The project topic " Effect of financial leverage on company performance", has to do with the use of external finds (dept and equity) in generating profit for their firm company which its primary aim is maximization of shareholder welfare, wealth and also profit. I shall make use of primary data, a questionnaires which will be drafted (to be presented for onward approval) and interviews. I shall lay hand on books, management journals and periodical. However, the rudiments of the study will be ... read more

This study sought to examine the challenges of Liquidity Management in Nigeria’s Commercial banks. The study identified some of the notorious factors responsible for most banks’ liquidity problems such as high ratio of Non-performing loans (NPL), excessive risks concentration, fluctuations in statutory Reserve requirements; Assets mismatch in portfolio selection, and Poor Corporate Governance. In order to tackle the magnitude of the problems, the researcher limited the scope of the study to ... read more

In Nigeria, budget deficit has been blamed for causing much economic crises, high inflation, poor investment performance and growth (Appah and Chigbu, 2013). One of the most important objectives of fiscal policy is to reduce national debt and to check the interest payment on such debt from rising so as to prevent high deficit in the future. However, Nigerian government budget deficit witnessed an increase in the past decades. For instance, from 1981, deficits increased from N3.9billion to N8.2bi... read more

This research work investigated the effects of micro-financing on Micro and Small Enterprises (MSEs) in South-west Nigeria. The study examined how micro-finance and non-financial micro-financing activities and features such as group membership, pre-loan training, cross guaranteeship, loan size, technical and managerial training, among others, impact on the survival, growth, productivity and performance of Micro and Small Enterprises in Southwest Nigeria. The hypotheses form... read more

This work draws attention to the role rural banking can play in Nigeria development. This is because rural banking, will immensely increase the degree of monestisation of economy, making available for rural dwellers, greater opportunities for savings, credit investment and enhance the effectiveness on monetary policies in the achievement of desired national macro " economic objectives. It is with the above objectives in mind, that the rural banking programme was initiated by the Nigeria gov... read more

It is now generally reconvicted and accepted that banks play a catalytic role in the process of economic growth and development. In any society they are the engine of economic stimulation and growth. Thus, when there is bank failure in any economy, and economy become adversely affected. In this regard, the research carried out on this project work is BANK FAILURES IN NIGERIA; CAUSES< IMPLICATION AND REMEDIES. This study is structured into five inter dependent chapters to make for easy readi... read more

Banks generally play important role in the development of any economy. Hence the industry is so sensitive that it is said to be the backbone of every economy. The failure of bank (commercial banks in particular) may therefore bring about failure of the entire economy hence the need to control the activities of commercial banks to ensure effective economic development. The objective of this work is main to find out the problem of commercial bank in implementing monetary policy guideline. Th... read more

Robust economic growth cannot be achieved without putting in place well focused programmes to reduce poverty through empowering the people and increasing their access to factors of production, especially credit. The latent capacity of poor for entrepreneurship would be significantly enhanced through the provision of micro-finance services to enable them engage in economic activities and be more self-reliant, increase employment opportunities, enhance household income, and create wealth thereby e... read more

Globalization of markets requires a unified global accounting, reporting and disclosure sets of standards. As a result of increasing volume of cross border capital flows and growing number of foreign direct investments in the globalization era, the need for the harmonization of different practices in accounting and the acceptance of worldwide standards has risen. This has led to either convergence or adoption of the international financial reporting standards in countries across the globe includ... read more

The world is evolving every day. Gone are the days when communication was limited to face to face, signals or by postage. Today communication can take place between two or more people from any distance in the world through telecommunication or internet or other technological means. But the technological world is not stopping at that rather, new innovations are coming out, making life easier and of course more and more sophisticated. These innovations as they come makes serious impacts on the... read more

Mergers and acquisitions have emerged as a strategic tool for achieving corporate expansion and growth. Analyses have the banks to benefit from new business opportunities that would be created by change in the regulatory and technological environment. Aluo (2010) argue that Nigerian banks adopted different strategies to achieve the stipulated minimum capital base of N25 billion during the consolidation of banks in 2004 and 2005 which include mergers and acquisition. He further opines that mer... read more

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 Nigeria has lost large amount of money as a result of the turning source of credit exposure and taken interest rate position. Nigerian banks are being required in the market because of their competence to provide transaction efficiency, market knowledge an... read more

Today‟s business environment is very dynamic and undergoes rapid change as a result of technological innovation,increased awareness and demands from customers. Business organization, especially the banking industry of 21st century operates in a complex environment characterized by these changing condition and highly unpredicted economic climate.Information and communication technology(ICT) is at the centre of this global change. They point out that entire cash flow of most ... read more

A commercial bank in a country can be described as the fuel tank which supplies oil that lubricates trade and industry in order to get the wheel of economic activities in motion. A commercial banks is no larger uniquely described in terms of being a financial intermediary offering demand deposit and commercial lending service. Rather, it is a financial intermediary that provides financial service in an evolving industry. The financial service is affected by both the organization and the structu... read more

The banking sector in any economy serves as a catalyst for growth and development. Banks are able to perform this role through their crucial functions of financial intermediation, provision of an efficient payments system and facilitating the implementation of monetary policies. It is not surprising therefore, that governments the world over attempt to evolve an efficient banking system, not only for the promotion of efficient intermediation, but also for the protection of depositors, encouragem... read more

With the increasing dynamism and complexity of modern business operations, coupled with the ever-present accounting scandals of high profits companies such as Cadbury plc and Enronlinc have questioned the effectiveness of corporate governance mechanism and the quality of financial reports and the credibility of audit functions. Since ownership is separated from in their own interest, rather than the interest of shareholders whom they represent. They could manipulate financial statements, giving... read more

There is no doubt that recent development in banking industry relating to computerization banks including First Bank Plc Enugu, attracts comments from various organization, individuals government etc. in the society, hence many have written on the problems, benefit and prospects of computerized accounting system in Nigeria. Based on the views of some scholars, one learnt that computer has been found to be very important machinery that has not only facilitated banking transactions in banking indu... read more

Banking originate in ancient Mesopotamia where the royal palace and temple provided secure place the state keeping of grains and other commodities. Eventually, Private house in Mesopotamia also got involved in these banking law regulations. In Egypt to the contralizaiton of harvest are states where house also leaded to the development of a system of banking. The strong of bank start with gold smith in a small middle ages city has a strong vault ot keep his own gold supplies indeed, he wa... read more

In every economy, there exist facilities for the creation, custodianship and distribution of financial assets and liabilities (Mohammed, 2002). These facilities make up the financial system in any economy of which banking is a sub-sector. Banks are global phenomena, a universal institution. In fact, banks intermediate between surplus and deficit economic units, thereby, acting as machinery for the allocation for the allocation of scarce financial resources. (Mohammed, 2002). Consequently, banks ... read more

Operators in the banking system argue that the pegging lending rate at the present level by the Central Bank of Nigeria (CBN) is not realistic as it is not market determined especially urban considered against the cost of deposits (term deposits and saving account) as the rate of inflation, financial and business risks. However, it is argued that the Central Bank of Nigeria (C.B.N) sometimes reacts to the face of persistence of excess bank reserves due to weak demand for credit by the... read more