of widespread misapplica and diversion of resources still returned handsome profits. Companies expanded and prospered as a result and effective management became insignificant.
However, in the early 80’s, Nigeria started witnessing an austere economic condition due to global oil fall in price.
Business environment became so complex that most manufacturing industries and other sectors of the economy started findings things difficult.
Hence the need for effective management of resources became imperative.
The financial resources of the manufacturing industries were one of the major casualties. The companies liquid asset were inadequate to meet its day to day requirement of fund and a newly established company require adequate working capital to be able to start off operation effectively.
Good working capital management is vital to effective financial obligation of an industry.
It is therefore imperative at this point to illustrate the definition of working capital. It represent asset used in the day-to-day mining of an enterprise.
In other words, working capital in the net investment in current assets.
Working capital also indicates in a general sense, the ability of a business to meet it short-term liabilities as they fall due out of its short-term asset.
However the importance of working capital cannot be over emphasized. Explicate survey has revealed that there is growing awareness of importance of capital and its influence on the success of a business organization.
Based on the above general premises of our discussion, working capital management refers to all aspect of administration of both currents asset and liabilities working capital requires a careful and mutinous management as its effectiveness make a gloomy business likely and prosperous.
As a result of the impact of working capital on a business, this study is to assess the working capital management in manufacturing industries within Anammco.

1.2 STATEMENT OF THE PROBLEM:
A critical overview at the trend of business activities over some years in Nigeria will reveal a consistent increase in cost and lowering profit.
It puzzles one why manufacturing industries in Nigeria have not been operating efficiently, is it because of unavailability of raw materials? Or is it lack of managerial expertise. We noted the practise of working capital management in manufacturing industries yet the problem lingers on.

PROBLEMS AND PROSPECTS OF FINANCING HEALTH CARE DELIVERY 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 Objective of the Study
1.4 Significance of the Study
1.5 Limitation of the Study
1.6 Definition of Terms
References.

CHAPTER TWO – LITERATURE REVIEW
2.1 Definition, aims and Objective of financing Health care delivery.
2.2 Methods and types of financing Health care.
2.3 Determination of financing health care
2.4 Cost – Benefit consideration on financing Health care.
2.5 Evaluation of the Programme
References
CHAPTER THREE – RESEARCH DESIGN AND METHODOLOGY.
3.1 Source of data (Secondary Source)
3.2 Location of data
3.3 Method of data collection
References
CHAPTER FOUR – FINDINGS
CHAPTER FIVE – RECOMMENDATIONS AND CONCLUSION
5.1 Recommendations
5.2 Conclusions
References.

ABSTRACT
Through the apes, there have been persistent efforts to improve good health and standards of human life. Health is said to be wealth. That is why the researcher wants to find out the problem and prospect of financing Health care delivery in Nigeria. To achieve this objective, the right atmosphere must be provided, co-ordinated and directed for effective result.
The objective of health care is the attainment of good health to all sundry and effective medical attention to the people. The extent by which this is implemented is very vital to this study that is where finance comes in.
The researcher used two distinct types of data collection instruments on the write up. Questionnaire and library research.
The findings of the study was based on inadequate of fund on hospital facilities, inappropriate of funds allocated, inadequate payment of salaries to health workers and underpayment of salary in regard to government approval.
The recommendation and conclusions were drawn from the findings of the study.

CHAPTER ONE
INTRODUCTION
1.1 BACKGROUND OF THE STUDY
Nigeria is once again on the roller caster of a new clinche
“2010” with health care reform as one of the major pivots of the vision. The tremendous rate our medical personnel’s (Doctor and Nurses) travels out of the country for greener pasture has caused
More harm to his country than good.
The percentage of death rate as a result of treatment by in experienced Doctor and Nurses are numerous. Our intelligent and future hopes were deformed by one disease or the other because of treatment by non-experts.
ODUTOLA, (1997) in his book demonstrated that “our hospitals have become mere consulting clinics”.
“Our health care system has collapsed”
“Our hospital are short everything”
What then is our hope and aim towards achieving the goal of vision 2010.
This motivated the researcher to identify the problems and prospects of financing Health care Delivery in Nigeria.
1.2 STATEMENT OF THE PROBLEM
The research work is concerned with the problems and prospects of financing health care delivery programme in Nigeria. The level of service offered to the health system is very low. This is with particular reference to staff attitudes and performance. They cried bitterly of their salary as to compare to other co-medical personeels in other countries. They were promised to be paid, but was not effective some of them decided to travel out of country for better future.
Some hospitals requires refurbishment and other need certain amenities, but none was done, rather they were closed down and some becomes unfuctional Hospitals preemies are littered

THE ROLE OF CAPITAL MARKET IN FEDERAL GOVERNMENT FINANCING

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
1.2 STATEMENT OF THE PROBLEM 2
1.3 PURPOSE/OBJECTIVE OF THE STUDY 4
1.4 SIGNIFICANCE OF THE STUDY 5
1.5 LIMITATIONS OF THE STUDY 5

