Select Currency
Translate this page

THE APPRAISAL OF COMMERCIAL BANKS SECTORIAL DISTRIBUTION OF LOANS AND ADVANCES

Format: MS WORD  |  Chapter: 1-5  |  Pages: 64  |  966 Users found this project useful  |  Price NGN5,000

  DOWNLOAD THE FULL PROJECT

CHAPTER ONE

INTRODUCTION

1.1 BACKGROUND OF THE STUDY

It is well acknowledged in economics literature that deposit taking banking institutions play a major role in promoting economic development through channeling of funds from those with excess to those in need for investment purposes. However, for banks to be effective in fostering economic growth, it is important that they lend to the right sectors of the economy that are essential and can act as catalysts to stimulate growth. Furthermore, it is fundamental that banks effectively manage various risks that they are exposed to, in order to remain solvent in the long run and be in a position to provide long term capital which is more essential for economic growth and development. In this regard, for an economy to grow, it should have a well-developed and stable banking system that is resilient to external shocks to effectively play the role of financial intermediation. In Nigeria, the common suppliers of funds for supporting domestic economic activities are commercial banks, development banks and micro-finance institutions.

However, other financial institutions such as pension funds, unit trusts, insurance companies also play a role in providing funds for domestic investment purposes, in that they also create a platform for raising domestic savings. The role of non-banking financial institutions in providing funds for domestic investment is, however, limited given the fact that they are only required by law to invest at least 35 percent of their total assets in the domestic economy (International Monetary Fund, 2016). As such, most of these institutions have their investments off-shore, mainly invested with South African institutions. This has even placed a larger expectation on commercial banks in Nigeria to provide domestic credit that can stimulate the growth of the economy. While commercial banks in Nigeria are expected to drive economic growth through providing credit to the important sectors of the economy, it is not clear whether or not banks are making a significant impact on the economy.

As such, the Central Bank of Nigeria (CBN), which is the central bank entrusted with the function of supervising commercial banks in the country, has over the years raised concerns over the increasing household credit, that is mainly dominated by instalment credit, overdrafts and other loans and advances, which are mostly used to finance unproductive luxury imported vehicles (CBN, 2014). 

The Central Bank of Nigeria guidelines on sectoral distribution of loans and advances are aimed at developing the productive sectors of the country’s economy as well as curbing price inflation. The Commercial Banks who are expected to follow the Central Banks guidelines have their corporate objectives of making profits, the Commercial Banks have auxiliary objectives of meeting the demands of their shareholders, customers and government. Therefore, the research problem rests on whether the Commercial Banks will be able to show full compliance with the Central Banks guidelines in the light of the risk involved and the lending rate prescribed for lending to the preferred and less preferred sectors of the economy.

1.3   THE OBJECTIVES OF THE STUDY

The objectives of this research project can be stressed as follows:

a. To find out whether the Commercial Banks give out loans and advances to the preferred sectors of the Nigerian economy.

b. To find out whether the Commercial Banks give out loans and advances to the less preferred sector of the Nigerian economy.

c. To find out what makes up the preferred and less preferred sectors of the Nigerian economy.

1.4      SIGNIFICANCE OF THE STUDY

This research project will be of immense benefit to the academic world in the sense that it will stimulate future research. It will equally be of immense benefit to the federal government of Nigeria in the sense that the activities of Commercial Banks affect the economy as a whole. The study will also be of advantages to the business world and customers who wish to know why they are not given long term loan as requested by them.

  DOWNLOAD THE FULL PROJECT

THE APPRAISAL OF COMMERCIAL BANKS SECTORIAL DISTRIBUTION OF LOANS AND ADVANCES

Not The Topic You Are Looking For?



For Quick Help Chat with Us Now!

+234 813 292 6373

+233 55 397 8005


HOW TO GET THE COMPLETE PROJECT ON THE APPRAISAL OF COMMERCIAL BANKS SECTORIAL DISTRIBUTION OF LOANS AND ADVANCES INSTANTLY

  • Click on the Download Button above.
  • Select any option to get the complete project immediately.
  • Chat with Our Instant Help Desk on +234 813 292 6373 for further assistance.
  • All projects on our website are well researched by professionals with high level of professionalism.

