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Banking And Finance Project MateriaLS PREVIEW

PROBLEMS AND PROSPECTS OF COMMUNITY BANKS IN THE RURAL DEVELOPMENT OF NIGERIA.

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PROBLEMS AND PROSPECTS OF COMMUNITY BANKS IN THE RURAL DEVELOPMENT OF NIGERIA.
(A CASE STUDY OF OGUI COMMUNITY BANK, ENUGU SOUTH L. G. A.)

 

 

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

MAKE YOUR PAYMENT  INTO ANY OF THE FOLLOWING BANKS:
 GTBANK
Account Name : Chi E-Concept Int’l
ACCOUNT NUMBER:  0115939447
First Bank:
Account Name: Chi E-Concept Int’l
Account Name: 3059320631

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.

Enter Amount

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 community banking scheme has been in operation since December 1990, and has to a large extent achieved its objectives as a vehicle for poverty alleviation at the grassroots’ level. With about 1000 unit community banks and hundreds of thousands of customers, the banking habit has reasonably increased in the rural areas.
The poor farmers, cattle rears, fisher men and artisans who might not have collateral but are hardworking could get loans from their community banks for productive activities thereby boasting the gross domestic products of the country. Since government encouraged the communities to invest in community banks, the scheme should be supported to succeed. It is cheaper way of sustainable development of the rural areas in the short, medium and long term.
However, in examining the problems and prospects of the community bank in the rural development of Nigeria, some prepared Questionnaire were distributed to Ogui Urban Community Bank of Nigeria Ltd. staff in Enugu. Information received from the responses were supplemented with oral interview, personal observation and the review of some related books and journals.
The responses from the returned questionnaire were analyzed and the result of the analysis were later converted into table percentages.
Recommendation were made based on information obtained and some literature reviewed.
Finally, conclusion was drawn on the topic studied.

TABLE OF CONTENT

CHAPTER ONE
INTRODUCTION
1.1 Problem Identification and Purpose of Study
1.2 Rationale of the Study
1.3 Significance of the Study
1.4 Background of the Study
1.5 Definition of Terms
CHAPTER TWO
LITERATURE REVIEW
2.1 Theoretical Review
2.2 Empirical Review
CHAPTER THREE
RESEARCH DESIGN
3.1 Hypothesis of the Study
3.2 Research Tools and Procedure
3.3 Source of Data
3.4 Limitation of the study
CHAPTER FOUR
DATA PRESENTATION AND ANALYSIS
4.1 Presentation of the Data
4.2 Analysis of Data
4.3 Discussion of the Result
CHAPTER FIVE
Summary, Conclusion and Recommendation
5.1 Summary of the Study
5.2 Conclusion
5.3 a. Recommendation of the Study
b. Recommendation for Further Studies
BIBLIOGRAPHY

CHAPTER ONE

INTRODUCTION
1.1 PROBLEM IDENTIFICATION AND PURPOSE OF THE STUDY
The community bank is a financial institution established to carter to the savings and credit needs of small – scale producers throughout the country. Thus, the institution represents the coalescence and modernization of traditional institutions with which most Nigerians are very familiar with, the rotating savings and credit institutions known as “isusu” and the other town union or community development association.
It was clear that inspite of government policy such as the agricultural credit quarantee scheme, conventional commercial banks and even development banking institutions face serious constraints in attending to the credit needs of millions of small producers in which most of whom have no collateral to put down on security.
The purpose of the study in this research includes:
a. To evaluate the role of Ogui Community Bank in rural development.
b. To investigate the problems facing the community banking system with special emphasis on community bank.
c. To make recommendations for the improvement of community banking system represented by Ogui Community Bank.

1.2 RATIONALE OF THE STUDY
The rationale of the study is aimed at helping researchers to evaluate the role of Ogui Community Bank in rural development.
Thus, they enlighten the community on the effective use of credit and other banking services so as to enhance individual, collective and community production and development. It will help them perform non – banking

Banking And Finance Project MateriaLS PREVIEW

THE IMPLICATION OF RECAPITALIZATION POLICY ON THE PERFORMANCE OF UNITED BANK FOR AFRICA [UBA]

THE IMPLICATION OF RECAPITALIZATION POLICY ON THE PERFORMANCE OF UNITED BANK FOR AFRICA [UBA]

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

MAKE YOUR PAYMENT  INTO ANY OF THE FOLLOWING BANKS:
 GTBANK
Account Name : Chi E-Concept Int’l
ACCOUNT NUMBER:  0115939447
First Bank:
Account Name: Chi E-Concept Int’l
Account Name: 3059320631

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.

