Every nation aspires to develop its urban and rural areas. Policies are formulated to ensure the achievement of the overall development of the nation. For instance, in Nigeria reasonably number live in the rural areas and so the issue of developing the rural people in these areas in question are predominant farmers, who produce the highest percentage of the nations food and yet there is no significant development of the rural areas. There are no good roads, electricity enough water supp... read more

Sharnna and Sadana (2008) defined local government as a statutory authority in a specified local area, having the power to raise revenue through taxes for the performance of local services such as sanitation, education, water supply and electricity. Precisely they see local government as authority constituted by the elected representatives of local people, which enjoys autonomy from state or central control sufficient to enable it to perform its services adequately. However, Oluwa (1996), contri... read more

The implementation of Human Capital Accounting (HCA) is an OECD-recommended means of improving the efficiency of human capital investment and utilization. The concept of HCA has been explored and developed by the OECD as a means to understand and implement the necessary adaptations individuals and nations must make to measure and utilize knowledge assets – knowledge resident in human beings – in relation to economic performance and prosperity. In 1996, the OECD concluded that public policy m... read more

The impact of auditing in any organization is of vital importance that their growth and retardation depend on it. According to Nwabueze (200:2) an audit is an independent examination of and expression of opinion of the financial statement of an enterprise by an appointed auditor in pursuance of the appointments and in compliance with any relevant law and regulation. An audit is an independent examination by an auditor of the evidence from which the final revenue account and balance sheet of an e... read more

The manufacturing sector of the economy is the most important sector and for obvious reasons it is affected by the unprecedented increase of banks high lending rate to borrowers. To appraise the effect of this situation prompted this study so as to provide theoretical and empirical evidence on the effect of high bank lending rate on the manufacturing sector of the Nigerian economy. Also, to determine the manufacturing sectors capacity, product pricing and sectors profitability. Questionnaires we... read more

Fraud is an epidemic dimension that has eaten deep into the banking sector as well as the entire economy. Itsdevastating effect manifests itself in the deteriorating balance sheet of banks as well as in economic backwardness. As a result, measures to eradicate fraud in banking sector become a central focus of the government and the monetary authorities. It was against this backdrop that this study was aimed at providing empirical evidence on the effect of fraud on performance of banks. Data for ... read more

Faced with the problem of insecurity on customer accounts, the Central Bank of Nigeria (CBN) on February, 2014 initiated a compulsory bank verification number exercise which provides account holders with a unique number that enables the account holder to have a single identity in the banking system, aimed at protecting bank customers from identity theft and other financial/economic crimes emanating in the banking sector of Nigeria (Orji, 2014) . The Bank Verification Number (BVN) is a bold s... read more

Corporate strategy is part of managerial economics that described the scope and direction of an organization over a long period of time. Corporate strategy is the process of the overall scope and direction of a corporation and the way in which its various business operations work to achieve their goals. This project is concerned about the responsibility among different participants in different organization such as the board, managers, shareholders, and other stakeholder and spells out the ru... read more

It is believed that the goal of every organization is to meet the needs and the requirements of its stakeholders. Meeting the needs and the requirements of the stakeholders will not only ensure the survival of the organization but also allow it to flourish. Customers are presumed to be one of the most important stakeholders in any organization because without them, organizations are not likely to succeed. Hence, marketers emphasize on research in the area of consumer behaviour and particularly b... read more

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. Banks that had been doing well suddenlyannounced large losses due to credit exposures that turned sour, interest rate position taken or derivate exposures that may or may not have been assumed to hedge balancesheetrisk Risk is a commonly... read more

Virtually, every business has a credit relationship with a financial institution, especially banks. Some rely on periodic short term loans to finance temporary working capital needs. Others primarily use long-term loans to finance capital expenditure, new acquisitions or permanent increases in capital. Regardless of the type of loan, all credit request mandate a systematic analysis of the borrower‟s ability to repay as at when due. Commercial banks carry on ordinary banking business with th... read more

The subject matter of this research work is to evaluate the extent to which Small Scale entrepreneurs in Enugu have been able to obtain loans and raise finance from Nigerian Commercial Banks as a major source of finance to the economy. The main objective of the study is to establish the role of Commercial Banks in financing Small Scale Enterprises (SSEs) in Enugu .A review of literature was done to ensure the conclusion of the study. Based on the analysis, Commercial Banks comply with the ... read more

The primary objectives of this study was to examine how the financial institution export finance in Nigeria using First Bank of Nigeria Plc Onitsha branch as a case study. In carrying out this study, I used survey method in which I used the questionnaire to collect data. The target population was the staff of first bank of Nigeria Plc Onitsha Branch from which a sample of 80 was drawn. I used research questions and formulated research hypotheses. The relevant literature was reviewed for the stud... read more

People establish firms to allocate their resource for the purpose of common goal, to earn the profit. To achieve this goal, they also interact with society. On the basis of their motives, organization can be divided into Profit organization, Government organization and Non for Profit organization. Profit oriented organizations try to maximize owner’s wealth, Government organizations define the regulations and structure of society in which firm continue its operations and not for profit organiz... read more

Customers are presumed the stakeholders of an organization and for an organization to flourish, the needs of the customers must be met. Without the presence of customers, the goals and objectives of an organization will not be achieved. It is therefore pertinent to carry out a research on the behaviors of customer, because knowledge of this will help an organization know how to deal rightly with their customers. In the 80s, the banking sector of Nigeria did not have many policies as regards t... read more

There have been a consistent agreement in the body of extant literatures (Daasi, 2012; Nelson & nelson, 2010; Gboski, Joshua & Stephen, 2007) that small and medium scale enterprises have the tendency to improve the economy of any nation through job creation and increased flow of finance to the economy calls for policy formulation and implementation that will enhance its growth and performance. However, the recent introduction of cashless policy by the central bank of Nigeria (CBN) has relegated ... read more

Nigerian banks in the face of increasing competition are currently facing enormous challenges which have made survival increasingly difficult. To survive and be successful providers of financial services, it is extremely important that the present environment should go with a new management order which will offer the customer satisfaction and make better business performance. It is evident that today customers have increasingly become so enlightened and aware of their importance that ignoring th... read more

Banks offer many vital services but must be seen to do so, by delivering efficient customer service. Service marketing is regarded as the pivotal force behind strategic planning and business operations, and, hence, as an intrinsic component of service organizational efforts. This research project is thus a search part for physical evidence and marketing effectiveness of banks in Port Harcourt and the price and process of marketing effectiveness of banks in Port Harcourt. Chapter one of the... read more

Implementing successful e-commerce service is not as easy as most people might think. Many obstacles exist and they all revolve around three major pieces of the electronic commerce puzzle-money, technology and people. Hence, there is limited research on e-commerce in developing countries particularly in Africa. Sometimes the cost of avoiding e-commerce is greater than the cost of initiating it. Web technology is still developing. Despite the global reach of e-commerce, not all country has taken ... read more

The general objective of this study is to examine the impact of micro-finance bank on the performance of small scale businesses in Delta State. The study will be on the performance of small scale industry business in Delta State the specific objectives not necessarily in order of priority are:- To see how micro finance bank will be the best to encourage banking habit among rural dwellers. The study also aims at improving the economic status of the small scale producer in the rural areas ... read more