BANK FINANCING SMALL SCALE BUSINESS UNIT.

(A CASE STUDY OF FIRST BANK OF NIGERIA PLC ENUGU BRANCH)

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COMPLETE PROJECT  MATERIAL COST 5000 NAIRA OR $10 , 

. A FRESH TOPIC NOT LISTED ON OUR WEBSITE COST 50,000 NAIRA ( UNDERGRADUATE) OR 100,000 FOR SECOND DEGREE STUDENTS. $500. PLUS  FREE SUPPORT UNTIL YOU FINISH YOUR PROJECT WORK. CONTACT US TODAY, WE MAKE A DIFFERENT. DESIGN AND WRITING IS OUR SKILLED.  DESIGN AND WRITING IS OUR SKILLED.

Note: our case study can be change to suit your desire location . we are here for your success.

                                   ORDER NOW

Foreign Transaction For Dollars Payment :
Bank Name: GTBank
Branch Location: Enugu State,Nigeria.
Account Name: Chi E-Concept Int’l
 Account Number:  0117780667. 
Swift Code: GTBINGLA 
Dollar conversion rate for Naira is 175 per dollar. 

ATM CARD:  YOU CAN ALSO MAKE PAYMENT USING YOUR ATM CARD OR ONLINE TRANSFER. PLEASE CONTACT YOUR BANKER SECURITY GUIDE ON HOW TO TRANSFER MONEY TO OTHER BANKS USING YOUR ATM CARD. ATM CARD OR ONLINE BANK TRANSFER IS FASTER FOR QUICK DELIVERY TO YOUR EMAIL . OUR MARKETER WILL RESPOND TO YOU ANY TIME OF THE DAY. WE SUPPORT CBN CASHLESS SOCIETY. 

OR
PAY ONLINE USING YOUR ATM CARD. IT IS SECURED AND RELIABLE.

form>DELIVERY PERIOD FOR BANK PAYMENT IS  LESS THAN 2 HOURS

How to transfer from your bank account to All  Nigeria banks without internet

1. Access Bank:
—-*901#

2. EcoBank:
—-*326#

3. Fidelity Bank:
—-*770#

4. FCMB:
—-*389*214#

5. First Bank
—-*894#

6. GTB:
—-*737#

7. Heritage Bank:
—-*322*030#

8. Keystone Bank:
—-*322*082#

9. Sky Bank:
—-*389*076*1#

10. Stanbic IBTC:
—-*909#

11. Sterling Bank:
—-*822#

12. UBA:
—-*389*033*1#

13. Unity Bank:
—-*322*215#

14. Zenith Bank:
—-*966#

15. Diamond Bank
—-*710*555#

To know your BVN, dial
—-*565*0#.

E.g for First bank…   *894 *Amount *Acct. No. #

Please dail d code from d number u used to register d account from the bank

CALL OKEKE CHIDI C ON :  08074466939,08063386834.

AFTER PAYMENT SEND YOUR PAYMENT DETAILS TO

08074466939 or 08063386834, YOUR PROJECT TITLE  YOU WANT US TO SEND TO YOU, AMOUNT PAID, DEPOSITOR NAME, UR EMAIL ADDRESS,PAYMENT DATE. YOU WILL RECEIVE YOUR MATERIAL IN LESS THAN 2 HOURS ONCE WILL CONFIRM YOUR PAYMENT.

WE HAVE SECURITY IN OUR BUSINESS.   

MONEY BACK GUARANTEE

 

CHAPTER ONE:  INTRODUCTION

• BACKGROUND OF STUDY
• STATEMENT OF PROBLEM
• OBJECTIVE OF THE STUDY
• SIGNIFICANCE OF THE STUDY
• HYPOTHESIS
• SCOPE AND LIMITATION OF THE STUDY
• DEFINITION OF TERMS

 

 

 

CHAPTER TWO; LITERATURE REVIEW

• MEANING OF GOVERNMENT BUDGET
• OBJECTIVES OF BUDGET
• CONTENTS OF BUDGET DOCUMENTS
• ANAMBRA STATE GOVERNMENT BUDGET
• BUDGETARY PROCEDURES
• REPETITIVE BUDGETING
• EFFECTS OF INFLATION ON BUDGET
• POLITICIANS POLITICAL SYSTEMS AND BUDGETARY IMPLEMENTATION.

