1. A SURVEY ON SHIP FINANCING: EXPERIENCE OF NIGERIA
Background to the study
Shipping has been around for almost 5000 years, with the earliest known marine commerce network connecting Mesopotamia, Bahrain, and the Indus River. Shipping is always evolving, and today's shipping is very different from wh...
2. THE IMPACT OF MICROFINANCE CREDIT ON AGRICULTURAL PRODUCTIVITY IN NIGERIA
EXCERPT FROM THE STUDY
Theory Risk and uncertainty concepts in agriculture are subjects internationally discussed by theoretical economists and empirical analysts. The operations of a farm enterprise are not as protected as in the case of commercial and industrial enter...
3. CREDIT MANAGEMENT, CREDIT POLICY AND THE PERFORMING OF BANK IN AKURE, ONDO STATE NIGERIA
BACKGROUND OF THE STUDY
Credit is one of the many factors that can be used by a firm to influence demand for its products. According to Horne & Wachowicz (1998), firms can only benefit from credit if the profitability generated from increased...
4. AN INVESTIGATION INTO DESIGN AND IMPLEMENTATION OF A COMPUTERIZED LOAN MANAGEMENT SYSTEM FOR REFUSING OR APPROVING LOAN REQUEST USING CREDIT RISK AND EVALUATION MODELS.
BACKGROUND OF THE STUDY
Small businesses and individuals have access to loan services provided by financial institutions thanks to a number of reforms that were implemented in response to a variety of concerns about the banking sector (Kimuyu, 2019). This project intend...
5. CREDIT RISK MODELLING TECHNIQUES FOR LIFE INSURERS
ABSTRACT
This study was intended to study credit risk modeling techniques for life insurers. This study was guided by the following objectives; to know the best techniques of credit risk modeling for life insurers. To examine the impact of credit risks...
6. CREDIT RISK ON BANKS PERFORMANCE IN NIGERIA
ABSTRACT
The aim of this study is to examine the pattern of credit risk and the consequential effect of bad, doubtful and uncollectible debts. In most banks, colossal debt burden has continued to mount pressure on their ability to balance liquidity in value asset an...
7. RISK MANAGEMENT A CRITICAL TOOL IN NIGERIA BANKING INSTITUTION
BACKGROUND TO THE STUDY
The banking industries are susceptible to all forms of risk. It has an ageing long history in the overall operation of all banks. The Nigerian Banking Industry for the past decades has witnessed series of Banking distress and subsequent failures....
8. THE IMPACT OF CREDIT RISK ON BANK PERFORMANCE IN NIGERIA
Abstract
This study intends to examine the impact of credit risk on bank performance in Nigeria for the period 2004-2014. The pervasive incidence of non-performing loan is one of the prime causes of failure in the banking system. The internal exams to a...
9. DESIGN AND IMPLEMENTATION OF A COMPUTERIZED LOAN MANAGEMENT SYSTEM FOR REJECTING OR APPROVING LOAN REQUEST USING CREDIT RISK AND EVALUATION MODELS.
ABSTRACT
Over the past few years, the financial sector have dedicated numerous resources to developing internal models to better quantify their financial risks and attain economic capital. These endeavors have been supported and recognized by bank regulators. Over time, banks have exten...
10. Commercial Banks‟ Pricing of Loans, Assets Quality and Financial Intermediation in Nigeria
Abstract
Despite the interest rate liberalization policy that gave rise to commercial banks’ pricing of loans models which is expected to enhance quality of banks assets and improve financial intermediation, poor assets quality of banks, bank failures and poor intermediation role...
11. EFFECT OF CREDIT RISK ON BANKS PERFORMANCE IN NIGERIA
Background of Study
Commercial banks play a significant role in the economic development of nations through the financial services they provide. Their intermediation role can be said to be a catalyst for economic growth (Kolapo, Ayeni and Oke, 2012). Lending is no doubt...
12. THE ROLE OF FIXED INCOME SECURITIES IN INVESTMENT PORTFOLIOS
ABSTRACT
THE ROLE OF FIXED INCOME SECURITIES IN INVESTMENT PORTFOLIOS
This research investigates the role of fixed income securities in investment portfolios, focusing on: (1) the benefits of fixed income for portfolio stability; (2) the strategies for integrating fixed income...
