CHAPTER ONE INTRODUCTION BACKGROUND OF THE STUDY The Nigerian financial institutions have faced difficulties over the years for a multitude of reasons but the major cause of serious banking problems in recent times continues to be directly related to lax credit standards for borrowers and counterparties, poor portfolio risk management or a lack of attention … Read more
CHAPTER ONE INTRODUCTION BACKGROUND STATEMENT Lending is one of the main functions of the Banks. Banks extend credits to their customers in the form of loans, overdraft and advances. The sum of these credits forms the debt or credit portfolios of the financial institutions. Debts are presented as liabilities to the customers as … Read more
CHAPTER ONE INTRODUCTION 1.1 BACKGROUND OF THE STUDY It is apparent that modern Nigeria cannot exist without the financial service industry. In the recent past, this study has experienced tremendous growth and undergone great changes. In the country, varying forms of deregulation, competition, more demanding customers and drive to exceed customer’s expectation have created an … Read more
CHAPTER ONE INTRODUCTION BACKGROUND OF STUDY Knowledge is increasingly being recognized as the new strategic imperative of organizations. The most established paradigm is that knowledge is power. Therefore, one has to hoard it, keep it to oneself to maintain an advantage. The common attitude of most people is to hold on to one’s knowledge … Read more
CHAPTER ONE INTRODUCTION BACKGROUND OF THE STUDY Human resources are easily recognized as the most important resources required for the production of goods and services, as well as the key to rapid socio-economic development and efficient service delivery. According to (Barney, 1995:50), human resources include all the experience, skills, judgments, abilities, knowledge, contacts, risk taking … Read more