 

CHAPTER THREE; RESEARCH DESIGN AND METHODOLOGY

• SOURCES OF DATA
• INTERVIEW QUESTIONS
• SAMPLES USED
• METHODS OF INVESTIGATION

 

CHAPTER FOUR;  DATA ANALYSIS

 

 

CHAPTER FIVE; FINDINGS

RECOMMENDATIONS AND CONCLUSION

APPENDICES

BIBLIOGRAPHY

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CHAPTER ONE

• BACKGROUND OF THE STUDY

Man, Since the past ages, has been battling with procurements of a reasonable standard of living and the ways of managing his perpetual inadequate.  The eventful development of organised Society had to the Institution of government.  During the 15^th Century, when mercantilism  was the order of the, government had right to interfere with the economic process to protect the interest of the nation (as then seen mainly from the view point of international trade) “I, during 18^th Century, the phsyio-crate and Adam Smith came with laisesez fair.

This doctrine also suited its own period but  the general depression of the 28^th Century indicated that it was not after an economic panacea.

It was during the 2oth Century that keynes, come out with own postulation.  To be presence during the 1930’s Keynesian economic developed and emphasized “the Cyclical movement of the economy and the need to temper such movement by artificially manipulation the through and the there depressions in the cycle in order to facilitate a better economic order.

Infact, it was the policy implications of Keynesian economics that have contributed to the trends which led to planning and budgeting as a tool in political administration.

Today Nigeria is moving towards the forty fourth year of Independence.  Within the previous forty three years, so many budgets have been propounded and announced.  Same have been these budget and policies were made to enhance the Nigeria’s Standard of Living which is very lows, as at the time of this study.

Budgets in Nigeria as a whole have traditionally promised to aken the primary Socio-economic problems facing the Nigeria such problems are non availability of food at affordable prices, poor health services, High rate of fuel pump prices, inefficient transport and Communication systems (Network Coverage) and lack of job opportunities for the mushroom army of he unemployed to mention but a few.  But the greatest problem facing Nigerians is that the policy and implementation of these budgetary plans have always fallen short of set target.

The 1995/1996 budget either was not an exception.  It was set to achieve a “non-inflationary”  growth in the economy.    But was there inflation in 1995 (if one may ask).   The answer is yes.  There was twenty-five percent (25%) rate of inflation.  Therefore, the budgetary target was not also all achieved in 1996 fiscal year.   The 1995 budget on inflation rate rise to 74.3 percent. It means that there is high rate of inflation in 1995.  So the 1995 and 1996 budget fell short of the target.

 

 

 

• STATEMENT OF PROBLEM

The writer is of the opinion that so many budget have been made in Nigeria as well as in the various states that made up of the Country.  Since budgets have made in Nigeria, methods exist in which he budgetary plans were implemented.  If one may ask again, these methods are they the proper ways of implementation?.   We are yet to know Anambra State has also made so many budgets which were also executed in various methods. In what ways do the State raise its funds is another questions.  If all these are to be condensed into one Sent once, this is the study proper Accounting

THE IMPORTANCE AND ROLES OF INSURANCE INDUSTRY IN NIGERIAN ECONOMY

Click here to download our android mobile app to your phone  for more materials and others

COMPLETE PROJECT  MATERIAL COST 5000 NAIRA OR $10 , 

. A FRESH TOPIC NOT LISTED ON OUR WEBSITE COST 50,000 NAIRA ( UNDERGRADUATE) OR 100,000 FOR SECOND DEGREE STUDENTS. $500. PLUS  FREE SUPPORT UNTIL YOU FINISH YOUR PROJECT WORK. CONTACT US TODAY, WE MAKE A DIFFERENT. DESIGN AND WRITING IS OUR SKILLED.  DESIGN AND WRITING IS OUR SKILLED.

Note: our case study can be change to suit your desire location . we are here for your success.

                                   ORDER NOW

Foreign Transaction For Dollars Payment :
Bank Name: GTBank
Branch Location: Enugu State,Nigeria.
Account Name: Chi E-Concept Int’l
 Account Number:  0117780667. 
Swift Code: GTBINGLA 
Dollar conversion rate for Naira is 175 per dollar. 