13. Enhancing Financial Inclusion Through Artificial Intelligence Tools: A Case Study of Microfinance Banks in Jigawa State
1.1 Background of the Study
Financial inclusion is a critical driver of economic growth, aiming to provide affordable and accessible financial services to underserved populations. In Nigeria, a significant portion of the population remains unbanked or underbanked, particularly in rural...
14. IFRS Adoption and Its Impact on Loan Loss Provisioning in Nigerian Banks
Background of the Study
The adoption of International Financial Reporting Standards (IFRS) by Nigerian banks represents a major shift from the country’s previous local accounting practices. IFRS adoption impacts various aspects of bank financial r...
15. The Effect of International Accounting Standards on Financial Risk Reporting in Nigerian Banks
Background of the Study
Financial risk management is critical for the stability of the banking sector, particularly in an economy like Nigeria’s, which faces significant volatility due to political, economic, and market fluctuations. International...
16. IFRS Adoption and Its Impact on Loan Loss Provisioning in Nigerian Banks
Background of the Study
Loan loss provisioning is a critical aspect of financial stability in the banking sector, as it ensures that banks maintain sufficient reserves to cover potential loan defaults. The adoption of International Financial Reporting S...
17. The Effect of IFRS on Financial Risk Reporting in Nigerian Corporations
Background of the Study
Financial risk reporting is a critical component of corporate governance and financial transparency. Nigerian corporations have faced challenges in providing adequate and reliable risk disclosures. The adoption of IFRS, with its emphasis on trans...
18. The Role of IFRS in Enhancing Credit Risk Management in Nigerian Banking Sector
Background of the Study
Effective credit risk management is essential for the stability and profitability of banks. The adoption of IFRS, particularly IFRS 9, which addresses financial instruments and expected credit losses, provides a framework for more accurate credit...
19. The Role of IFRS in Enhancing Credit Risk Management in Nigerian Banking Sector
Background of the Study
Credit risk management is a crucial aspect of banking operations, as banks need to assess, manage, and mitigate the risks associated with lending. The adoption of International Financial Reporting Standards (IFRS) has provided a standardized appr...
20. The Role of Audit Committees in Enhancing Risk Management Practices: A Case Study of GTBank Plc
Background of the Study
Audit committees play a pivotal role in corporate governance by overseeing the financial reporting process, ensuring compliance with regulatory standards, and enhancing the effectiveness of risk management practices. In Nigerian...
21. An evaluation of credit risk management in Nigerian microfinance banks: A study of LAPO Microfinance Bank
Background of the Study
Credit risk management is a key component of the banking industry, particularly for microfinance banks that deal with small loans to individuals and businesses that may not have access to traditional banking services. Effective credit risk managemen...
22. The Impact of Risk Management Practices on Financial Performance in Nigerian Banks: A Case Study of Access Bank Plc
Background of the Study
Risk management is a critical component of modern banking operations, enabling financial institutions to identify, assess, and mitigate potential threats to their stability and profitability. Nigerian banks, like their global counterparts, face d...
23. The Impact of COVID-19 on Financial Reporting in Nigerian Banks: A Case Study of First Bank of Nigeria
Background of the Study
The COVID-19 pandemic has had a profound impact on global economies, financial markets, and business operations. For financial institutions like banks, the crisis posed unprecedented challenges, particularly in terms of financial reporting. In Ni...
24. An Assessment of Credit Risk Management and Its Impact on Bank Performance: A Case Study of Zenith Bank Plc
Background of the Study
Credit risk management involves identifying, assessing, and mitigating risks associated with borrowers failing to meet their financial obligations. Effective credit risk management is critical for banks to maintain profitability, ensure liquidity...
25. The Role of Financial Derivatives in Mitigating Risks in Nigerian Banks: A Case Study of GTBank
Background of the Study
Financial derivatives, such as futures, options, and swaps, are essential tools for managing financial risks. Nigerian banks increasingly adopt derivatives to hedge against market risks, including interest rate fluctuations, exchange rate volatil...
