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Managing Industrial Disputes in the Nigerian University System.

Managing Industrial Disputes in the Nigerian University System. (A case study of Enugu state University of Science and Technology (ESUT) and University of Nigeria, Nsukka (UNN).

 

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CHAPTER ONE

INTRODUCTION

  • BACKGROUND OF THE STUDY

University worldwide is regarded as the citadel of knowledge, the fountain of intellectualism the most appropriate ground for the incubation of leaders of tomorrow. According to Ike (1999:1) a university fulfills, one major function it is a knowledge and value provider it stand or fails in its ability or inability to deliver on this criteria. According to magna carta universitatum, “the university is an autonomous institution at the heart of societies differently organized because of geographically and historical heritage; it produces, examines, appraises and hands down culture by research and is an enterprise that serves multi disciplinary purposes. This according to Nwankwo (2000:25) explains why merit has been the watchword in the university system – a system a student must first be certified worthy in character and learning before being admitted into the Honours Degree Hall. Universities are key author in national development, more so in Africa than in other regions. Their roles in research and this explains why the Federal Government of Nigeria is acknowledging the university as a fulcrum for national development, set up a commission headed by Chief Gray Longe 1992 to review higher education in Nigeria with particular reference to universities in Nigeria. The commission was given terms of reference amongst which were;

  1. To re-examine the developmental roles of universities in developing countries such as Nigeria.
  2. Determine the middle and higher level manpower supply and demand of the country, and advice in the area of under / over population and under/ over utilization of the same.
  • Examine the availability and adequacy of academic staff in universities.
  1. Investigate the nature, sources and criteria of funding in higher educational institutions. (Especially universities) with a view to improving the situation and guaranteeing steady source of funds for optimal functional of these institutions.
  2. Review the general condition of staff in higher educational institutions such as salaries, pensions and retirement benefit, housing of the public service and private sector and particularly to stemming the brain drain phenomenon.
  3. Review the criteria for appointment of administration, including the vice-chancellor, provosts, rector, registrars and other principal officers, their terms of office and the process of renewal of their appointment.

The commission held special sessions with a number of eminent personalities and educationist from whose knowledge and experience of the educational system in Nigeria it benefited immensely.

Finally, the commission defined higher education as the type of education in higher educational institution especially in universities (conventional and specialized), which produce high level and middle level manpower, but not specialized set up by professional bodies.

The commission also noted that the goals and objectives among others include; teaching, research and public service. The commission observed that Nigeria universities had established standard comparable to the best in other parts of the world. The commission, however, frowned at the discovery that the following physical conditions are still the trade – marks of the Nigerian universities;

  • Dilapidated workshops equipment in most of the higher institutions.
  • Inadequate facilities such as libraries, lecture rooms, laboratories and work farms.

The commission was also appalled by the fact that universities have not achieved much in terms of the goals and objectives for which they were set  up, owing to incessant disruption in the academic flow chart caused by strike actions, industrial unrest, students hooliganism, political instability etc.

Based on these discoveries, the commission recommended among others, that;

  • The university education as the apex of the system of higher education should play a leadership role in the nation providing people of special qualification and motivation.
  • Universities education is not a means to earn a living. It should also equip the individual to the highest level of his ability with the intellectual and physical skill which he requires to be an innovative, creative and self-reliant member of the society.
  • The university, because of its key role in the overall economy should always encourage and facilitate industrial harmony and provide a conducive atmosphere for learning and attainment of other goals and objectives.

The government on its part accepted these recommendations and thus, commented as follows:

  • That university should undertake periodic reviews of programmes and activities to meet national priority goals as defined from time to time.
  • In order to develop closer academic / industrial relationship and also ensure that the programmes of tertiary institutions are relevant to the needs of the industry and the national economy, there should be regular interaction between the institutions, the employers of their products, and the National Manpower Board.
  • The government on its own pat should render its lawful obligations to the universities by providing funds, research grants, the required infrastructure (roads, laboratories , electricity, telephone), a conducive learning environment and allowing universities to operate autonomously by ensuring that government does not interfere with the university administration.
  • To encourage industrial harmony in the higher educational institutions by passing laws that will preserve the rights of various interest groups within the university system, especially organized trade unions and employers associated.