ATM CARD:  YOU CAN ALSO MAKE PAYMENT USING YOUR ATM CARD OR ONLINE TRANSFER. PLEASE CONTACT YOUR BANKER SECURITY GUIDE ON HOW TO TRANSFER MONEY TO OTHER BANKS USING YOUR ATM CARD. ATM CARD OR ONLINE BANK TRANSFER IS FASTER FOR QUICK DELIVERY TO YOUR EMAIL . OUR MARKETER WILL RESPOND TO YOU ANY TIME OF THE DAY. WE SUPPORT CBN CASHLESS SOCIETY. 

OR
PAY ONLINE USING YOUR ATM CARD. IT IS SECURED AND RELIABLE.

form>DELIVERY PERIOD FOR BANK PAYMENT IS  LESS THAN 2 HOURS

How to transfer from your bank account to All  Nigeria banks without internet

1. Access Bank:
—-*901#

2. EcoBank:
—-*326#

3. Fidelity Bank:
—-*770#

4. FCMB:
—-*389*214#

5. First Bank
—-*894#

6. GTB:
—-*737#

7. Heritage Bank:
—-*322*030#

8. Keystone Bank:
—-*322*082#

9. Sky Bank:
—-*389*076*1#

10. Stanbic IBTC:
—-*909#

11. Sterling Bank:
—-*822#

12. UBA:
—-*389*033*1#

13. Unity Bank:
—-*322*215#

14. Zenith Bank:
—-*966#

15. Diamond Bank
—-*710*555#

To know your BVN, dial
—-*565*0#.

E.g for First bank…   *894 *Amount *Acct. No. #

Please dail d code from d number u used to register d account from the bank

CALL OKEKE CHIDI C ON :  08074466939,08063386834.

AFTER PAYMENT SEND YOUR PAYMENT DETAILS TO

08074466939 or 08063386834, YOUR PROJECT TITLE  YOU WANT US TO SEND TO YOU, AMOUNT PAID, DEPOSITOR NAME, UR EMAIL ADDRESS,PAYMENT DATE. YOU WILL RECEIVE YOUR MATERIAL IN LESS THAN 2 HOURS ONCE WILL CONFIRM YOUR PAYMENT.

WE HAVE SECURITY IN OUR BUSINESS.   

MONEY BACK GUARANTEE

Click here to download our android mobile app to your phone  for more materials and others

 

 

 

 

WE GUARANTEE EXCELLENT RESULT IN YOUR PROJECT.

Foreign Transaction For Dollars Payment :
Bank Name: GTBank
Branch Location: Enugu State,Nigeria.
Account Name: Chi E-Concept Int’l
 Account Number:  0117780667. 
Swift Code: GTBINGLA 
Dollar conversion rate for Naira is 175 per dollar. 

ATM CARD:  YOU CAN ALSO MAKE PAYMENT USING YOUR ATM CARD OR ONLINE TRANSFER. PLEASE CONTACT YOUR BANK SECURITY FOR GUIDE ON HOW TO TRANSFER MONEY TO OTHER BANKS USING YOUR ATM CARD. ATM CARD OR ONLINE BANK TRANSFER IS FASTER FOR QUICK DELIVERY TO YOUR EMAIL . OUR MARKETER WILL RESPOND TO YOU ANY TIME OF THE DAY. WE SUPPORT CBN CASHLESS SOCIETY. 

OR
PAY ONLINE USING YOUR ATM CARD. IT IS SECURED AND RELIABLE.

form>DELIVERY PERIOD FOR BANK PAYMENT IS  LESS THAN 24 HOURS

CALL OKEKE CHIDI C ON :  08074466939,08063386834.

AFTER PAYMENT SEND YOUR PAYMENT DETAILS TO

08074466939 or 08063386834, YOUR PROJECT TITLE  YOU WANT US TO SEND TO YOU, AMOUNT PAID, DEPOSITOR NAME, UR EMAIL ADDRESS,PAYMENT DATE. YOU WILL RECEIVE YOUR MATERIAL IN LESS THAN 1 HOURS ONCE WILL CONFIRM YOUR PAYMENT.

WE HAVE SECURITY IN OUR BUSINESS.   

MONEY BACK GUARANTEE!!!

 

CHAPTER ONE

 

• INTRODUCTION

Insurance industry is a very vital aspect of Nigeria economy,

and its importance and roles can not be overemphasized, in this project work the researcher want to identify the history of insurance industry in the Nigerian economy and also the actual roles and the importance of insurance industry to the common man and the society at large, such roles and importance includes in every sector of the economy, like, the banking sector, Agricultural sector, aviation sector, Business sector etc.

