the impact of the prudential guidelines in the insurance industry
COMPLETE PROJECT MATERIAL COST 3000 NAIRA
Note: our case study can be change to suit your desire location . we are here for your success.
ORDER NOW
GTBANK
Account Name : Chi E-Concept Int’l
ACCOUNT NUMBER: 0115939447
First Bank:
Account Name: Chi E-Concept Int’l
Account Name: 3059320631
ATM CARD: ATM OR ONLINE TRANSFER.
OR
PAY ONLINE USING YOUR ATM CARD. IT IS SECURED AND RELIABLE.
form>DELIVERY PERIOD FOR BANK PAYMENT IS LESS THAN 2 HOURS
Call Help Desk 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
Click here to download our android mobile app to your phone for more materials and others
PROPOSAL
What I intend to achieve as the researcher of this project topic the prudential guidelines on insurance companies will hold for the industry in the nearest future. This is to centered on the impact the issued of guidelines by the various regulatory bodies like the insurance Decree of 1996 and 1991 and the establishment of various bodies like the Nigerian insurance stock brokers and others.
I also want to achieve the performance apprisal of the insurance companies with view of improving revenue profits, identifying the problems faced as a result of this prudential guidelines issued.
In an effort to access the impacts of the implementation of the prudential guidelines one must first and for most achieve why the guidelines were issued and what they were intended to achieve.
Hence the need to findings lasting solutions to sanities the insurance industry to bring about a more better future for its existence.
Chapter one
Vividly speaking this will base on Introduction, Background of study, statement of problems, objectives of study, significance of the study, scope limitation and delimitation and lastly Definition of terms.
Chapter two
This particularly involve the Review of related literature, objectives of insurance regulation, insurance Decree of 1976 and insurance Decree No 58 of 1991.
Chapter Three
Under this chapter we have Research designed and methodology, Data source, Data type, Data location and method of investigation applied.
Chapter Four
This will basically base on presentation and analysis of data, General review of Nigerian insurance market and claims.
Chapter Five
This will contained the following findings, recommendation and conclusion.
ABSTRACT
This project work is aimed at giving an insight of what the prudential guidelines on insurance companies hold for the industry in the nearest future.
It is centered on the impact of issued guideline by the various regulatory bodies like the insurance. Decree of 1976 and 1991 and the establishment of the various bodies like the NISB and others.
It also examine the performance apprisal of the insurance companies with a view of improving revenue profits, identifying the problems faced as a result of this prudential guidelines issued.
Hence the need to finding lasting solution to sanitize the insurance industry to bring about a more better future for its existence.
TABLE OF CONTENT
CHAPTER ONE
1.0 Introduction 1
1.1 Background of study 2
1.2 Statement of problems 3
1.3 Objective of study 4
1.4 Significance of the study 5
1.5 Scope limitation and delimitation 6
1.6 Research Hypothesis 8
1.7 Definition of terms 9
CHAPTER TWO
2.0 Review of Related Literature 13
2.1 Objectives of insurance regulations 15
2.2 Insurance Decree of 1976 17
2.3 Insurance Decree No 58 of 1991 17
2.4 Insurance Association 18
2.5 Brief History of Insurable interest 27
2.6 Claims settlement 29
CHAPTER THREE
3.0 Research Design And Methodology 52
3.1 Data source 52
CHAPTER FOUR
4.0 Presentation and analysis of data 58
4.1 Introduction 58
4.2 Presentation of Question 58
4.3 Analysis of Data 68
CHAPTER FIVE
5.O Summary of Findings 76
5.1 Decision of Findings 78
5.2 Conclusion 79
5.3 Recommendation 81
Bibliography/References 83
CHAPTER ONE
1.0 INTRODUCTION
Insurance companies deal principally money and property.
According to Brettl. J. the subject matter of insurance is money and money only. They act as mobilizers of funds from surplus units and channel them to deficit units.
This channeling can be refered to as indemnity.
This can be put in another way, that the primary purpose traditionally of insurance to spread the financial losses of insured members over the whole of the insuring uncertainty by compensating the unfortunate few from the contributions of all members.
Premium changed by the insurance company is its primary sources of manning income, therefore the insurance companies help on premium for its insured or person, financial rights or liability to mention but a few.