26. The Challenges of Managing Financial Risks in Commercial Banks: A Case Study of Unity Bank in Yobe State
Background of the Study
Financial risk management is an essential component of the banking industry, involving the identification, assessment, and mitigation of risks that could affect a bank’s financial performance and stability. Commercial banks like Unity Bank...
27. The Impact of Credit Risk Management on the Financial Performance of First Bank Nigeria Plc in Gombe State
Background of the Study
Credit risk management plays a vital role in the financial performance of banks, particularly in a challenging economic environment like Nigeria. The banking sector in Nigeria, including First Bank Nigeria Plc, has faced various financial challenges related to no...
28. An Examination of Credit Risk Management in Zenith Bank, Adamawa State
Background of the Study
Credit risk management is a vital function within the banking sector, and it involves identifying, assessing, and mitigating the risks associated with lending. Banks, such as Zenith Bank, operate in an environment where economic conditions, borrower characteristi...
29. A Critical Analysis of Credit Management Strategies in Microfinance Banks in Jigawa State
Background of the Study
Microfinance banks (MFBs) play a crucial role in economic development, particularly in emerging economies, by providing financial services to low-income individuals and small businesses that typically lack access to traditional banking se...
30. A Critical Analysis of Financial Regulation and Its Impact on the Nigerian Banking Sector: A Case Study of GTBank in Taraba State
Background of the Study
The Nigerian banking sector plays a pivotal role in the country's economic development by providing financial services that facilitate investment, trade, and consumption. Over the years, the sector has undergone significant reforms, particularly...
31. An Assessment of the Relationship Between Credit Policy and Loan Default Rates in Unity Bank, Kebbi State
Background of the Study
Credit policies are essential in shaping the lending behavior of banks and the financial stability of borrowers. In Unity Bank Plc, which operates in Kebbi State, the credit policy is designed to ensure that loans are granted to creditworthy individuals and busin...
32. The Impact of Central Bank of Nigeria’s Monetary Policies on Nigerian Commercial Banks: A Case Study of Zenith Bank
Background of the Study
Monetary policies play a crucial role in the economic stability and growth of nations. In Nigeria, the Central Bank of Nigeria (CBN) influences interest rates, inflation, and liquidity to control economic fluctuations and ensure a stable financia...
33. An Examination of Credit Risk Management Practices in Nigerian Commercial Banks: Evidence from UBA
Background of the Study
Credit risk management is a cornerstone of effective banking, enabling financial institutions to safeguard their assets while extending credit to individuals and businesses. Nigerian commercial banks, including the United Bank for Africa (UBA), o...
34. An Evaluation of Risk Management Strategies in Nigerian Banks: A Case Study of First Bank Nigeria
Background of the Study
Risk management is a critical component of banking operations, encompassing strategies to identify, assess, and mitigate financial risks. In Nigeria, banks operate in a dynamic environment characterized by economic instability, regulatory changes...
35. The Role of Machine Learning in Automated Risk Assessment: A Study of Fintech Firms in Yobe State
Background of the Study
Machine learning (ML) has emerged as a powerful tool in automated risk assessment, particularly within fintech firms that deal with large amounts of financial data. By leveraging algorithms that learn from data and improve over time, fintech comp...
36. An Assessment of Risk Management Techniques in Financial Institutions: A Study of Banks in Taraba State
Background of the Study
Risk management in financial institutions involves identifying, analyzing, and mitigating risks to protect assets and ensure stability. Common risks include credit risk, operational risk, market risk, and regulatory compliance issues. Effective r...
37. The Effect of Strategic Risk Management on Business Stability: A Study of Microfinance Banks in Nasarawa State
Background of the Study
Strategic risk management involves identifying, assessing, and mitigating risks to ensure organizational stability and continuity. For microfinance banks, managing risks such as loan defaults, regulatory changes, and economic volatility is critic...
38. An Appraisal of Predictive Analytics in Credit Scoring Models: A Case Study of Microfinance Banks in Gombe State
Background of the Study
Credit scoring is a critical element in the financial services industry, as it helps financial institutions assess the creditworthiness of borrowers. Traditional credit scoring models rely heavily on historical financial data, su...
