COMMUNITY BANKING PROBLEMS AND PROSPECTS

(A CASSE STUDY OF EKULU COMMUNITY BANK IN ENUGU STATE)

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THE NATURE AND CONSEQUENCES OF JUVENILE DELINQUENCY IN NIGERIA: A STUDY OF ENUGU NORTH LGA, ENUGU STATE

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 OUR  CUSTOMERS CARE  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:

1.1 INTRODUCTION

1.2 STATEMENT OF THE PROBLEM

1.3 OBJECTIVE OF STUDY

1.4 SIGNIFICANCE OF STUDY

1.5 STATEMENT OF THE HYPOTHESIS

1.6 SCOPE OF THE STUDY

1.7 SCOPE OF THE STUDY

1.8 DEFINITIONS OF TERMS

CHAPTER TWO:

2.1 REVIEW OF THE RELATED LITERATURE

2.2 CONCEPT OF THE COMMUNITY BANK

2.3 COMMUNITIES BANKING IN NIGERIA

2.4 GOVERNMENT POLICY ON COMMUNITY BANKING

2.5 PHASE O RURAL BANKING

2.6PROBLEMS OF COMMUNITY BANKING

2.7 ACHIEVEMENT OF COMMUNITY BANKING

CHAPTER THREE

3.1 RESEARCH DESIGN AND METHODOLOGY

3.2 SOURCE OF DATA

3.3 PRIMARY

3.4 SECONDARY DATA

3.5 SAMPLE USED

3.6 METHOD OF INVESTIGATION

CHAPTER FOUR

4.1 DATA ANALYSIS AND INTERPRETATION

4.2 DATA PRESENTATION AND ANALYSIS

4.3 TEST OF HYPOTHESIS

CHAPTER FIVE

SUMMARY, FINDINGS, CONCLUSION AND RECOMMENDATION

5.1 SUMMARY OF THE FINDINGS

5.2 CONCLUSION

5.3 RECOMMENDATION

BIBLIOGRAPHY

APPENDIX / QUESTIONNAIRE

ABSTRACT

This project is poised at x-raying the degree of the role of financial management in a co-operate organization making reference to union bank (Plc) Enugu. Financial management activity is concern with the raising of capital planning cash and credit control including the effective control of financial resources. Some thought were giving to financial activity to provide planning, control and execution of financial activity. The practice management are interest in this subject because among the most crucial decision of he firm are those which relates to the finance and therefore need to understand the financial management which provide them with conceptual and analytical insight to make these decision. The financial must take step to ensure that fund will be actually available and committed to the firm. The financial manager is usually responsible of he gathering and analyzing of the relevant information, making forecast of the profit level to estimate profit from the future sale, the firm must be aware of the current cost and the most likely changes in the ability of the firm to sale its product as planned.

The financial manager must measure the requirement return of its capital investment by answering this questions; dose the level of return offer adequate justify and that Of risk therein? H e is required to know the rate of return that is expected from the proposal before it is accepted. The financial personnel meet with other officer of the form and anticipate in making decision affecting the current and future utilization of the fund resource. The manager will discuses the total amount of asset needed by the firm to carry out its operation and determine the decomposition on need. They identify ways to use the existing asset mostly effectively and thereby reducing waste and needed expense. The decision making role cause liquidity and profitability

The role of financial management in managing the funds available o the firm. The fund include cash held by the firm, money borrowed and money gained from the

Purchase of common stock and preferred stock. The financial management is responsible for having sufficient for the firm to conduct its business and pay its bill and a lot of money to finance the receivable and invention making arrangement for the purchase of asset and identify sources of long term financing, in fact this study is aimed at the information on the role of financial manager in any organization to foster his performance  in the following .

Forecasting on the financial planning and control financial analysis . Working credit capital. Stock cash receivable market and structure medium short and long term success of fund and evaluation of stock and cost of capital financing. Divided policy and techniques of r capital investment analysis.

This issue of whether this state role of the financial manager is executed or not in case to be investigated by the research is in the following perspective,

• Budgeting and financial analysis
• Management of short, medium and long term financing
• Financial ratio and planning
• Managing and financial structure

The researcher will analysis the financial concept using the annalistically tools and techniques obtained from the organization answer receive from the questionnaire to unfold the financial managers decision on financial matters.

