DISTRESS IN THE FINANCIAL INDUSTRY: CASES, APPLICATION AND POSIBLE SOLUTION

 

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CHAPTER ONE:

1.1 The background of the study
1.2 Statement of problems
1.3 Objective of study
1.4 Significance of study
1.5 Limitation of study
1.6 Definition of terms
1.7 Reference

CHAPTER TWO:

2.1 Definition of distress in the banking industry
2.2 Nature of distress
2.3 Cause of distress in the banking institution
2.4 The impact of financial distress in the banking industry
2.5 Summary of the related literature review

CHAPTER THREE:
3.0 Research methodology
3.2 Area of study
3.3 Population of the study
3.4 Samples and sampling procedure
3.5 Instrument of data collection
3.6 Validation of the research instrument
3.7 Method of data collection
3.8 Method of data analysis
CHAPTER FOUR:
4.1 Data presentation and result
4.2 Summary of result findings

CHAPTER FIVE:
5.1 Discussion of result
5.2 Conclusions
5.3 Implication of the researcher result
5.4 Recommendation/ solution
5.5 Suggestion for further research
5.6 Limitations of the study

CHAPTER ONE

1.1 INTRODUCTION
The research work is about the financial distress in the banking industries, causes, implications, and possible solutions. Bank distress occurs when a bank or some bank in the system experience liquidity or insolvency resulting in a situation were depositors fear the loss of their deposits and a consequent breakdown of contractual obligation. While a bank is said to be liquid when it cannot met up with its liability as when they are matured for payment. It is said be insolvent when the value of its realizable asset is less than the total value of its liabilities (“ a case of negative network “). The cold lead to an overall ruin as the depositor’s loss their confidence in the system and avoid capital loss.

In a different human perspective, bank distress means a different thing. To some people, bank distress exists only when the bank in question ceases to operate even if it has not been officially liquidated. In a wilder contend, a bank is said to officially distress if it has failed in archiving and of the objective for which it was established. The objective of this project among others is to access financial distress in the banking industry, with a view to identify their forms, cause and implication and the possible solution to them.

1.2 BACKGROUND OF THE STUDY
There is distress in the entire environment in the industry, law enforcement, education, communication, transport and other services, perhaps the most dangerous and most pronounce today is the distress in the banking industry, a people and confidence based industry which is expected to be a catalyst not a detonator of economic advancement. It is of a great importance to raise the standard of banking industry in Nigeria to realize that financial distress in the banking industry drive instability in the country. The critical importance of the bank in the economic growth and development explained why each economy takes serious view of their financial distresses. Any worthwhile economy seeks measures to prevent such distress failure in their economy.

In any economy, banking is a critical bridge between deficit and surplus, between dreams and commerce, between theories and industrialization. Recorded evidence show greater number of distressed banks in Nigeria. How long shall we suffer from the woeful distress? Is there any possible solution to the problem?

1.3 STATEMENT OF PROBLEMS
There is problem of financial distress in most banking industry leading to non-availability of cask to meet the day-to-day withdrawal by customers. According to Osuala, (1987), “ The Statement Of A Research Problem” serve to elaborate upon the information in the title of the study” this study is concern with the investigation into the financial distress of the banking industry in Nigeria. Factor often mention for woeful collapse of the banking industry ranges from the external and internal environmental factors in which the bank operates its business. Some of these factors are as follows;

1. Political instability that cause low investment where production is slowed down.
2. Lack of monitoring expertise
3. Economic downturn which deprives the banks of its vibrancy of economics activity because of high depreciating

NIGERIA DEREGULATIONS, IMPACT AND IMPLICATION

 

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CHAPTER ONE
Introduction
1.1 General introduction
1.2 Statement of problems
1.3 Problems definitions
1.4 Objectives of the study
1.5 Formation of Hypothesis
1.6 Significance of the study
1.7 Scope of the study
1.8 Limitations of the study
CHAPTER TWO
Literature review
2.0 General Discussion
2.1 Deregulations law
2.2 Partial deregulation
2.3 Demand side
2.4 Compute deregulation

CHAPTER THREE
Research methodology
3.0 Introduction
3.1 sources of data
3.2 Location of data
3.3 Methods of data collection

CHAPTER FOUR
Presentation of data
4.1 Introduction
4.2 Presentation of data
4.3 Analysis of data
4.4 Theory Hypothesis

