The problems in the practice of standard costing and budgetary control system in the manufacturing firm,. A case study of flourier Nig border

 

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

COMPLETE PROJECT  MATERIAL COST 2500 NAIRA OR $10 , WITH THE SOFTWARE 30,000 NAIRA

. 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. 

Note:  We accept bank transfer, ATM cash transfer , Online payment using your ATM , Western union bank transfer.  We will respond to you anytime of the day. 

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 2 HOURS ONCE WILL CONFIRM YOUR PAYMENT.

WE HAVE SECURITY IN OUR BUSINESS.   

MONEY BACK GUARANTEE

 

TABLE OF CONTENTS
CHAPTER ONE
1.1 INTRODUCTION
1.2 OBJECTIVES OF THE STUDY
1.3 SIGRIFICANE OF THE STUDY
1.4 STATEMENT OF THE PROBLEM
1.5 RESEARCH QUESTIONS
1.6 HYPOTHESIS FORMULATION
1.7 SCOPE AND LIMITATION
1.8 DEFINITION OF TERMS
1.9 SUMMARY
REFERENCES

CHAPTER TWO
REVIEW OF RELATED LIERATURE
2.1 ORIGIN OF STANDARY COSTING
2.2 MEANING OF STANDARY COSTING
2.3 TYPES OF STANDARY COSTING
2.4 STANDARY COSTING IN PLANING AND CONTROLLING OPERATIONS
2.5 VARIANCE ANALYSIS
2.6 BUDQETARY CONTROLS
2.7 OBJECTIVES OF BUDGETING SYSTEM
28 ADVANTAGES OF BUDGETARY CONTROL SYSTEM
2.9 COMPUTERIZED BUDGETARY CONTROL SYSTEM
2.10 HUMAN BEHAVIOURAL ASPECT OF BUDGETARY
2.11 SUMMARY
REFERENCES
CGAPTER THREE
RESEARCH DESIGN AND METHODOLOGY
3.1INTRODUCTION
3.2 RESEARCH DESIGN
3.3 DESCRIPTION OF POPULATION AND SAMPLING PROCEDURES
3.4 QUESTIONNAIRES DESIGN
3.5 DATA COLLECTION METHOD
3.6 STATISTICAL METHODS IN ANALYSIS
3.7 SUMMARY
REFERENCES

CHAPTER FOUR
DATA PRESENTATION AND ANALYSIS
4.1 INTRODUCTION
4.2 JABULATION OF DATA
4.3 TESTING OF HYPOTHESIS
4.4 SUMMARY
REFERENCES

CHAPTER FIVE
SUMMARY OF FINDINGS, CONCLUSION AND RECOMMENDATION
5.1 INTRODUCTION
5.2 DISCUSSION OF FINDING
5.3 CONCLUSION
5.4 RECOMMENDATION
5.5 SUMMARY
BIBLOGRAPHY

CHAPTER ONE
1.1 INTRODUCTION
Most businesses use planning and budgeting procedures to prepare for the future. Manufacturing firms need to understand the relationship of sales revenue to product costs, selling expenses and administrative expenses as yearly as possible in product development. Therefore, the practice of standard costing and budgetary control system has been a crucial area of concern for manufacturing firms in Nigeria it is known that in this technological age, that for an organization to make a tremendous progress, there must be standards set in the various operational areas.
As a consequence, the importance of standard costing and budgetary control system in manufacturing firms cannot be over emphasized budgetary control assist the manufacturing firms to monitor their progress towards the pre-determined aims and objectives.
A standard costing system through its control process ensures an effective and efficient attainment of a company’s goal producing high quality products. It attempts to inform management of the pre-determined cost set before the product is manufactured or service rendered. Asechemie stated that one advantage of standard costing is the speed with which we know the cost of material used, because in standard costing we do not wait but record material etc used as soon as possible.
Standard costing serve management in cost reduction. They provide a means of communication between top management and line supervisors. Standard set goals, which help to develop cost consciousness in the employees. These standards are motivating fore to encourage the operators to improve their performance.
Batty 19975:9 defined standard costing as a system of accounting which is designed to show in detail how much each product should cost to produces and sell when a business is operating at a standard level of efficiency and for a given output. According to the definition given by the chartered institute of management accountants CIMA budgetary control on the other hand is the establishments of budgets relating the responsibilities of executives to the requirements of a policy and the continuous comparism of actual with budgeted results, either to secure by individual action the objective of that policy or to provide a basis for its Revlon.
Standard costing and budgetary control are interrelated because when standard costs have been determined, it is relatively easy to compute budgets for production costs and sells. When actual costs differ from standard costs the resulting differences cost variances provide a basis for control reporting.
Budgetary control is applied to the system management control and accounting in which all budgeted expenditure or income are compared with the actual results. Corruptive action follows immediately in order to arrest the variances.
1.2 OBJECTIVES OF THE STUDY
1. Can it be that the manufacturing sector operates at a loss because they do not