The research work also treated the types of insurance industry in  Nigeria, here the researcher compared it with the types operated overseas, and the method used to the standard.  Also the project work, focused on the problem encountered by the industry and all the necessary measures that can be used to improve Nigeria insurance up to the world’s standards.  Such problems are viz:

(a)      Lack of government  support;

(b)     Illiteracy in the part of the common man, since Nigeria is still developing;

 

(c)      Lack of adequate infrastructures etc. and the measures to solving them are:

1. public awareness campaign
2. Adequate finding by the government

• Co-operation of the government and the insurance industry to help improve the economy etc.

 

• BACKGROUND OF THE STUDY

The development of insurance industry, in Nigeria has passed

through three distinguishable phases: the initial open door phase, roughly between 1990 and 1960, the transitional phase which concludes with the first national development plan period, 1962 – 1969 and the take  off phase (1990 to the present times), withness the toughening of the framework of government regulation and represents a radical change in government’s attitude toward the control the industry.

THE COLONIAL ERA:

There was when the insurance market were dominated with European companies who monopolies the insurance industry, during this early period, a number of factors did not ensure an active market.  Economic activity is at low level, there was no insurance consciousness by the populace, due to non-existence of some legislation, like that of motor vehicle and other things, it made Nigerian market to grow in a low pace and also the third world war hindered the growth of the market.

After the war, Nigeria experienced a lot of improvement, and after that was the introduction of the worker’s compensation act of 1940 and the road traffic act of 1945 which came into force on 1^st April 1950.  Due to the increase in insurance industry in Nigeria.

 

 

 

TRANSITIONAL PHASE:

This was after Nigeria had their, independent, there was a rapid increase in the number of company establishment, and an increase in insurance industries and some of the foreign companies were turned to indigenous companies.  The first step was to regulate the operations of the insurance companies to ensure a sound and efficiency insurance market, which would not only discharge its duties to members of the insuring public but would constitute the solid foundation for future growth and development.  It was also discovered that some of the insurance companies are not investing in Nigeria, because there was no provision in the law.  This lead to the Act of 1964 which states that  any insurer should invest two – fifth of its premium in Nigeria.

As Nigerian’s insurances industry increases, it was discovered that it is operated by some inexperience people, and it led to problems, and the government arrested the situation by appointing Dr Karl Reichel in October 1966 a United Nations expert.  The most far reaching action of government, which improves insurance business in Nigeria was the establishment of the National Insurance Corporation of Nigeria (NICON) in 1 July, 1969.  in June 1970 the post of the superintendent and deputy superintendence was credited.  This phase experience increase in adoption of direct mechanism, a charging situation which was the inevitable result of the growing belief that effective control of the economy must necessarily accomply the achievement of political independence.

 

PRESENT STAGE:

This was were all the problems and weakness, in the previous stages was corrected, and the government had control or exclusive public ownership of very strategic industries.  The policy of the Federal Military government to participate in a number of key industries was formulated and implemented.  They set up their own institutions and also participated in equity holding of viable foreign owned enterprises.  The government also helped in the promotion, supervision and control of insurance industry in other to protect the investing public.

One of the recent development is the creation of reinsurance, which was mainly operated by Europeans and others.  And also the lunch of the National health Insurance Scheme (NHIS) by president Olusegun Obasamnjo GCFR on 29^th may, 205.

The present stage has thus exhibited the features of the “take of phase”, the market is greatly boosted by legislative provisions for compulsory insurance; set owned industries dot the industrial map of the company, again with the indirect effect of boosting the insurance business new legislation is passed with a view to indulgencing the insurance industry and providing a strong financial base for the companies and ensuring a high standard of insurance practice in Nigeria.

 

 

 

 

• STATEMENT OF PROBLEM

In this section the researcher focused on the prevalence

problems that has led to the insurance industries in Nigeria not performing so well.  These problem militating against the insurance industries roles in Nigeria economy are as follows:

1. Ignorance in the part of the member of the public.

THE NEED FOR ACCOUNTING EDUCATION IN SMALL SCALE INDUSTRIES

Click here to download our android mobile app to your phone  for more materials and others

COMPLETE PROJECT  MATERIAL COST 5000 NAIRA OR $10 , 

. A FRESH TOPIC NOT LISTED ON OUR WEBSITE COST 50,000 NAIRA ( UNDERGRADUATE) OR 100,000 FOR SECOND DEGREE STUDENTS. $500. PLUS  FREE SUPPORT UNTIL YOU FINISH YOUR PROJECT WORK. CONTACT US TODAY, WE MAKE A DIFFERENT. DESIGN AND WRITING IS OUR SKILLED.  DESIGN AND WRITING IS OUR SKILLED.