It hope that the project will attained the standard required by all the examining bodies and also satisfy the curiosity of the general leading public who may have the desire to become acquainted.

CHAPTER ONE

INTRODUCTION

OVERVIEW OF THE STUDY

In Nigeria, it can be said that the activity of the stabilize banking in the rural area is such that the branches were beguiled by the rules, traditions and policies of the headquarters. But relative to the commercial bank, community bank were opened in the rural area to meet the financial needs of the occupants by mobilizing their resources into current and saving account. This in turn within the resources of the banking institution can concerned with the cr3eatrion of credit for the rural dwellers for the purpose of increasing their production activity either as individual or a group of industrialist, farmers or o-operative society, the Nigeria banking system, its operation, location service in pre – 1977 were concentrated in the urban areas of the country and this brought the concentration of economic activity on the urban areas at the detriment of the rural communities. However, the reason for establishing banks in the rural area was because of lack infrastructures facilities in the rural areas, low level of economic activity. The colonial policy of establishing banks in the urban areas where economic activity has been in existence, the preference of the bank worker to work in the urban areas where faculty and comfortable living are available. In the attempt to correct the abnormal banking system, the (CBN) central bank of Nigeria in 1978 introduced the rural banking scheme (the Nigeria 1987 by Herbte O. Orji 1979) the first bank to establish its bank branches in he rural area, that have potential capability for contribution to the Nigerians economic development. It involves the establishments of new bank branches of new and existing bank in the rural areas of the country and the provision of the banking service to the rural communities that has developed and show rural characteristics.

By this the central bank of Nigeria will have to determine the situation where the rural community which have a population of at least not less than (500) five hundred people and an establish economic and social institution such local industries adequate on the local market, hospitals, schools and other private and government institution.

The scheme was phased into four;

The first phase was to establish 200 banks between 1977 and 1980. However the phase ended up in archiving only twelve braches

C.B.N bulletined January/ march 1987, Page. 29

The second phase which stated in 1981 with 266 bank branches to be opened but 258 chess bank were actually spend during that period. The third phase also commence in 1954 with the total branches of 300 to be opened. The number of the commercial bank branches opened in 1988 under this phase of the programme increase from 72 to 144. Also during this period under the review one more branched were opened on the second phase bridging the number to 258. Consequently the total number of banks establishes under the rural banking programme raise from 72 to 602 in 1988. Similarly the number of urban bank increases by 124 in 1988 bringing the number of the total branches to 1101. The fourth phase of rural banking is about to set in motion but ther4 has been nice tiding of the implementation.

According to business time Monday 9^th April (1990) the united bank of Africa has made a proposal for the scrap [ping of the fourth phase of the rural banking programme of the government, instead they adopted for the establishment of more urban banks branches which has a little promise of more economic development. The augment on the line is the rural banking scheme program to support bankable project, economic project and economic activity whereas the banking in urban still has a lot of untapped resources that can be mobilized through a deliberate programme of increased urbane banking braches.

The managing director U.B.A Allahaji Sulaiman Baffa emphasis that bank has reach the limit’s in setting up the rural banking program only to discover that this prospect where lean and stretched far between. As a result of this community bank were established.

The community as a financial institution established to cater for the saving the credit need of the small-scale producers. The shareholders are normally the customers. They have a share capital of 250,000.00 and only one tenth of th

THE IMPACT OF ACCOUNTING ON ORGANISATION EFFECTIVENESS

A CASE STUDY OF FEDERAL PAY OFFICE, ENUGU

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COMPLETE MATERIAL  COST  N2,500 Or $10.  FRESH  PROJECT MATERIAL  COST 50,000 NAIRA FOR UNDERGRADUATE, OTHERS 100,000 -200,000 NAIRA.