THE EFFECT OF CREDIT RECOVERY ON THE PERFORMANCE OF NIGERIAN AGRICULTURAL COOPERATIVE AND RURAL DEVELOPMENT BANK (NACRDB)

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

COMPLETE PROJECT  MATERIAL COST 2500 NAIRA OR $10 , WITH THE SOFTWARE 30,000 NAIRA

. 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. 

Note:  We accept bank transfer, ATM cash transfer , Online payment using your ATM , Western union bank transfer.  We will respond to you anytime of the day. 

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 2 HOURS ONCE WILL CONFIRM YOUR PAYMENT.

WE HAVE SECURITY IN OUR BUSINESS.   

MONEY BACK GUARANTEE

 

ABSTRACT

In this abstract the effect of loan recovery on the performance of Nigeria agricultural cooperative and rural development bank (NARCRDB) is the topic and also the objective of the study includes how the scale farmers dwelled with Nigerian agricultural and rural development bank and also to know how the farmers finance their farming. More also, the objective of the study touches the loan given to the farmers is adequate or not. In conclusion, non recovery of agriculture loan are caused mainly by two broadly rated problems. They are the farmers problems and bank government rated problems. In recommendations in order to reduce the problems, sale farmers, it is however, worth to make some specific recommendations aimed at reducing the effect of this problems on the bank’s operations. More also education of farmers borrowers, need for intensive pre-loan analysis etc.

 

 

CHAPTER ONE:

Introduction

1.0     Background of the essay  –         –         –         –         –         1

Objectives of the essay    –         –         –         –         –         4

Significance of the essay  –         –         –         –         –         5

Scope of the essay –         –         –         –         –         –         7

Limitation of the essay     –         –         –         –         –         8

Definition of terms –         –         –         –         –         –         9

 

CHAPTER TWO

Literature review

2.0     Introduction                     –         –         –         –         –         –         13

2.1     Meaning of NACRDB     –         –         –         –         –         –         23

2.2     The aspect of NACRDB  –         –         –         –         –         24

2.3     Summary of literature review    –         –         –         –         28

 

 

CHAPTER THREE

Summary, conclusion and Recommendations

Summary     –         –         –         –         –         –         –         –         29

Conclusion  –         –         –         –         –         –         –         31

Recommendations-          –         –         –         –         –         –         35

Reference –  –         –         –         –         –        –         –         37
CHAPTER ONE

INTRODUCTION

BACKGROUND OF THE EXTENDED ESSAY

The administration of credit can be regarded as important to financial institutions in any economy. Consequently the formulation and implementation of bound credit policies among the most crucial responsibilities of management in any financial institution. Thus this formulation of a sound credit policy is a necessary condition if financial institutions are to attain their objectives to serve the public in an efficient manner and more importantly, ensure the safety of their funds. An articulate credit management policy not only seeks to balance profit ability with liquidity but in doing so, it is expected to determine to whom credit must be granted, how to ensure successful recovery. (I Yowu 1985).

 

The achievement of an efficient credit management entails an element of subject judgment.

