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Artigos de revistas sobre o assunto "Bank loans – Nigeria"
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Tomi, Saliu Hakeem, Idih Ogwu Emmanual e Adewole Joseph Adeyinka. "Implications of Non-Performing Loans on the Nigerian Deposit Money Banks". Asian Finance & Banking Review 4, n.º 1 (2 de maio de 2020): 17–23. http://dx.doi.org/10.46281/asfbr.v4i1.556.
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The study examined the arguments and counterarguments within the scientific discussion on the implications of non-performing loans on the Nigerian deposit money banks. The main objective is to examine the effect of Non-Performing loan on the Performance of Deposit Money Banks in Nigeria. Data were sourced from Central Bank of Nigeria Statistical Bulletin. A systematization literary approach for data analysis was Auto Regression distribution lag (ARDL) bound tests. Findings revealed that there exist a long run significant relationship between Non performing loan and the Performance of Deposit Money Banks in Nigeria. It was revealed that persistence increase in Non-performing loans results in poor Performance of Deposit Money Banks in Nigeria. It was also discovered that Non Performing Loan reduces deposit money banks return on asset. The study therefore recommends that deposit money banks should employ competent risk managers that always use their skills to reduce the incident of non-performing loans in the Nigerian deposit money banks. The study also recommends that deposit money banks in Nigeria should always monitor the end-use of funds given to their customers in order to curb the incident of fund diversion which may result in non-performing loan.
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Gololo, Ibrahim Aliyu. "An Evaluation of the Role of Commercial Banks in Financing Small and Medium Scale Enterprises (SMEs): Evidence from Nigeria". Indian Journal of Finance and Banking 1, n.º 1 (20 de julho de 2017): 16–32. http://dx.doi.org/10.46281/ijfb.v1i1.82.
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In this study an attempt was made to evaluate the role of commercial banks in financing small and medium scale enterprises in Nigeria. There is absolutely no doubt that small and medium scale enterprises play a pivotal role and contributes tremendously to the economic growth and development of many developing economy including Nigeria, but survival of Small and medium scale enterprises is often hampered by access to finance which key players were making attempt to solve. The objective of this study is to evaluate the extent to which commercial banks in Nigeria play their role in solving financing needs of small and medium scale enterprises. The study employed secondary data which use the ratio of loans to Small and Medium Scale Enterprises by commercial banks as a percentage of their total credit for the period between 1991-2012.The study utilize paired sample t-test and significance of ratio of loans to Small and Medium Scale Enterprises was tested to access the performance of Small and Medium Scale Enterprises Equity Investment Scheme by banks to provide finance to Small and Medium Scale Enterprises. The result shows that commercial banks loans even with the equity scheme introduction do not make significance positive impact on loan disbursement to finance SMEs. It is recommended that Nigerian commercial banks should embrace risk-averse behavior in respect of loans to SMEs, interest rate should be review for SMEs loans by Central bank of Nigeria and increase SMEEIS contribution by commercial banks. Specialized bank should be established by government to finance SMEs; it should also provide adequate infrastructural facilities in the country and address present security challenges so as to make Nigeria conducive for SMEs to operate.
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Oyebowale, Adeola Y. "Determinants of Bank Lending in Nigeria". Global Journal of Emerging Market Economies 12, n.º 3 (setembro de 2020): 378–98. http://dx.doi.org/10.1177/0974910120961573.
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The willingness of commercial banks to provide loans is determined by various factors. In this regard, this paper provides empirical evidence on determinants of bank lending in Nigeria. The parsimonious model of this study investigates the impact of growth in loan-to-deposit ratio, growth in inflation, growth in broad money, and growth in bank capital on growth in bank lending using annual data from 1961 to 2016. This study adopts the autoregressive distributed lag (ARDL) bounds testing approach and Granger causality tests to investigate the relationship and direction of causality among the variables, respectively. The Granger causality tests show that growth in broad money Granger-causes growth in bank lending, while there is no causality from other explanatory variables to bank lending in Nigeria. Also, this study shows that growth in bank lending Granger-causes growth in loan-to-deposit ratio and growth in inflation in Nigeria. Thus, this paper argues that commercial banks in Nigeria exhibit stern concern for their liquidity and capital adequacy positions while acting as financial intermediaries. Additionally, this paper argues that the Central Bank of Nigeria (CBN) possesses “paper-based” independence.