However, the financial compensation promised by the insurer is what is called the subject matter of the contract.
Insurance contract is subject to the general Principles of Nigerian Law of Contract as in any other commercial activity. It these principles that makes for its validity. Not only does it affect insurance but it operates in every other commercial aspect of life.
1.1 BACKGROUND OF STUDY
The role of insurance as one of the major economic activities of a nation has long received would acclamation. It is not a dispute that insurance has attained a high degree of commercial sophistication.
Insurance business plays a major role in shaping the economic furtunes of the business enterprise institutions and individuals.
The economic profits of any country usually has an impact on both cost and benefits of insurance. Thus one should consider the examination of the subject of insurance regulation timely in view of current economic climate.
1.2 STATEMENT OF PROBLEMS
It has been a concern within the insurance industry on the introduction of the prudential guidelines, as it affects the performance appraisal of the insurance companies.
This research work is geared towards investigating the impact of this guideline as it affects the insurance industry in Nigerian.
In 1979 there was an act guiding the operations of insurance and ie- insurance business in Nigeria.
This act stipulated that minimum of 25 percent of the total assets of the insurance companies should be held by government and semi-government securities.
Non life insurance companies should invest not less than 10 percent of their total assets in real estate, while the minimum proportion for life insurance companies was fixed at 25 percent.
However, in recognition of the financial intimidation role of insurance companies by government the lending operation of the companies were brought under the control of the C.B.N with effect from April 1978. From then an insurance companies required to render monthly returns of their operation to the bank within 30 days from the end of each month.
1.3 OBJECTIVES OF STUDY
- To ascertain the impact of the prudential guidelines on insurance companies.
- To examine the facts contained in the prudential guidelines issues.
- To examine the performance of insurance companies with regards to premium income and profit since the introduction of the prudential guidelines.
- To identify the problems insurance companies face as a result of the introduction of prudential guidelines.
- To know whether insurance companies now send monthly report to regulatory bodies.
- Recommendations on the researcher’s findings.
1.4 SI9GNIFICANCE OF THE STUDY
- INSURANCE COMPANIES
This licensed companies will, through this research, work improve on their performance since the researcher will let the public know all that is required of the insurance companies as contained in the prudential guidelines issued on licensed insurance companies.
b. THE GOVERNMENT
Since the government though it regulatory bodies like NISB, C.B.N, etc issued the prudential guidelines this research will help the government know whether to let the prudential guideline continue or to withdraw it from being used by insurance companies.
C THE PUBLIC
The public here includes, the “insured” and the intending ones. This research work will help particularly the intending policy buyers to be aware of the new insurance policy on the insured.
1.5 SCOPE LIMITATION AND DELIMITATION
SCOPE
This research work covers the facts of the guidelines, premium income and profits position of insurance companies before and after the prudential guidelines, how the insurance companies welcome this new guidelines the impact the guidelines have made so far and the problems facing insurance companies as a result of the guidelines.
LIMITATION
This article highlights various college of education website in Nigeria. We provide free school Past Questions and answer, jamb exams, jamb registration Form and Admissions List to various students to gain admission into Federal, State and Private College Of Education In Nigeria. This article will also help students to check admission status of various institutions in Nigeria at a go.