Note: our case study can be change to suit your desire location . we are here for your success.

                                   ORDER NOW

Foreign Transaction For Dollars Payment :
Bank Name: GTBank
Branch Location: Enugu State,Nigeria.
Account Name: Chi E-Concept Int’l
 Account Number:  0117780667. 
Swift Code: GTBINGLA 
Dollar conversion rate for Naira is 175 per dollar. 

ATM CARD:  YOU CAN ALSO MAKE PAYMENT USING YOUR ATM CARD OR ONLINE TRANSFER. PLEASE CONTACT YOUR BANKER SECURITY GUIDE ON HOW TO TRANSFER MONEY TO OTHER BANKS USING YOUR ATM CARD. ATM CARD OR ONLINE BANK TRANSFER IS FASTER FOR QUICK DELIVERY TO YOUR EMAIL . OUR MARKETER WILL RESPOND TO YOU ANY TIME OF THE DAY. WE SUPPORT CBN CASHLESS SOCIETY. 

OR
PAY ONLINE USING YOUR ATM CARD. IT IS SECURED AND RELIABLE.

form>DELIVERY PERIOD FOR BANK PAYMENT IS  LESS THAN 2 HOURS

How to transfer from your bank account to All  Nigeria banks without internet

1. Access Bank:
—-*901#

2. EcoBank:
—-*326#

3. Fidelity Bank:
—-*770#

4. FCMB:
—-*389*214#

5. First Bank
—-*894#

6. GTB:
—-*737#

7. Heritage Bank:
—-*322*030#

8. Keystone Bank:
—-*322*082#

9. Sky Bank:
—-*389*076*1#

10. Stanbic IBTC:
—-*909#

11. Sterling Bank:
—-*822#

12. UBA:
—-*389*033*1#

13. Unity Bank:
—-*322*215#

14. Zenith Bank:
—-*966#

15. Diamond Bank
—-*710*555#

To know your BVN, dial
—-*565*0#.

E.g for First bank…   *894 *Amount *Acct. No. #

Please dail d code from d number u used to register d account from the bank

CALL OKEKE CHIDI C ON :  08074466939,08063386834.

AFTER PAYMENT SEND YOUR PAYMENT DETAILS TO

08074466939 or 08063386834, YOUR PROJECT TITLE  YOU WANT US TO SEND TO YOU, AMOUNT PAID, DEPOSITOR NAME, UR EMAIL ADDRESS,PAYMENT DATE. YOU WILL RECEIVE YOUR MATERIAL IN LESS THAN 2 HOURS ONCE WILL CONFIRM YOUR PAYMENT.

WE HAVE SECURITY IN OUR BUSINESS.   

MONEY BACK GUARANTEE

 

Click here to download our android mobile app to your phone  for more materials and others

 

ABSTRACT

 

The face is generally recognized that small scales industries constane the major of business organization in Nigeria.

The problem tend to investment of the investigate, the small scale industries the propose of carrying that this study is ascertains of the necessary for small scale industries to acquire knowledge effectively.

In this study, the research tries to fund out if there is any relationship between accounting and management to small scale industries.

The result finding also showed that small scale industries play, important role in an economy that be courtants managers of small scale industries will increase their managerial skill if they acquire some training in accounting while attending summers. The research sees accounting as can in enable knowledge  in the management of small business enterprise.

 

TABLE OF CONTEN

 

CHAPTER ONE

• Introduction

1.1     Back Ground of Study

• Statement of Problems
• Purpose of Study
• Signification of Study
• Scope and Limitation of the Study
• Definition of Terms

 

CHAPTER TWO

• Related Literature Review

2.1     Contempt of Small Scale Industries

• Accounting Problems in Small Scale industry
• Importance of Accounting to Industries
• Role of Accountant.