39. An Assessment of the Role of Predictive Analytics in Risk Management: A Study of Microfinance Institutions in Nasarawa State
Background of the Study
Risk management is an essential function for financial institutions, including microfinance banks, as it helps safeguard against potential financial losses and operational disruptions. Traditionally, risk management in microfinan...
40. The Effect of Data Mining on Credit Risk Assessment: A Study of Microfinance Institutions in Taraba State
Background of the Study
Credit risk assessment is a critical process for financial institutions, particularly microfinance institutions (MFIs), which often cater to clients with limited credit histories. Data mining, a technique for extracting patterns...
41. An Evaluation of AI-Powered Loan Risk Assessment Models in Financial Institutions: A Case Study of Banks in Plateau State
Background of the Study
In recent years, artificial intelligence (AI) has emerged as a transformative tool in the financial services industry, offering solutions for improving operational efficiency and reducing risk. One of the most significant applications of AI in th...
42. An Evaluation of the Role of Scenario Planning in Business Risk Mitigation: A Case Study of Financial Institutions in Plateau State
Background of the Study
Scenario planning is a strategic management tool used by businesses to anticipate and prepare for potential future events and uncertainties that could affect their operations. In the financial sector, where market volatility, regulatory changes, and economic shif...
43. A Comparative Study of Investment Strategies in Microfinance and Commercial Banks: A Case of LAPO Microfinance Bank and Zenith Bank Plc, Yobe State
Background of the Study
Investment strategies vary between microfinance and commercial banks due to differences in target customers, risk appetite, and financial goals. Microfinance banks, such as LAPO, focus on small-scale lending to low-income individ...
44. An Evaluation of Risk Management Practices in Zenith Bank Plc, Benue State
Background of the Study
Risk management is a crucial aspect of banking operations, ensuring financial stability, regulatory compliance, and business continuity. Effective risk management strategies help banks mitigate credit risk, operational risk, mark...
45. An Evaluation of Financial Risk Management in Access Bank Plc, Nasarawa State
Background of the Study
Financial risk management is a crucial component of a bank’s operations, ensuring the stability and sustainability of financial institutions. Financial risks, including credit risk, liquidity risk, market risk, and operational risk, can significantly impact...
46. A Comparative Study of Risk Management Strategies in Commercial Banks: A Case of Zenith Bank Plc and Guaranty Trust Bank, Sokoto State
Background of the Study
Risk management is a fundamental aspect of banking operations, ensuring financial stability and regulatory compliance. Commercial banks face diverse risks, including credit risk, operational risk, and market risk, which can impact their profitability and sustaina...
47. An Appraisal of the Effect of Operations Research on Decision-Making in Access Bank Plc, Kwara State
Background of the Study
Operations Research (OR) has become a key tool for organizations seeking to make informed, data-driven decisions aimed at improving operational efficiency and achieving strategic objectives. In the financial services industry, particularly in banks like Access Ba...
48. Investigation into Risk Management Strategies in Banking Operations at Zenith Bank Plc, Plateau State
Background of the Study
Risk management is a crucial component of banking operations, as it helps banks identify, assess, and mitigate potential threats to their financial stability and operational efficiency. In the Nigerian banking sector, where the financial system faces challenges s...
49. AN ANALYSIS OF CREDIT MANAGEMENT IN THE BANKING INDUSTRY
BACKGROUND OF THE STUDY
Credit management in our banking sector today has taken a different dimension from what it used to be. The banking industry has adopted a lot of strategies in checking credit management in order to stay in business. Thu the banking industry in Ni...
50. EFFECTIVENESS OF CREDIT ADMINISTRATION AND CONTROL IN NIGERIA INDUSTRY (A CASE STUDY FIRST BANK OF NIGERIA PLC. ENUGU.)
BACKGROUND OF THE STUDY
Credit management in our banking sector today has taken a different dimension from what it used to be. The banking industry has adopted a lot of strategies in checking credit management in order to stay in business. Thu the banking industry in Ni...
