Every business firm normally will like to know how it perform over a period of time thus leading to a preparation of profit and loss statement. They also ask about their position at a particular point in time, which lead then to proper balance sheet. Finally they will like to know where they are leading which led to the preparation of budget. Budgeting is a term that used by long man. Long confused budgeting with planning. a beget is part of a plan. A plan can be expressed in monetary and non... read more

The research was based on the topic “mobilizing Domestics savings for economic growth and development in the banking industry. (A case study of Union Bank of Nig PLC 1999 – 2000. In carrying out this research, I examined thoroughly. The various factors, which militates severely against the effective and efficient mobilization of domestic savings these factors were identified to range from the level of income earned of the saver. The interest rate that the bank pays on depots of customers, to... read more

Mass media have been a major agent of socialization and tool for social change especially now that people depend on message from mass media. The potential power of the mass media help solve social problems. television, radio and print advertising can entice people to buy a wide range of products and services, and newspaper messages and advertisement influence our ideas, values and behaviour. According to conventional wisdom, it could be possible to use mass communications to get people to ac... read more

This research is concerned with the role of social in curbing the spread of Ebola virus a case study of Facebook. Ebola virus was discovered in 1976 and since then 2,265 reported cases of Ebola fever in humans around the world of these victims, 1,531 resulted in death killed. Centers for Disease Control and Prevention, (CDC, 2012). In Nigeria, 56 cases have been reported of which 6 has been killed by the disease. It is against this background the researcher is willing to examine the attitu... read more

The level of fraud in the present day Nigeria has assumed on epidemic dimension. It has eaten deep into every aspect of our life to the extent that a three years old child talks about 419, the name given to the newly discovered fees fraud that is hunting us a nation. Fraud is defined as “deceit or tricking deliberately practiced in order to gain some advantages dishonestly.” For an action to constitute fraud therefore there must be a dishonest intention and the action must be intended to ben... read more

A country wealth development and advancement by its level of industrialization, a country becomes famous among other countries of the world when it has been able to attain to a remarkable degree in industrialization. In view of the above we have deemed it necessary to embark on a research project on “Banks participation in industrial development of Nigeria. This is an attempt and effort to draw the mind of every Nigeria to ask himself certain silent questions like. 1.2 STATEMENT OF P... read more

INTRODUCTION 1.1 BACKGROUND OF THE STUDY Even since the inception of the first three successful indigenous banks in Nigeria, the National Bank of Nigeria established on February 11th 1933, the Agbommagbe Bank (now wema Bank Nig Plc) in 1945, The African continental Bank Plc in 1947 and others subsequently established in the country during the period from 1952 when the first banking ordinance was enacted to regulate and control the activities of commercial banks in the country till pres... read more

CHAPTER ONE 1.1 GENERAL INTRODUCTION Loan syndication is an inter-bank relationship and facilities in carrying on a common interest in financing a project. Where client borrowing requirement are extremely large and the risk also very light that it exceed the capacity of one banks, as it is often the case with major industrial, commercial, or agricultural undertakings. One bank arranges in close association with the customer syndicate facilities by grouping a consortium of banks to me... read more

Agriculture has been the main stay of Nigerian economy before the Nigeria independence until the era of oil boom. Statistics show that in 1963/64 agriculture provided about 50% of the Gross National Product (GNP) and 88% of the country’s basic foreign exchange earner of crops like palm oil, palm kernels, cocoa, cotton, groundnut, cereal, woods as raw material for their industries. Although after independence a gradual drift in cities in search of white-collar jobs began and this handicappe... read more

The banking decree of 1969 in defining the banking business incorporated all the functions of the institutions. However, in terms of what services banks offer to the public, three stand out distinctly deposit and payment mechanism, finance and credit and money creation. The role the banks play by facilitating payments for goods and services without the need to hold hand to hand currency cannot be overemphasized. By the use of the deposit and payment by cheques the settlement of debts by mea... read more

1.0 INTRODUCTION: 1.1 BACKGROUND OF THE STUDY: Bank lending is concerned with provision of funds for needy customers as loans from the savings of the fund surplus units paid into the bank. Due to the established fact that the saved fund is at the disposal of the bank for specified period, the bank can thus provide these funds to their customers who may have greater use for these funds at the time. The reason behind bank lending is the need to attain some economic growth through lending... read more

Agriculture is defined as “the cultivation of land for the purpose of producing food for man, feed for animal and fibre or raw material for industrial companies. It also includes the processing marketing of crops. In other words, it embraces all activities involved in the primary and controlled production of plant and animals, such as fishing, forestry, farming, livestock, poultry and small scale industries connected with processing of agricultural products. The agricultural sector forms ... read more

The origin of banking in Nigeria date back to the days of goldsmith in Venice and up till today personal services is still the main of banks output for her customers. Services is the central banks motto in the distribution of its various production packages and marketing strategy implementation. It is also the bulwark of the industry in the fact of stringent government guideline and harsh monetary or fiscal policies. This is the view by Oguntade Adekunle M, In business times issue at February... read more

INTRODUCTION The importance of capital as a necessity though not sufficient condition for economic growth is recognized in development economy where it is believed that the position of adequate financial resources is a pre-requisite for industrial transformation. Experiences in some countries notably Japan, India and Germany have shown that banks if sufficiently in their respective countries could serve as an engine of growth to greatly assist the promotion of rapid economic transformatio... read more

In Nigeria, the banking industry witnessed lots of challenges due to increase in the awareness and utilization of banking services. The demand for bank services equally increased the staff strength and branches of most Nigerian banks. In spite of this these adjustments the banks cannot satisfy the demands of some of their transactions were based on manual and physical present of their customers. Modern Internet banking brought to relief to the increased volume and complexity of banking operat... read more

A Tax is a fee charged or levied by a government on a product, income, or activity. If it is levied directly on personal or corporate income, it is called a direct tax. If it is levied on the price of a good or service, then it is called an indirect tax. The main reason for taxation is to finance government expenditure and to redistribute wealth which translates to financing development of the country (Ola, 2001 Jhingan, 2004, Musgrave and Musgrave, 2004. Bhartia, 2009). Whether the taxes collec... read more

One of the challenges to the economics and special well being of Nigerian in the past five years is the steady decline in the number of transport facilities nation wide. Nigeria is presently on the verge of an imminent crisis and a state of paralysis in transportation. This is particularly manifested the problems being experienced in our transportation modes such as airways, road and water ways are all over abrasive and are greatly experiencing a number of bottlenecks, and shortage either in rol... read more

Electronic banking have long been recognized to play an important role in economic development on the basis of their ability to create liquidity in the economy through financial intermediation between savers and borrowers. It also offers financial services and products that accelerate settlement of transactions and in the process reduce cash intensity in the financial system, encourage banking culture, and catalyses economic growth. However, for the effective functioning of the financial syst... read more

1.1 HISTORICAL BACKGROUND The idea of manpower planning and development on a global scale stated during the Second World War. This was a result of the shortage of labour in the industries where much of them were asked to go to war. The need for manpower was great that U.S government set up a national, agency called war manpower resources to control and allocate human resources, food metal petroleum and other critical resources. The effective functioning of the strategies could be u... read more

Agriculture sectors is one of the earliest sector, it starts when man has to survive as gathering of fruits and nuts. He has depended on the natural burning of the forest and water body. It is only recently as perhaps ten thousand year ago that man began to adopt and attempt to domesticate animals and plants. He began the transition from primitive hunting and gathering and the practices of animal’s husbandry and tilling of the land. At first, he did this unconsciously but as time passed he ... read more