Enter Amount

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 study examines the current banking sector reforms and repositioning through recapitalization for competitive advantage with a particular reference to United Bank for Africa. The study further discovered that the fragile banking system in Nigeria create a number of problems in the country. This includes lost of depositor’s money, loss of jobs, loss of confidence in the banking system, major financial crises resulting in failure and distress banking syndrome, and inability of the banks to contribute in any significant ways to national development. Finally, the study discovers that in order for United Bank for Africa to strategically reposition itself fro competitive advantage in the post recapitalization era. More emphasis are needed in areas of marketing, information technology, customer services quality of personnel and technology.

 

TABLE OF CONTENTS

Title page  –         –         –         –         –         –         –         –         –         i

Declaration         –         –         –         –         –         –         –         –         ii

Approval page     –         –         –         –         –         –         –         –         iii

Dedication –         –         –         –         –         –         –         –         –         iv

Acknowledgment         –         –         –         –         –         –         –         v

Abstract     –         –         –         –         –         –         –         –         –         vii

Table of Contents        –         –         –         –         –         –         –         viii

CHAPTER ONE

INTRODUCTION

1.0     Background of the Study      –         –         –         –         –         1

1.1     Statement of the Problem    –         –         –         –         –         4

1.2     Objective of the Study –         –         –         –         –         –         6

1.3     Research Questions     –         –         –         –         –         –         6

1.4     Significance of the Study      –         –         –         –         –         7

1.5     Scope of the Study       –         –         –         –         –         –         9

1.6     Limitation of the Study         –         –         –         –         –         9

1.7     Definition of Terms     –         –         –         –         –         –         10

CHAPTER TWO

LITERATURE REVIEW

2.1     Introduction        –         –         –         –         –         –         –         12

2.2     The Concept of Recapitalization   –         –         –         –         13

2.3     Recapitalization in Developed Countries        –         –         16

2.5     Trend of Recapitalization in Nigerian Banks –         –         26

2.6     Recapitalization and Banks Performance       –         –         9

 

CHAPTER THREE

RESEARCH METHODOLOGY

3.1     Introduction        –         –         –         –         –         –         –         34

3.1     Area of the Study         –         –         –         –         –         –         35

3.2     Research Design          –         –         –         –         –         –         35

3.3     Population of the Study        –         –         –         –         –         35

3.4     Sample Size and Sampling Finding        –         –         –         36

3.5     Data Collection Instrument           –         –         –         –         36

3.6     Administration of Instrument       –         –         –         –         36

3.7     Method used in Analysis of this Study   –         –         –         37

CHAPTER FOUR

DATA PRESENTATION AND ANALYSIS

4.1     Introduction        –         –         –         –         –         –         –         38

4.2     Customers Questionnaire    –         –         –         –         –         50

CHAPTER FIVE

SUMMARY, CONCLUSION AND RECOMMENDATION

5.0     Introduction        –         –         –         –         –         –         –         57

5.1     Summary of Findings  –         –         –         –         –         –         57

5.2     Conclusion –         –         –         –         –         –         –         –         60

5.3     Recommendations       –         –         –         –         –         –         62

Reference  –         –         –         –         –         –         –         –         65

 

 

 

CHAPTER ONE

INTRODUCTION

1.0     Background of the Study

The Nigerian banking industry has witnessed tremendous changes and expansion since the mid 1980s. Unfortunately the growth and expansion in the sector are not the manifestation of a sound or vibrant banking system known anywhere in the world. Most banks in Nigeria are characterized by inadequate capital base, poor services, hug rate of bankruptcy, lack of management expertise, bad debt syndrome and greater exposure to fraud. In addition, many have poor database and lack of reliable information on which sound policy decision can be take by Board of Directors. This is a fragile banking system which is waiting to explode from the contagion effect of the liquidation of over eleven banks which are technically considered distressed. Currently there are 89 banks in operation in Nigeria, with 79 being considered marginal or fringe players and with over 1,036 – fraud case in banks in 2003 while N9.3 billion was lost through fraudulent activities.