THE NATURE AND CONSEQUENCES OF JUVENILE DELINQUENCY IN NIGERIA: A STUDY OF ENUGU NORTH LGA, ENUGU STATE

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 OUR  CUSTOMERS CARE  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

• BACKGROUND OF THE STUDY 1
• STATEMENT OF THE PROBLEM 4
• PURPOSE OF THE STUDY 5
• RESEARCH QUESTIONS 6
• HYPOTHESIS 7
• SCOPE OF THE STUDY 8
• SIGNIFICANCE OF STUDY` 8

CHAPTER TWO

• PRELUDE 10
• NATURE OF GOVERNMENT ACCOUNTING 12
• THE ROLE OF F.P.O. IN THE

ACCOUNTING SYSTEM                                      13

CHAPTER THREE

• DISCUSSION OF RESULT/FINDINGS 17
• RECOMMENDATION 22
• IMPLICATION OF THE RESEARCH FINDINGS23
• SUGGESTION FOR FURTHER RESEARCH 24

ABSTRACT

The need for keeping prompt and accurate record of transaction in the government services of the receipt and disbursement of public fund cannot be over-emphasized. This is why the officers of the Accountant –General of the federation in whose hands this duty falls, has over the years been engaged in the determination of procedure to achieve an optimum effectiveness of these recordings.

The management of public fund regimes an appropriate and comprehensive accounting system. This has necessitated the formulation of a number of control measure to ensure accountability and probity right from the budget proposal level to the actual implementation.

As government spending grows, there is the need to do more than our tailing spending within appropriate amount as it is entirely possible to expend money without reaping the reward for such scientific. Thus, the need to evaluate the benefits and manage the costs become more essential. This is the enrolment of accounting, and its efficiency and effectiveness manifests the impact on the governed.

CHAPTER ONE

INTRODUCTION

1.1     BACKGROUND OF STUDY

The management and control of the public fund is the heart of government administration. This calls for the need for an acceptable accounting system that will comprehensively prefer solution to the accounting needs of the government on public funds is governed by the financial (control and management). Act of 1958 A to E into section 154, dealing  with the operation of the consideration Amendment of 1957 which inserted sub –154 A to E into section 154, dealing operation of the constrained therein formed the based of the financial Act which were replicated with slight changes in the 1979 and 1989 constitution, Higher to , government accounting is regulated by section 129 –145 of the constitution, the laws enacted by government in power, the financial control and management Act 1958, by decree and acts enacted from time to time.

The management and control of the public fund is invested on the federal ministry of finance and this rests on the shoulders of the Treasury now referred to as the office of the Accountant General.

In the treasury its self, functions and duties are streamlined to a set of guide. This is because government accounting is based strictly on cash”.

The expenditure and receipts for the year are balanced and closed for the year and there is no transfer to the next period.

The financial regulation, treasury accounting manual, and regulation. That guide the treasury in  the management and control of the public find of the government whose objective is service.

This study is directed to a division of the treasury the federal pay office, Enugu. It will be concerned mainly with the duties and functions of the office, the effectiveness of the accounting as it relates to the goals of the

Government which is service. The study will also determines to what extent the principles, rules and regulation governing. The government accounting system is being utilized and its effect on the general public.

The federal pay office, Enugu which is the main focus of this work has the following as its main general duties:

1. receiving and payment of cash.
2. Keeping of cash book to record all the cash transaction.

• Operation of a bank account on which cheques are drawn.

1. Providing information on the cash position at a given date.

Effectiveness of these duties are enhanced through the establishment of internal check system in its operation to minimize fraud and loss of funds.

The federal pay officer is the head of this office. Going by the provision of financial regulation (ff) section 104 (II), the officer “ is entrusted with the receipts, custody and disbursement of public money and is required to keep one of the recognized cash books, the transaction in which are subsequence embodies in the accounts rendered by the accountant – general of the federation”.

The office is segmented into eight (8) sections top facilitate efficient and effective performance of duties as stated above.

• STATEMENT OF PROBLEM:

There has always been the call for proper accounting of the public fund. The treasury being the custodian of the public fund, has as its motor: accountability probity and transparency.

The federal; pay office, Enugu, being part of treasury is banqueted with the same number of problems that hinder the effective

ACCOUNTABILITY AND BUDGET IMPLEMENTATION IN NIGERIA

(A CASE STUDY OF MINISTRY OF FINANCE, ENUGU)

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ORDER NOW

COMPLETE MATERIAL  COST  N2,500 Or $10.  FRESH  PROJECT MATERIAL  COST 50,000 NAIRA FOR UNDERGRADUATE, OTHERS 100,000 -200,000 NAIRA.