Abdullahi (1993) posited that “in order” to arrive at a good judgment there is a need to evaluate the cannons of lending or the five’s of credit namely condition, character, capacity, capital and collateral.

 

Nigeria Agricultural cooperative and rural development bank (NACRDB) was established on the 24th November 1972 and went into operation on 6th March 1973 its establishment was hinged on the now enhanced vindicated conviction that the bank will enhance the income level of farmers and this make farming more attractive.

 

Today (NACRDAB) started as the Nigeria Agricultural bank ltd (NAB) and actually took it’s new name in 1978 at the instance of the Nigerian government. this in the government view was to reflect more vividly, the bank commitment to Agricultural development through the promotion and financing of co-operates the general consensus however, was that these credit financing institutions, failed die to some factors. Agricultural experts say these factors ranged political interference, inefficient project, appraised monitoring and supervision, the low coverage of the farming population, trade quite funding adoption of the excessively rigid and time consuming procedures for processing loans application, low loan recovery and untimely loan disbursement, the loans institutional lending consisting of such informal sources as money lenders, friends relations and thrift societies, took advantage of the weakness of these institutional lenders to change exorbitant rate themselves which the government commissioned a number of studies which finally culminated in the world bank stonenam report of 1969.

 

The report recommended among other things the establishment of a National Agricultural credit institution, whose major function would be the provision of credit to farmer so as to exterminate the major impediment to agricultural development in Nigeria.

And after 22 years of existence (NACRDB) can unequivocally be said to have lived up to these objectives it has provided diverse credits to improve the whole ambit of the country’s agricultural and agro business. Thus, the (NACRDB) of today is a welcome relief to Nigerian farmers, the banks inauguration market an important land mark in the history of the nation’s agricultural development and it is has continued to serve as a national financing institution devoted industry to investing in all aspect of the agricultural industry. And more importantly, it has continued to serve as a source of fund to Nigeria farmers.

 

1.1     OBJECTIVE OF THE EXTENDED ESSAY

The following are the objectives of the extended essay;

TO find out the beneficiaries of NACRDB loan.

To find out the rate of loan repayment and its consistency

To find out how NACRDB loan is disbursed

ELECTRONIC BANKING AND THE CHALLENGES OF THE NIGERIAN BUSINESS ENVIRONMENT (A CASE STUDY OF FIRST BANK OF NIGERIA PLC.)

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

COMPLETE PROJECT  MATERIAL COST 2500 NAIRA OR $10 , WITH THE SOFTWARE 30,000 NAIRA

. 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. 

Note:  We accept bank transfer, ATM cash transfer , Online payment using your ATM , Western union bank transfer.  We will respond to you anytime of the day. 

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 2 HOURS ONCE WILL CONFIRM YOUR PAYMENT.

WE HAVE SECURITY IN OUR BUSINESS.   

MONEY BACK GUARANTEE

 

BACKGROUND OF THE STUDY
Although a lot of research works has been done on the prospects and challenges of Information Technology in the banking industry, theses research works are broad based and only few are actually carried on Electronic Banking (E-banking). Modern banks now realise that only those that overhaul their payment service delivery and operations are likely to survive and prosper in the 21st century (Opara et al, 2010). This is due to pressure of globalisation, consolidation, privatisation, deregulation and rapidly changing technology (Connel and Saleh 2004). In order to properly place themselves in favourable positions for competitions and be one of those corporations to be reckoned with in the new century, banks are making use of Internet to execute mobile banking, this developed from bringing PCs together to form local and Wide Area Networks through client/server technology.

Many banks have installed modern computer inter-connectivity backbone that would enable them achieve communications of data and multimedia over Internets, Intranets and Extranets. They also realise that they have to achieve not only management/staff wide computer literacy but what could be called information literacy i.e. knowing how to locate, analyse, store and use information. All staff and managers in a modern bank need to be able to search and gather data from several types of sources, analyse them, select relevant ones and organise them in such a manner to allow them make decisions based on the organised data.

