TABLE OF CONTENTS

ABSTRACT

TABLE OF CONTENT

CHAPTER ONE

1.0       INTRODUCTION

1.1       BACKGROUND OF THE STUDY

1.2       STATEMENT OF THE PROBLEM

1.3       OBJECTIVES OF THE STUDY

1.4       RESEARCH QUESTION

1.5       SIGNIFICANCE OF THE STUDY

1.6       SCOPE OF THE STUDY

1.7       DEFINITION OF TERMS

CHAPTER TWO

2.0       LITERATURE REVIEW

CHAPTER THREE

3.0       RESEARCH DESIGN AND METHODOLOGY

3.1       INTRODUCTION

3.2       RESEARCH DESIGN

3.3       SOURCES/METHOD OF DATA COLLECTION

3.4       POPULATION AND SAMPLE SIZE

3.5       SAMPLING TECHNIQUES

3.6       VALIDITY AND RELIABILITY OF MEASURING INSTRUMENT

3.7       METHOD OF DATA ANALYSIS

CHAPTER FOUR

4.0       PRESENTATIONAND ANALYSIS OF DATA

4.1       INTRODUCTION

4.2       PRESENTATION OF DATA

4.3       ANALYSIS OF DATA

4.4       INTERPRETATION OF RESULT

CHAPTER FIVE

5.0       SUMMARY, CONCLUSION, RECOMMENDATION

5.2       SUMMARY OF THE FINDING  

5.3       CONCLUSION

5.4       RECOMMENDATION

REFERENCE

APPENDIX

CHAPTER ONE

1.0      INTRODUCTION

(According to Muru) In all human activities there are usually success and failure. Businesses, including banks are therefore no exception. In the period of loan as were experienced in the mid-seventies thrived in an era of abundance and squander mamia. In such an era savings and investment are at their level-conditions favorable for banks to flourish and grow.

During this period also, banks do not think of means of survival and sustenance. They were all interested in building state of the art corporate entities to enhance their image and giving out loans indiscriminating without adequate realizable securities. On the other hand, when the lay data are over and down turns take over, the orders of the day as a result of macro-economic condition.

The situation as at now attained a dimension that can best be described as “cries level in the banking sector which became characterized by default in loan payment, dis saving and massive fraud at management level.

1.1     BACKGROUND OF THE STUDY

(According to Abraham)  He says in all human activities, there is usually success and failure business including banks is therefore no exception. In period of loan as were experienced in the mid-seventies thrived in an abundance and squander mania. In such an era savings and investments are at their peak level conditions favorable for bank to flourish and grow.

During this period also, banks do not think means survive and substance. They were all interested in building state of the art corporate edifies to enhance their image and giving out loans indiscriminately without adequate realizable securities.

On the other hand, when the lay days are over and down turns take over the orders the days arrive and banks failure become the order of the day as a result of adverse macro- economic conditions. The situation as at now attained a dimension that can best be described as “cries” level in the banking sector which became characterized by default in loan repayment,, dis-saving and massive fraud of management level.