This is however, the general picture of the events that surrounds the university system in Nigeria. We shall examine at the appropriate chapters of this work how far these major actors in industrial disputes have discharge their respective obligations in order to reduce the rate of industrial disputes in the Nigeria universities.

 

  • STATEMENT OF THE PROBLEM

Over the last thirty years in Nigeria, the educational system has witnessed an unprecedented industrial unrest and so many official assaults than other social institution. According to Onuoha (2001:8), this is so perhaps, because of its strategic place both in the nation’s hierarchy of priorities and its considered role as a veritable machine for development. In his own contribution, Nwankwo (2000:37) opined that Nigeria educational institutions, characterized by military intervention in governance have witnessed untold negative political interference and a seeming calculated moves to submerge it in the river of irrelevances. He further argued

ACHIEVING ORGANIZATIONAL OBJECTIVES THROUGH EFFECTIVE COMMUNICATION

ACHIEVING ORGANIZATIONAL OBJECTIVES THROUGH EFFECTIVE COMMUNICATION

(A Case study of Bank PHB PLC, Kaduna)

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ABSTRACT

Effective communication in any organization, regardless of its type and size remains critical to the achievement of organizational objectives.  This is more so, when any break communication will result in chaos, misunderstanding and conflict.  Bank PHB, PLC lays great emphasis on both oral and written communication for the successful accomplishment of its goals and objectives.

 

The objectives of this study therefore are; to find out different methods and channels of communication and how these can best be used in achieving organizational goals.  It was to also find out the barriers and problems of communication and how they can be solved.  Consequent upon which, some recommendations were to be made on how organizations can improve their system of communication for optimum performance and higher productivity.  The study adopted the descriptive method through structured means.  The data collected for this study were qualitative. Therefore, the research relied on descriptive analysis.

 

A summary of the findings indicate that effective communication is an important factor for any organization that wants to achieve its objectives.  While it was also discovered that ineffective communication could lead to difficulties such as breakdown in communication, low morale, industrial conflict and low productivity.

 

The study proffers strategies to overcome the identified problems and also improve on the existing means of communication.

 

CHAPTER ONE

1.0    Introduction———————————————————–

1.1    History and background of the study———————————-

1.2    Statement of the problem——————————————

1.3    Objective of the study———————————————-

1.4    Research hypotheses————————————————

1.5    Significance of the study—————————————–

1.6    Scope and limitations of the study———–

 

 

 

 

CHAPTER TWO

2.0    Literature review

2.1    An overview of the objectives of communication——————

2.2    Organizational communication—————————————-

2.3.1 The structure of organizations—————————————-

2.3.2 Organizational chat showing the product structure—————-

2.3.3 Matrix structure———————————————————

2.4    Organizational objectives———————————————-

2.4.1 Profitability objective—————————————————

2.4.2 Employee oriented objective——————————————

2.4.3 Efficiency and Innovation objectives———————————

2.5    Communication flow in organizations——————————–

2.5.1 Communication process————————————————

2.5.2 Communication means/medium in PHB——————————

2.5.3 Direction of flow———————————————————

2.6    Communication Network————————————————

2.7    Communication Barriers————————————————-

2.8    Conquering the communication Barriers in organizations———-

 

 

CHAPTER THREE

 

3.0    Research Methodology

3.1    Introduction———————————————————–

3.2    Research Design——————————————————-

3.3    Population of the study———————————————–

3.4    Sample size and sample Techniques——————————–

3.5    Instrumentation——————————————————–

3.6    Administration of the instrument————————————

3.7    Procedure for statistical Analysis————————————

 

