ABSTRACT
    This research aims at tracing the problems that borrowers do encounter while obtaining loans from banks and the causes of these problems.
    The researcher trims to view these problem emanating from the borrower method of application vis-à-vis the central bank credit guidelines and the commercial bank principles and practice of lending.
    The researcher also analysis this issue from the point of view oft eh borrow and attempt to make this thesis more understandable by first of all reviewing the different aspects to bank loans, different principles and practices of lending obtainable indifferent country and finally throwing light on the economic effects of low banking lending.
    Some prospects and recommendation were also discussed as conclusion. The research is not exhaustive but for time and financial constraint.
TABLE OF CONTENTS
TITLE PAGE
APPROVAL PAGE
DEDICATION
ACKNOWLEDGEMENT
ABSTRACT
CHAPTER ONE
1.0    Introduction
1.1    Background of the study
1.2    Objective of the study
1.3    Significant of the study
1.4    Scope and limitation of study
1.5    Definition of terms.
CHAPTER TWO
2.0    Literature Reviewed
2.1    Short term loan and over draft
2.2    Medium and long term loan
2.3    Principles of Good Bank Lending
2.4    Lending procedure advantages and disadvantages
2.5    Problems of bank lending
2.6    Securities for bank lending.
CHAPTER THREE
3.0    Summary and finding
3.1    Conclusion
3.2    Recommendation
Bibliography.