Banks of the future realises that the banking of tomorrow requires more of electronic manipulations and shuffling of bits-based money and other banking transactions, instead of paper. In other words, paper based transactions are now being replaced by electronic-based transactions e.g. the Internet. Whether a bank would be successful or not depend on the extent to which it is investing in IT and using it in an innovative manner. This area has been tip to be a major competitive ground for banks that are operating in the post-consolidation era.

What are the major issues needed to be mastered by Nigeria banks in order to compete with the rest of the world? What are the major developments and challenges in the Nigerian operating environment that are affecting the growth of electronic banking in the industry? These are some of the questions that would be addressed in the course of this study.

STATEMENT OF THE PROBLEM
Electronic banking is a driving force that is changing the landscape of the banking industry fundamentally, in particular, towards a more competitive industry. Electronic banking has blurred the boundaries between different financial institutions, enabled new financial products and services, and made existing financial services available in different packages (Agbada, 2008). But the influences of electronic banking go far beyond this.

The developments in electronic banking, together with other financial innovations, are constantly bringing new challenges to finance theory and changing people’s understanding of the financial system.

It is not surprising that in the application of electronic banking in Nigeria, the financial institutions have to face its problems. Communications over the Internet are insecure and often congested. The financial institutions would also have to contend with other Internet challenges including security, quality of service and some aberrations in electronic finance (Guardian Newspaper 2001).

Besides, the existing business environment also poses some challenges to the smooth operations of electronic banking in Nigeria. Some of these operational challenges include epileptic power supply, dominance of cash transaction in the economy, low level of awareness among Nigerians etc (Agbada, 2008). The thrust of this research work shall be to examine the trend of electronic banking in Nigeria and a critically examination of the challenges noted above.

COMPUTERIZATION OF CUSTOMER SERVICES IN NIGERIAN BANKS.

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

COMPLETE PROJECT  MATERIAL COST 2500 NAIRA OR $10 , WITH THE SOFTWARE 30,000 NAIRA

. 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. 

Note:  We accept bank transfer, ATM cash transfer , Online payment using your ATM , Western union bank transfer.  We will respond to you anytime of the day. 

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 2 HOURS ONCE WILL CONFIRM YOUR PAYMENT.

WE HAVE SECURITY IN OUR BUSINESS.   

MONEY BACK GUARANTEE

 

ABSTRACT

(COMPUTERIZATION OF CUSTOMER SERVICES IN NIEGRIAN BANKS).

This write  up is an attempt to throw more light on the computerization of customers services in Nigeria banks  have been poor this  is because customers claim  that the bank services is slow and their   time is mostly wasted. But on the side of the bank. They have to ensure that the transaction are properly recorded with the sole purpose  of having  a satisfactory record to dis-aviod misappropriation and frond be some  disgruntled elements.

 

This is the basis function  of any bank but unfortunately this function seems to cause most of the banks inability to meet customers demand with the computer being the fastest mode of data processing, Nigerian bank has how employed the use of computation customer services, which has proven to improve their performance. In view of this research project to analyze the use of computer in customers services in Nigerian banks with the main purpose of identifying problems, advantages, disadvantages and also suggesting variable ways of enhancing good or better customers services in Nigerian Banks talking about the  United Bank for Africa as a case study.

 

CHAPTER ONE

1.1     General Background of the study        “        “        “        “        1

1.2     problem statement            “        “        “        “        “        “        3

1.3     Aims and Objectives of the study        “        “        “        “        3

1.4     Significance of the study “        “        “        “        “        “        5

1.5     Hypothesis of the  study “         “        “        “        “        “        6

1.6     Scope of the study           “        “        “        “        “        “        7

1.7     Summary     “        “        “        “        “        “        “        “        7

 

CHAPTER TWO

LITERATURE REVIEW

2.1     Introduction           “        “        “        “        “        “        “        8

2.2     History of computers       “        “        “        “        “        “        11

2.3     classification of computers         “        “        “        “        “        13

2.4     classification of type        “        “        “        “        “        “        13

2.5     classification by purpose            “        “        “        “        “        14