Adeyemi College of Education, Ondo, past questions, form and admissions list
Alvan Ikoku College of Education, Owerri, past questions, form and admissions list
Alvan Ikoku College of Education, Owerri, past questions, form and admissions list
Federal College of Educ. Abeokuta, past questions, form and admissions list
Federal College of Education, Eha-Amufu, past questions, form and admissions list
Federal College of Education, Kano, past questions, form and admissions list
Federal College of Education, Katsina, past questions, form and admissions list
Federal college of Education, Kontagora, past questions, form and admissions list
Federal College of Education, Obudu, past questions, form and admissions list
Federal College of Education, Okene, past questions, form and admissions list
Federal College of Education, Okene, past questions, form and admissions list
Federal College of Education, Pankshin, past questions, form and admissions list
Federal College of Education, Yola, past questions, form and admissions list
Federal College of Education, Zaria, past questions, form and admissions list
Federal College of Education (Technical), Akoka, past questions, form and admissions list
Federal College of Education (Technical), Asaba, past questions, form and admissions list
Federal College of Education (Technical), Bichi, past questions, form and admissions list
Federal College of Education (Technical), Gombe, past questions, form and admissions list
Federal College of Education (Technical), Gusau, past questions, form and admissions list
Federal College of Education (Technical), Omoku, past questions, form and admissions list
Federal College of Education (Special) Oyo, past questions, form and admissions list
State college of education Past Questions, jamb exam, jamb registration Form And Admissions List
College of Education, Agbor, past questions, form and admissions list
Akwa-Ibom State College of Education, Afaha-Nsit, past questions, form and admissions list
College of Education, Akwanga, past questions, form and admissions list
College of Education, Akwanga, past questions, form and admissions list
Cross River State College of Education, Akamkpa, past questions, form and admissions list
Adamu Augie College of Education, Argungu, past questions, form and admissions list
College of Education, Azare, past questions, form and admissions list
Bayelsa State College of Education, Okpoama, past questions, form and admissions list
Emmanuel Alyande College of Education, Oyo, past questions, form and admissions list
Enugu State College of Education (Tech.) Enugu, past questions, form and admissions list
College of Education, Ekiadolor, past questions, form and admissions list
Umar Suleiman College of Education, Gashua, past questions, form and admissions list
College of Education, Gindiri, past questions, form and admissions list
Michael Otedola College of Primary Education, Moforiji, past questions, form and admissions list
College of Education, Port Harcourt, past questions, form and admissions list
Adeniran Ogunsanya College of Education, Otto, past questions, form and admissions list
Tai Solarin College of Education, Ijebu-Ode, past questions, form and admissions list
Tai Solarin College of Education, Ijebu-Ode, past questions, form and admissions list
Ebonyi State College of Education, Ikwo, past questions, form and admissions list
College of Education, Ikere, past questions, form and admissions list
College of Education, Ilesha, past questions, form and admissions list
College of Education, Ilesha, past questions, form and admissions list
College of Education, Ilorin, past questions, form and admissions list
College of Education, Jalingo, past questions, form and admissions list
Kano State College of Education, Kumbotso, past questions, form and admissions list
College of Education, Benue, past questions, form and admissions list
Kebbi State College of Education, Argungu, past questions, form and admissions list
College of Education, Minna, past questions, form and admissions list
Nwafor Orizu College of Education, Nsugbe, past questions, form and admissions list
College of Education, Oju, past questions, form and admissions list
College of Education, Oro, past questions, form and admissions list
College of Education, Oro, past questions, form and admissions list
Oyo State College of Education, Oyo, past questions, form and admissions list
College of Education, Warri, past questions, form and admissions list
College of Education, Warri, past questions, form and admissions list
FCT College of Education, Zuba, past questions, form and admissions list
Private college of education in Nigeria Past Questions, jamb exam, jamb registration Form And Admissions List
Angel Crown College of Education, Gidan-Daya, past questions, form and admissions list
Elder Oyama Memorial College of Education, Ofat-Adun, past questions, form and admissions list
Assanusiyah College of Education, Odeomu, past questions, form and admissions list
African Thinkers Community of inquiry College of Education, past questions, form and admissions list