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Waleru, Akani, Henry, e Oparaordu, Beauty. "Determinants of Commercial Banks Credit to the Domestic Economy in Nigeria: Examinations of Dynamics Principles". Indian Journal of Finance and Banking 2, n.º 2 (8 de agosto de 2018): 26–41. http://dx.doi.org/10.46281/ijfb.v2i2.96.
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This study examined determinants of commercial banks credit to the domestic economy in Nigeria. The objective was to examine the extent to which banks variables, macroeconomic and monetary policy variables affects credit allocation of Nigerian Commercial Banks. Time series data was sourced from Central Bank of Nigeria Statistical bulletin and financial statement of commercial banks. Percentage of total commercial banks loans to gross domestic product was proxy for dependent variable while the banks specific variables are peroxide by operational efficiency, liquidity, number of commercial banks branches, Commercial Banks Deposit Liabilities and deposit rate. The independent variables in macroeconomic model comprises of real gross domestic product, public expenditure, openness of the economy, inflation rate and exchange rate while monetary policy variables comprises of treasury bills rate, real interest rate, monetary policy rate, growth of money supply and financial sector development. The study employed ordinary least square properties of augmented Dickey Fuller test, co-integration test, and granger causality test and vector error correction model. Findings from the study revealed that; banks specific variables shows that deposit liabilities and liquidity ratio have positive impact on total loans and advances while deposit rate, number of commercial banks branches and openness of the economy have negative impact. Model II found that; exchange rate, inflation rate and Real Gross Domestic Product have positive impact while public expenditure and openness of the economy have negative impact on total commercial bank loans and advances. Model III found that; financial sector development and monetary policy rate have negative impact while growth of money supply, real interest rate and Treasury bills rate have positive impact on total loans and advances of commercial banks. We conclude that monetary policy, bank specific variables or internal variables and macroeconomic variables are strong determinants of Nigerian commercial banks loans and advances. We therefore, recommend for the interplay and the strengthening of macroeconomic variables, monetary policy variables and banks specific variables (internal policies) in order to enhance commercial banks credit in Nigeria.
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Grace Oyeyemi Ogundajo, Adegbemi Babatunde Onakoya, Enyi Patrick Enyi e Tunji T. Siyanbola. "Financial Institutions’ Inter Mediation and Economic Development in Nigeria". Journal of Accounting and Finance in Emerging Economies 5, n.º 1 (30 de junho de 2019): 33–46. http://dx.doi.org/10.26710/jafee.v5i1.723.
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This paper examines the effect of intermediation capacity of the financial institutions on the Nigerian economic development (Real Gross Domestic Product (RGDP). It is a causal-effect relationship study which made use of macro data obtained from Central Bank of Nigeria (CBN) Statistical Bulletin from the period 1981-2016. The result of the Johansen co-integration test and ARDL bound test evidenced that there exist a long-run relationship between financial institutions’ activities and real GDP. ARDL regression model showed financial institution activities, particularly the loans to the private sector significantly impacted on economic growth both in the short-run and long-run The study also found that bank loans and advances, bank reserves and interest rate had insignificant negative impact on real GDP while credit to private sector significantly affected economic development of Nigeria (RGDP) Thus, economic development of Nigeria is driven by the performance of deposit money banks and concludes that the performance of deposit money banks has effect on the economic development of Nigeria. The study recommended that the banking sector should increase lending to the private sector in order to engender economic growth through the enhancement of entrepreneurial development.
