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For the purpose of clarity, the work will be divided into five (5) chapters and each of the chapters will look at a relevant segments of the study as follows, chapter on gives a general introduction, the aim of engaging in the study, definition of the study, key terms and research questions.


This chapter is therefore an overview of the whole work. The second chapter contains the literature review, that is the works of various authors in the field of impact of rising interest rate on manufacturing was examined. Chapter three will take a look at research methodology, sources of data collection, population and sample size, population and sampling techniques instruments for data collection as well as technique for data analysis. Chapter four contains data presentation, data analysis interpretation and summary of findings.


Finally the last chapter will be the conclusion of what has been derived from the study and recommendation made; there is need for manufacturing firm to have the basic intellectual and management capacity that will help bring about efficiency in production and resource utilization and the CBN should device a better method of monitoring the activities of banks to ensure policy compliance, good corporate governance and social responsibility.




Title page     –         –         –         –         –         –         –         –         –         –         i

Declaration –         –         –         –         –         –         –         –         –         –         ii

Approval page       –         –         –         –         –         –         –         –         –         iii

Dedication   –         –         –         –         –         –         –         –         –         –         iv

Acknowledgment –         –         –         –         –         –         –         –         –         v

Abstract       –         –         –         –         –         –         –         –         –         –         vi

Table of contents   –         –         –         –         –         –         –         –         –         vii



1.1     Background of the study –         –         –         –         –         –         –         1

1.2     Statement of Problems     –         –         –         –         –         –         –

1.3     Objectives of the study    –         –         –         –         –         –         –

1.4     Research Question 0-       –         –         –         –         –         –         –

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

1.6     Scope and limitation of the study         –         –         –         –         –

1.7     Definition of terms –         –         –         –         –         –         –         –



2.1     Definition    –         –         –         –         –         –         –         –         –

2.2     Historical Development of Interest Rate         –         –         –         –

2.3     Concept of Manufacturing Sector        –         –         –         –         –

2.4     Nigerian Economy –         –         –         –         –         –         –         –

2.5     Policies of Interest Rate   –         –         –         –         –         –         –



3.0     Introduction           –         –         –         –         –         –         –         –

3.1     Research Design    –         –         –         –         –         –         –         –

3.2     Area of Study        –         –         –         –         –         –         –         –

3.3     Population of Study         –         –         –         –         –         –         –

3.4     Sampling Technique        –         –         –         –         –         –         –

3.5     Data Collection and Instrument  –         –         –         –         –         –

3.6     Validity and Reliability of Instrument –         –         –         –         –

3.7     Administration of the Instrument         –         –         –         –         –

3.8     Method of Data Analysis –         –         –         –         –         –         –



4.0     Introduction –         –         –         –         –         –         –         –         –

4.1     Data Presentation   –         –         –         –         –         –         –         –

4.2     Data Analysis        –         –         –         –         –         –         –         –


5.0     Introduction –         –         –         –         –         –         –         –         –

5.1     Summary     –         –         –         –         –         –         –         –         –

5.2     Conclusion –         –         –         –         –         –         –         –         –

5.3     Recommendation   –         –         –         –         –         –         –         –









The Central Bank of Nigeriais responsible for implementing monetary policy, regulating and supervising banks, and operating the payments system. With these responsibilities come the authority to raise and lower national interest rates in the banking industry. Interest rate movements help balance inflation and keep the economy stable. When the economy slows and inflation is high, the CBN raises interest rates to change consumer behavior


Interest has been variously defined both by conventional economists and Islamic economists. In conventional economic interest rate refers to that surplus income that is positive which a lender receives from the borrower over and above, the principal amount, as a reward for waiting or parting with the liquid part of his capital for a specified period of time.


Given the prominent role of the banking sector in the euro area’s financial system, it is of significantimportance for the ECB to monitor the degree of competitive behaviour in the euro area bankingmarket. A more competitive banking market is expected to drive down bank loan rates, adding to thewelfare of households and enterprises. Further, in a more competitive market, changes in the ECB’smain policy rates supposedly will be more effectively passed through to bank interest rates.