2.6     classifications by the age of technology         “        “        “        14

2.7     Advantages of computer in banks        “        “        “        “        16

2.8     operation of United bank for Africa Plc         “        “        “        18

2.9     Control in EDP system    ‘         ‘         “        “        “        “        20

2.10   Summary     “        “        “        “        “        “        “        “        22

 

CHAPTER THREE

3.0     Research Methodology    “        “        “        “        “        “        24

1. Introduction “        “        “        “        “        “        “        “        24
2. Description of population          “        “        “        “        “        25
3. sample  of the  study “     “        “        “        “        “        “        26
4. instrument used “   “        “        “        “        “        “        “        28
5. Data gathering procedures         “        “        “        “        “        29
6. Data analytical procedures         “        “        “        “        “        30

 

CHAPTER FOUR

4.1     Introduction “        “        “        “        “        “        “        “        31

4.2     Presentation of personal interview data          “        “        “        32

4.3     entries posting       “        “        “        “        “        “        “        37

4.4     Summary     “        “        “        “        “        “        “        “        41

 

CHAPTER FIVE

SUMMARY, CONCLUSION AND RECOMMENDATION

1. Summary     “        “        “        “        “        “        “        “        42
2. Conclusion “          “        “        “        “        “        “        “        45
3. Recommendation   “        “        “        “        “        “        “        46

Bibliography          “        “        “        “        “        “        “        48

Appendix     ‘         “        “        “        “        “        “        “        49

 

CHAPTER ONE

INTRODUCTION

1.1    GENERAL BACKGROUND OF THE STUDY

The United bank for African plc has it’s antecedents rooted in that of its processor. British and French bank limited. The British and French bank Limited itself, metamorphosed from Banque National Pource commerce et al industries of paris (establish in 1952) Massrs E.G. Humgerbulher and C.H. Baker arrived in Nigeria in the early 1949 from BNCL, Paris.

But men made the British and French bank, Mr. Hungenblulen left shortly after the bank was established while Mr. Baker stayed back for few years as aim officer. Another big influences are the establishment of the bank was Mr. Herte Wroche. He was the head of the international division at BNCI and contributed immensely to the rapid growth of the new bank. In May, 1949, the British and French Bank began, operation in Nigeria, at 117, broad Lagos, which today house apart of the kin’s way stocks complete. The bank occupied a floor  of the building at the function of Danies and Broad street, the Bank official opened to business in  December  1949 with a  staff strength of about 12.

The bank when public under French man who was seconded from BNCI Paris in 1960 in accordance with the policy and intention of the French owns of the bank to sell of some of its shares to Nigerians. On February 23 196, the United Bank for Africa Plc was incorporated to takeover the asset and liabilities of the British and French bank. The official opening of the bank for business under the new name was on October 3^rd 1961. Its registered office was at 129129 broad street, Lagos  with it  establishment UBA became  the first Bank among the international banks  operating  in Nigeria at the to be  registered under the Nigerian law.

Its paid up capital was over four million the following banking were.

• British and French bank
• Bank Nazi onaledell laurro of Italy
• Moute  Dei Paschi desiena of Italy
• Banks Trust of New  York, USA
• Amsterdam Rottedam Bank of Holland

By  1961 the bank  had grown from the  its one office structure  to 10 Branches located in Lagos, Kano, Kaduna and Porthacourt from that time the bank starts to grow strength  to strength. Today UBA Plc has over  two hundred and fifty branches spread across the country with experience staff posted  to every  branch. It has a string capital base and rated as third strength. Bank in the country interms of capital base and asset

 

1.2    PROBLEM STATEMENT

Findings and research about this research project problem is critical and serious in banks because of the increase of employment of unqualified staff and poor service render to customers in banking industries over the years (1998-2002) appears to indicate unambiguously the  lack of computerization of customers services in the banking industry is the main  cause of those  defects

Low productivity among the commercial banks are also cause by lack of computerization of customer service of bank and are hardly solved without the use  of computers in the banking industries.