THE NATURE AND CONSEQUENCES OF JUVENILE DELINQUENCY IN NIGERIA: A STUDY OF ENUGU NORTH LGA, ENUGU STATE

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 OUR  CUSTOMERS CARE  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

ABSTRACT

As a result of rapid increase in the socio-economic problem of this nation and also millions of naira wasted at project sites and the collapse of our economic sector , the writer decided to survey the avenues in which these wasted funds could be curtailed and our economic problems ameliorated.

It was assumed that most of this problem arose as a result of poor budgetary and economic policies implementation for this the writer introduced the study in chapter one of this thesis with a clear statement of the problems inherent in poor budgetary plans implementation.

In chapter two there was an effort made to give the definition have one thing in common that is budget. All the definition have one thing in common that budget is an estimate and refers to the future. The major causes of non-budgetary implementation is also stated in this chapter.

From other related literature, the writer could clearly give an appraisal of the proper accountability in some of our banking sectors. Here some of these failed banks were used as an example of what accountability should be in our economic sector.

Chapter three stated the designed and method of investigation

Chapter four had gone through analyzing all of these data collected, the questions the questionnaire were analyzed one after the other with number and degree respondents that affirmed to a particular answer given and vise versa.

Chapter five was the last chapter that contains the findings, conclusions and recommendations.

LIST OF TABLE

• Perception of senior and junior staff of ministry of finance on resources maximization.
• Responses of senior and junior staff on resources maximization
• Responses of senior and junior staff on achievement of objective.
• E-Test analysis of the differences between the mean responses score of senior and junior staff.
• Responses of senior and junior staff in the necessity of budgeting implementation.
• Interpretation of staff differences in response to the necessity of budget implementation
• Perception of senior and junior staff on the use of accountability and budget implementation as a management and control measures.
• Responses of respondents on the use of accountability and budget implementation as a measurement and control device.

TABLE OF CONTENT

Title page

Approval page

Dedication page

Acknowledgement

Abstract

List if table

Table of content

CHAPTER ONE

1.0     INTRODUCTION

• Statement of problem
• Purpose of the study
• Significance of the study
• Statement of hypothesis
• Scope of the study
• Limitation of the study
• Definition of terms.

CHAPTER TWO

• REVIEW OF RELATED LITERATURE

2.1     Meaning of Government Budget

• Objective of budget
• Contents of budget document
• Budgetary procedures
• Repetitive budget
• Effects of inflation on budget
• Politicians political system and budgetary implementation.
• Proper accountability and appraisal steps to accountability

CHAPTER THREE

3.0     RESEARCH DESIGN AND METHODOLOGY

• Sources of data

• Primary data
• Secondary data
  • Sample used
  • Method of investigation.

CHAPTER FOUR

4.0     DATA PRESENTATION AND ANALYSIS

• Data presentation and analysis.
• Test of hypothesis

CHAPTER FIVE

• SUMMARY OF FINDINGS, CONCLUSION AND RECOMMENDATIONS

5.1     Findings

• Conclusion
• Recommendations

BIBLIOGRAPHY

APPENDIX

CHAPTER ONE

1.0     INTRODUCTION

For the past ages, man as a rational and divine animal has been struggling with the procurement of reasonable standard of living and the ways of managing his expected maximum utility (profit). The eventful development of a well organized society gave birth to the order of the day, government had the right to interfere with the economic process to protect the interest of the nation. During the 18^th century Adam smith and other great authors came out with the system of laessez fair. The system suited its own period but the general depression of the 20^th century shoed that it was not after all an economic panacea. People have to look for other economic solutions. At this point, the economic scientists have to enter into the fields and make researches.

Thus, it was during this time that Keynes one of the great researchers, came out with his own postulation. To be precise during the 1930’s Keynesian economic developed and emphasized the cyclical movement of the economy and the need to temper such movement by artifices manipulating the troughs and depression in the cycle in order to facilitate a better economic order. In fact it was the policy implication of Keynesian economic that have contributed to the trends which ld to economic planning and budgeting as a tool in political administration.