CHAPTER FIVE
5.1 Summary and findings
5.2 Recommendation
5.3 Conclusion
5.4 Bibliography
CHAPTER ONE

1.1 INTRODUCTION
The petroleum oil sector is the major area where Nigeria income emendates. Before the discovery of crude oil, agriculture is the major source of income in this country and it forms the major exporting base in this country then. Right now, Nigeria exports more than 50, 000 barrels of oil a day to other countries in this country, the oil sector is controlled by the federal government under the direct supervision of Nigeria National Petroleum Cooperation, whose immediate chairman is chief fusnso Kupkolukun who succeed Pius Obaseki. The NNPC is vested with the power refine Nigeria crude oil but other petroleum agencies like orient petroleum, cheoron, EIF, Total etc con embark in exploration of land areas that might concern crude and possible extraction.
The oil sector is controlled by the federal and this makes them to be the sole monopoly of this sector. Therefore, president Olusegun Obasanjor announced the deregulation policy which not only restricted to the oil sector, but to other sectors of the economy” commercialization and prostration of all the sectors of the economy. President Olusegun Obasanjor in Lagos on 27th February 2001, Obasanjo said that deregulation would mean the end to the existing subsidy system in the sector.
Due to the Non competitiveness of the fuel prices in Nigeria, no investor will establish a refining in the country, said the president, instead, the government will subside the social services and improve publics utilities like education, health, transport, power and water Obasanjo said on the occasion.
Nigeria currently spends billions of U.S dollars on subsidization of oil products every year, but still experiences fuel shortages from time to time. So, the aim of this derogation policy is to ensure that fuel shortages are curbed and that the constant labour stricken because of the incessant rise and hike in the fuel prices is also curbed.
Nupeng and pengassen are also involved in the regulatory process, because both are indirectly involved in supply of petroleum, thereby possible shortage in fuel supply might be triggering off by the acovgies of nupeng and pengassen.

1.2 STATEMENT OF PROBLEM AND PURPOSE OF THE PURPOSE OF THE MASTER:
There is the Ned to redress the issue of petroleum scarcity and the huge rise in pump prices in it country. The deregulation of oil sector is meant to reduce this but the question now is what proper process should be involved in the deregulation. So the cause of dacaricty and high-rise in pump prices might also be attributed to the monopoly of the oil sector, by the federal government, the scholiast of oil radials and

EFFECTIVE IMPLEMENTATION OF ORGANIZATION POLICES AND PRODUCERS IN NIGERIA BUSINESS

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

ABSTRACT

This study is aimed at finding a tool to effective unplementation of organizational policies and procedures in our day to day business. Its important can never be over emphasized.

To achieve this aim I target, it is backed on the designed of mangers who do not sit there as a ceremonial heads rather they have role of implementing the organic function of management in today dynamic and competitive business environment in Nigeria .

In generation the data needed for this profit, it well entails constants ie time money and lack of corporation by the audience .

The source of data comes from both primary and secondary modes of data collection. The secondary data form the centre stages on which this project was based.

The research depth of knowledge is broaden it embark on renew of related literatures. The data is also presented on frequency table and analysis  in sample percentages (%) hypothesis tested with Z. test.

Based on the data collected and analyzed some findings were made which was proceeded by conclusion and some recommendation. Suggestions were also made for further studies summarily from the questionnaire administrated and data collected which were analyzed and interpreted it has been generally in inter prated that most organization can not get the best out of their workers or reach to their target because of or implementation of organizational polices and procedure in Nigeria business.

CHAPTER ONE

• Introduction
• Background of study
• Statement of problems
• Purpose of study
• Scope of study
• Scope of the study
• Research question
• Significance of the study
• Definition of terms

 

CHAPTER TWO

• Review of related literature
  • Effective implementation of policies
  • Effective implementation of organization function
  • Effective control of organization policies.
  • Profile of first bank Nigeria plc.
  • The management structure of FBN Plc
  • Banking Nigeria
  • Electronic banking
  • Critical issues in banking
  • Effective function of bank generally

 

CHAPTER THREE

• Research and methodology
  • Research design
  • Are of study
  • Population of the study
  • Sample size and its determination
  • Instrument for data collection
  • Validation of the instrument
  • Reliability of the instrument
  • Method of data collection
  • Method of data analysis

 

CHAPTER FOUR

• Data presentation and analysis
  • Presentation and analysis of data
  • Testing and prove of hypothesis

