CHAPTER ONE
1.0    INTRODUCTION
The rigorous and strains of borrowing, especially in Nigeria and Africa in general are not doubt enormous.
    The fault is not that of the lenders (banks) alone as critics claim that the borrowing public are partly responsible for the frustrations. A large portion of the borrowing public are substantially under-educated (about borrowing with this regard, they approval heir prospective lenders unprepared and largely ignorant of the why’s and what’s of their request.  A substantial number of people who approach banks for loans have no business going to the banks to borrow in the first place.  If at all their business and needs are gerund, perhaps they should have tried their friends, relatives or associates first before going to bank to borrow.  No one can fault the bank (lender) on their criteria because the banks is also in business ot stay and grow.
    Among all other activities of the banks lending is the most vital bank undertaking which should be carefully emphasized, may because it is the most profitable undertaking of the bank or its contribution to the economic growth of the country in general
    The federal reserves system,. Financial intermediaries, government and business can be thought of making up the financial environment within which we all strive to achieve our goals but which largely is beyond the control of any single decision unit. Due to the lack of substantial knowledge about the behavior of this financial environment, however, we are advised to enhance that knowledge.  It seems clear to me that we all have an interest in the development of empirically substantiated theories of behavior of a financial economy.  After-all, failure of broad section of the economy, whether  in the form of inflation’s, mass bank failure or in dispread business closing is a situation whereby large portion of the borrowing with the result that they approach their prospective lenders unprepared.
    The burden of proof is therefore in the prospective borrows  should be educated, and get educated is there fore the message of this topic.  It is a further contribution to the promotion and development of an improve business culture by helping to educate the borrowing public. The most critical Turing in a loan proposed are really simple ordinary things that many borrowers especially first time borrowers and small scale enterprises regard as unnecessary and in consequential. The borrower should know that the loan officer cares about the neatness of the documents presented, the language of ht proposal, its substance, the character of the promoters and borrowers is of consequence to the loan offer decisions criteria because he associates.  These with the ability of the borrower to perform maintain control and achieve the designed results and finally to pay back the loan.
    Areas of general interest to lenders include,
-    Personal credit record of the borrower
-    Financial history of the business
-    Growth of the business
-    Profitability of the business
-    Physical condition of the facilities and equipment
-    Experience of the key managers to reduce risks, lenders required some of the following
-    An equity pledge by the owner to the lender
-    A personal asset pledge by the owner to the lender
-    A consigning of the loan by  all principle or guarantors
-     A lien on all assets and personal property of the owes
This study represents a modest effort to provide substantial information about that part of the financial environment which is the criteria of borrowing and repaying business loan as a guide towards economic development
TABLE OF CONTENTS
TITLE PAGE
APPROVAL PAGE
DEDICATION
ACKNOWLEDGEMENT
ABSTRACT
TABLE OF CONTENT
CHAPTER ONE
INTRODUCTION
1.1    BACKGROUND OF DEVELOPMENT BANK IN NIGERIA
1.2    STATEMENT OF PROBLEMS
1.3    STATEMENT OF  HYPOTHESIS
1.4    OBJECTIVES OF THE STUDY
1.5    IMPORTANCE OF THE STUDY
1.6    SCOPE AND LIMITATION OF STUDY
1.7    DEFINITION OF TERMS
CHAPTER TWO
2.0    REVIEW OF RELATED LITERATURE
2.1    TYPES OF LOANS AND ITS SIGNIFICANCE
2.2    FORM OF LOAN PRESENTATION OF LOAN PROPOSAL
2.3    ELEMENT OF GOOD BANKING ADVANCE
2.4    PURPOSE OF THE LOAN
2.5    THE SECRETE OF REPAYING LOANS
2.6    THE ROLE OF BORROWING AND REPAYRING BUSINESS LOAN IN THE NATIONAL ECONOMY
2.7    DISTRIBUTING BANK SERVICE
CHAPTER THREE:
3.0    RESEARCH METHODOLOGY
3.1    SOURCES OF DATA
3.2    RESEARCH POPULATION AND SAMPLE SIZE
3.3    RESEARCH INSTRUMENTS
3.4    DATA  ANALYSIS TECHNIQUES
CHAPTER FOUR:
4.0    PRESENTATION AND ANALYSIS OF DATA
4.1    ANALYSIS OF DATA FROM CUSTOMERS
4.2    TEST FOR HYPOTHESIS
CHAPTER FIVE:
SUMMARY OF FINDINGS CONCLUSION AND RECOMMENDATION
FINDINGS
CONCLUSION
RECOMMENDATION
BIBLIOGRAPHY
APPENDIX