Best Legacy College of Education, Ikirun, past questions, form and admissions list
Bauchi Institute for Arabic and Islamic Studies, past questions, form and admissions list
Calvin Foundation College of Education, Naka, past questions, form and admissions list
Harvard Wilson College of Education, Aba, past questions, form and admissions list
Hill College of Education, Akwanga, past questions, form and admissions list
Institute of Ecumenical Education, Enugu, past questions, form and admissions list
College of Education, Foreign Links Campus Moro, past questions, form and admissions list
College of Education, Foreign Links Campus Moro, past questions, form and admissions list
Diamond College of education aba . past questions,jamb news, admission form and list
Muhyideen College of Education, Ilorin, past questions, form and admissions list
ONIT College of Education, Abagana, past questions, form and admissions list
The African Church College of Education, Lagos, past questions, form and admissions list
St. Augustine College of Education, Yaba, past questions, form and admissions list
Yewa Central College of Education, Ogun, past questions, form and admissions list
List of Federal Universities in Nigeria
Abubakar Tafawa Belewa University, past questions, form and admissions list
Ahmadu Bello University, Zaria, past questions, form and admissions list
Bayero University, Kano, past questions, form and admissions list
Federal University, Gashua, past questions, form and admissions list
Federal University of Tech, Akure, past questions, form and admissions list
Federal University of Petroleum Resources, Effurun, past questions, form and admissions list
Federal University of Technology, Minna, past questions, form and admissions list
Federal University of technology, Owerri, past questions, form and admissions list
Federal University Dutse, past questions, form and admissions list
Federal University Dutsin-Ma, past questions, form and admissions list
Federal University, Ndufu-Alike, past questions, form and admissions list
Federal University, Otuoke, past questions, form and admissions list
Federal University, Wukari, past questions, form and admissions list
Federal University, Birnin Kebbi, past questions, form and admissions list
Michael Okpara Univeristy of Agric, Umudike, past questions, form and admissions list
Modibbo Adama University of Tech, Yola, past questions, form and admissions list
National Open University of Nigeria, past questions, form and admissions list
Nigeria Police Academy Wudil, past questions, form and admissions list
Nigeria defense Academy, Kaduna, past questions, form and admissions list
Nnamdi Azikiwe University, Awka, past questions, form and admissions list
Obafemi Awolowo University, Ile-Ife, past questions, form and admissions list
University of Abuja, Gwagwalada, past questions, form and admissions list
University of Agriculture Abeokuta, past questions, form and admissions list
University of Agriculture Markurdi, past questions, form and admissions list
University of Benin, past questions, form and admissions list
University of Calabar, past questions, form and admissions list
University of Lagos, past questions, form and admissions list
University of Maiduguri, past questions, form and admissions list
University of Nigeria Nsukka, past questions, form and admissions list
University of Port-Harcourt, past questions, form and admissions list
University of Uyo, past questions, form and admissions list
Usmanu Danfodiyo University, past questions, form and admissions list
List of State Universities in Nigeria admission list
Abia State University, Uturu, past questions, form and admissions list
Adamawa State University, Mubi, past questions, form and admissions list
Adekunle Ajasin University, Akungba, past questions, form and admissions list
Amrose Alli University, Ikot Akpaden, past questions, form and admissions list
Anambra State University of Sc. & Tech, Uli, past questions, form and admissions list
Anambra State University of Sc. & Tech, Uli, past questions, form and admissions list
Bauchi State Unibversity, Gadau, past questions, form and admissions list
Benue State University Markurdi, past questions, form and admissions list
Bukar Abba Ibrahim University, Damaturu, past questions, form and admissions list
Cross River State University of Sc. & Tech, Calabar, past questions, form and admissions list
Delta State University Abraka, past questions, form and admissions list
Ebonyi State University, Abakaliki, past questions, form and admissions list
Ekiti State University, past questions, form and admissions list
Enugu State University of Sc. & Tech. Enugu, past questions, form and admissions list
Ibrahim Badamasi Babangida University, past questions, form and admissions list
Ignatius Ajuru University of Education, past questions, form and admissions list
Imo state University,Owerri, past questions, form and admissions list
Jigawa State University, past questions, form and admissions list
Kaduna State University, Kaduna past questions, form and admissions list
Kano University of Sc. & Tech, Wudil