 

CHAPTER FIVE

• Summary of finding conclusion and recommendation
  • Conclusion
  • Recommendation
  • Bibliography
  • Questionnaire used

CHAPTER ONE

 

INTRODUCTION

• GENERAL BACKGROUND OF THE STUDY

Effective implementation of organizational policies and procedures in Nigeria business encourages delegation of decision making to business mangers who not sit there as a ceremonialteas rather they have the role of implementing the organize function id management in  to days    dynamic and competitive business environment in Nigeria., this  research work is designed to expose and aid the serious minded mangers to be adequately equipped to face the challenges ahead as future management pensioner in business.  Good policies provides definite an clear director by top management and at the same time allow subordinate to make   their own  decision with clearly stated limited. The usual source of policies and procedure in Nigerian business is embedded on manger and it is apartment to note that for a business to retain it position as a “going concernentity, it is imperative that managers formulated polices, plan strategies and also implement those plan effectively for the continued growth and survival of the business enterprise.  This is a major aspect           of a task facing mangers especially in a modern complex business situation. Therefore, to day’s mangers must take into consideration the following measured for effective implementation of organizational policies and procedure in Nigeria business.

They must specifically take into account the forces and trends such as environmental, economic, political social psychological technological legal and ethnical factors while formulating the policies that can facilitate the accomplishment of the over all objectives and goals of the business in question of course, if a policy has been formulated but has not been carried out or implemented into action it can not be effective since it has not come to the attention of the employees but it runs the risk of being overlooked or misinterpreted but according to (Akpala 1990: 59) he said that written  policies are more precise and less prone to misunderstanding for effective implementation of organization policies and procedures in Nigeria business to be properly executed the laid down rules guiding the organization must be followed.

Procedure on the other hand can be stated as the system that described in details the step to be taken in order to accomplish a set objective in business which is the  main target that he at to effective implementation of policies and procedures emphasis more in details while policies concentrate on the basic general approaches A policy is therefore a guilder for making decision thus according to AKPALA (1990:57) he simple define policy as a guidelines to managerial actions while Coventry and Barker (1985;93) defines policies as the guideline laid down in general or specific terms to make organization to reach the expected target or objectives.

 

• STATEMENT OF THE PROBLEM

This boils down to what constitute the problem of the study of effective implementation of organizational policies and procedure in Nigeria business can not exist on it own, it needs employers who will work in implement those polices needed for effective business environment and all these will not take expected standard unless workers who are properly motivated is given required training internal and external incentives and their     salary may even be increased paying them overtime and considering them as human beings and not machines by so doing the business will be booming since it I effectively structured and implemented but if the reverse is the case, things will be moving haphazardly and it will constitute a lot of  problem to the study.

 

• PURPOSE OF THE STUDY

The study will seek to identify the implication of freedom of action at the operating level on effective implementation of organizational policies and procedures in Nigeria business.

Our case study will be first bank of Nigeria plc which is  nation wide bank including rural branches. We shall measure implementation or control effectiveness existing in the bank with respect to certain principles and safeguard, which must be incorporated in any control system as far as business is concern in Nigeria. These are as follows

1. The system in must have objective, which are realistic and well designed procedures.
2. The system must have a sound organizational structure and wait designed procedures.

• Each manger in the business organizational is given an opportunity to contribute towards the formulation of planning for which he will be held accountable.

1. He is given feedback information to ret him know how his a actual compares with the plans in the business operation.

 

• SCOPE OF THE STUDY

This study will be limited o a few operational activities of banks we must not forget that a control mission  of a bank as an intermediation id to protect the value which comes into its care therefore every activity received given or transferred. Receiving cash depot or paying with drawl request are fairly universal function and would appear to have little for variation from branch to branch. But there are other functions, which are not equally available at every branch or unequally demand at all branches Example will be foreign exchange transition capital and money market operational transfer etc. operational rules dealing with these make assumption about, the ability of a branch and its customers and the available of certain infrastructures. But this is not always the case so what happen s in the exceptional care? Our study should be limited to only such activities.

 

• RESEARCH QUESTION

The following are the research question for the study

1. Has the effective implementation of organizational policies and procedures in Nigeria business speeding up services in First bank of Nigeria Plc?
2. Has it increased the volume of deposits in the bank?
3. Has it reduced the cost of services in the bank?
4. has it helped in today dynamic and competitive business environment?
5. Has it help mangers especially in a modern complex business situation so that they will know that policies and procedures should be implemented at the right true for subordinate to know what they are expected to do.