CHAPTER FOUR

4.0    Introduction ———————————————————-

4.1    Presentation and Analysis of Data———————————-

4.2    Test of Hypotheses—————————————————-

CHAPTER ONE

INTRODUCTION

  1. INTRODUCTION

Communication is the glue that holds organisations together.  Communication assists organizational members to accomplish both individual and organizational goals, implement and respond to organizational changes, coordinate organizational activities, and engage in virtually all organizationally relevant behaviours.  Yet, as important as this process is, breakdowns in communication are pervasive.  The anonymous with who said  “I know you believe you understand what you think I said but I am not sure you realize that what you heard is not what I meant” was being more than humorous; she or he was  describing what every one of us has experienced: a failure to communicate.

 

To the extent that organizational communications are less effective than they might be, organizations will therefore be less effective than they should be.  For example in many companies, new employee orientation programs represent the first important opportunity to begin the process of effective communication with an employee.  At Marriot International, the worldwide hotel and resort chain, 40 percent of new employees who leave the organization do so during the first three months on the job.  At least that had been true historically.  Recently, the rate of departures has been significantly reduced because Marriot has embarked on a concerted effort to improve the content and manner in which it communicates with new employees during orientation.  In addition to formally providing more information, each new employee is assigned a “buddy” who serves as a vital communication link to which the newcomer has unrestricted access. Marriot helps ensure that its frontline service personnel communicates effectively with their guests by ensuring that Marriot Communicates effectively with its employees starting from their very first day on the job.

It would be extremely difficult to find as aspect of a manager’s job that does not involve communication serious problems arise when directives are misunderstood, when casual kidding in a work group leads to anger, or when informal remarks by a top-level manager are distorted.  Each of these situations is a result of a break down somewhere in the process of communication.

Accordingly, the pertinent question is not whether managers engage in communication inherent to functioning of an organization.  Rather, the pertinent question is whether managers will communicate well or poorly.  In other words, communication itself is unavoidable.  Every manager must be a communicator.  In fact, everything manager communicates something in some way to somebody or some group  the only question is “with what effect?” This point will become apparent as you proceed through the chapter.  Tremendous advances in communications and information technology among the people in organizations leaves much to be desired.  Communication among people does not depend on technology but rather on forces in people and their surroundings.  It is a process that occurs within people. Below is a simple input-out diagram showing the process of communication flow and evaluation.

 

Communication also serves as an instrument of social interaction. It help us to understand people, to understand them and predict their responses to situations.  It is a means by which power is acquired, exercised and sustained; it is the medium through which relationships are established, attained and

CAPITAL BUDGETING IN THE PRIVATE SECTOR

CAPITAL BUDGETING IN THE PRIVATE SECTOR
(A CASE STUDY OF THE NIGERIAN BREWERIES)

 

 

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ABSTRACT

Capital budgeting involve basically the estimation of the cash flow, estimation of the expected cash return and application of evaluation techniques in making investment decision.
This study looked into the extent to which the Nigerian breweries do carry out proper evaluation of capital project before making their investment decision as well as the extent in which other factors are consider in the decision process.
The study wills assertion the extent to which capital budgeting evaluation techniques are used by the Nigerian breweries in evaluation the capital budgeted projects. And consider whether well-evaluated project will yield adequate return for investors as well as the other factor, which influence the selection of the project to be invested in.
In arriving at my conclusion, interview were conducted and statistical test such as the chi-square were used in analyzing data collected at the course of the study.
Result of the study show that the evaluation of the capital project by the management of the Nigerian breweries is not normally carried out effectively before making their investment decision and that a well evaluated project will normally yield an adequate return on investment.
Based on the findings, some recommendation has been put forward for consideration in chapter five.
TABLE OF CONTENT

CHAPTER ONE:
1.1 Introductions
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
1.8 Definitions of terms

