PROPOSAL
This topic is embarked upon to as
certain on the impact of management information on bank lending decision. This
topic will be discussed in five chapters.
It is to emphasize that the more
bank management utilize management information in bank transaction, the greater
the tendency to make profitable lending decision, the extent to which bank
management uses accounting information to determining the extent to which bad debt
can be avoided, the more bank official verify proposal by the beneficiaries,
the more the bank make a profitable investment.
Management information is desirable
and indispensable in bank lending decision that the utilization of the
accounting to a higher percentage hand to a profitable investment to the bank
that employ it and profitable investment to the bank that did not employ it.
TABLE OF CONTENTS
TITLE PAGE i
APPROVAL PAGE ii
DEDICATION iii
ACKNOWLEDGMENT iv
PROPOSAL
CHAPTER ONE
INTRODUCTION
1.1 BACKGROUND
OF THE STUDY
1.2 STATEMENT
OF PROBLEM
1.3 OBJECTIVES
OF STUDY
1.4 SIGNIFICANCE
OF STUDY
1.5 SCOPE AND
LIMITATION OF STUDY
1.6 DEFINITION
OF TERMS
CHAPTER TWO
REVIEW OF RELATED LITERATURE
2.1 ORIGIN OF THE STUDY
2.2 DECISION-MAKING AND INFORMATION
OVERVIEW
2.3 MANAGEMENT INFORMATION AND
BANKING SERVICES
2.4 THE BANKING SYSTEM AND NATIONAL
ECONOMY
CHAPTER THREE
RESEARCH DESIGN AND METHODOLOGY
3.1 SOURCES OF DATA
3.2 LOCATION OF DATA
3.3 METHOD OF DATA COLLECTION
CHAPTER FOUR
4.1 FINDINGS
CHAPTER FIVE
5.1 RECOMMENDATION
5.2 CONCLUSION
CHAPTER ONE
1.1 INTRODUCTION
BACKGROUND
OF THE STUDY
The bank has a full range of banking services and products
provided to delight their customers. They include: personal savings account,
personal current account, standard share account, domiciliary account and so on
Decision taking is a life wire of
any organization as the future growth of the enterprise depends largely on the
soundness and unsoundness of such decision. For the banking sector in
particular, the importance of valid decision in enhancing its growth and
profitability cannot be over stretched. The banking industry in Nigeria is in a
state of chaos.
The utilization of management
information on banks lending decisions will make a lot of impact in enhancing
banking growth and productivity.
The usefulness of the management
information cannot be very useful in all operations in the banks. Management
information contains such details as regard banks financial standing and
long-term viability, some of the ways banks lend money are through banks
overdraft and other advances it can categorize of its customers. Before banks
lend money, they will be interested in the ability of their customers to pay
interest on borrowed loan as well as their ability to refund the loan at the
appropriate time.
Management information is
indispensable in granting such loan, overdraft and other advances also in
monitoring the realized of the disbursed funds.
Before the decisions are reached,
management information should be sought for to provide the choices as well as
the outcome of the possible decision.
The major aims of banks is
maximizing profit, the management of the bank use data and basis, provided in
management information in taking useful decision that is in line with the goals
of the organization.
Management information is very
useful in planning co-ordinating and control. Moreover, with management
information, every lending decision will be based on data that have first of
all to be selected, collected, verified and subsequently utilized for growth,
profitability and viability of the bank.
1.2 STATEMENT
OF PROBLEM
The recent development in the
banking industry in Nigeria
have shown the most of the bank management and decision takers have grossly
violate in their operation. The most affected in the violation is the banking
regulation, the misuse, abuse and total neglect of management information in
the banking lending decision.
Because of the importance of
management information in enhancing bank growth and developments, we have decided
to investigate its impacts on bank lending sector in Nigeria cannot go
uncounted by the accountants who are first and foremost concern with
accountability and probity in financial industries, government departments and
business entities. The problems in the bank has not only contributed to the
crippling of the nations economy but has also negatively affected their hard
earned money in the bank only to be told that the bank have no money to pay
them. This cannot continue indefinitely and we have to tackle the problem. In
this regard, it is pertinent to understand the impact of management information
in causing, eradication the problem facing banks.
1.3
OBJECTIVES OF THE STUDY
This study intends to achieve the
following objectives;
(1) To improve the way of operation
in the banks
(2) To position the bank for the
higher goals
It has set for itself through
management information.
(3) To change the perception of the
banks for the better.
(4) To reaffirm the core values of
the banks
(5) To ascertain the type of
management information made available to bank management
(6) To examine the extent to which
bank management utilize if bank management information in lending decision.
(7) To determine whether incidence
of bad debts can be avoided, if bank management utilize management information
in their lending decision.
(8) To suggest ways which usage of
management information can be move affective in bank lending system.
(9) To make recommendation and ways
of strengthening the position contribution of the banking sector to the
national economy.
1.4
SIGNIFICANCE OF THE STUDY
This study is signcant in the sense
that it will look at the impact of management information of bank lending
decision.
It is hoped that through this
study, some good contribution would be made to the existing stock of knowledge
in this field. This study will also act as a guide to decision makers in
destructing the policy of their banks.
1.5 SCOPE AND LIMITATION OF THE
STUDY
The writer will collect data
thoroughly examine and gather information.
In this study we may be handicapped
in certain area. The researcher is students who will be combing the work with
other rigorous academic activities. As a result, the limited available time
will be shared between this study to a certain decree.
Another limiting factor is fund.
The researcher may be handicapped financially. The huge financially requirement
of a study of this type may not be forth coming.
Furthermore, due to sensitive and
probing nature of this study, all the necessary co-operation from the bank
official may not be as may have expected. The problem may even be compounded by
the atmosphere of secrecy and security, which guide the banking operation.
This limitations not withstanding
the researcher will employ all necessary methodologies and give more of their
times and funds to accomplish the work to the required standard.
1.7 DEFINITION
OF TERMS
THE IMPACT OF MANAGEMENT
INFORMATION ON BANK LENDING DECISION: This is the process by which
the programmer has made a long-term change in the information for management
decision-making.
IMPACT: It is the ultimate effect
of the program on the problem that the program was supposed to do something
about it.
MANAGEMENT INFORMATION: It is the
process of transforming information and intellectual asset into ending value.
LENDING DECISION: It is the
deposing of money with expectation that it will be returned.
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