TABLE OF CONTENTS
Title page
Approval
Dedication
Acknowledgement
Table of contents
Abstract
Chapter one
1.0 Introduction
1.1 Background of the study
1.2 Statement of the problem
1.3 Objectives of the study
1.4 Research questions
1.5 Significance of the study
1.6 Delimitation of the study
1.7 Plan of the work
1.8 Definition of Terms
Chapter two
2.0 Review of Related Literature
2.1 Brief Introduction
2.2 Models and Theories Relevant to the Research Questions
2.3 Current Literature Based on the Variable of the research questions
2.4 Summary of Related Literature Review
Chapter three
3.0 Research Methodology
3.1 Research Design
3.2 Area of the study
3.3 Population of the study
3.4 Sampling of Data Collection
3.5 Source of Data collection
3.6 Instrument for Data collection
3.7 Validation and Reliability of the instrument
3.8 Distribution and Retrieval of the Instrument for data Collection
3.9 Method of Data collection
Chapter four
4.0 Data presentation, Analysis and interpretation of results
4.1 Data presentation and Analysis
4.2 Data interpretation and analysis
4.3 Test of Research Questions
4.4 Discussion of findings
Chapter five
5.0 Summary of findings, conclusion and recommendations
5.1 Summary of Research findings
5.2 Research conclusion
5.3 Recommendations
5.4 Limitation of the study
5.5 Suggestions for further research
References
Appendix
Questionnaire
Abstract
This study is on the critical Evaluation of Credit Analysis and management in Deposit Money Banks in Benin City. The objectives of this study includes; To review how efficient management of credit facilities to meet pre-determined objectives, to review the effectiveness and efficiency in credit instrument; to have a proper management of credit instrument, to review tools used in achieving utilization of credit management, to have a proper management in credit implementation. The related literatures were reviewed and data were collected through questionnaire and other primary source. It was discovered after the state interpretation and analysis that, strict adherence to target the relative efficiency of control system, constitutes a watch for policy effectiveness. Concluding that customer does not utilize the credit instrument and as such create a vacuum in deposit money banks. It also recommended that proper education programme should be introduced for proper sanitization of bank customers in particular and the general public on how to use the credit instrument.
Chapter one
1.0 Introduction
Credit analysis and management help to understand the various difference of credit instrument, it discusses various techniques to measure, analyse and manage credit instrument for both lenders and borrowers.
Credit analysis also include an examination of collateral and other source of repayment as well as credit history and management.
It is the evaluation of the ability of company to honour its financial obligation.
Credit analysis is essential in the modern world and creates wealth, provide it is used wisely.
1.1 Background of the study
Credit analysis and management in deposit money bank is a vital tool that cannot be over emphasized.
However, credit has different meaning associated with it because it is a broad term, but based on this work we shall be focusing on credit as a financial tool in the financial institutions.
Credit is an arrangement in the institutions whereby a financial instrument is advanced to bank customer as a loan with a data of repayment,
Furthermore, credit as a financial instrument can also be used to regulate the flow of cash in the economy that is either to mo-up the excess liquidity in the economy or pushes more cash into the economy.
Credit analysis and management has to do with detail study of credit instrument and employ ways through which it can be managed adequately.
Management of credit instrument in deposit money bank has to do with administrating, planning, controlling, organizing etc of these insturemnt in other to attain a successful objective of an organization set out goals.
Credit therefore supplement money in the economy and makes possible the supply of goods as well as rendering of service without immediate payment to creditors, the importance of credit in an economy could best be viewed, when it is realized that the rate of development might be virtually impossible without credit, lack of credit is often the greatest single impediment to the growth and diversification of most banks.
Poor administrative of the credit instrument combine with poor analysis and management of credit instrument by deposit money bank hamper economic growth that is destabilization of the economy, based on this proper administration of credit instrument has to be adopted in other to advert destabilization of the economy.
Credit therefore arises out of the need to bridge the gap between the surplus and deficit economic units such that the highest level of satisfactory function is performed by the financial institutions notable among which are the money deposit banks.
1.2 Statement of the problem
There are several problems which arise from credit analysis and management in deposit money banks such as
To determine how efficient management of credit facilities to meet pre-determined objectives.
The challenges facing the effectiveness and efficiency in credit instrument.
The challenges facing the management of credit instrument in deposit money bank.
The absence of tools used in achieving utilization of credit management.
The challenges facing the management in credit implementation.
1.3 Objective of the study
The following are the objectives of this study
1. To review efficient management of credit facilities to meet pre-determined objectives.
2. To review the effectiveness and efficiency in credit instrument
3. To have a proper management of credit instrument in deposit money bank
4. To review tools used in achieving utilization of credit management
5. To have a proper management in credit implementation
1.4 Research Questions
To gather the required information needed for this study, the following questions are relevant
1. How can efficient management of credit facilities meet pre-determined objectives?
2. What are the challenges facing the effectiveness and efficiency in credit instrument?
3. Are they challenges facing the management of credit instrument in deposit money bank?
4. What are the tools used in achieving utilization of credit management?
5. What are the challenges facing the management in credit implementation.
1.5 Significance of the study.
The significance of this study cannot be over-emphasized, reason is that, it is a critical evaluation of credit analysis and management in deposit money bank, is of immense and to growth of financial sector due to the fact that link credit instrument from the savings surplus unit to the savings difficult unit for effective and efficient facilities in financial market.
Furthermore, this study reveals the fact that credit instruments can as well as use as debt instrument so as to facilitate trade.
In contribution, the classified credit instrument helps the users to know the kind that is good and perfect for them to utilize base on their various categories of trade and specialization.
Also, this study reveals the fact on effective and efficient allocation and utilization of these instrument so as to boost economic growth and provides more fund for deposit money bank, through which they meet their customers demand.
In summary, credit instrument serves as the live blood of financial market through deposit money bank which serve as intermediary.
1.6 Delimitation of the study
The focal point of this research work, credit analysis and management in deposit money bank, is intended to cover financial institutions, particularly located in Benin city with a case study of these banks, ECO BANK, ACCESS BANK, GUARANTEE TRUST BANK, FIRST BANK AND UNION BANK.
1.7 Plan of the work
This project be divided into five chapters. The first chapter shall provide the introduction and background of the subject matter justifying the need for the study. Chapter two shall present related literature reveal concerning a critical evaluation of credit analysis and management in deposit money bank. The research methodology shall be stated in chapter three with data presentation and data presentation and analysis will be made in chapter four,, concluding comments in chapter five shall reflect on the summary, conclusion and recommendation based on the finding of the study.
1.8 Definition of terms
Analysis: This is the detail study of something in other to understand more about it.
Effectiveness: An act of providing the wanted result with the short time of a least cost.
Category: A group of things with a particular feature in common.
Economy: The operation of c country’s financial positions.
Credit instrument: This is a financial tool that is used for raising fund or movement of fund within the financial market.
Clean loan: This refers to loans that are given out by bank without collateral to the bank customer.
Credit facility: These are financial assistance obtained by bank customer (s) from banks in form of loan.
Debt instrument: This is a financial tool use to borrow an amount of money.
Economic Growth: This is a process of attaining increase in size or development.
Evaluation: This is an act of qualifying or valuing or knowing the wealth of an item.
Fund: This is an amount of money that is available for spending.
Financial market: This is a place where buying and selling of credit instrument take place. This market is categorized into three with each having different function.
Goal: AN aim, objective, or purpose of achiving a plan.
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