Kebbi State University, Kebbi, past questions, form and admissions list
Kogi State University, Anyigba, past questions, form and admissions list
Kwara State University, Ilorin, past questions, form and admissions list
Ladoke Akintola university of Tech, past questions, form and admissions list
Lagos State University Ojo, past questions, form and admissions list
Nasarawa State University, Keffi, past questions, form and admissions list
Niger Delta University, Yenagoe, past questions, form and admissions list
Olabisi Onabanjo University Ago-Iwoye, past questions, form and admissions list
Ondo State University of Sc. & Tech, Okitipupa, past questions, form and admissions list
Osun State University, Oshogbo, past questions, form and admissions list
Plateau State University, Bokkos, past questions, form and admissions list
Rivers State University of Sc. & Tech, past questions, form and admissions list
Tai Solarin University of Education, Ijebu-ode, past questions, form and admissions list
Taraba State University, Jalingo, past questions, form and admissions list
Umaru Musa Yar’Adua University, past questions, form and admissions list
Private Universities
Achievers University, Owo, past questions, form and admissions list
Adeleke University, Ede, past questions, form and admissions list
Afe Babalola University, Ado- Ekiti, past questions, form and admissions list
African University of Sc. & Tech, Abuja, past questions, form and admissions list
Al-hikmah University, Ilorin, past questions, form and admissions list
Ajayi Crowther University, Ibadan, past questions, form and admissions list
Al-Qalam University, Katsina, past questions, form and admissions list
American University of Nigeria, Yola, past questions, form and admissions list
Babcock University, Ilishan, past questions, form and admissions list
Baze University, past questions, form and admissions list
Bells University of Technology, Otta, past questions, form and admissions list
Benson Idahosa University, Benin, past questions, form and admissions list
Bingham University, New Karu, past questions, form and admissions list
Bowen University, Iwo, past questions, form and admissions list
Caleb University, Lagos, past questions, form and admissions list
Caritas University, Enugu, past questions, form and admissions list
CETEP City University, Lagos, past questions, form and admissions list
Covenant University, Ota, past questions, form and admissions list
Crawford University, Igbesa, past questions, form and admissions list
Crescent University, past questions, form and admissions list
Elizade University, Ilara-mokin, past questions, form and admissions list
Fountain University, Oshogbo, past questions, form and admissions list
Gregory University, Uturu, past questions, form and admissions list
Hallmark University, past questions, form and admissions list
Joseph Ayo Babalola University,Ikeji, past questions, form and admissions list
Kwararafa University, Wukari, past questions, form and admissions list
Lead City University, Ibadan, past questions, form and admissions list
Nigerian-Turkish Nile University, Abuja, past questions, form and admissions list
Novena University, Ogume, past questions, form and admissions list
Obong University, Obong Ntak, past questions, form and admissions list
Oduduwa University, Ipetumodu, past questions, form and admissions list
Pan-African University, Lagos, past questions, form and admissions list
Paul University, Awka, past questions, form and admissions list
Redeemer’s University, Mowe, past questions, form and admissions list
Renaissance University, Enugu, past questions, form and admissions list
Salem University, Lokoja, past questions, form and admissions list
Tansian University, Umunya, past questions, form and admissions list
Veritas University, past questions, form and admissions list
Wellspring University, Edo, past questions, form and admissions list
Wesley University of Sc. & Tech, Ondo, past questions, form and admissions list
Western Delta University, Oghara
List of all the Federal Polytechnics in Nigeria
Air Force Institute of Technology Nigerian Air Force, past questions, form and admissions list
Air Force Institute of Technology Nigerian Air Force, past questions, form and admissions list
Akanu Ibiam Federal Polytechnic, Unwana, past questions, form and admissions list
Nigeria Army School of Military Engineering, past questions, form and admissions list
Auchi Polytechnic past questions, form and admissions list
Auchi Polytechnic past questions, form and admissions list
Federal Polytechnic, Ado-Ekiti past questions, form and admissions list
Federal Polytechnic, Ado-Ekiti past questions, form and admissions list
Federal Polytechnic, Bauchi, past questions, form and admissions list
Federal Polytechnic, Bida, past questions, form and admissions list
Federal Polytechnic, Bida, past questions, form and admissions list
Federal Polytechnic, Damaturu, past questions, form and admissions list
Federal Polytechnic, Ede, Osun State, past questions, form and admissions list
Federal Polytechnic, Ede, Osun State, past questions, form and admissions list
