BANKING & FINANCE TOPICS

​​​​​​​Background of the study

A sound and competent banking sector is essential for a stable macroeconomic environment, therefore, the importance of commercial banks in a country cannot be overemphasized, because they occupy key positions in a country’s financial system and are essential agents that would lead to the growth of any economy (Oloye & Osuma, 2015). Commercial banks also act as the agents of financial intermediation within a country by moving...

ABSTRACT

Banking is in the midst of change that has arisen due to economic depression. As government seek to improve economic efficiency and better allocation of resources to solve the problem of economic depression, policy makers are shifting towards openness, competitiveness and market discipline. In response to the developments, Deposit Money Banks in. Nigeria engaged in financial sanitizing, management strengthening, corporate refocusing, Busine...

ABSTRACT

This research work assess the impact of bank charges on customer saving habit a case study of union bank plc Enugu. On this research work we determine the relationships between banks and their clients suggest that there are many factors that are at play in determining the relationship between banks and their clients. Thus the following objectives were formulated to ascertain those factors that affect bank savings in Nigeria, to identify the...

Background of the study

Cooperative financing represents a critical mechanism in the economic development of rural areas, often facilitating access to financial resources for underserved populations. This study focuses on the impact of cooperative financing on rural development, with a specific emphasis on Ochanja market in Onitsha, Anambra State, Nigeria. Cooperative financial institutions, including savings and credit cooperatives, have shown sign...

​​​​​​​Background to the Study

Competition from nonbank financial institutions, technological advancements, rising non- performing assets, rising consumer expectations, rising profitability req...

Background Of The Study

Nigeria's financial landscape has never been static. New services and products are offered on a regular basis, changing the way Nigerians engage with financial institutions and the Nigerian monetary and payment system (Adelman 2015). Prior to the introduction of electronic devices in the delivery of banking services in Nigeria, banking operations were and continue to be plagued by ineptitude, time-consuming bureaucracy, b...

Background of study

The importance of banks and other financial institutions in a developing country like Nigeria can not be overstated. Banks act as a middleman, directing funds from the fund surplus to the fund deficit sectors of the economy, which is extremely beneficial to the economy's growth. To fulfill its goals, the banking industry must adopt well-articulated norms and policies aimed at maximizing the use of limited resources. The goal...

Background to the study

There are several factors that affect the performance of banks. In this research work profitability shall be used as the performance indicator of banks. The mostly direct factors that affect profitability are the· regulatory framework under which banks operate. This framework can be divided into two broad aspects: monetary and banking policies. In all economies, these policies are norm...

Statement of the Problem

Effective service delivery in the service industry and the banking sector in particular, is the ultimate goal and objective so that customer retention can be evidently possible. More often than not, it can be quite an issue. It is therefore expedient that banks strive hard to ensure that their teeming customers are satisfied with their service delivery. Traditional banking practice in Nigeria in the time past was done without much regards to...

ABSTRACT

This work examined the effect of tax revenue on economic growth in Cote d’Ivoire, Ghana and Nigeria from 2026 to 2020. Specifically, the study sought to; determine the effect of value added tax on economic growth; investigate the effect of personal income tax on economic growth; ascertain the effect of petroleum profit tax on economic growth; examine the effect of company income tax on economic growth; and evaluate the effect of custom and excise duties on economic gr...

ABSTRACT

The study evaluated the relationship between fiscal policy and economic growth in Nigeria using time series data spanning from 1981 to 2019. The specific objectives include: to ascertain the extent of relationship between oil revenue and economic growth in Nigeria; to determine the degree of relationship between non-oil revenue and economic growth in Nigeria; to evaluate the extent of relationship between capital expenditure and economic growth in Nigeria; to find out the e...

ABSTRACT

This study investigated the relationship between financial performance and dividend policy for a sample of fifteen deposit money banks quoted on the Nigeria Stock Exchange between 2010 and 2019. The statistical methods used for the analysis are descriptive statistics, correlation results, and panel least square. The study revealed that there is a positive but no significant relationship between financial performance and dividend payout ratio; and there is a positive but not...

ABSTRACT

This study explores the immense role of the microfinance banks in the alleviation of poverty in Nigeria. The researcher revealed that the rate at which rural dwellers deposit their money in their pillows rather than in microfinance banks is high. Data were collected through primary and secondary sources. As regarded to primary sources, questionnaires and interviewed were used. The chi-square (x²) method was used for testing of hypotheses. Responses to the questionnaire...

