ABSTRACT
Chapter one portals
the problems associated with the Nigeria
commercial banks why serves as the introduction of the problems associated with
loan recovery and it also gives the historical development of commercial banks
in Nigeria.
Chapter two, lays emphasis on the loan, origin and deification and how loan
plays a vital role in loan lending for the economic development and money
creation in our society, both the lender and borrower have a duty to perform,
for an efficient and effective lending to be carried out. The conditions which
the commercial banks must undergo before granting out loans to customers was
emphasized in chapter. Three of these work. Despite the precautions taken by
the commercial banks they still encounter series of problems in loan recovery
from their customers. Among them are non-repayment of loan, unwillingness to
repay etc. Loan, recovery problems have an adverse effect on availability of
funds, due to the customers unwillingness to repay the being borrowed by them
when due (i.e at maturity). These problems have great effects on the commercial
banks since one of their functions is granting loan to customers. The effects
of the non-repayment of loan by customers will not be emphasized. Though there
are some remedies/solution to all these.
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