CHAPTER TWO
REVIEW OF RELATED LITERATURE 7

CHAPTER THREE
RESEARCH DESIGN AND METHODOLOGY
3.1 SOURCES OF DATA (SECONDARY SOURCES) 22
3.2 LOCATION OF DATA 23
3.3 METHODS OF DATA COLLECTION 23

CHAPTER FOUR
FINDING 24

CHAPTER FIVE
RECOMMENDATION AND CONCLUSION 26
BIBLIOGRAPHY 30
CHAPTER ONE
INTRODUCTION
1.1 BACKGROUND OF THE STUDY
Broadly speaking, there are two kinds of chance revolutionary or discontinuous change which is gradually and common (suble) yet dynamic.
It is this latter form of change that is advocated for the development of Nigerian securities market vis-avis the capital market as a means of sourcing funds for the public sector.
Right from the day Nigeria returned their independence till date, the country has been searching for economic change and development that would bring better living for her feering population. This economic change and development could only be made possible by the public sector with enough of finance for its long-term project.
However, comes the vital role, which the Nigerian capital market plays in the development of the nation. The public sector today knows no bound. What was seen as the public sector twenty years back will be grossly inadequate of considered as the public sector of present day Nigeria. Due to this seeming limitless nature of the public sector which embraces local, state and federal governments. The expenditure of these various government are always on the increase. But with the privatization and commercialization programme of federal government parastatals had either it runed down or put to an end to.
The deregulation of the capital market is meant to bring about sanity to the operation of the capital market to foster the much needed role of providing capital or funds to the public sector for its financial obligations.

1.2 STATEMENT OF THE PROBLEM
In the course of this study some problems associated with the Nigerian capital market have been identified.
These includes:
1. The frequent change of the federal government does not lead to changes in economic policies. These changes may in turn affect the operation of the capital market.
2. With the final release of the deregulation guidelines of the capital market, the issuing houses now to securities valuation. These could lead to inside dealings whereby those in position

BANK FAILURE AND ECONOMIC DEVELOPMENT IN NIGERIA; A CRITICAL APPRAISAL

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:
1.1 THE BACKGROUND OF THE STUDY
1.2 Statement of problems
1.3 Objective of study
1.4 Significance of study
1.5 Limitation of study
1.6 Definition of terms
1.7 Reference
CHAPTER TWO:
2. 0 Literature review
2.1 Genesis of banking in Nigeria
2.2 Type of banking in Nigeria
2.3 Functions of banking
2.4 Similarities and differences among banks
2.5 Role of bank in the economic development
2.6 The Nigeria banking climate
2.7 Problems faced by banks
2.8 The concept of banking failure
2.9 Causes of banking failure
2.10 Indices of banking failure
2.11 Effect of bank failure
2.12 Reference.

CHATER THREE:
3.1 Research methodology
3.2 Sapling techniques
3.3 Data collection
3.4 Source of secondary data
3.5 Method of analysis
3.6 Reference

CHAPTER FOUR:

4.0 Findings
4.1 General discussion
4.2 Reference

CHAPTER FIVE:

5.0 Recommendation and conclusion
5.1 Recommendation
5.2 Conclusion
5.3 Biography

CHAPTER ONE
1.1 INTRODUCTION:
Over the last couple of decades, the Nigeria financial system has grown remarkably. From the almost crude of it was characterized with in pre –colonial and colonial days. It has become so sophisticated toady that economic experts can proudly thumb their chests. With due regards to the ownership structure of the institution, the regulatory flame work, the instruments employed, and the number of established institution, Nigeria can be said to posses the most sophisticated financial system in Africa.

Within the Nigeria financial system itself, the banking system itself, the banking institution has been the most remarkable in growth. This is just as well in any case considering the critical position, which they occupy. In a complex financial position, which they occupy, in a complex financial position, which supplies the money and the credit, need of the economy.

The work bank and banker is neither used or define. In the central of Nigeria (CBN) degree NO 24 of the 1991 nor bank or other financial institutions decree (Bofio) No 25 of the 1991 2 of P5.115 of exchange act 1881 provides that bankers include a body of persons whether incorporated or not who carry out the business of banking. Section (1) of the evidence act define banks or bankers as any person or persons, partnership or company carrying on the business of banking.

Financially, the banking act of 1969 produces that bank means any person who carries out the business of banking and include commercial bank and an acceptance house. The role of banks is thus an important one in the process of economic development in the sense that they mobilize fund form the surplus spending and for the economy. In this way they increase the quantum of national saving and investments. Secondary though an appropriate investment multiplier. The volume of goods produced increase as a result of projects financed by bank funds, all of which lead to a successful promotion of an efficient system of payment. Creating banking habits development in the society and providing employment opportunities.

In view of this highlights, it become easily comprehensible why the failure of the bank has a far – reaching consequence.

The ability of a bank to operate successfully rest on how well they are able to obtained the confidence of the public. If that confidence is missing, the gap will be too great for the bank to fill. The effect of bank failure on the economic development of Nigeria can be express in a nut –shell to be the following;

Lack of effective and efficient financial intimidation:
Loss of public confidence in the system, further depression of the economic additional burdens on the regulatory authorities – education of the social vice for the sake of the citizenry and in the interest of economic development, there is an expedient need to device a host of remedying situations.