This study extends the existing empirical evidence, which suggests that the degree of bank competitionmay have a significant effect on both the level of bank rates and on the pass-through of market rates tobank interest rates. Understanding this pass-through mechanism is crucial for central banks. However,most studies that analyse the relationship between competition and banks’ pricing behaviour apply aconcentration index such as the Herfindahl-Hirschman index (HHI) as a measure of competition. Wequestion the suitability of such indices as measures to capture competition. Where the traditionalinterpretation is that concentration erodes competition, concentration and competition may insteadincrease simultaneously when competition forces consolidation. For example, in a market whereinefficient firms are taken over by efficient companies, competition may strengthen, while themarket’s concentration increases at the same time. In addition, the HHI suffers from a seriousweakness in that it does not distinguish between small and large countries. In small countries, theconcentration ratio is likely to be higher, precisely because the economy is small.


The main contribution of this paper is that it applies a new measure for competition, called the Booneindicator (see also Boone, 2001; Bikker and Van Leuvensteijn, 2008; Van Leuvensteijn et al., 2007).The basic notion underlying this indicator is that in a competitive market, more efficient companies arelikely to gain market share. Hence, the stronger the impact of efficiency on market shares is, thestronger is competition.


Further, by analyzing how this efficiency-market share relationship changesover time, this approach provides a measure which can be employed to assess how changes incompetition affect the cost of borrowing for both households and enterprises, and how it affects thepass-through of policy rates into loan and deposit rates.Our study contributes also to the pass-through literature in the sense that it applies a newly-constructeddata set on bank interest rates for eight euro area countries covering the January 1994 to March 2006period.




This article highlights various college of education, polytechnics, universities website in Nigeria.


Adeyemi College of Education, Ondo,

Alvan Ikoku College of Education, Owerri,

Alvan Ikoku College of Education, Owerri,

Federal College of Educ. Abeokuta,

Federal College of Education, Eha-Amufu,

Federal College of Education, Kano,

Federal College of Education, Katsina,

Federal college of Education, Kontagora,

Federal College of Education, Obudu,

Federal College of Education, Okene,

Federal College of Education, Okene,

Federal College of Education, Pankshin,

 Federal College of Education, Yola,

Federal College of Education, Zaria,

Federal College of Education (Technical), Akoka,

Federal College of Education (Technical), Asaba,

Federal College of Education (Technical), Bichi,

Federal College of Education (Technical), Gombe,

Federal College of Education (Technical), Gusau,

Federal College of Education (Technical), Omoku,

Federal College of Education (Special) Oyo,

State college of education

College of Education, Agbor,

Akwa-Ibom State College of Education, Afaha-Nsit,

College of Education, Akwanga, ., form and admissions list

College of Education, Akwanga,

Cross River State College of Education, Akamkpa,

Adamu Augie College of Education, Argungu,

College of Education, Azare,

Bayelsa State College of Education, Okpoama,

Emmanuel Alyande College of Education, Oyo,

Enugu State College of Education (Tech.) Enugu,

College of Education, Ekiadolor,

Umar Suleiman College of Education, Gashua,

College of Education, Gindiri,

Michael Otedola College of Primary Education, Moforiji,

College of Education, Port Harcourt,

Adeniran Ogunsanya College of Education, Otto,

Tai Solarin College of Education, Ijebu-Ode,

Tai Solarin College of Education, Ijebu-Ode,

Ebonyi State College of Education, Ikwo,

College of Education, Ikere,

College of Education, Ilesha, .

College of Education, Ilesha,

College of Education, Ilorin,

College of Education, Jalingo,

Kano State College of Education, Kumbotso,

College of Education, Benue,

Kebbi State College of Education, Argungu,

College of Education, Minna,

Nwafor Orizu College of Education, Nsugbe,

College of Education, Oju,

College of Education, Oro,

College of Education, Oro,

Oyo State College of Education, Oyo,

College of Education, Warri,

College of Education, Warri,

FCT College of Education, Zuba,

Private college of education in Nigeria

Angel Crown College of Education, Gidan-Daya, .

Elder Oyama Memorial College of Education, Ofat-Adun,

Assanusiyah College of Education, Odeomu,

African Thinkers Community of inquiry College of Education,

Best Legacy College of Education, Ikirun,

Bauchi Institute for Arabic and Islamic Studies, .