ABSTRACT

The primary objectives of this study was to examine how the financial institution export finance in Nigeria using First Bank of Nigeria Plc Onitsha branch as a case study. In carrying out this study, I used survey method in which I used the questionnaire to collect data. The target population was the staff of first bank of Nigeria Plc Onitsha Branch from which a sample of 80 was drawn. I used research questions and formulated research hypotheses. The relevant literature was...

ABSTRACT

The subject matter of this research work is to evaluate the extent to which Small Scale entrepreneurs in Enugu have been able to obtain loans and raise finance from Nigerian Commercial Banks as a major source of finance to the economy. The main objective of the study is to establish the role of Commercial Banks in financing Small Scale Enterprises (SSEs) in Enugu .A review of literature was done to ensure the conclusion of the study. Based on the analysis, Commercial Banks...

ABSTRACT

This study critically investigated the impact of non-oil exports on the growth of the Nigerian economy from 1990-2020 using a disaggregated approach. Specifically, the study investigated the impact of agricultural product export, manufacturing product export, solid mineral export, services product export on real gross domestic product per capital growth rate. Data for the study were sourced from World Bank Data Bank (2020); International Monetary Fund (2020); and Central Ba...

ABSTRACT

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 in...

ABSTRACT

This study evaluated the influence of Nigerian bond market on the Nigerian economy, using data covering the period of 30 years ranging from 1990-2019. An autoregressive distributed lag model and the ECM approach were devised so as to identify both the long and short term influence of bonds market activities on economic performance. For a more accurate analysis, Econometric Views (E-Views) version 9.0 was used to run the regression analysis. Prequel to the regression result,...

ABSTRACT

The purpose of the research is to determine the impact of Technology Based Self-Service Banking (TBSSB) on customers’ satisfaction in the Nigerian Banking Sector. Focus is given to five selected banks within Yola metropolis, in Adamawa state. The research determines the degree of impact of speed of delivery, convenience, efficiency, reliability & security as well as their influence on customer satisfaction. In this context, the speed of delivery, convenience, effi...

Abstract

The banking industry of the 21st century operates in a complex and competitive environment characterized by ever-changing economic and financial environment with information and communication technology (ICT) at the center of this change. As Information Technology is vital in banking operations today, it becomes imperative for banks to realize its impact on operational performance in order to justify capital investments. The objective of this work was to ex...

Background of the Study

With all the measures implemented to encourage new business, help existing businesses grow and to ultimately improve the economy, there is still a growing concern of business development. As a means to address this concern, microfinance banks were introduced to cater especially for the poor low income earners who are underserved by conventional commercial banks. According to Echo Microfinance, microfinance banks are institutions licensed by the Central Bank o...

ABSTRACT

This research work is an attempt to find out the “problem and prospects of electronic banking in Nigeria”. The research geared toward explaining what Electronic Banking is all about and when it was introduce into Nigeria.  The research also explained the services and the features of electronic Banking in Nigeria.  Though some of the information is between the bankers and their customers, the researcher was able to fin...

ABSTRACT

The study evaluates the impact of the relationship between e-banking and cyber crime, the study has the following objectives,to evaluate the relationship between e-banking and cyber crime, to identify factors militating against effective e-banking services, to determine the solution to the issues of cybercrimes that are related to e-banking.

Concerning methodology for this study, data was obtained from primary source that is questionnaire and seco...

Statement of the Problem

The existing system is plagued with the following problems;

1. Traditional authentication systems cannot discriminate between an impostor who fraudulently obtains the access privileges and the real owner.
2.  Passwords and PINs can be illicitly acquired by direct covert observation.
3.  Easily guessed PIN's and passwords e.g. birthday, 1234 etc.
4. Malware can be placed at...

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Abstract

This research was carried out to find out the Impact of Industrial Training on Banking and Finance Students of I.M.T. Enugu. The project was divided into four chapters. Chapter one dealt with Background of the study scope of the study and limitation of the study. Chapter two looked at the methodology used for the research, while chapter three gave a vertical analysis of the Related Literature Review, Historical Background of Industrial Training Fund and Dev...