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CHAPETR ONE

INTRODUCTION 

1.1        Background of the study

1.2        Statement of problem

1.3        Objective of the study

1.4        Research Hypotheses

1.5        Significance of the study

1.6        Scope and limitation of the study

1.7       Definition of terms

1.8       Organization of the study

CHAPETR TWO

2.0   LITERATURE REVIEW

CHAPETR THREE

3.0        Research methodology

3.1    sources of data collection

3.3        Population of the study

3.4        Sampling and sampling distribution

3.5        Validation of research instrument

3.6        Method of data analysis

CHAPTER FOUR

DATA PRESENTATION AND ANALYSIS AND INTERPRETATION

4.1 Introductions

4.2 Data analysis

CHAPTER FIVE

5.1 Introduction

5.2 Summary

5.3 Conclusion

5.4 Recommendation

Appendix

 

Abstract

This study is on banking failures in Nigeria: causes, implications and remedies. The total population for the study is 200 staff of standard trust bank, Enugu. The researcher used questionnaires as the instrument for the data collection. Descriptive Survey research design was adopted for this study. A total of 133 respondents made national production human resource managers, accountants, customer care officers and junior officers were used for the study. The data collected were presented in tables and analyzed using simple percentages and frequencies

 

 

 

 

 

 

 

 

 CHAPTER ONE

INTRODUCTION

  • Background of the study

Banks are generally recognized and accepted to be a body that plays a catalytic role in the process of economic growth and development. In any society, they are they brain of economic stimulation and growth. When there is bank failure in any economy, such economy is terribly affected.  Bank is the holders of the bulk of the nation’s monetary supply. This is becoming increasingly so as the public awareness of the services of banks increase and as the physical presence of banks rises throughout the country. Because of the supply of money and credit needs, banks no doubt occupy of any country.  According to Alashi S.O (1991). Empirical evidence exists which suggest a positive correlation between real economic growth and bank assets, and between money supply, bank assets and economic development.  Banks failure and associated run on banks limit the ability of banks to create. Money, jeopardize the payment mechanisms and disrupt bank-lending activities (Nyong 1995).

 

1.2 STATEMENT OF THE PROBLEM

Every country attempts how to maintain a healthy financial system because of its impotence in economic growth and development of the bank failure in the society. There is bound to be a serious problem in that society. From the beginning of banking in Nigeria there have been serious crisis of bank failure in the industry. This no doubt constitutes a set bank in our quest for economic growth and development. Such a situation should not be allowed to continue. To this effect there is need to investigate the causes of bank failure as the logical step towards formulating realistic policy to arrest the trend.

1.3 OBJECTIVE OF THE STUDY

The purpose of this study is to focus attention on the problem of bank failure in Nigeria which is threatening to hamper the resumption of sustain economic growth and development of the Nigeria economy. To this effect the major objective of this study is to:

1-      Identify the causes of bank failures in Nigeria

2-      Formulate a model to identify failed banks

3-      Provide policy suggestion to minimize the occurrence of bank failure in the country.

4- To ascertain the implications of banking failure in the country

1.4 RESEARCH HYPOTHESES

For the successful completion of the study, the following research hypotheses were formulated by the researcher;

H0:   there are no causes of bank failures in Nigeria

H1:  there are causes of bank failures in Nigeria

H02: there are no implications of banking failure in the country

H2: there are implications of banking failure in the country

1.5 SIGNIFICANCE OF THE STUDY

The significance of this study is to achieve a great success in contributing the little the research can, if not a great deal in solving the bank failure problem in Nigeria which will in turn being about an immense change in the Nigeria banking sector with particular reference to standard trust bank Enugu.  It is as well hope that this research work will definitely enlightening the staff and management of banks especially standard trust bank Enugu. In addition it will bring about more profitably contributions and improvement to every order banks nationwide to know their problem and locations, furthermore, this study will serve as means to tackle most of the inherent problems effective again it will help the society of large in the evens or to be as a favorably side of the failure syndrome on Nigeria banks is eradicated completely. Finally though the researchers restricted the study to Enugu state and standard trust bank the result of findings will be of means benefit to all banks in Nigeria as well as students conducting similar research on the same topic or related one.

1.6 SCOPE AND LIMITATION OF THE STUDY

The scope of the study covers banking failures in Nigeria: causes, implications and remedies. The researcher encounters some constrain which limited the scope of the study;

  1. a) AVAILABILITY OF RESEARCH MATERIAL: The research material available to the researcher is insufficient, thereby limiting the study
  2. b) TIME: The time frame allocated to the study does not enhance wider coverage as the researcher has to combine other academic activities and examinations with the study.
  3. c) Organizational privacy: Limited Access to the selected auditing firm makes it difficult to get all the necessary and required information concerning the activities

 1.7 DEFINITION OF TERMS

BANK FAILURES:

According to Eugene and Louse (1985) they are five different types of failures these are, economic failure, business failure, ;technical failure or insolvency, in bankruptcy and legal bankruptcy. The world failure according ozogn(1984)  means to be  unsuccessful  l in attempt ;at achieving any set objectives or aspiration it could be also mean the inability, refusal, forth or weakness which prevent achievement of any set objectives or aspiration. Within the conduct of this write up therefore, one could explain bank failure at the aim ability to the bank to meet up with its obligation to its customers. Owners and economy as a whole should be noted so as to not to be identified with failing banks.

ECONOMIC GROWTH:

Economic growth means the increase in quality of goods and services that equally increases and national income. Growth does not consider or involved overall change in the structure of the society. It is worthy  of note that economy may be growing yet but not maturing (developing)

 

 

ECONOMY DEVELOPMENT:

Economy development means sustained changes in an economic leading to cumulative increase in real income per capital, increase in supply of improve factors of production, improvement in allocation of factors such that every factors is used effectively, equitable distribution of incomes, development of efficient administrative and political systems , improvement of efficient in social of economy  infrastructures , provenance of political  and social stability and sectional balance in development.

1.8 ORGANIZATION OF THE STUDY

This research work is organized in five chapters, for easy understanding, as follows

Chapter one is concern with the introduction, which consist of the (overview, of the study), historical background, statement of problem, objectives of the study, research hypotheses, significance of the study, scope and limitation of the study, definition of terms and historical background of the study. Chapter two highlights the theoretical framework on which the study is based, thus the review of related literature. Chapter three deals on the research design and methodology adopted in the study. Chapter four concentrate on the data collection and analysis and presentation of finding.  Chapter five gives summary, conclusion, and recommendations made of the study.

 

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