 

CHAPTER THREE

• Summary of Finding
• Conclusion
• Recommendation

Bibliography

CHAPTER ONE

• INTRODUCTION

1.1     BACKGROUND OF STUDY

Accounting is an old as the exchange process (Whether) barter or monitory that gradually developed with civilization.

We study accounting for business and not business for accounting, second  communication and exportation of business idea seen to be the most important function of accounting as it relates to business, it is a fact that business organization can not do without making use of accounting information and ideas in their day to days activities the significance of accounting education in a developing nation such as ours can not be payed down, in short, accounting evolved in orders to locate responsibility prevent fraud guide industries in their bads in attendance of their organization goals, it equally provide solution to their numerous problems.

Development of small scale industries small scale industries developed in most rural areas as peascents  training on palm produce with crude milling equipment and probably few important madines the generses of small scale industries began form the processing of food down to the manafactucing of basic tools and other implement for out daily use.

Every small scale industrialist has profit at the back of his mind before carrying out the project at the higher the amount, the more prove to accountability so small scale industrialist should be able to give account. It is therefore important that small scale enterprise be well equipped with proper accounting because it will ensure confidence and proper financial procedure, Hence, good record keeping give in details the knowledge of expense in come  as profit or loss is the first step to wards profitable management of any business.

 

• STATEMENT OF PROBLEMS

Small scale industries to play a major part in the overall economic development of nation a look at the Nigeria business  sectors show that small scales business are frequently but they either do not grow or they under go negative growth.

At worse, those that can not keep up with the harsh economic environment winds up one of the problem that hind success  in small scale business as lack of relevant experience or lack of adequate accounting education that make for poor management of the industries, little attention is parts to this

PROBLEMS OF OBTAINING BANK LOANS IN NIGERIAN BANKS

Click here to download our android mobile app to your phone  for more materials and others

COMPLETE PROJECT  MATERIAL COST 5000 NAIRA OR $10 , 

. A FRESH TOPIC NOT LISTED ON OUR WEBSITE COST 50,000 NAIRA ( UNDERGRADUATE) OR 100,000 FOR SECOND DEGREE STUDENTS. $500. PLUS  FREE SUPPORT UNTIL YOU FINISH YOUR PROJECT WORK. CONTACT US TODAY, WE MAKE A DIFFERENT. DESIGN AND WRITING IS OUR SKILLED.  DESIGN AND WRITING IS OUR SKILLED.

Note: our case study can be change to suit your desire location . we are here for your success.

                                   ORDER NOW

Foreign Transaction For Dollars Payment :
Bank Name: GTBank
Branch Location: Enugu State,Nigeria.
Account Name: Chi E-Concept Int’l
 Account Number:  0117780667. 
Swift Code: GTBINGLA 
Dollar conversion rate for Naira is 175 per dollar. 

ATM CARD:  YOU CAN ALSO MAKE PAYMENT USING YOUR ATM CARD OR ONLINE TRANSFER. PLEASE CONTACT YOUR BANKER SECURITY GUIDE ON HOW TO TRANSFER MONEY TO OTHER BANKS USING YOUR ATM CARD. ATM CARD OR ONLINE BANK TRANSFER IS FASTER FOR QUICK DELIVERY TO YOUR EMAIL . OUR MARKETER WILL RESPOND TO YOU ANY TIME OF THE DAY. WE SUPPORT CBN CASHLESS SOCIETY. 

OR
PAY ONLINE USING YOUR ATM CARD. IT IS SECURED AND RELIABLE.

form>DELIVERY PERIOD FOR BANK PAYMENT IS  LESS THAN 2 HOURS

How to transfer from your bank account to All  Nigeria banks without internet

1. Access Bank:
—-*901#

2. EcoBank:
—-*326#

3. Fidelity Bank:
—-*770#

4. FCMB:
—-*389*214#

5. First Bank
—-*894#

6. GTB:
—-*737#

7. Heritage Bank:
—-*322*030#

8. Keystone Bank:
—-*322*082#

9. Sky Bank:
—-*389*076*1#

10. Stanbic IBTC:
—-*909#

11. Sterling Bank:
—-*822#

12. UBA:
—-*389*033*1#

13. Unity Bank:
—-*322*215#

14. Zenith Bank:
—-*966#

15. Diamond Bank
—-*710*555#

To know your BVN, dial
—-*565*0#.