 

 

 

• RESEARCH HYPOTHEIS

 HYPOTYHESIS ONE

1. All cadres of workers in FBN Plc are not involved in effective implementation of organization policies and procedure in Nigeria business.
2. All cadres of workers in FBN Plc are involved in effective implementation of organizational policies in Nigeria business.

 

• SIGNIFICANCE OF THE STUDY

The effective implementation of organizational policies and procedure in Nigeria business should help effective mangers to maintain or reach to a et objective in the business world. The study is very tiredly especially today that all hard are on deck to enhance business in Nigeria because of the dynamic and competitive business environment we are in and a such this research work is designed to expose and aid the services minded mangers to be adequately equipped to face the challenges ahead as future management  practitioners in business.

For effective implementation of organizational policies and procedures in Nigeria business i.e three decision have to be made.

1. Effective strategic planning
2. Effective management
3. Operational control

Effective implementation of policies in business is the process by which mangers make sure that resources are obtain since the expected rules and regulation are implemented and executed there no way the required resources will not be obtained. It is necessary to work according to organizational polices in business ventures so as not to go country which affect the business rather the business will attain to it equilibrium point.

 

• DEFINITION OF TERMS

Policies A plan of action and statement of ideas. Implement- To put something into effect effective -producing intended result. Organi8zation- A group of people with a special purpose e.g club or business

Procedure – A series of action that need to be completed in order to achieve something. Business-The activity of making buying selling or supping things for money

REFERNCES

Osuda, E.C (19983), Introduction to research methodology, Onitsha African Fep Publishers Ltd.

Allen A.L (1964) The management profession New York, Mr Graw- Hill Book company publishers LTD

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

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THE IMPACT OF FOREIGN TRADE ON THE NIGERIA ECONOMY

 

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ABSTRACT
It was discovered that Nigeria as a third world country lacks certain infrastructural facilities necessary for the smooth exportation and importation of goods and services. The research intends to identify and evaluate the utility rendered by the importation and exportation of goods and services to the Nigerian people and the economy as a whole. it is also aimed at ascertaining the efficiency and adequacy of the Nigeria industries in comparison with the foreign industries.
To achieve its objectives, the researcher has duely examined the rate at which Nigeria’s imports exchange for its exports. Based on the secondary data collected and analyzed, it was observed that Nigeria mostly has small-scale industries which are insufficient for producing export goods. These industries also can not meet with the local needs. Nigeria depends mostly on imported goods for survival. It was also observed that, Nigeria exports mostly primary products solid minerals, agricultural products.
Finally, it was observed that, foreign trade has had some negative effects on the Nigeria economy. Their problems include unemployment increased national debts, over dependence. It has also had good effect like increased in out put, foreign markets, better technical known- how. The project is divided into five chapters.
Chapter one covers the introduction, statement of problem, purpose /objective of the study, significance of the study, limitation of the study and definition of terms.
Chapter two treats different methods of the rate at which Nigeria’s imports exchange for its exports.
Chapter three contains the research design and methodology of the study the source of data used, location of data and method of data collection.
Findings of the research are the issue examined in chapter four. While the last chapter is devoted to recommendation and conclusion.

CHAPTER ONE INTRODUCTION
1.1 BACKGROUND OF THE STUDY 1
1.2 STATEMENT OF PROBLEM 1
1.3 PURPOSE/OBJECTIVE OF THE STUDY 2
1.4 SIGNIFICANCE OF THE STUDY 3
1.5 LIMITATION OF THE STUDY 4
1.6 DEFINITION OF TERMS 5
1.7 REFERENCE 6
CHAPTER TWO INTRODUCTION
1.1BACGROUND OF THE STUDY 1
1.2 STATEMENT OF PROBLEM 1
1.3 PURPOSE /OBJECTIVE OF THE STUDY 2
1.4 SIGNIFICANCE OF THE STUDY 3
1.5 LIMITATION OF THE STUDY 4
1.6 DEFINITION OF TERMS 5
1.7 REFERENCES 6
CHAPTER TWO- REVIEW OF RELATED LITERATURE 7
2.1 FOREIGN TRADE DEFINITION 7
2.2 OBJECTIVE OF FOREIGN 8
2.3 AIDS TO GOOD FOREIGN TRADE 10
2.4 CLASSES OF COMMODITIES TRADABLE 13
2.5 SIZES AND CLASSES OF INDUSTRIES IN NIGERIA 15
2.6 COMPARISON OF NIGERIA’S
EXPORTS AND IMPORTS 18
2.7 THE IMPACT OF FOREIGN TRADE ON
THE NIGERIA ECONOMY 20
2.8 REFERENCE 25
CHAPTER THREE RESEARCH METHODOLOGY 26
3.1 SOURCES OF DATA 26
3.2 LOCATION OF DATA 26
3.3 METHOD OF DATA COLLECTION 27
CHAPTER FOUR
SUMMARY OF FINDINGS 28
CHAPTER FIVE
RECOMMENDATION AND CONCLUSION 29
5.1 RECOMMENDATION 25
5.2 CONCLUSION 31
BIBLIOGRAPHY 32

