ABSTRACT

A borrower's savings capacity and collateral are associated with the amount of loan to be granted by afinancial  institution.  Most  often,  when  a  debt  is  created,  it  becomes  difficult  to  recover  due  to  poormanagement  by  the  lender  as  well  as  loan diversion  by  the  borrower  consequent  to  inability  to  payback. Hence, this study investigated the challenges of debt management in First Bank of Nigeria Plc. IkotEkpene. Questionnaires were administered to elicit data from the respondents and test the co nsistencyand reliability of the research instrument. This study found out that there is a significant relationshipbetween inadequate collateral provisions by borrowers and bad debt. Poor credit appraisal was foundout to be the major cause of bad debt. Based on the findings of the study, it was recommended amongothers that financial institutions management should organize regular training programs for credit staffin areas like credit management, risk management and financial analysis so as to improve on the qualityof credit appraisals, enable credit officers appreciate the need to comply with credit policy and furtherenhance monitoring credit.

TABLE OF CONTENT

1.0 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

Reference