E.g for First bank…   *894 *Amount *Acct. No. #

Please dail d code from d number u used to register d account from the bank

CALL OKEKE CHIDI C ON :  08074466939,08063386834.

AFTER PAYMENT SEND YOUR PAYMENT DETAILS TO

08074466939 or 08063386834, YOUR PROJECT TITLE  YOU WANT US TO SEND TO YOU, AMOUNT PAID, DEPOSITOR NAME, UR EMAIL ADDRESS,PAYMENT DATE. YOU WILL RECEIVE YOUR MATERIAL IN LESS THAN 2 HOURS ONCE WILL CONFIRM YOUR PAYMENT.

WE HAVE SECURITY IN OUR BUSINESS.   

MONEY BACK GUARANTEE

Click here to download our android mobile app to your phone  for more materials and others

 

 

ABSTRACT

          This research aims at tracing the problems that borrowers do encounter while obtaining loans from banks and the causes of these problems.

The researcher trims to view these problem emanating from the borrower method of application vis-à-vis the central bank credit guidelines and the commercial bank principles and practice of lending.

The researcher also analysis this issue from the point of view oft eh borrow and attempt to make this thesis more understandable by first of all reviewing the different aspects to bank loans, different principles and practices of lending obtainable indifferent country and finally throwing light on the economic effects of low banking lending.

Some prospects and recommendation were also discussed as conclusion. The research is not exhaustive but for time and financial constraint.

 

 

 

TABLE OF CONTENTS

CHAPTER ONE

• Introduction

1.1     Background of the study

• Objective of the study
• Significant of the study
• Scope and limitation of study
• Definition of terms.

CHAPTER TWO

• Literature Reviewed

2.1     Short term loan and over draft

• Medium and long term loan
• Principles of Good Bank Lending
• Lending procedure advantages and disadvantages
• Problems of bank lending
• Securities for bank lending.

CHAPTER THREE

3.0     Summary and finding

• Conclusion
• Recommendation

Bibliography.

 

 

 

 

CHAPTER ONE

 

 

• INTRODUCTION

1.1     BACKGROUND OF THE STUDY:

Erasing enterprises is established with the assumption that the objective of every management is to maximize profit.  And a very good example of the sector is the financial institution known as the banking sector.  The phenomenal growth of banks following the introduction of SAP creates a fake impression that the banking sector is an all corners business.

The banking and financial industry if unique in that it depends mostly on the public confidence and once the confidence is eroded on some banks, it may spread to other banks and institutions and this could be very dangerous to the whole system and the economy at large.

It should also be noted as (Orji 1998) stressed that bank lending simply means credit creation and that implies that the profit maximization of the banks is mainly realized through credit creation, the bank authorities should abide by the rules and regulation of APEX Bank (CBN) i.e. lending to the worst unit sector of the economy and on a reliable collaterals.

The research work will focus on the possible reasons for bank failures.  In this regard of loan lending and loan recovery and effect of such on the rest of the populace plus how the financial industry could be transformed to meet the increasing challenges of the present day and finally assessing the role of the Central Bank of Nigeria in ensuring safety of bank loan.

 

• OBJECTIVE OF THE STUDY:

The issue of bank lending and its recovery strategies passed as a challenge to the financial sector in particular and the whole economy in general and as such the project work is carried out to meet the following aims and objectives.

1. To know if the increased administrative expenses can be eliminated by good lending policies.

To find out if default borrowers can

CHALLENGES OF INTERNAL AUDIT

Click here to download our android mobile app to your phone  for more materials and others

COMPLETE PROJECT  MATERIAL COST 5000 NAIRA OR $10 , 

. A FRESH TOPIC NOT LISTED ON OUR WEBSITE COST 50,000 NAIRA ( UNDERGRADUATE) OR 100,000 FOR SECOND DEGREE STUDENTS. $500. PLUS  FREE SUPPORT UNTIL YOU FINISH YOUR PROJECT WORK. CONTACT US TODAY, WE MAKE A DIFFERENT. DESIGN AND WRITING IS OUR SKILLED.  DESIGN AND WRITING IS OUR SKILLED.

Note: our case study can be change to suit your desire location . we are here for your success.

                                   ORDER NOW

Foreign Transaction For Dollars Payment :
Bank Name: GTBank
Branch Location: Enugu State,Nigeria.
Account Name: Chi E-Concept Int’l
 Account Number:  0117780667. 
Swift Code: GTBINGLA 
Dollar conversion rate for Naira is 175 per dollar. 