A poor banking system of this nature creates unquantifiable problems and crisis in the economy which could result in thousands of people losing their jobs, lost of depositors’ money, lost of confidence in the banking system and above all the banks can have little contribution to the economic development of the country. Essentially, the objectives of the new, banking sector reform though recapitalization of N25 billion for each bank intends among other things to take proactive steps to prevent an imminent systematic crisis and collapse of the banking industry, create a sound banking system that depositors can trust, create banks that investors can rely upon to finance investment in the economy to drive down the cost structure of banks and make them more competitive and development oriented and to ensure Nigeria meets minimum requirements for regional financial system integration, effectively, positioned to be a key. African regional and global player.

Taking this steps is imperative for the survival of the fragile banking system in Nigeria and to be at per with the global trend. Generally speaking, the current average capitalization of banks in Nigeria is less than $10 million or N1.3 billion and with the largest bank in Nigeria having $298 million compared with the smallest Malaysian bank with $526 million. This is an important indices for an understanding of the unique, nature of the Nigeria banking system among developing economies.

In the study an attempt has been made by examining the fragile banking system of Nigeria, the need for recapitalization, the various strategies by Commercial Banks to meet the recapitalization requirements and how recapitalization can enhance repositioning of Commercial Banks in competitive marketing environment of Nigeria. Although the full policy implementation of recapitalization takes effect from December 2005, this study provides an insight into the anticipated challenges of post-recapitalization era. These challenges as evident in the current mergers and acquisitions by smaller banks provide input for academic research and analysis. However, it is also the intention of this study to outline the various repositioning strategies of United Bank for Africa towards meeting the challenges of the Banking Sector reforms in maintaining a leading position among new generation banks in meeting the CBN recapitalization requirement deadline.

It is hope that the finding of this research study would provide a pioneering blue-print for commercial banks in Nigeria to adequately cope with post-recapitalization challenges of the marketing scenario.

 

1.1     Statement of the Problem

The rising incidence of bankruptcy and distress syndrome in the Nigerian baking system caused by poor capital base, lack of management expertise, bad debt syndrome corrupt practices and fraud among other have created serious concern to depositors, investors and the rational economy. The need to address this issue has brought the need for redefining the capital base of commercial banks in Nigeria to make the banking sector strong. Dependable and viable with minimal distress and meaningful contribution to the growth of the Nigerian economy. The recapitalization of N25 billion makes it imperative for Commercial Banks to seek for investors and to merge into meet the December 31st 2005 deadline.

The banks that meet up the recapitalization targets may be fewer in number, stronger in capital base, well positioned to carry out full the main challenges before the competing banks is to evolve effective marketing strategies to attract customers to patronize their services and to maintain a leading position in the

Banking And Finance Project MateriaLS PREVIEW

THE IMPACT OF RISK MANAGEMENT ON PROFITABILITY OF GT BANK PLC, MURTALA MOHAMMED SQUARE BRANCH KADUNA

THE IMPACT OF RISK MANAGEMENT ON PROFITABILITY OF GT BANK PLC, MURTALA MOHAMMED SQUARE BRANCH KADUNA

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

MAKE YOUR PAYMENT  INTO ANY OF THE FOLLOWING BANKS:
 GTBANK
Account Name : Chi E-Concept Int’l
ACCOUNT NUMBER:  0115939447
First Bank:
Account Name: Chi E-Concept Int’l
Account Name: 3059320631

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.