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Agwu, Ejem, Chukwu, e Ogbonna, Udochukwu Godfrey. "Response of Deposit Money Banks to Monetary Policy Dynamics in Nigeria". Applied Economics and Finance 7, n.º 4 (8 de maio de 2020): 33. http://dx.doi.org/10.11114/aef.v7i4.4847.
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This study examined how banks react to the monetary policies transmission mechanisms of the central bank of Nigeria. The data employed were collected from Nigerian Deposit Insurance Cooperation and Central Bank of Nigeria and subjected to various finametric techniques. The major findings are that cash reserve ratio negatively and significantly affects the performance of deposit money banks in Nigeria, while other monetary policy variables exert insignificantly to the performance of deposit money banks. It was also found that apart from banks own shock; banks respond negatively to shocks from major monetary policy instruments. It was observed that Monetary Policy Rate causes bank performance in both in the short run and long run. While, Cash Reserve Ratio, Liquidity Ratio and Saving Deposit Rate do not cause bank performance in the short run but in the long run. It was also found that monetary policy instruments jointly cause bank performance in the short and long run as opposed by individual instruments in Nigeria. The researchers therefore suggest among others that central bank of Nigeria reduce the cash reserve ratio to enable deposit money banks extend more loans to their potential customers, thereby enhance performance.
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Adewole, J. A., F. D. Dare e J. K. Ogunyemi. "Implications of Financial Intermediation on The Performance of Commercial Banks in Nigeria: 2000-2017". Financial Markets, Institutions and Risks 3, n.º 4 (2019): 94–105. http://dx.doi.org/10.21272/fmir.3(4).94-105.2019.
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The paper examined the arguments and counterarguments within the scientific discussion on Financial Intermediation and the performance of Commercial banks in Nigeria. Despite a series of reforms and restructuring aimed at enhancing the bank’s ability to provide services effectively, establish branch networks and finance the real sector, there is still insufficient domestic credit to commercial real-estate banks, affecting the success of financial intermediation in the Nigerian commercial banking sector. The main purpose of this study is to examine the impact of financial intermediation on the performance of commercial banks in Nigeria. The data came from a statistical bulletin of the Central Bank of Nigeria. A systematic literary approach to data analysis is regression analysis. In Equation 1, it was found that there is a significant relationship between total lending and the commercial bank lending rate in Nigeria. In Equation 2, it was found that there is a significant relationship between the overall credit ratio and the cash reserve in the commercial banks of Nigeria. In the commercial bank performance equation, it was found that there is a significant relationship between the total assets and the capital involved by commercial banks in Nigeria. In the commercial bank performance equation, it was found that there was no significant relationship between the loan and deposit ratio and the liquidity ratio in the commercial banks of Nigeria. It has also been found in Commercial Banking Performance Equation 5 that there is a significant relationship between gross domestic product and total credit in the commercial banks of Nigeria. Thus, the study authors recommend reducing the commercial bank loan rate so that investors see commercial banks as the number one source of funding, the Central Bank of Nigeria should increase the commercial banks’ minimum reserve in order to facilitate adequate lending to commercial customers by clients/investors. Commercial banks need to make effective use of the capital used to increase profitability. Commercial banks should help increase liquidity to increase their ability to cover customer withdrawals and increase loans and advances to customers. Commercial banks should allocate proper credit to the real sector for productive purposes in order to increase gross domestic product. Keywords: Financial Intermediation, Commercial Banks, Gross Domestic Product, Commercial Bank Credit.
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Yusuff, Mulkat Ajibola, e Fatimah Olabisi Olaniran-Akinyele. "Financial Deepening And Financial Performance Of Deposit Money Banks In Nigeria". Advances in Social Sciences Research Journal 6, n.º 11 (17 de novembro de 2019): 179–91. http://dx.doi.org/10.14738/assrj.611.7351.