ATM CARD:  YOU CAN ALSO MAKE PAYMENT USING YOUR ATM CARD OR ONLINE TRANSFER. PLEASE CONTACT YOUR BANKER SECURITY GUIDE ON HOW TO TRANSFER MONEY TO OTHER BANKS USING YOUR ATM CARD. ATM CARD OR ONLINE BANK TRANSFER IS FASTER FOR QUICK DELIVERY TO YOUR EMAIL . OUR MARKETER WILL RESPOND TO YOU ANY TIME OF THE DAY. WE SUPPORT CBN CASHLESS SOCIETY. 

OR
PAY ONLINE USING YOUR ATM CARD. IT IS SECURED AND RELIABLE.

form>DELIVERY PERIOD FOR BANK PAYMENT IS  LESS THAN 2 HOURS

How to transfer from your bank account to All  Nigeria banks without internet

1. Access Bank:
—-*901#

2. EcoBank:
—-*326#

3. Fidelity Bank:
—-*770#

4. FCMB:
—-*389*214#

5. First Bank
—-*894#

6. GTB:
—-*737#

7. Heritage Bank:
—-*322*030#

8. Keystone Bank:
—-*322*082#

9. Sky Bank:
—-*389*076*1#

10. Stanbic IBTC:
—-*909#

11. Sterling Bank:
—-*822#

12. UBA:
—-*389*033*1#

13. Unity Bank:
—-*322*215#

14. Zenith Bank:
—-*966#

15. Diamond Bank
—-*710*555#

To know your BVN, dial
—-*565*0#.

E.g for First bank…   *894 *Amount *Acct. No. #

Please dail d code from d number u used to register d account from the bank

CALL OKEKE CHIDI C ON :  08074466939,08063386834.

AFTER PAYMENT SEND YOUR PAYMENT DETAILS TO

08074466939 or 08063386834, YOUR PROJECT TITLE  YOU WANT US TO SEND TO YOU, AMOUNT PAID, DEPOSITOR NAME, UR EMAIL ADDRESS,PAYMENT DATE. YOU WILL RECEIVE YOUR MATERIAL IN LESS THAN 2 HOURS ONCE WILL CONFIRM YOUR PAYMENT.

WE HAVE SECURITY IN OUR BUSINESS.   

MONEY BACK GUARANTEE

Click here to download our android mobile app to your phone  for more materials and others

 

CHAPTER ONE

1.0    INTRODUCTION

1.1    BRIEF OVERVIEW OF THE SUBJECT OF STUDY

It is generally agreed that finance is the main stay of any economy, be it public or private sector. It is equally true that no meaningful development could be achieved without finance and proper management, as a result of this, many organizations establishes difference systems of control or ensure smooth running of their business of which internal auditing is an integral part.

Basically, internal auditing ensures that all activities of the organization are carried out by employees according to laid down procedures.

The introduction of new technologies e.g. the  invention of computerized audit system which posed challenges to the internal audit staff and their work, the update of their knowledge to meet with these challenges in the face of manipulation of these to perpetrate fraud is desirable. Moreso, the requirement of new auditing standards will make the staff of internal audit to update their knowledge and adjust to the current practice.

Auditing as a key factor in controlling every kind of organization with financial and economic aspect serves as a sort of checks and balances in the financial and administrative procedure of any organizational setup. Apart from explaining the concept of auditing and it’s operations, emphasized  is laid on the problem areas in the account of governance, accounts maintained by  the government and procedures involved in auditing government accounts.

The need for maintaining and adequate, effective and  efficient internal audit system, therefore cannot be over emphasized especially in days like these  when Nigeria economy is with effort in ensuring that wastage, pilferage, misappropriation and checked or avoided and to ensure that asset are being secured.

 

1.2    STATEMENT OF THE PROBLEM

i.       often management of public sector and internal audit department function are seen as contradictory rather then complementary.

ii.      Internal audit department which is set up to ensure adherence to management policy may not achieve their main objective because of interference and undue influence by top management.

3. That the internal audit adequately equipped with.
4. That better and well-trained professional should be employed for efficiency and effectiveness.

1.3    OBJECTIVE OF THE STUDY

i.       To identify the problems in internal audit department of public sectors.

ii.      Finding ways of improving on the internal audit