ABSTRACT
To secure a better understanding of the impact of collateral security on bank lending.
The objective of this work therefore is to examine the factors the necessitated the impact of collateral security in the Bank Lending with particular reference to the borrow and also to researchers.
Primary data was generated through the administration of questionnaires among the employees of First Bank of Nigeria Plc.
Responses from the questionnaires were classified according, Responses table were constructed and one hypothesis were tested using Chi – Square test statistics.
Furthermore, the general functions of collateral security, their objective and their structure are brought to limelight. Also the ability to elaborate and assess the bank mode of giving loan and advnce and their problems is a right step towards securing a better understanding of operation features of the banks. We however accept responsibility for any shortcoming that may be found in the work
TABLE OF CONTENTS
TITLE PAGE
CERTIFICATION I
DEDICATION II
ACKNOWLEDGMENT III
ABSTRACT IV
TABLE OF CONTENTS V
CHAPTER ONE:
1.1 INTRODUTION 1-2
1.2 BACKGROUND OF THE STUDY 2-5
1.3 STATEMENT OF THE PROBLEMS 5-6
1.4 PURPOSES OF THE STUDY 6-7
1.5 JUSTIFICATION IMPORTANCE OF
THE STUDY/SIGNIFICANCE 7-8
1.6 RESEARCH QUESTIONS 8-9
1.7 RESEARCH HYPOTHESIS 9
1.8 ASSUMPTION 10
1.9 SCOPE OF THE STUDY 11
1.10 LIMITATION OF STUDY 11
1.11 BRIEF HISTORY OF FIRST BANK OF NIGERIA PLC 11-13
1.12 DEFINITION OF TERMS 13-14
CHAPTER TWO: LITERATURE REVIEW
2.1 REVIEW OF THE PREVIEW RESEARCH 15-17
2.2 PERLINENT OPINION 17-18
2.3 SUMMARY OF THE STATE OF THE ART 18-21
2.4 COMMERCIAL BANKING LOANS AND ADVANCES 21-25
2.5 SURVEY OF LENDING CONCEPTS 25-27
2.6 LENDING PRACTICES 27-29
2.7 COLLATERIAL REQUIREMENT 29-36
CHAPTER THREE:
RESEARCH METHODOLOGY AND DESIGN
3.1 INTRODUCTION 37
3.2 RESTATEMENT OF RESEARCH QUESTIONS 37-38
3.3 RESTATEMENT OF RESEARCH HYPOTHESES 38
3.4 RESEARCH DESIGN 38
3.5 DATA COLLECTION 39
3.6 POPULATION OF THE STUDY 39
3.7 SAMPLE SIZE AND SAMPLE TYPE 39-40
3.8 DESCRIPTION OF RESEARCH INSTUMENT 40-41
3.9 QUESTIONAIRE ADMINISTRATION 41-43
3.10 DATA ANALYSES 43
CHAPTER FOUR:
4.1 DATA PRESENTATION AND ANALYSIS 44-47
4.2 GENERAL FINDINGS AND ANALYSIS 48-62
4.3 TEST OF HYPOTHESIS 63-64
CHAPTER FIVE:
SUMMARY, CONCLUSION AND RECOMMENDATIONS
5.1 SUMMARY 65
5.2 FINDINGS 66
5.3 CONCLUSION 66
5.4 RECOMMENDATION AND IMPLICATIONS 67-68
REFERENCE 69-70
BIBLIOGRAPHY 71
QUESTIONNAIRES 72-76
