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Loan Granting And Its Recovery Problems On Commercial Banks
[A CASE STUDY OF FIRST BANK PLC, OJO- ALABA BRANCH]
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1.3 OBJECTIVES OF THE STUDY Having known that lending objectives of a
commercial bank is to provide growth, profitability and liquidity, and
its representing chunk of deposit as a source of income to the bank, the
cumulative effect of loan default will be a loss of confidence in the
banking system.
The researcher therefore aimed at:
1. Finding out the several problems facing loan recovery
2. The effects of loan default on commercial banks
3. The measures that will help to reduce the incidence of loan default.
1.4 RESEARCH QUESTION
1. What are the several problems faced during loan recovery?
2. What type of loan do commercial banks grant?
3. Who are the loan beneficiaries of commercial banks?
4. Are there measures to reduce the limit of loan default?
5. What are the effects of loan defaults on commercial banks?
6. What are the sectorial allocation of commercial bank‟s loan?
7. What are measures that will help to reduce the incidence of loan default?
1.5
RESEARCH HYPOTHESIS Ho – the measures taken by banks do not reduce the
incidence of loan default. H1 The measures taken by banks to reduce the
incidence of loan default
1.6 SCOPE OF THE STUDY
The research
work is to analyze the problems of loan recovery on commercial banks
(First Bank Plc) in Ojo-Alaba, Ojo Local Government Area of Lagos State.
Due to limited time and the level of this project work, the
researcher decided to systematically and meticulously narrow it down to a
study that will cover two distinct areas namely: The problem of loan
recovery and how to control loan default. The researcher wants to avoid
unnecessary details that are not concerned with the problem of loan
recovery in commercial banks. The study is limited to first bank branch
in Ojo-Alaba, Lagos State.
1.7 SIGNIFICANCE OF THE STUDY This study
is intended to analyze the problems of loan recovery in commercial banks
in Nigeria and their poor system of management of loan. The result of
this study will be immense important to some of us and even the bankers
in particular. Banks will become conscious in their loan disbursement.
They have to determine the kind o people that will benefit from the loan
disbursement, the type of loan to give the criteria to use in granting
loan and the procedures to be used for loan recovery.
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ABSRACT - [ Total Page(s): 1 ]This research work was undertaken to assess the Loan granting and its recovery problems on Commercial Banks. The research was intended to achieve the following objectives: To find out the several problems facing loan recovery, the effects of loan default on commercial banks and the measures that will be used in reducing the incidence of loan default. Relevant data were collected from both primary and secondary sources. Questionnaires were the main primary data collection instrument employed whil ... Continue reading---