Enter Amount

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     Research Question           –         –         –         –         –         –         3

1.4     Objective of the study      –         –         –         –         –         –         3

1.5     Statement of Hypothesis –          –         –         –         –         –         3

1.6     Significance of the study –         –         –         –         –         –         4

1.7     Scope of the study –         –         –         –         –         –         –         4

1.8     Definition of Terms         –         –         –         –         –         –         4

 

CHAPTER TWO – Literature Review

2.1     Introduction           –         –         –         –         –         –         –         5

2.2     Conceptual Framework    –         –         –         –         –         –         5

2.3     Review of Research Literature   –         –         –         –         –         17

2.4     Review of Related Empirical Literature –       –         –         –         28

2.5     Summary of the Literature         –         –         –         –         –         36

CHAPTER THREE: Research Methodology

3.1     Introduction           –         –         –         –         –         –         –         37

3.2     Research Design    –         –         –         –         –         –         –         37

3.3     Population of the Study  –         –         –         –         –         –         37

3.4     Sample Size –         –         –         –         –         –         –         –         37

3.5     Sources and Method of Data Collection         –         –         –         37

3.6     Validity of Instrument     –         –         –         –         –         –         38

3.7     Reliability of the Instrument      –         –         –         –         –         38

3.8     Method of Data Collection         –         –         –         –         –         38

3.9     Method of Data Analysis –         –         –         –         –         –         39

 

CHAPTER FOUR: Data Presentation and Analysis

4.1     Introduction –         –         –         –         –         –         –         –         40

4.2     Respondents Characteristics       –         –         –         –         –         40

4.3     Data Presentation and Analysis  –         –         –         –         –         41

4.4     Summary of Findings      –         –         –         –         –         –         46

4.5     Discussion of Findings    –         –         –         –         –         –         46

 

CHAPTER FIVE: Summary, Conclusion and Recommendation

5.1     Summary     –         –         –         –         –         –         –         –         48

5.2     Conclusion –         –         –         –         –         –         –         –         39

5.3     Recommendations –         –         –         –         –         –         –         49

Bibliography          –         –         –         –         –         –         –         53

Appendix               –         –         –         –         –         –         –         54

 

ABSTRACT

The study examines Risk Management and Credit Administration in GT Bank Plc, Murtala Mohammed square branch Kaduna. The research questions that guided this study were: How is risk managed in GT Bank Plc, Murtala Mohammed Square branch, Kaduna? What are the constraints militating against risk management and credit administration in GTBank Plc, Murtala Mohammed square branch Kaduna? What are the solutions to the identified problems. The survey method was used as the research design. The entire population of 30 person from credit department of GT Bank Plc, Murtala Mohammed Square branch  Kaduna were used as the sample size. A questionnaire design in five likert scale was used as the instrument of data collection. The mean (x) was used to analyze data. The result of findings indicates that risk is mainly managed in Gt Bank Plc, Murtala Mohammed Square branch, Kaduna through embarking on insuring customer deposit with NDIC as well as proper evaluation and monitoring of policy as well as efficient appraisal of proposed on investment that would be finance with bank loan. However, the problems confronting risk management and credit administration are basically defective procedures of loan appraisal as well as dearth of knowledge and skills in credit administration and risk management. Commercial bank should establish sound and competent credit risk management units and recruit well motivated staff, credit officers are the cutting edge of credit administration. As such issue pertaining to their selection, training, placement, job evaluating reward and discipline need to be tackled effectively.

 

CHAPTER ONE

INTRODUCTION

1.1       Background of the Study

Risk Management is the identification assessment and prioritization of risks. It is the effect of uncertainty on objectives, whether positive or negative followed by coordinated and economic of application of resources to monitor and control the probability and/or impact of unfortunate events or to maximize the realization of opportunities (Okeh, 2006).

The survival of every commercial bank depends on its ability to manage its risks and loans or advance portfolio effectively. However in the recent past, commercial banks in Nigeria witnessed rising non-performing credit portfolios and these significantly contributed to the financial distress in the banking sector.

Financial organization need to manage the credit risk inherent in the entire portfolio as well as the risk in individual credit or transaction. This is so because the survival and ability of financial institution to compete depend on their ability to profitability and manage credit risk. This is the reasons why lending is based on the two fundamental products of banking: money and information. Banks obtain these products from customers themselves by offering customer valuable services. They package money and information about their borrowers together with valuable banking services to create loan agreements and sell the loan agreements back to their customers (Hempel and Simonson, 2007).