Federal Polytechnic, Ida, past questions, form and admissions list
Federal Polytechnic, Ida, past questions, form and admissions list
Federal Polytechnic, Ilaro, past questions, form and admissions list
Federal Polytechnic, Ile-Oluji, Ondo State, past questions, form and admissions list
Federal Polytechnic, Mubi, past questions, form and admissions list
Federal Polytechnic, Namoda, past questions, form and admissions list
Federal Polytechnic, Nassarawa, past questions, form and admissions list
Federal Polytechnic, Nekede, past questions, form and admissions list
Federal Polytechnic, Nekede, past questions, form and admissions list
Federal Polytechnic, Offa, past questions, form and admissions list
Federal Polytechnic, Offa, past questions, form and admissions list
Federal Polytechnic, Oko, past questions, form and admissions list
Federal School of Dental Technology and Therapy, past questions, form and admissions list
Kaduna Polytechnic, Kaduna, past questions, form and admissions list
Hussaini Adamu Federal Polytechnic, past questions, form and admissions list
Nigeria Army School of Military Engineering, past questions, form and admissions list
Federal College of Animal Health and Production Technology, past questions, form and admissions list
Waziri Umaru Federal Polytechnic Birnin Kebbi, past questions, form and admissions list
Yaba College of Tech, past questions, form and admissions list
List of State Polytechnics in Nigeria
Abraham Adesanya Polytechnic, Ijebu-Igbo, past questions, form and admissions list
Abia State Polytechnic, past questions, form and admissions list
Adamawa State Polytechnic, past questions, form and admissions list
Akwa-Ibom State Polytechnic, Ikot-Osurua, past questions, form and admissions list
Benue State Poly, Ugbokolo, past questions, form and admissions list
Gateway Polytechnic, Igbesa, past questions, form and admissions list
Rufus Giwa Polytechnic, past questions, form and admissions list
Rufus Giwa Polytechnic, past questions, form and admissions list
The Polytechnic, Ibadan, past questions, form and admissions list
Institute of Mgt. and Tech, past questions, form and admissions list
Imo State Polytechnic, Umuagwo, past questions, form and admissions list
Kano State Polytechnic, past questions, form and admissions list
Kogi State Polytechnic, Lokoja, past questions, form and admissions list
Kwara State Polytechnic, Ilorin, past questions, form and admissions list
Lagos State Poly, Ikorodu, past questions, form and admissions list
Moshood Abiola Poly, past questions, form and admissions list
Nasarawa State Polytechnic, past questions, form and admissions list
Nuhu Bamalli Polytechnic, past questions, form and admissions list
Delta State Polytechnic, Ogwashi-Uku, past questions, form and admissions list
Osun State Poly, Iree, past questions, form and admissions list
Osun State Poly, Iree, past questions, form and admissions list
Osun State College of Tech, Esa-Oke, past questions, form and admissions list
Delta State Polytechnic, Ozoro, past questions, form and admissions list
Plateau State Polytechnic, Barkin-Ladi, past questions, form and admissions list
Adamawa State Poly, past questions, form and admissions list
Rivers State College of Arts and Science, past questions, form and admissions list
Rivers State College of Arts and Science, past questions, form and admissions list
Rivers State Polytechnic, past questions, form and admissions list
Gateway Polytechnic Saapade, past questions, form and admissions list
Edo State Inst. of Tech and Mgt, Usen, past questions, form and admissions list
Niger State Poly, Zungeru, Niger State, past questions, form and admissions list
List of Private Polytechnics in Nigeria
Allover Central Polytechnic, past questions, form and admissions list
Crown Polytechnics, past questions, form and admissions list
Covenant Polytechnic, past questions, form and admissions list
Dorben Polytechnic, Bwari-Garam Road, past questions, form and admissions list
Fidei Polytechnic, Gboko, past questions, form and admissions list
Grace Polytechnic, past questions, form and admissions list
Grace Polytechnic, past questions, form and admissions list
Igbajo Polytechnic, past questions, form and admissions list
The Polytechnic, Ile-Ife, NITEL Road, past questions, form and admissions list
Lagos City Poly, Ikeja, Lagos State, past questions, form and admissions list
Light House Polytechnic, Eubuobanosa, past questions, form and admissions list
Interlink Polytechnic, past questions, form and admissions list
Kings Polytechnic, Ubiaja, past questions, form and admissions list
RONIK Polytechnic, past questions, form and admissions list
Shaka Polytechnic, Polytechnic, Benin city, past questions, form and admissions list
Temple-Gate Polytechnic, past questions, form and admissions list
Wolex Polytechnic, past questions, form and admissions list
Prime Polytechnic, past questions, form and admissions list
The Polytechnic Imesi-Ile, Osun, past questions, form and admissions list
Heritage Polytechnic, Ikot Udota, past questions, form and admissions list
Ibadan City Polytechnic, past questions, form and admissions list