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This study examines the effect of financial deepening on financial performance of Nigerian Deposit Money Banks using time-series data spanning 1990Q1-2017Q4. The financial performance is expressed by return on assets (ROA) and return on equity (ROE) with total bank liability, private sector credit and market capitalization as measure of financial deepening. The technique of analysis deployed is autoregressive distributed lag (ARDL) to co integration. The findings show that the effect of total bank liability is positive and significant. Market capitalization and private sector credit on the other hand exert negative and significant effect. The study concludes that financial deepening affect financial performance of Deposit Money Banks in Nigeria. It then recommends effective loan recovery strategy to mitigate the negative influence of private sector credit due to non-performing loans.
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Gabriel, Okoh, Inim Ekemini Victor e Idachaba Odekina Innocent. "Effect of Non-Performing Loans on the Financial Performance of Commercial Banks in Nigeria". American International Journal of Business and Management Studies 1, n.º 2 (31 de maio de 2019): 1–9. http://dx.doi.org/10.46545/aijbms.v1i2.82.
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The study examined the effect of Non-Performing Loans on the financial performance of commercial banks in Nigeria between the periods of 1985 to 2016. The study employed the multiple regression techniques to analyze data collated from the Central Bank of Nigeria (CBN) statistical bulletin and Nigeria Deposit Insurance Corporation (NDIC) publications for various years. The result of the study shows that Non-Performing Loans to Total Loans ratio (NPL/TLR) and Cash Reserve Ratio (CRR) had statistically negative significant effect on Return on Asset (ROA). These result shows that a high level of non-performing loans would reduce the financial performance of commercial banks in Nigeria. Consequently, the study recommends that the regulatory authorities in Nigeria should create and support an environment where commercial banks in Nigeria can have a strong risk management practices.
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Omankhanlen, Alex Ehimare. "The Effect of Monetary Policy on the Nigerian Deposit Money Bank System". International Journal of Sustainable Economies Management 3, n.º 1 (janeiro de 2014): 39–52. http://dx.doi.org/10.4018/ijsem.2014010104.
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This study investigates the effect of monetary policy on the Nigerian Deposit Money Bank (DMB) System. The Nigerian banking system is currently under-going a series of reforms in order to enhance its competitiveness and efficiency. The Ordinary Least Square (OLS) method is used to examine the effect of monetary policy on the Nigerian Deposit Money Bank System, using such variables as total loans and advances (TLA) as dependent variable and liquidity ratio (LR),cash reserve ratio (CRR), monetary policy rate (MPR), and average exchange rate (AER) as independent variables. The result of the findings shows that monetary policy rate reveal the most significant effect on commercial banks loans and advances during the period under study. The study thus recommends, among others, that the regulatory authority Central Bank of Nigeria should create credit procedures, policies and analytical capabilities which should be entrenched in the credit management of DMB's operations.
Teses / dissertações sobre o assunto "Bank loans – Nigeria"
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Apiri, Tonye Richard. "Loan performance and default rate of financing SME's by microfinance bank: a case study of Accoin Microfinance Bank PLC". Thesis, Stellenbosch : Stellenbosch University, 2013. http://hdl.handle.net/10019.1/95646.
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Thesis (MDF)--Stellenbosch University, 2013.This study examines the default rate and performance of Microfinance bank (MFBs) loans to Small and Medium Enterprises (SMEs) in Nigeria based on the case study of Accion Microfinance Bank Limited (AMFB), Lagos State. Responses from 150 employees of AMFB revealed that the causes of default rate and performance of SMEs reflect the risk and vulnerability of the SME sector in Nigeria. It further showed that MFBs apply stringent credit criteria in granting loans to SME borrowers, coupled with the existing high cost of funds. The attitude, lack of transparency on the part of SME owners and fund diversion were identified as major factors responsible for the high default rate among SME borrowers. These and other factors warrant the need for further study in the areas of the impact of MFB loans on SME development given the new revised microfinance policy framework in Nigeria.
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Emenike, Obioma. "Business loan default in Nigerian commercial banks : from causes to remedies". Thesis, Stellenbosch : Stellenbosch University, 2011. http://hdl.handle.net/10019.1/97167.