CHAPTER ONE
BACKGROUND OF THE STUDY
It is wise to assert that no country in the would can sustain itself or survive without exchanging goods and services with other countries of the would. It is also wise to say that the economic growth and development of a country largely depends on how its imports exchange for its exports.
In view of the above assertions. I have deemed it very necessary to embark on a research work or project on the impact of foreign trade on the Nigeria economy”. This is an attempt and effect to draw the attentions of many Nigerian scholars and professionals to certain silent questions which may be relevant to knowing the impact of foreign trade on the Nigeria economy. These questions are:
1.2 STATEMENT OF THE PROBLEM
– How far has our country advanced in the production of goods with export quality?
– What are the things necessary for the industrial development of Nigeria?
– How much has Nigeria’s exports competed with her imports?
If we are able to give answers to these very relevant questions, and if we are able to identify the problem we encounter in the process, also if we are able to give solutions to these problems both, individually and collectively, then we will be able to solve these pressing problems which have hindered the overall economic growth and development of the Nigeria economy. And Nigeria will grow to become fully industrialized as many advanced countries of the world.
A developing economy as that of Nigeria is basically characterized by a high degree of subsistence production, with a very low application of modern technology. These have resulted into a very high volume of importation against manufacturing and tertiary industries are relatively low and the agro- based industries are common but, in low capacity.
Foreign trade should be highly encouraged but, there should

THE MARKETING OF BANKING SERVICES
(A CASE STUDY OF FIRST BANK OF NIGERIA PLS)

 

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ABSTRACT
This study – investigated the marketing of banking services with it problems and prospects within the socio-economic environment Bank of Nigeria (Plc) as a case study.
The main purpose was to find out the effectiveness of the marketing of banking services as it affects the bank itself and the banking industry, the customers welfare and profitability of the bank and national economy in general. There is however a rapid increase in the number of banks and this led to number of banks and this led to competition among banks. This competition became so fierce that banks began to seek means of survival.
In the course of achieving the above objectives both primary and secondary data were used to gather information. For the primary method data collection, both questionnaires and interview method are used. Whereas for the secondary data collection, information were sought from Bank libraries, journals and text books.
The questionnaires used were distributed to both bank staff and customers of First Bank of Nigeria Plc.
After the analysis of data collected, the researcher ascertained that commercial banks face competition in marketing of their services. Banks conduct marketing research as to achieve their target profit motive; banks have some problem that preventing them form rendering efficient banking services to their customer.
However, some recommendations were made based on the finding above. That bank should organize more training for their staff especially concerning their attitude towards banks customers; Banks should also embark on research that will enable them identify their customers needs and the ways of meeting such needs.

TABLE OF CONTENTS
TITLE PAGE
APPROVAL PAGE
DEDICATION
ACKNOWLEDGEMENT
ABSTRACT
CONTENTS

CHAPTER ONE
1.1 Background of the Study
1.2 Statement of the Problem
1.3 Objective of the study
1.4 Research questions
1.5 Research hypothesis
1.6 Significance of the study
1.7 Scope, limitations and delimitations
1.8 Definitions of terms