Calvin Foundation College of Education, Naka,

Harvard Wilson College of Education, Aba,

Hill College of Education, Akwanga,

Institute of Ecumenical Education, Enugu,

College of Education, Foreign Links Campus Moro,

College of Education, Foreign Links Campus Moro,

Diamond College of education aba

Muhyideen College of Education, Ilorin,  

ONIT College of Education, Abagana, .

The African Church College of Education, Lagos,

St. Augustine College of Education, Yaba,

Yewa Central College of Education, Ogun,

List of Federal Universities in Nigeria

Abubakar Tafawa Belewa University,

Ahmadu Bello University, Zaria,

Bayero University, Kano,

Federal University, Gashua,

Federal University of Tech, Akure,

Federal University of Petroleum Resources, Effurun,

Federal University of Technology, Minna,

Federal University of technology, Owerri,

Federal University Dutse,

Federal University Dutsin-Ma,

Federal University, Ndufu-Alike,

Federal University, Otuoke,

Federal University, Wukari,

Federal University, Birnin Kebbi,

Federal University, Gusau

Michael Okpara Univeristy of Agric, Umudike, .

Modibbo Adama University of Tech, Yola, .

National Open University of Nigeria,

Nigeria Police Academy Wudil, .

Nigeria defense Academy, Kaduna, .

Nnamdi Azikiwe University, Awka,

Obafemi Awolowo University, Ile-Ife, .

University of Abuja, Gwagwalada, .

University of Agriculture Abeokuta,

University of Agriculture Markurdi,

University of Benin,

University of Calabar,

University of Lagos,

University of Maiduguri,

University of Nigeria Nsukka,

University of Port-Harcourt

University of Uyo, .

Usmanu Danfodiyo University,

List of State Universities in Nigeria admission list

Abia State University, Uturu,

Adamawa State University, Mubi,

Adekunle Ajasin University, Akungba,

Amrose Alli University, Ikot Akpaden,

Anambra State University of Sc. & Tech, Uli,

Anambra State University of Sc. & Tech, Uli,

Bauchi State Unibversity, Gadau,

Benue State University Markurdi,

Bukar Abba Ibrahim University, Damaturu,

Cross River State University of Sc. & Tech, Calabar, .

Delta State University Abraka,

Ebonyi State University, Abakaliki,

Ekiti State University,

Enugu State University of Sc. & Tech. Enugu,

Gombe State University, Gombe

Ibrahim Badamasi Babangida University,

Ignatius Ajuru University of Education,

Imo state University,Owerri,

Jigawa State University,

Kaduna State University, Kaduna

Kano University of Sc. & Tech, Wudil

Kebbi State University, Kebbi,

Kogi State University, Anyigba,.

Kwara State University, Ilorin, .

Ladoke Akintola university of Tech,

Lagos State University Ojo,

Nasarawa State University, Keffi,

Niger Delta University, Yenagoe,

Olabisi Onabanjo University Ago-Iwoye,

Ondo State University of Sc. & Tech, Okitipupa,

Osun State University, Oshogbo,

Plateau State University, Bokkos,

Rivers State University of Sc. & Tech,

Tai Solarin University of Education, Ijebu-ode,

Taraba State University, Jalingo,

Umaru Musa Yar’Adua University,

Private Universities

Achievers University, Owo,

Adeleke University, Ede,

Afe Babalola University, Ado- Ekiti,

African University of Sc. & Tech, Abuja,

Al-hikmah University, Ilorin,

Ajayi Crowther University, Ibadan,

Al-Qalam University, Katsina,

American University of Nigeria, Yola, .

Babcock University, Ilishan,

Baze University,

Bells University of Technology, Otta,

Benson Idahosa University, Benin,

Bingham University, New Karu,

Bowen University, Iwo,

Caleb University, Lagos, .

Caritas University, Enugu,

CETEP City University, Lagos,

Covenant University, Ota,

Crawford University, Igbesa,

Crescent University,

Elizade University, Ilara-mokin, .

Fountain University, Oshogbo,

Gregory University, Uturu,

Hallmark University,

Igbinedion University, Okada

Joseph Ayo Babalola University,Ikeji,

Kwararafa University, Wukari,

Lead City University, Ibadan,

Madonna University, Okija

Mcpherson University, Seriki

Nigerian-Turkish Nile University, Abuja,

Novena University, Ogume,

Obong University, Obong Ntak, .

