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Developing and maintaining effective lending and credit policy by Nigeria banks - case study of First City Monument Bank plc

 Department: Banking and Finance  
 By: usericon samadchuks  

 Project ID: 5443
   Rating:  (5.0) votes: 1
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   Price:₦2000
Abstract
The research study was carried out to determine the effect and probable outcome of developing and maintaining effective lending and credit policy by Nigerian banks which First City Monument Bank Plc was used as a case in other to ascertain the financial status which serves as a determining factor for developing and maintaining effective lending and credit policy which could reduce loan losses and guarantee profit. Eventually, this research is subdivided into five chapters, chapter one deals with introduction, background of the study, statement of the problem, objective of the study, research questions, significance of the study, scope of the study, etc. Chapter two is concerned with the literature review, the concepts of lending and credit policy factors in loan policy formulation, general objective and criteria of lending policy, bank credit risk and management, problems of bank lending, chapter three has to do with research design and methodology methods of data collection, population and sample size, sample techniques. While chapter four is presented and analysis of data, analysis of data and test of hypothesis and chapter five focus on summary, conclusion and recommendations. The researcher accept that loan should be evaluated properly. Any loan application should be in line with banks consideration for loan these consideration for the loan includes the character of the borrowers. Profitability of the project, purpose of the loan, performance of the account holder, and mandate.   ...
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