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Thesis (MDF)--Stellenbosch University, 2011.ENGLISH ABSTRACT: A sound and favourable financial climate is necessary for any forward-looking economy to thrive. This, amongst others, includes the extent to which the commercial banks are able to discharge their intermediating role in the demand and supply of credit necessary to sustain commercial businesses. Indeed, in the last decade, the Nigerian banking industry has witnessed swings with the attendant effects on the business community. One of the downsides has been the incidence of loan default which led to many banks recording astronomical levels of bad loans in their 2008 financial reports. The drastic measures taken by the Central Bank of Nigeria of relieving eight CEOs of their jobs in September 2009 further highlights the import of this subject matter. This paper gives an overview of the concept of loan default in Nigerian commercial banks ranging from the causes to the remedies currently in place to checkmate it. A field survey on loan officers, credit analysts and credit risk managers in some select banks was carried out. The findings reveal that the banks have a rather cautious approach to lending with certain classes of loans classified. Causal factors leading to loan delinquencies categorised into environmental, bank specific and borrower specific factors were analysed to have contributed equally to causing loan default in Nigeria. Lastly, the regression results indicated that there was a significant relationship between measures adopted by the banks in the face of increa
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Ekpu, Victor Uche. "The microstructure of bank lending to SMEs : evidence from a survey of loan officers in Nigerian banks". Thesis, University of Glasgow, 2015. http://theses.gla.ac.uk/6811/.
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The opacity and riskiness of small and medium sized enterprises (SMEs) make them an interesting area for the study of banks’ lending practices and procedures. SMEs in Nigeria, like in many low and middle-income economies, face financing difficulties because they are relatively young, inexperienced and informationally opaque. Since the consolidation of the Nigerian banking industry in 2006, the share of commercial bank loans to SMEs has declined markedly despite the fact that Nigerian banks are well capitalized and are among the largest players in Sub-Saharan Africa. The researcher conducted a questionnaire survey to investigate the microstructure of SME lending decisions, policies and practices in Nigerian banks. Using a sample of 121 Nigerian bank lending officers, this study specifically investigates three research questions: (1) the demand and supply side constraints to bank involvement with SMEs (2) the determinants of loan contract terms (i.e. risk premium and collateralisation), and (3) the economic value to banks from investing in customer relationships. Results from analysis of survey responses reveal that the high incidence of loan diversion, weak management capacity and the inability of SMEs to service debts are chief contributory factors to the riskiness of SME loans in Nigeria. On the supply side, the high transaction costs associated with processing and monitoring small loans impact negatively on lending profitability. There are also constraints posed by regulation and the business environment. Most notably, the recent rise in yield on competing assets, such as government treasury bills, has led to the crowding out of private sector lending as Nigerian banks hold a sizeable proportion of their assets in relatively safer government securities, which tends to lower their appetite for lending to SMEs. The risk profile of the SME sector is further enhanced by poor information economics, infrastructural deficiencies, the inefficient credit referencing on business loans as well as the inability to enforce loans contracts due to legal and judicial constraints. The econometric results show that the determinants of risk premium on SME loans are largely connected with factors that underline the opacity and riskiness of SMEs in Nigeria. Customers with longer relationships with their bank tend to benefit from lower interest rates. What determines the likelihood of requesting collateral from SMEs varies significantly from bank to bank and is likely to be connected to the lenders’ specialization as well as differences in the business model and lending technologies used. Loan size, borrowing firm’s age and credit rating also determine the amount of collateral pledged. There is also evidence to suggest that the predominantly centralised lending strategy in Nigerian banks impacts negatively on the accumulation of soft information by loan officers, implying that not all information collected by the loan officers is utilised in taking lending decisions. However, the proprietary information (or knowledge) loan officers gather through frequent communication and interaction with their customers is likely to yield some potential benefits for Nigerian banks. The most dominant is the high probability that customer satisfaction from bank relationships will generate repeat business for the banks.