CHAPTER TWO
2.1 Review of related Literature
2.2 Nature of Marketing of banking service
2.3 Purpose of marketing bank service
2.4 Services Rendered by banks
2.5 Current Accounts
2.6 Saving Account
2.7 Fixed deposit account
2.8 Night safe facilities
2.9 Safe custody
2.10 Leasing
2.11 Loan Syndication
2.12 Telegraphic mail transfer
2.13 Cheque clearing
2.14 Bank draft
2.15 Standing orders
2.16 Investment services
2.17 Problems facing marketing of bank services
2.18 How to improve marketing of bank services
2.19 Marketing management concepts
2.20 Production concepts
2.21 Products Concept
2.22 Selling Concept
2.23 Marketing Concept
2.24 Societal marketing concept
2.25 Marketing Mix
2.26 Product
2.27 Place
2.28 Promotion
2.29 Pricing
2.30 Strategic marketing process
2.31 What are survivals Strategies?
2.32 Techniques for survival
2.33 Scientific management approach
2.34 Strategic Planning
2.35 Public relation
2.36 infrastructure and modern technology
2.37 Banking regulations
2.38 Human Resources

CHAPTER THREE
Research design and methodology
3.1 Research Design
3.2 Area of study
3.3 Population
3.4 Sample and Sampling Techniques
3.5 Instruments of Data Collection
3.6 Methods of Data presentation
3.7 Methods of Data Analysis

CHAPTER FOUR
4.1 Data Presentation of analysis
4.2 Analysis of response Rate
4.3 Presentation and analysis of data
4.4 Testing and interpretation of hypothesis

CHAPTER FIVE
5.1 Summary of findings
5.2 Recommendations
5.3 Conclusion
Bibliography
Questionnaire

CHAPTER ONE
Introduction:

1.1 Background of the study
1.2 Statement of the problem
1.3 Purpose / objective of the study
1.4 Research questions
1.5 Research hypothesis
1.6 Significance of the study
1.7 Scope, limitations and delimitations.
1.8 Definitions of terms.

CHAPTER TWO
Review of related literature

CHAPTER THREE
Research Design and Methodology
3.1 Research Design
3.2 Area of study
3.3 Population
3.4 Sample and sampling techniques
3.5 Instruments of data collection
3.6 Methods of data presentation
3.7 Methods of data analysis
CHAPTER FOUR
Data Presentation and Analysis

CHAPTER FIVE
Findings, Recommendations and Conclusion

NB: In-text citations in line with APA method must be strictly observed.

CHAPTER ONE
INTRODUCTION
1.1 BACKGROUND OF THE STUDY
In any economic set up, there are various institutions engaged in Commercial activities with the cardinal aims of strengthening their financial base and quality service to the society through the marketing of their products and services; thereby establishing themselves firmly within the given economic environment.
Before the Mid-1950’s banks had no understanding or regard for marketing because they were supplying needed services. Marketing came into banks in the late 1950’s not in the form of “Marketing Concept”, but in the form of advertising and promotion concept. The financial institutions especially the banks feature prominently in competitive economic atmosphere principally focusing their operations in the marketing of their services to the general public.
However, some of these services include among other, the granting of loans and overdrafts, issue and purchase of securities, provision of sate depositories to customers as well as facilities for making payments through bank notes and cheques. It is therefore a simply obvious that an institution like bank should evolve sound management techniques coupled with effective marketing and services strategies within its socio-economic and political ambient. It also follows that certain operational problems may try to impinge on the efforts of the Bank to stand firm amidst the winds of economic vacillation and constant policy changes.
The First Bank of Nigeria (Plc) one of the leading Banks in the marketing of Bank services has taken various strategic steps in a bid to improving its marketing operations and liquidity strength, customer relations, credibility, and effective participation in the resuscitation of the economy. This will receive due attention in the course of this work. Suggestions and recommendations will also be given to the possible way of solving the various problems affecting the marketing of banks services within the system.
1.2 STATEMENT OF THE PROBLEM
The Banking industry has been identified over the years as having the potential of transforming the basic economy of any community, state or nation, if properly established and well constituted, controlled and managed. In the banking industry today, certain problems affected the effective and efficient services; thereby preventing them from achieving their target aim.
One of the major problems in the banking industry is the poor customer services shown by long but avoidable delays in accomplishing simple transaction. These transactions range from encashment of cheques, opening of new accounts to processing of loan and overdraft applications. This delay of services is obviously detrimental to office owners, international businessmen and students, as they sneak out of their different places of work to withdraw some small amount of money.
Secondly, it appears that banks are face by incompetent staff carrying out infection transactions. This is because staff are not employed by merit rather they are more often employed by god fatherism.
Another problem is the need to bring to the fore, a thorough understanding