In Nigeria so many budgets have been pronounced and many of them are policies. All these budgets and policies are made to Nigerians standard of living which is presently nothing to talk about. We all fully experience the poor living standard of the citizens from the date of the nations. Independence till present as government promisingly budgets to right all the economic errors. For this care budget in Nigeria as whole have traditionally promised to tackle. The primary socio-economic crisis facing the nation as thing that are auxiliaries to the good standard of living and social development. But the greatest problems facing Nigeria is that the policy direction and implementation of these budgetary plans have always fallen short of a set standard.

In summation therefore, most of the annual budgets in Nigeria could not achieve the set up standard which is always their aims and objectives. A very important example is the 1988 budget which was set up to achieve a non-inflationary growth in the economy yet it failed hence an inflation of 25% as experienced in the economy the very year. In short, inflation destabilized every sector of economy say household, private sectors and public sectors. These price inflationary trends and other factors such as private and public funds embezzlement have set the pace of development derailed in our society.

In order to find the solution to out budgetary economic problems one has to look inward and study the factors that cause the crisis in our economic budget. The type of people and environment could determine the type of economic management to be used to salvage the nation from the economic depression, which she has been enslaved of. What ever may be case, it is the solution that we nee and want and not the volume of idealisms and metaphases. The implementation of these annual budgets is our concern.

ACCOUNTING: Accounting entails responsibility answerable for or held charge. In this case, the question is that, “Is there any accountability in our private and public sectors from the binging of our independence till this very moment? This word accounting has been very vital in the restructuring of any economic system of any nation. The issue of non accountability have caused a lot of problems right from the start and fall of any nation. The issue of problems right from the start and fall of any nation.

The doom in our banking sector and other financial institution are matter of attention. Is ir the failed contacts failed parastatals and even the external and internal crises in our business sectors. All these and any other embezzlement problems that rate the country have made the writer to probe into some of the matters and look for possible solution.

1.2     STATEMENT OF PROBLEM

Since independence, so many budget have been made ranging form the federal down to stated and local government areas. These budget when made to follow a method of plans and principle of implementation. The question is “Why can’t the volume of budget announced annually in the country are not implemented” the issue is that all the budget made in Enugu follow a technique and formulated method of implementation. Another problems is to know if the implementation are the proper ways to follow.

The means by which the funds for the realization of this budgets are sourced, the source of this funds or other assets to the units (government) and the use (application) of these funds sourced for into the budgeted expenditures takes us to the topic called “ACCOUNTING AND BUDGETARY IMPLEMENTATION IN NIGERIA”

We must take it that the most stressing visible aspect administrative in capacities in poor countries is difficult in accountability and implementing budgetary and development plans. Many a times, projects are badly conceived,

BANK FAILURE IN NIGERIA AND MORDERN SYSTEM OF COMPUTER BANKING TO BRING INPROVEMENT.

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ORDER NOW

COMPLETE MATERIAL  COST  N2,500 Or $10.  FRESH  PROJECT MATERIAL  COST 50,000 NAIRA FOR UNDERGRADUATE, OTHERS 100,000 -200,000 NAIRA.

THE NATURE AND CONSEQUENCES OF JUVENILE DELINQUENCY IN NIGERIA: A STUDY OF ENUGU NORTH LGA, ENUGU STATE

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 OUR  CUSTOMERS CARE  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

Background of the study

• Schedule of banks in Nigeria
• Objectives of bank study
• Justification of the study
• Scope of the study
• Structure of the study
• Structural changes in banks
• Unethical practice in banks
• Effect of unethical practices
• Checkmate of unethical practice