Oduduwa University, Ipetumodu,

Pan-African University, Lagos,

Paul University, Awka,

Redeemer’s University, Mowe,

Renaissance University, Enugu,

Salem University, Lokoja,]

Tansian University, Umunya, .

University of Mkar

Veritas University, .

Wellspring University, Edo, .

Wesley University of Sc. & Tech, Ondo,

Western Delta University, Oghara

List of all the Federal Polytechnics in Nigeria

    Air Force Institute of Technology Nigerian Air Force,

    Air Force Institute of Technology Nigerian Air Force,

    Akanu Ibiam Federal Polytechnic, Unwana,

Nigeria Army School of Military Engineering,

     Auchi Polytechnic .

     Auchi Polytechnic .

    Federal Polytechnic, Ado-Ekiti

Federal Polytechnic, Ado-Ekiti .

Federal Polytechnic, Bauchi, .

    Federal Polytechnic, Bida,

 Federal Polytechnic, Bida,

   Federal Polytechnic, Damaturu,

     Federal Polytechnic, Ede, Osun State,

 Federal Polytechnic, Ede, Osun State,

 Federal Polytechnic, Ida,

   Federal Polytechnic, Ida, .

  Federal Polytechnic, Ilaro,

     Federal Polytechnic, Ile-Oluji, Ondo State,

    Federal Polytechnic, Mubi,

   Federal Polytechnic, Namoda,

   Federal Polytechnic, Nassarawa,

  Federal Polytechnic, Nekede,

    Federal Polytechnic, Nekede,

Federal Polytechnic, Offa,

 Federal Polytechnic, Offa,

 Federal Polytechnic, Oko,

Federal School of Dental Technology and Therapy,

Kaduna Polytechnic, Kaduna,

Hussaini Adamu Federal Polytechnic,

Nigeria Army School of Military Engineering,

Federal College of Animal Health and Production Technology

Waziri Umaru Federal Polytechnic Birnin Kebbi,

Yaba College of Tech,

List of State Polytechnics in Nigeria

 Abraham Adesanya Polytechnic, Ijebu-Igbo,

Abia State Polytechnic, .

Adamawa State Polytechnic,

Akwa-Ibom State Polytechnic, Ikot-Osurua,

Benue State Poly, Ugbokolo,

Gateway Polytechnic, Igbesa,

Rufus Giwa Polytechnic,

Rufus Giwa Polytechnic,

The Polytechnic, Ibadan, .

Institute of Mgt. and Tech,

Imo State Polytechnic, Umuagwo

Kano State Polytechnic,

Kogi State Polytechnic, Lokoja,

Kwara State Polytechnic, Ilorin,

Lagos State Poly, Ikorodu,

Moshood Abiola Poly,

Nasarawa State Polytechnic

Nuhu Bamalli Polytechnic,

Delta State Polytechnic, Ogwashi-Uku,

Osun State Poly, Iree,

Osun State Poly, Iree,

Osun State College of Tech, Esa-Oke,

Delta State Polytechnic, Ozoro,

Plateau State Polytechnic, Barkin-Ladi,

Adamawa State Poly,

Rivers State College of Arts and Science,

Rivers State College of Arts and Science

Rivers State Polytechnic,

Gateway Polytechnic Saapade

Edo State Inst. of Tech and Mgt, Usen,

Niger State Poly, Zungeru, Niger State,

List of Private Polytechnics in Nigeria

Allover Central Polytechnic,

Crown Polytechnics,

Covenant Polytechnic,

Dorben Polytechnic, Bwari-Garam Road,

Fidei Polytechnic, Gboko,

Grace Polytechnic,

Grace Polytechnic,

Igbajo Polytechnic,

The Polytechnic, Ile-Ife, NITEL Road

Lagos City Poly, Ikeja, Lagos State,

Light House Polytechnic, Eubuobanosa,

Interlink Polytechnic,

Kings Polytechnic, Ubiaja,

RONIK Polytechnic,

Shaka Polytechnic, Polytechnic, Benin city,

Temple-Gate Polytechnic,

Wolex Polytechnic

Prime Polytechnic

The Polytechnic Imesi-Ile, Osun

Heritage Polytechnic, Ikot Udota

Ibadan City Polytechnic

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