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Ogunleye, Toyin S. "Sustainability and Outreach: Analysis of Microfinance Banks in Nigeria". Thesis, University of Bradford, 2015. http://hdl.handle.net/10454/15206.
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The thesis empirically examined the implications of microfinance scaling up or sustainability on outreach in Nigeria. Basically, two methodologies were used namely, panel data econometric and survey methods. The panel dataset of 752 microfinance banks in Nigeria was used during the period 2011-2014, while the survey was conducted on some selected microfinance banks in Federal Capital Territory, Abuja in 2014. The findings from the thesis showed that, at the national level, yield, labour cost, orientation, efficiency, gender and size of loans are the major drivers of microfinance banks‟ sustainability in Nigeria. While at the state level, microfinance banks sustainability is driven by orientation and loan size. Findings also showed that sustainable MFBs tend to be more focused on the poor clients. The thesis showed that lending to female clients improves repayment rate of MFBs in Nigeria. Corroborating the regression result, the survey findings also suggest that lending to women had improved and enhanced repayment rate. In view of these findings, the thesis recommends that sustainability and outreach are not necessarily incompatible. However in pursuing sustainability greater attention should be on female clients, as greater lending to women would improve the repayment rate of MFBs and further engendered the industry sustainability.
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Sule, Friday Eneojo. "Effects of credit risk and portfolio loan management on profitability of microfinance banks in Lagos, Nigeria". Thesis, Stellenbosch : Stellenbosch University, 2012. http://hdl.handle.net/10019.1/97163.
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Thesis (MDF)--Stellenbosch University, 2012.The study was carried out to find out the effect of credit risk and portfolio loan management on profitability of microfinance Banks (MFBs) in Lagos, Nigeria. To achieve the objective of the study, an econometric model was developed. A sample size of 14 microfinance banks was randomly selected, comprising four national, five state and five unit microfinance banks respectively. Five year annual financial statements of these 14 selected microfinance banks were obtained for this analysis using panel data that produce 70 observations for the period 2006 to 2010 The result reveals that the current value of all independent variables follow an expected relationship with the profitability of microfinance banks. That is, the net interest margin, asset mix proxied by ratio of loan to total asset, and ratio of equity to total assets have a positive relationship with the profitability of microfinance banks (MFBs) in Lagos state, Nigeria. Asset quality (ratio of non-performing loan to total loan) and the interest earnings to total assets ratio have a negative relationship with profitability of microfinance banks. However, the result reveals that of the five immediate past value of these independent variables, only net interest margin and interest earnings to total assets ratio maintained expected relationship with the performance (profitability) of microfinance banks. From the hypothesis test, it was found that credit risk management has a significant effect on the profitability of microfinance banks in Lagos state, Nigeria The study is set against the background and realisation that many MFBs in Lagos seem to continue to seek growth and profit without much attention to addressing credit risk issues – a necessity for their survival on a sustainable basis. The results indicated that the credit evaluation process was positively and significantly related to the quality of the loan portfolio in MFBs. The study also found out that internal rather than external to the MFB’s are more likely to provide the main explanation for MFBs’ profitability. To enhance their profitability, loan products which seem to have various defects which make loans even more risky need to be reviewed. The defects include: long loan processing procedures, absence of training to clients on proper utilisation of loans, lack of mechanisms to assess the suitability and viability of the business proposal for which loans were applied, inappropriate mechanism for assessing character for loan applicants, absence of moratorium periods between taking of a loan and repayment of a first instalment as clients were requested to repay their first instalment within the first month. The study recommended that MFBs should have a broad outlook in its credit risk and portfolio management strategy and this calls for radical reforms within the MFB’s operations and policies as well as more aggressive approaches most especially before availing credit and in its loan recovery as it had a direct impact on profitability.
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Adamu, Aliyu. "Winners and Losers: Between Bank Loan and Small Medium Enterprises Equity Investment Scheme (SMEEIS) as Funding Sources for Northern Nigerian SMEs". Master's thesis, Faculty of Commerce, 2019. http://hdl.handle.net/11427/30353.