Here's what our amazing customers are saying

Abraham Ogbanje
NATIONAL OPEN UNIVERSITY OF NIGERIA
At first I was afraid.. But I discovered they are legit. I will bring more patronize
Very Good
JONNAH EHIS
Ajayi Crowther University, Oyo
I was scared at first when I saw your website but I decided to risk my last 3k and surprisingly I got my complete project in my email box instantly. This is so nice!!!
Excellent
Abubakar Iliyasu Hashim
Federal college of education pankshin affiliated to university of jos
I am highly impressed with your unquantifiable efforts for the leaners, more grace to your elbow.I will inform my colleagues about your website.
Very Good
Adam Alhassan Yakubu
UDS
Excellent work and delivery , I promise to share my testimonies everyone in need of this kind of work. You're the best
Excellent
Dau Mohammed Kabiru
Kaduna State College of Education Gidan Waya
This is my first time..Your service is superb. But because I was pressed for time, I became jittery when I did not receive feedbackd. I will do more business with you and I will recommend you to my friends. Thank you.
Very Good
Abdulrazak Bello Marsha
Usman Dan fodio University
It was quite a better guide for project and paper presentation purpoting. Many thanks.
Average
Joseph M. Yohanna
Thanks a lot, am really grateful and will surely tell my friends about your website.
Excellent
MATTHEW NGBEDE
Ahmadu Bello University
I wish I knew you guys when I wrote my first degree project, it took so much time and effort then. Now, with just a click of a button, I got my complete project in less than 15 minutes. You guys are too amazing!
Excellent
Abdul Mateen Iddrisu
UDS
At first I taught is a site full of fraudsters until I saw my project in my Gmail after my payment.. THANK YOU IPROJECTMASTER and May God the almighty bless u guys abundantly
Excellent
Musa From Ahmadu Bello University
Thank you iprojectmaster for saving my life, please keep it up and may God continue to bless you people.
Excellent

FREQUENTLY ASKED QUESTIONS

How do I get this complete project on THE APPRAISAL OF COMMERCIAL BANKS SECTORIAL DISTRIBUTION OF LOANS AND ADVANCES?

Simply click on the Download button above and follow the procedure stated.

I have a fresh topic that is not on your website. How do I go about it?

How fast can I get this complete project on THE APPRAISAL OF COMMERCIAL BANKS SECTORIAL DISTRIBUTION OF LOANS AND ADVANCES?

Within 15 minutes if you want this exact project topic without adjustment

Is it a complete research project or just materials?

It is a Complete Research Project i.e Chapters 1-5, Abstract, Table of Contents, Full References, Questionnaires / Secondary Data

What if I want to change the case study for THE APPRAISAL OF COMMERCIAL BANKS SECTORIAL DISTRIBUTION OF LOANS AND ADVANCES, What do i do?

Chat with Our Instant Help Desk Now: +234 813 292 6373 and you will be responded to immediately

How will I get my complete project?

Your Complete Project Material will be sent to your Email Address in Ms Word document format

Can I get my Complete Project through WhatsApp?

Yes! We can send your Complete Research Project to your WhatsApp Number

What if my Project Supervisor made some changes to a topic i picked from your website?

Call Our Instant Help Desk Now: +234 813 292 6373 and you will be responded to immediately

Do you assist students with Assignment and Project Proposal?

Yes! Call Our Instant Help Desk Now: +234 813 292 6373 and you will be responded to immediately

What if i do not have any project topic idea at all?

Smiles! We've Got You Covered. Chat with us on WhatsApp Now to Get Instant Help: +234 813 292 6373

How can i trust this site?

We are well aware of fraudulent activities that have been happening on the internet. It is regrettable, but hopefully declining. However, we wish to reinstate to our esteemed clients that we are genuine and duly registered with the Corporate Affairs Commission as "PRIMEDGE TECHNOLOGY". This site runs on Secure Sockets Layer (SSL), therefore all transactions on this site are HIGHLY secure and safe!