CHAPTER TWO:
2.0 Review of the related literature
2.1 Meaning of capital budgeting decision
2.2 Importance of capital budgeting decision
2.3 Types pf capital budgeting decision
2.4 Problems
2.5 Analysis of capital project
2.6 Deterring the cash flow
2.7 Techniques used in capital budgeting decision
2.7.1 Payback method
2.7.2 Net present value
2.7.3 Internal rate of return
2.7.4 Accounting rate of return
2.8 Ranking of investment proposal

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

CHAPTER ONE

INTRODUCTION
Every business firm normally will like to know how it perform over a period of time thus leading to a preparation of profit and loss statement. They also ask about their position at a particular point in time, which lead then to proper balance sheet. Finally they will like to know where they are leading which led to the preparation of budget.
Budgeting is a term that used by long man. Long confused budgeting with planning. a beget is part of a plan. A plan can be expressed in monetary and non-monetary terms. Any plan that is qualified in a monetary term is a budget . a bugeti therefore can be succinctly define as a statement of intention qualified in monetary terms.
In budgeting there are types of budget prepared by frims . such budget include capital budget, sale budget, cash budget and so on. The process of preparing capital budget is called budgeting. Capital budget are long-term budget made for acquisition and expansion of fixed asset. Many firms prepares capital budget today. It was originated in the united state of America (U.S.A) in America it was applied by all firm before the second war. After the second war, many firm saw the need to plan for capital expenditure, hence it is prevalence today.
The Nigerian brewery limited and other beverage are not left out in the train of firm of firm that prepare budget for its capital expenditure. This is however not easy as it is fought with a lot of problem.

STATEMENT OF PROBLEM
The main purpose of setting up a private firm is o archive enough sale revenue that will cover the fixed and the variable cost as well as live some profit top justify its existence. Nigerian brewery limited being a private enterprise involves a brewery beer has the objective of making big huge profit. Brewery all over Nigeria witness heavy rerun on their investment due to the expert of their product to neighboring African countries as well as the high consumption rate of beer in the country. This was before the year 1982.
The introduction of many stringent economic measure after the year 1982 aim at revamping the nations live economic brought with many problem with which the brewery industries is not left out. In the order to produce, firm in the brewery industry (* including the Nigerian brewery limited) acquire fixed asset as well as raw material. This acquisition is abased on the expected deman

AN EVALUATION OF THE EFFECT OF MANPOWER TRAINING AND DEVELOPMENT IN SERVICE ORGANISATIONS.

AN EVALUATION OF THE EFFECT OF MANPOWER TRAINING AND DEVELOPMENT IN SERVICE ORGANISATIONS.  (A CASE STUDY OF POWER HOLDING COMPANY OF NIGERIA (PHCN) PLC ENUGU ZONE)

 

COMPLETE MATERIAL IS N5,000.

MAKE YOUR PAYMENT  INTO ANY OF THE FOLLOWING BANKS:
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Account Name: 3059320631

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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. 

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                            ABSTRACT

  This research work was designed to study training and development of employees in service organization.

This study titled “An Evaluation of the effect of manpower training and development in service organizations. A case study of power holding company of Nigeria (PHCN) PLC Enugu Zone is of/with the view of finding out the way by which training and development can be conducted.

The objective of the study is to highlight the advantages of human resource training and development and recommend an appropriate measure that could help improve the current human resource training programmes. Relevant data for this research work were collected from both primary source and secondary source of data. A descriptive method was used for this study. The total population of the staff in the organization is 250 out of which questionnaires were drawn from staff of the organization which constitute a sample size of 154.  The statistical instrument used in testing the validity of the hypothesis was chi – square. Among the major findings of the work was that training and development programme improve productivity and better performance. The research therefore recommended that there should be a free flow of information to enable all the staff to be aware of the training and development programme available to them both internally and externally.

