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CREDIT MANAGEMENT IN THE BANKING INDUSTRY: A CASE STUDY OF UNITED BANK FOR AFRICA (U.B.A.)
ABSTRACT
This project examined the structure of credit management in the banking industry with special reference to the United Bank for Africa (UBA) kaduna North Branch. The objectives of the study are to investigate various credit facilities offered by the bank to customers, to assess the efficiency of its credit management policies and to determine the extent of the effects of the policies on the organisational productivity. The summary of the findings indicate that the bank has the following kinds of credit facilities in her credit portfolio winch include loans, bonds, indemnity guarantees, direct credit, documents, bankers acceptances, stock replacements credit, documentary credit and overdraft. The Bank also operates under stipulated credit regulatory policies which relate seriously to credit worthiness, debt recovery, check system with an inducement facility collateral and litigation as a last resort. The study revealed that the credit policies of the bank are effective, that it is not always the faults of the borrower to repay debt, and that the delays in repayment of debt affect the lending organisations (i.e. the bank adversely). Based on the findings, the researcher made some useful recommendations for banking industry and other users of the data.
TABLE OF CONTENT
Title page- – – – – – – – – i
Approval page – – – – – – – -ii
Dedication – – – – – – – – -iii
Acknowledgement – – – – – – – -iv
Abstract – – – – – – – – – -v
Table of content – – – – – – – -vi
CHAPTER ONE
INTRODUCTION – – – – – – – -1
1.0 Background of the study – – – – -1
1.1 Statement of the problem – – – – -5
1.2 Purpose of the study – – – – – -6
1.3 Significance of the study – – – – -8
1.4 Research questions – – – – – -9
1.5 Scope of the study – – – – – – -10
CHAPTER TWO
LITERATURE REVIEW – – – – – – -11
CHAPTER THREE
Research methodology – – – – – – -39
Design of study – – – – – – – -40
CHAPTER FOUR
Presentation, analysis and interpretation of data – -48
CHAPTER FIVE
Summary of findings – – – – – – -60
Conclusion – – – – – – – – -61
Recommendations – – – – – – – -62
Suggestions for further research – – – – -64
References – – – – – – – – -65
Appendix I – – – – — – – – -68
Questionnaire. – – – – – – – -69
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