CREDIT MANAGEMENT AND INCIDENCE OF BAD DEBTS IN NIGERIA COMMERCIAL BANKS  

CREDIT MANAGEMENT AND INCIDENCE OF BAD DEBTS IN NIGERIA COMMERCIAL BANKS  

Abstract

This research work is on credit management and incidence of bad debts in Nigeria commercial banks a case study of African continental bank of Nigeria. On the course of this research work four research objectives, questions and hypothesis were formulated. The research adopted Chi-square and case study design as the research design for this work, Taro formula was used to determine the sample size of the population and thus the findings shows that inadequate collateral, fund diversion, lending policies and project evaluations affect credit management. That to manage loan and credit effectively, efforts have to be made to obey and respect the cannons of good lending and ensure adequate control and supervision on the facility extended within the frame work of government regulation and guidelines. Sound lending requires a clear, well-articulated and easily accessible policy document which spells out the philosophy of lending. The issue of bad debts cannot be ruled out in banking business but the incidence can be minimized with prudent lending philosophy and proper grasp of economic and political environment factors

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