2.0 Legal proceedings on banks

2.1 Large scale fraudulent practices

2.2 Reasons for committing fraud.

CHAPTER TWO

LITERATURE REVIEW

2.3 The history of banking in Nigeria

2.4 Foreign based in Nigeria

2.5 Establishment of content bank in Nigeria

2.6 The commercial banks

2.7 Indigenous banks

2.8 Merchant bank

2.9 Community bank.

3.0 Federal Martage bank

3.1 Development banks

3.2 Nigeria Agricultural and cooperative banks

3.3 The Nigeria bank for commerce and industry

3.4 Urban Development bank

3.5 Finance companies

3.6 Insurance companies

3.7 Excess liquidity data

3.8 Structure and growth of banks

CHAPTER THREE

RESEARCH DESIGN AND METHODOLOGY

3.9 Sample size and sample techniques

4.0 Method of data collection

4.1 Method of data presentation

CHAPTER FOUR

DATA PRESENATION AND ANALYSIS

4.3 Hypothesis of study I

4.4 Hypothesis of study II

4.5 Hypothesis of study III

4.6 Research Assessment

4.7 Researched Experienced

4.8 Measures to meet standard.

CHAPTER FIVE

CONCLUSION

4.9 Findings

5.0 Recommendation

5.1 References

5.2 Appendix

CHAPTER ONE

BACKGROUND OF THE STUDY

Bank has been defined in various ways by different people. It is basically a service industry operated by people for the general interest of the public providing a mechanism for the mobilization of finds from surplus units in the economy and channeling them to the deficit units through extension of credits. The link between this surplus and deficit is actually vital because it facilitate business transaction and economic development. As an economic unit. The business enterprises acquires organizes and transforms factors of production in the activity of producing goods and services, the way in which these goods and services or input factors are combined and transformed units an output flow may be considered as problem of maximizing an output from a given input. As a result, the advent of banking institution and its scope limitation was to that business activities findings their expressions in monetary terms.

The banking institution is defined in section 61 of the bank and financial institution decree sub-section 21 of 1991 as a business of receiving cheques, deposits on current accounts saving accounts or other account like paying or collecting cheques drawn by or paid in by customers, provision of finance or such other business or services for the government and the entire economy

1.1     SCHEDULE OF BANKS IN NIGERIA

The banking system in Nigeria is controlled by one body known as the Central Bank of Nigeria (CBN) which serves as a clearing house fro economic purpose. It veins of control in the naming include Commercial Bank, merchant banks, special banks like mortgaged bank, development banks such as Nigeria banks for commerce and industry, Nigeria agricultural and cooperate banks, peoples bank and community banks.

The banking system is a regulated sector of government and we could understand that its nature of activities spelt out the position it occupy in the economy since the funds they lend to deficit units are owned by third parties, therefore prudence on accounting theories and principle4s demands that such funds should be managed properly to sustain the confidence of the depositors. As a result of this prudential requirement, the authorities would want to interven in the operation and control of the banking system to correct all the short coming of the price fixing mechanism in ensuring that what is commercially reserve for an individual bank also approximate social rationnaties as much as possible. Example interest rates charges by banks may be regulated to encourage savings mobilization, bankiung habits and ensure adequate investment for rapid economicx growth. Considering the imperfect market in most economy both developed and developing financial institution often include government intervention to boost investment redirect credit to economic sectors with social but low commercial rates returns. These and a lot of other rationaties pre-informed government thinking towards regulation contract in it and also supervise the sector. Experience here, therefore shows that authorities short fall in financial intervention does affect the finance market function as shall illustrated in hypothesis I. Such intervention frequently result in new economic desertion leading to less optimal result to resource utilization. For example, the establishment of new banks in pre-SAP (structural adjustment programme) era was highly restricted, the existing once constituting a king of oligopoly did not really care either to extend their services to the rural communities or care for how to improve their activities and operation pattern

Consequently economic deregulation has often been resorted to in order to remove or minimize those desertion. Deregulation implies the relaxing or minimization of control or regulation. Financial market are usually first sector of the economy to be subjected to deregulation in view of their strategic locations.

The campaign for deregulation of financial institution has bee vigorously undertaken in many developed and developing economy. Example in United State of America regulation which had imposed interest rate ceilings on the deposit of the federal reserve banks was abolished in 1983. recently, a member of third world countries with heavy debt burden and dwindling foreign exchange earning has also adopted policies to deregulated their economy particularly the financial institution in the economy.

This has usually been carried out as part of comprehensive structured and statistical experience to stop large scale fraudulent practices. It also follows with the reasons for committing fraudulent art and ended with a computer abuses in the banking industry.

1.2     OBJECTIVE OF THE STUDY

            Following the background introduces the study