 

TABLE OF CONTENT

Title Page

Certification

Dedication

Acknowledgement

Abstract

Table of content

CHAPTER ONE  

 INTRODUCTION

  • Background of the study
  • Statement of the problem
  • Objective/purpose of the study
  • Research Questions
  • Statement of Hypothesis
  • Significance of the study
  • Scope and limitation of the study

CHAPTER TWO

REVIEW OF RELATED LITERTURE

  •   Theoretical framework for the study

2.2      Historical background

2.3      Current literature on theories post

Reference

CHAPTER THREE

RESEARCH DESIGN

  • Research Design
  • Sources of data

3.2.1    Primary sources of data

3.2.2    Secondary sources of data

3.3       Population of the study

3.4       Sample design and determination of sample size

3.5       Methods of data collection

3.5.1    Questionnaire design, distribution and collection of

responses

3.5.2    Secondary method of data collection

3.6       Method of data analysis

CHAPTER FOUR

DATA PRESENTATION AND ANALYSIS

  • Data Presentation and Interpretation
  • Test of Hypothesis

 

CHAPTER FIVE

SUMMARY, CONCLUSION AND RECOMMENDATION

  • Summary of findings
  • Conclusion
  • Recommendation

Bibliography

Appendix

Questionnaire

 

 

 

                                     CHAPTER ONE

                                 INTRODUCTION

  • BACKGROUND OF THE STUDY

Manpower training and development must be based on a need analysis derived from a comparison of “actual performance’’ and behavior with “required performance’’ and behavior. Manpower training and development is one of the major ways organization invests in the workforce for greater return today and even in the foreseeable future.

Organizational effectiveness rests on the efficient and effective performance of workforce that makeup the organization. The efficient and effective performance of the workforce inturn, rest on the richness of the knowledge, skills and abilities possessed by the workforce. Manpower training and development in most organizations is a continuous act/exercise. The inexorable march of time and the ceaseless glamour for social change combine to make adaptability and continuing preparation of the workforce as inevitable as the initial acquisition of knowledge and skills. This cannot happen if employees training and development do not occur in an enterprise. In other to maximize the productivity and efficiency of the organization, every executive, manager or supervisor in a public or private organization has the responsibility and indeed the bounding duty to ensure the development of their employees who have requisite knowledge and expertise.

Training is like sharpening an existing skill in order to reflect the trends in technology and other social –cultural environmental changes of an organization. Productivity is the goal of today’s competitive business world and training can be a spring board to enhance productivity. The aim is to enable them contribute their full measure to the welfare, health and development of the organization (onah 1993). The main objective of training and development in service organization is to increase efficiency of employees with the resulting increase in corporate productivity. This accounts for why a large number of fund and time is expected by organization at one period or the order in the improvement of the skills of their employees at various levels.

The principal intention of training according to AKPAN (1982:128), is to equip people with the knowledge required to qualify them for a particular position of employment, or to improve their skills and efficiency in the position they already hold.

Manpower development on the other hand, implies growth and the acquisition of wide experience for future strategic advantages of the organization.

Manpower training and development therefore, improves the effectiveness and efficiency of the employee. Therefore, the aim of this research is to know the current state, nature, procedure and method of training and development used by the power holding company of Nigeria (PHCN) for their employees and let’s not forget that any organization that has no plan for the training and development of its staff is less than dynamic for learning is a continuous process and acquired skills get obsolete when the environment changes. Also, a popular caption in the field of personnel management says, “If you think training and development are expensive try ignorance’’. While training and development prosper organization, ignorance destroys it. Therefore, workers like machines must be updated on constant basis or else, they end up becoming obsolete or misfit.

 

  • STATEMENT OF THE PROBLEM

This research as it deals with the training and development of employees in service organizations is intended to find out the efficiency and effectiveness of training and development programme in service organization with reference to power holding company of Nigeria (PHCN) Enugu Zone. Since power holding company of Nigeria (PHCN) is an organization governing the use of electricity in Nigeria serves as a source of electricity supply, distribution and maintenance round the Nation. For this reason, it encounters numerous problems which range from:

  • Lack of qualified instructors and consultants to undertake training courses,
  • Lack of essential training tools, to
  • Lack of effective communication within the organization which makes it impossible for most employees to know about training opportunities available to them.