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The performance of the Small and Medium Enterprises in Northern Nigeria have been characterized as suboptimal, due to the myriad of challenges bedevilling the sector, notable among which is the financial constraint. The creation of Small Medium Enterprise Equity Investment Scheme (SMEEIS) was necessitated by the desire of the private sector to complement government’s effort of supporting the Small and Medium Enterprises subsector. What is more, it was also intended to ease the burdensome regulatory restrictions and conditionality for SMEs’ access to formal credit from the conventional Banks in Nigeria, and, furthermore, venturing into the potentially untapped revenue base of the sub-sector, which promises opportunities for the conventional banks. This study assesses the comparative financial and non-financial performance between SMEEIS-intervened SMEs, and SMEs financed by the conventional bank loans, and also determines the factors responsible. From a sample of 362 SMEs using sample t-tests and multiple linear regression analysis the result obtained revealed that the SMEs financed by conventional banks significantly outperformed their SMEEIS beneficiary counterparts in both financial as well as non-financial performance. The study established and revealed a significant positive relationship between capital structures, years of operation, knowledge of the program, financial literacy, and ownership structure preference with financial and non-financial performance. Therefore, the study concluded that capital structure, ownership structure, financial literacy, applicable interest rate, and years of operation are key determinants of the SMEs performance of the Northern Nigerian SMEs. Hence the need for the conventional banks and policy makers to assist the SMEs to build capacity in the identified areas, towards the sustainability of the existing and future intervention initiatives with similar objectives.
Livros sobre o assunto "Bank loans – Nigeria"
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Federal Mortgage Bank of Nigeria. Delivering affordable housing & mortgage financing in Nigeria: The role, achievements, challenges & strategies of FMBN : presentation to the National Economic Council (NEC) on the role, strategies and achievements of the Federal Mortgage Bank of Nigeria (FMBN). Abuja [Nigeria]: Federal Mortgage Bank of Nigeria, 2012.
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Ajakaiye, David Olusanya Ishola. Short-run macroeconomic effects of bank lending rates in Nigeria, 1987-91: A computable general equilibrium analysis. Nairobi: African Economic Research Consortium, 1995.
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Akinnola, Yomi. Nigerian banks: Practical guide on bank borrowings. Lagos: Falyom Associates, 1987.
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Fajingbesi, Adeyemi A. Nigeria's commercial banks' loan market: An analysis of structure, conduct, and performance (1970-1995). Ibadan, Nigeria: National Centre for Economic Management and Administration, 1998.
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The Basel 2 accord implementation: Challenges facing Nigerian banks. Dugbe, Ibadan, Oyo State, Nigeria: Foly Foly, 2008.
Encontre o texto completo da fonteCapítulos de livros sobre o assunto "Bank loans – Nigeria"
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Ajayi, Ibi. "Commercial Banks' Loans and Advances: A Decompositional Analysis of Structural Changes". In The Foundations of Nigeria's Financial Infrastructure, 97–102. London: Routledge, 2021. http://dx.doi.org/10.4324/9781003227915-8.
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Ayopo, Babajide Abiola, Lawal Adedoyin Isola, Taiwo Joseph Niyan e Akinjare Victoria Bosede. "Microfinance and Entrepreneurship in Nigeria". In Microfinance and Its Impact on Entrepreneurial Development, Sustainability, and Inclusive Growth, 65–84. IGI Global, 2018. http://dx.doi.org/10.4018/978-1-5225-5213-0.ch004.