The fact that a bank fails today is not to say those incidences are not systematic. There must be a number of ways out of any predicament. The only crack is how effectively employed. Such remedy includes;

a) The cultivation of a stable political environment.
b) The strengthening of the regulatory agency
c) The taking over by regulatory bodies of all termnacy distressed banks.
d) Encouragement of banking education
e) Sincere pursuit by government of all economy and monetary policies
f) All regulation pertaining capital, adequacy, minimum paid up capital,

THE PROBLEMS OF BANKINGS HABITS OF THE RURAL COMMUNITIES 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 is intended to do analysis of rural banking habits f the rural communities of the Nigeria and to analyze the various problems militating against the successful implementation of the rural banking awareness from the central bank annual report and statement of account 1999. Survey conducted it was revealed that the country is under banked.
In this work, some plausible recommendations that will assist the monetary authorities in fashionry out practicable and attractive incentives for the banking ensuring the achievement of the objectives of the programmed will be made.
The third chapter of this shows the research design and methodology.
The chapter four of this talks about the summary of findings of this topics
Finally, chapter five comprises of conclusion and recommendation of this topic and the bibliography. I hope that this project will be of benefit to the problems of banking habits of the rural communities in Nigeria.

TABLE OF CONTENTS

Title page
Approval page
Dedication
Acknowledgement
Abstract
Table of contents

1.0 CHAPTER ONE
1.1 Introduction
1.2 Incentives use for the programme
1.3 Their statement of the problem
1.4 Objectives of the study
1.5 Significance of the study
1.6 Scope of and Limitation
1.7 Definition of Terms.
1.8 Reference.
CHAPTER TWO
2.1 The need for community banking
Reference

CHAPTER THREE
3.1 Source of data collection
3.2 Secondary method of data collection
3.3 Location of data
3.4 Method of data analysis.
Reference

CHAPTER FOUR
4.1 Summary of findings
Reference.

CHAPTER FIVE
5.1 Conclusion and Recommendation
Reference
Bibliography.

CHAPTER ONE

1.1 INTRODUCTION:
Since July 1997 which marked the official beginning of the rural banking programme for commercial banks, the economy of Nigeria has gone, through several changes each government continued policies it considered relevant banks have in recent times been confronted with challenges and they have called for introduction of one reform or directives so as to put it with our present economic realities. This role is about what should be the proper function of banks in the transformation of Nigeria alien economy. It is n this regard that the rural banking programe of commercial banks came as measure that will ensure effective grass root mobilization this resulted in settling up the Okigbo financial system review committee in 1976. This most important recommendations of the committee excepted by government include:
1) That banks should actively facilitate the transformation of the rural environment by promoting the rapid expansion of banking habits by the rural communities or committees. They will provide saving deposit facilities for their customers and there by help to mobilize rural funds outside the banking system. This served as a revenue for creation of credit in rural areas which will be in the form of equity and loan for small scale farmers, co-operative societies and entrepreneurs.
2) That bank lending policy in the past been in favour of short term lending, that they should allow the medium and long tern lending so as to give the long time instrument enough time to mature.
3) That banks should identify with national objectives. They maintained that decision making of banking should be localized.
4) That banks should be base a significant portion of their profit to improve the quality they offer.
The most striking of these recommendation was on the view
that rural banking programme of commercial bank should be established and that banks should allocate specific loan port-folio to their rural bank customers.
The rural banking programme of commercial bank was introduced with objectives and incentives.
1) The development of banking habits among rural dwellers.
2) To curb the excesses in crude banking practice such practice expose money to termites and render central bank monetary policy effective.
3) To provide an institutional agency to mobilize rural fund.
4) To improve agricultural production and the growth of allied industries by extending necessary credit to those sectors whose sources of credit to emanates from the local money lenders.
5) Diversification of rural economy in particular and the National economy in general.
6) Others include the pegging the rural-urban migration with the hope of reducing urban unemployment.

1.2 INCENTIVE USE FOR THE PROGRAMME.
To ensure its smooth take off some incentive were outlined to innovated banks. The incentives are:
a) Waving the requirement for feasibility report as a pure requisite for the establishment of a rural branch.
b) Allowing the banks the monopoly of providing banking services in their allocated centres for a period of two years starting from the day of opening.
c) Allowing banks to write-off the capital cost of erecting office banks and staff quarters with in a period of three years.
d) Exclusion of loans and advanced granted during the first two years to existence in the complication of:-
(i) Growth rates of loan and advances.
(ii) Ration of adjusted capital to loans and advances.
Infacts, as at 1989 monetary policy guideline the rural banks
were recruited to grant a minimum of 45% deposited taken from rural centres as loan to such centres. The first community was established in 1989 by Ibrahim Babangida.

1.3 THE STATEMENT OF PROBLEMS.
The essence of this study is to identify such key variable both endogenous and exogenous that affects that effective development of banking habit in Nigeria. The basic problem is inadequacy of infrastructural facilities in the rural communities.
Savings and investment moves in the same direction current investment is a function of accumulated savings rather, the death or our