As such, risk rating system in financial institution contains both objective and subjective elements. Objective aspect are based on financial statements and application of certain financial ratio that reflect liquidity, leverage and earnings. Despite the requirement that risk be quantified, risk rating systems always have a subjective dimension that attempts to capture intangibles such as the quality of management, the borrower’s status within the industry, and the quality of financial reporting. These subjective items may result in inconsistencies.

It is in this regard that many financial institutions have faced difficulties over the years arising from their inability to effectively manage credit risk. As such the major cause of serious banking problems continues to be directly related to tax credit standard for borrowers and counterparties, poor portfolio risk management, or lack of attention lead to a deterioration in the credit standard of a bank’s counterparties.

 Hence, the need to investigate the subject matter of this research becomes imperative.

1.2       Statement of the Problem

Commercial banks in the recent past witness rising non-performing credit portfolios sequel to the inability of their management to effectively manage risk and credit administration. That problem resulted to high bad debts in commercial bank and a number of other commercial banks were classified as distressed banks by the monetary authorities.

Consequently, the need to examine the subject matter: An Assessment of risk management and credit administration

Banking And Finance Project MateriaLS PREVIEW

THE EFFECT OF FINANCIAL ACCOUNTING REPORTING ON THE MANAGEMENT OF A BUSINESS. A CASE STUDY OF AGU BROS TRADING COMPANY LIMITED 1987.

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THE EFFECT OF FINANCIAL ACCOUNTING REPORTING ON THE MANAGEMENT OF A BUSINESS. A CASE STUDY OF AGU BROS TRADING COMPANY LIMITED 1987.

 

 

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

MAKE YOUR PAYMENT  INTO ANY OF THE FOLLOWING BANKS:
 GTBANK
Account Name : Chi E-Concept Int’l
ACCOUNT NUMBER:  0115939447
First Bank:
Account Name: Chi E-Concept Int’l
Account Name: 3059320631

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.

Enter Amount

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

 

PREFACE
The topic of this study is entitled “The Effect of Financial Accounting reporting on the Management of a Business”.
In carrying out this study therefore, the study was divided into five chapters.
Chapter one deals with introduction, background study, formation of hypothesis, significance of study.
Chapter two centers on the theoretical frame work of the study and literature were review. Here the relevant literature were gathered and review.
Chapter three deals with research design and methodology focusing mainly on a data definitions and limitation faced while carrying out the research.
Chapter four, which the brain of the study deals on data analysis. Here the data collection are presented and analysed and the finding presented.
Chapter five deals with recommendation and conclusions.

TABLE OF CONTENTS
CHAPTER ONE:
INTRODUCTION
1.1 BACKGROUND OF STUDY
1.2 STATEMENT OF PROBLEM
1.3 OBJECTIVES OF THE STUDY
1.4 RESEARCH OF THE STUDY
1.5 SIGNIFICANCE OF THE STUDY
1.6 HYPOTHESIS
CHAPTER TWO:
2.1 LITERATURE REVIEW
2.2 ACCOUNTING AS A LANGUAGE OF BUSINESS
2.3 USERS OF ACCOUNTING INFORMATION
2.4 CHARACTERISTICS OF GOOD INFORMATION
2.5 MANAGEMENT OF INFORMATION
2.6 BASIC ACCOUNTING CONCEPTS
CHAPTER THREE:
3.0 RESEARCH DESIGN
3.1 AREAS OF STUDY
3.2 POPULATION OF THE STUDY
3.3 SAMPLE AND SAMPLING TECHNIQUE
3.4 INSTRUMENTATION AND VALIDATION OF INSTRUMENT
3.5 INSTRUMENT FOR DATA COLLECTION
3.6 METHODS OF INVESTIGATION
3.7 METHOD OF DATA ANALYSIS
CHAPTER FOUR:
4.0 PRESENTATION AND ANALYSIS
4.1 PRESENTATION AND ANALYSIS OF DATA
4.2 OTHER ANALYSIS
4.3 CLASSIFICATION
4.4 ANALYSIS OF ORAL INTERVIEW QUESTION
CHAPTER FIVE:
5.0 RECOMMENDATION AND CONCLUSION
5.1 DISCUSSION OF THE RESULTS
5.2 RECOMMENDATION
5.3 CONCLUSION
5.4 LIMITATION
REFERENCES
BIBLIOGRAPHY
APPENDIX