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Microfinance banks were established to provide diversified, affordable, and dependable financial services to the active poor that would enable them to undertake and develop long-term, sustainable entrepreneurial activities to create employment opportunities, increase their productivity, and thereby increase household's income and standard of living. This chapter employed ordinary least square and vector error correction estimation techniques to establish the contribution and long-run relationship of microfinance to entrepreneurship development in Nigeria for the period 1992-2015. The result shows that a positive significant relationship exists between microfinance gross loan portfolio, total deposit liability, and entrepreneurship proxied by number of newly registered business, while a negative significant relationship exists between microfinance bank asset and entrepreneurship. This therefore suggests that availability of loanable funds for micro and small-scale enterprises provided significant support for entrepreneurship development in Nigeria. The result also shows that a long-run relationship exists between microfinance variables and entrepreneurship in Nigeria. The study therefore recommends that microfinance banks should improve on the quality of their asset by reducing non-performing loans.
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Ukwueze, Ezebuilo R., Henry T. Asogwa e Augustine C. Odoh. "The Effect of Microfinance on Inequality and Household Shocks Easing in Nigeria". In Advances in Finance, Accounting, and Economics, 323–40. IGI Global, 2019. http://dx.doi.org/10.4018/978-1-5225-5240-6.ch016.
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The chapter aims at finding the microfinance effect on households' shocks easing of Nigerians, and estimating the inequality in the use of MFIs' services under the backdrop that rural farmers do not have access to credits to boost productivity and this affects their income and widens inequality. Based upon the World Bank microdata on financial inclusion survey for 2014 (the Global Fundex survey data set), the study employed the Heckman selection model and concentration index. The results show that households in urban areas have more access to MFIs services than rural households in terms of mobile money accounts, emergency funds, and receiving remittances to smooth their consumption shocks. The results also show wide disparities in deprivation of owning accounts, in loans for apartment, in trend of saving habits, in capacity to participate in MFIs services between the rich and the poor. The study, therefore, recommends that more MFIs can be established in rural areas and more awareness campaign be carried to reach out to the targeted households.
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Ater, Peter I., e Benjamin C. Asogwa. "Evaluating the Banking Sector Recapitalization for Economic Growth in Nigeria". In Global Strategies in Banking and Finance, 349–57. IGI Global, 2014. http://dx.doi.org/10.4018/978-1-4666-4635-3.ch022.
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The purpose of this chapter is to assess the contribution of the banking sector’s recapitalization to economic growth. Secondary data of all banks in Nigeria for 1980-2006 from Central Bank of Nigeria were used for the study. The findings of the study revealed higher mean GDP (N86.229 trillion) at post-recapitalization era compared to pre-recapitalization era (N56.860 trillion). Furthermore, 37% and 25% growth in GDP were recorded at post- and pre-recapitalization era, respectively. Selected indicators (bank credit, asset, saving deposit, and total loan) were all higher in the post recapitalization era. The result of t-test showed that there was a significant difference in GDP at pre and post recapitalization era at 5% significance level holding inflation constant. Bank asset had significant effect on GDP in the post-recapitalization era. Bank performance indicators could not fully account for growth and development in Nigeria’s economy though growth was recorded. Under subsequent initiatives, bank asset and total loan increased massively, while bank credit and saving deposits were stepped up via credit and savings incentives provisions for greater impact on growth in Nigeria.
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Adewusi, Adedeji Oluwaseun. "SME Micro-Financing and Business Growth in Rural Nigeria". In Practice, Progress, and Proficiency in Sustainability, 41–55. IGI Global, 2019. http://dx.doi.org/10.4018/978-1-5225-7158-2.ch003.
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Despite the critical nature of SMEs to the prosperity of less developed countries, evidence has shown that small businesses in Nigeria have not made a significant contribution to the nation's economic growth and development due to finance-related issues. This chapter, identifies the social determinants of microfinance loan accessibility; examines SME owner satisfaction with existing microfinance institutions loan requirements; investigates the relationship between microfinance and perceived business growth; and documents the challenges facing rural SME owners in accessing business loans in microfinance banks. By adopting non-probability sampling techniques, 262 identical questionnaires and 21 in-depth interviews were used to compile data from the study subjects. The data was quantitatively and qualitatively analyzed. The findings of this chapter informs the reader about the direction for further research into interventionist programmes for SMEs in Nigeria.