THE ROLE OF COMMERCIAL BANKS IN THE ECONOMIC DEVELOPMENT OF NIGERIA

THE ROLE OF COMMERCIAL BANKS IN THE ECONOMIC DEVELOPMENT OF NIGERIA

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

                                   ORDER NOW

MAKE YOUR PAYMENT  INTO ANY OF THE FOLLOWING BANKS:
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Account Name : Chi E-Concept Int’l
ACCOUNT NUMBER:  0115939447
First Bank:
Account Name: Chi E-Concept Int’l
Account Name: 3059320631

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.

Enter Amount

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.

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MONEY BACK GUARANTEE

 

ABSTRACT

In the last fifteen years Nigeria has been experiencing the most serious economic crisis. The first major factor that put the country’s small – scale on the tendons position was the main stay of the economy. Nigeria being among the major producer of crude oil, suffered adversely from the effects of hurt in the world oil market. Nigeria depend on oil exportation for over 90% of its foreign exchange earning and 85% it government revenue. An appraisal of the contribution and constraints militating against effect fulfillment of bank objectives is provided. I also observed that if banks declare huge profit in a year, it is for the benefit of the economy since part of it is invested in preferred sectors of the economy. And as well will invariably create employment. Situation where government takes action to penalize bank for declaring so called huge profits leaving out manufacturing and oil companies is not encouraging at all. A case in point in the natural housing funds decree of 1990, which require banks and insurance companies to invest an amount equipment to not less than 10% of their loan and advance rate.  Or above these current account rate. Such policy, it must be enforced, it should cut across all sectors of economy.

 

 

 

CHAPTER ONE

  1. Introduction           –         –         –         –         –         –         –         1
  2. Statement of the General Problems      –         –         –         2
  3. Aims and Objectives of the essay        –         –         –         5
  4. Significance of the study –         –         –         –         –         6
  5. Scope of the study           –         –         –         –         –         –         7
  6. Definition of Terms         –         –         –         –         –         –         8-10

CHAPTER TWO

  1. Literature Review –         –         –         –         –         –         11

2.1     Historical background of Commercial Bank –         12

  1. Functions of Bank in the Economy-    –         –         –         15
  2. CBN Regulation on Commercial Banks         –         –         21
  3. The Business Environment and Future Prospect –    25

 

CHAPTER THREE

3.0     Summary, Conclusion and Recommendation –         27

  1. Summary     –         –         –         –         –         –         –         –         27
  2. Conclusion –         –         –         –         –         –         –         29
  3. Recommendations –         –         –         –         –         –         30-33

Bibliography          –         –         –         –         –         –         –         34

 

CHAPTER ONE

1.0     INTRODUCTION

The aim of every government is to provide its people with basic services, leadership and protect the entire people’s interest within its power, for a government to do this, it must have a sound and adequate financial planning to make it possible to cater for the people’s need

To a large extent, any government which comes into power has to depend on banks and other financial institution for keeping of some of its development project also, the government agencies and general pubic depends largely on loan from the banks to carry out their day to day business affairs.

Generally, the main aim of every bank is to minimize the last to running affairs of the bank and at the same time maximizes owner’s profit.  Some bank like the Central Bank of Nigeria (CBN) and development banks, the farmers have the main aim of correcting the economy while the later one established purposely to develop some sector of the economy.

Note:  Eg. Industry, agriculture etc.  This bank despite the fact that they make profit, they are not profit oriented.

 

Therefore, this research is based on the role played by commercial banks to the Nigeria economy with particular interest.

 

1.1     STATEMENT OF GENERAL PROBLEM

The present improvement in the banking industry may not wholly attributed to the rapid increase in the number of banks but is the rapid growth of our economy that brought about by the structural adjustment programme (SAP)

Though banking industry plays an important