CHAPTER ONE
INTRODUCTION
1.1 BACKGROUND OF THE STUDY:
Financial accounting encompass activities related to the preparation of certain reports, which is known as financial statement. These statement reports the financial position of a firm at a particular time, the firms activities and resulting profit or losses during the most recent period, and the flow of resources occurring within the firm during the same period.
WALGERNBAC and Co (19) defined financial Accounting as the process of (1) recording (2) Classifying (3) Reporting and interpreting the financial data of an organization.
Following this definition, financial accounting is faced with three major roels recording, classifying and reorting financial data of an organization or business. In recording financial accounting is engaged with the role of taking note of all he financial activities that takes place in the business.
Classifying includes the grouping of these activities in uninformity while reporting is concerned with the preparation of reports known as financial statements.
These statement reports the financial position of a business at a particular time, the forms activities and resulting profit or loss and source and application of fund of the firm at the most recent period.
However, the question arises what are the effects of these financial accounting reports on the management of a business? The answers to this pose a problem which they seek to solve. Not every business person comprehend the importance of financial accounting information of the management of their business. Some manage the business instinctively, others like traffic defaulter who disology road signs, disobey the waring communicated by financial accounting information and end up in business accident.
There are other sources of information, which have impact on the management of a business and the combination of these source given an information system in its complex nature.
As Frank Wood puts it: It must not be thought that accounting of any firm is the management control system through, which both manager and external user get a picture of the organization as a total entity.
Moreover, financial accounting information usually comes in a diswished form by “wearing the cloak of technicaties. Such technicaties include calculation which need expert knowledge in its interpretation. But some business, due to financial incapacity cannot employ such expert they tend to over look financial accounting information system which has an effect on the management of any business concern, the problem is to all business known this, this the question that the researcher seeks answers.
1.2 STATEMENT OF PROBLEM:
As said earlier, an effective information system is very vital for the function of any business undertaken. The financial accounting system in most business undertaken do not show fully the principle of accounting system.
The flow of information, the cost of collecting any information and the internal control procedures have some problem.
Actually it would be impossible for the researcher to study all the information system in all or even any of the organization. The study therefore comproses a study of some typical financial account reporting on the management of a business, the researcher will carry out an experimental study and appraisal of a business. Financial accounting and see whether there is room for improvement to be made.

Banking And Finance Project MateriaLS PREVIEW

PROBLEM OF PERSONAL INCOME TAX COLLECTION IN ANAMBRA STATE

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PROBLEM OF PERSONAL INCOME TAX COLLECTION IN ANAMBRA STATE
A CASE STUDY OF AWKA SOUTH LOCAL GOVERNMENT AREA OF ANAMBRA STATE

 

 

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CHAPTER ONE
1.0 INTRODUCTION
1.1 BACKGROUND OF THE STUDY
1.2 STATEMENT OF THE PROBLEM
1.3 OBJECTIVE OF THE STUDY
1.4 RESEARCH QUESTIONS
1.5 RESEARCH HYPOTHESIS
1.6 SCOPE AND LIMITATIONS
1.7 DEFINITION OF TERMS
REFERENCE

CHAPTER TWO
LITERATURE OF REVIEW
2.0 DEVELOPMENT OF INCOME
2.1 TAX IN NIGEIRA
2.2 OBJECTIVES OF INCOME TAXATION
2.3 QUALITIES OF A SYSTEM OF GOOD TAXATION

2.4 ADMINISTRATION OF INCOME
2.4.1 TAX IN ANAMBRA STATE
2.4.2 ASSESSMENT AUTHORITY
2.4.3 TAX COLLECTION
2.4.4 TAX COLLECTION AGENTS
2.4.5 SECRECY
2.5 PROBLEM OF INCOME TAX
2.6 ADMINISTRATION AND COLLECTION MACHINERY
REFERENCES
CHAPTER THREE
3.0 RESEARCH DESIGN AND METHODOLOGY
3.1 RESEARCH DSIGNI
3.2 POPULATION SIZE
3.3 SAMPLE SIZE DETERMINATION
3.4 TYPES OF DATA
3.5 SOURCES OF DATA
3.6 DATA LOCATION
3.7 METHOD OF DATA PRESENTATION
3.8 METHODS OF DATA ANALYSIS
REFERENCES

