ABSTRACT
This study deals with impact of loans and Advances in community bank: A case study of Okulu community Bank Ebugu. To Quicken this study four research and four hypothesis were formulated. Based on the a structure questionnaire was built to clict the needed data from respondent mean and standard deviation were used in analyzing four research questions, while to test was used the further test the hypothesis.
Major findings includes: That the lending requirement for small scale enterprises in community bank ensures quite recovering of credit, tat the bank principles of lending has helps in archiving lending objectives and that credit worthiness of a small scales Providences is an adequa6te measure to loan accessibility.
Based on the above, major recommendation includes that loans and Advances department should have it as a duty ensures or to assist creditors in selection of project to ensure inability and that the should be constant monitoring through visitors to the project site and conduct regular meetings with the customer to avoid unprecedented problems etc.
TABLE OF CONTENTS
Title page ii
Approval page iii
Dedication iv
Acknowledgement v
Abstract vi
Table of contents vii
CHAPTER ONE
Introduction 1
1.1 Background of the study 1
1.2 Statement of problem 6
1.3 Purpose of the study 6
1.4 Scope of the study 7
1.5 Research Question 7
1.6 Hypothesis 8
1.7 Significance of the Study 8
CHAPTER TWO
Review Related Literature 11
2.1 Lending in the rural economy 11
2.2 The basic principle of bank lending 13
2.3 Appraisal of loan proposal 16
2.4 Problems of bank credit 23
2.5 Importance of bank lending 25
2.6 Summary of related reviewed literature 28
CHAPTER THREE
Research Methodology 30
3.1 Research Design 30
3.2 Areas of the study 30
3.3 Population of the study 31
3.4 Instrument for data Collection 31
3.5 Validation of the instrument 32
3.6 Method of data Collection 32
3.7 Method of data Analysis 32
CHAPTER FOUR
4.1 Data Presentation and Result 34
4.2 Summary of results 51
CHAPTER FIVE
5.1 Discussion Results 53
5.2 Conclusion 55
5.3 Implication of research finding 56
5.4 Recommendations 57
5.5 Suggestions for Further Study 58
5.6 Limitation of the Research 59
References 60
Appendix 62
This study deals with impact of loans and Advances in community bank: A case study of Okulu community Bank Ebugu. To Quicken this study four research and four hypothesis were formulated. Based on the a structure questionnaire was built to clict the needed data from respondent mean and standard deviation were used in analyzing four research questions, while to test was used the further test the hypothesis.
Major findings includes: That the lending requirement for small scale enterprises in community bank ensures quite recovering of credit, tat the bank principles of lending has helps in archiving lending objectives and that credit worthiness of a small scales Providences is an adequa6te measure to loan accessibility.
Based on the above, major recommendation includes that loans and Advances department should have it as a duty ensures or to assist creditors in selection of project to ensure inability and that the should be constant monitoring through visitors to the project site and conduct regular meetings with the customer to avoid unprecedented problems etc.
TABLE OF CONTENTS
Title page ii
Approval page iii
Dedication iv
Acknowledgement v
Abstract vi
Table of contents vii
CHAPTER ONE
Introduction 1
1.1 Background of the study 1
1.2 Statement of problem 6
1.3 Purpose of the study 6
1.4 Scope of the study 7
1.5 Research Question 7
1.6 Hypothesis 8
1.7 Significance of the Study 8
CHAPTER TWO
Review Related Literature 11
2.1 Lending in the rural economy 11
2.2 The basic principle of bank lending 13
2.3 Appraisal of loan proposal 16
2.4 Problems of bank credit 23
2.5 Importance of bank lending 25
2.6 Summary of related reviewed literature 28
CHAPTER THREE
Research Methodology 30
3.1 Research Design 30
3.2 Areas of the study 30
3.3 Population of the study 31
3.4 Instrument for data Collection 31
3.5 Validation of the instrument 32
3.6 Method of data Collection 32
3.7 Method of data Analysis 32
CHAPTER FOUR
4.1 Data Presentation and Result 34
4.2 Summary of results 51
CHAPTER FIVE
5.1 Discussion Results 53
5.2 Conclusion 55
5.3 Implication of research finding 56
5.4 Recommendations 57
5.5 Suggestions for Further Study 58
5.6 Limitation of the Research 59
References 60
Appendix 62