CHAPTER FOUR
4.0 DATA PRESENTATION AND ANALYSIS
4.1 DATA ANALYSIS TECHNIQUES
4.1.1 PARTICIPATION IN TAX COLLECTION
4.2 EQUALITY OF THE EXPECTED AND ACTION RETURNS FROM TAX COLLECTORS
4.3 HINDRNACES TO REVENUE
4.4 TREATMENT OF UNDER ASSESSMENT
4.5 TRETMENT OF TAX AVOIDANACE
4.6 FRAUD AND DISHONESTY IN TAX ASSESSMENT
4.7 TEST OF HYPOTHESIS

CHAPTER FIVE
5.0 SUMMARY OF FINDINGS, RECOMMENDATIONS AND CONCLUSIONS
5.1 SUMMARY OF FINDINGS
5.2 RECOMMENDATIONS
5.3 CONCLUSION
BIBLIOGRAPHY
QUESTIONNAIRE
LIST OF TABLES
4.1 PARTICIPATION IN TAX COLLECTION
4.2 EQUALITY OF THE EXPECTED AND ACTUAL RETURNS FROM TAX COLLECTORS
4.3 GREATEST HINDRANCES TO REVENUE COLLECTION
4.4 TREATMENT OF UNDER ASSESSMENT
4.5 TRETMENT OF TAC AVOIDANCE
4.6 FRAUD AND DISHONESTY IN TAX ASSESSMENT
CHAPTER ONE

INTRODUCTION
1.1 BACKGROUND OF THE STUDY
A tax could be defined as a compulsory payment levied on individuals by government or paying a specific percentage of their earnings or a specific amount of money in order to raise revenue for development purposes.
A tax according to Agyei (1985:2) defines tax as “the transfer of resources from the private sector to the public sector in order accomplish some of the nation’s economic and social goals”. Well, the primary economic goal of developing countries is to increase the rate of economic growth and hence the income per capitals which will lead to higher standards of living.
A goals which will be achieved with the introduction of tax are: provision of additional basic government services, particularly in education, public health and transport which are imperative for the growth of the rest of the economy.
Personal income tax was first introduced in Nigeria I 1904 by the late Lord Lugard, when the community tax operative in Northern Nigeria. Formerly. Nigerian cheerfully paid their taxes in kind of rendering free services such as clearing the bush, digging put toilet, well etc. for the benefit of the community as a whole failure to render such services usually resulted in seizure of property which might be reclaimed on payment of money.
In 1917, Lord Lugard made certain changes which culminated in the native Revenu ordinance, it was the (1917) ordinance that was extended to the Eastern Nigeria in 1928. the stiff expositions was also made it the end of 1939 chief Okugo of Oloko carried out the instructions laid down by the British Administrations on a new way of taxing income of individuals. This led to remour that a new system of taxation will be introduced. Its later consequence culminated to Aba women Riot against the British Administration. Meanwhile, in the year 1799 it was introduced by famous British king known as William and catering for government expenditure.
Income tax was very effective in Northern Nigeria but finally has come to stay in Nigeria today. The Raiseman fiscal commission of 1958, recommended the introduction of basic principles for taxing income of persons other than companies. This recommendation was embodied in Nigeria constitution order in council in (1960) and which formed the basis of the income tax management Act (1961).
By Untue of Edit (6) of 1970, the Board of internal Revenue came into being in effect, the Board became an organ charged with the responsibility of carrying out broad policies of tax administration in Anambra state.
1.2 STATEMENT OF THE PROBLEM
These problem hinder the provision of various services from security to economic services for the citizens. Though the funds which would have been collected are not available to the government thereby creating stability of the economy.
Some of the problems are easily enumerated as stated below.
(i) Lack of staff and inputs such as station eries, vehicles and effective leg