THE IMPACT OF ACCOUNTING ON BANK LENDING DECISION
Sold By: Joe Project Store | Item Type: Project Material | Report this? | Attributes: 45 pages | 1-5 chapters | Amount: ₦5,000 | Marked useful: 5,511 times
Delivery: Within 24 hoursTHE IMPACT OF ACCOUNTING ON BANK
LENDING DECISION
ABSTRACT
This study was embarked upon to ascertain one impact of Accountancy knowledge on bank lending decision. The study has a total of three chapters and first chapter titled the introduction started with preamble. Here on overview of accountancy knowledge on banking industry was undertaken.
The aims and objectives of the study were duly highlighted in chapter one. The aims and objectives of the study includes; to ascertain fairness, information and knowledge made available to bank management, to banking, the extent to which bank management utilized accounting information in lending decisions, it is likely to inform us of avoidance of bad debt in bank management with the use of accounting knowledge in their lending decision to suggest way which usage of accounting knowledge can be made more affective in bank lending system.
And finally, to make recommendation on ways of strengthening the positive contributions of banking sector to the national aconomy. This study’s aim and objectives were duly reflected in the research hypothesis which includes:- The more bank management utilized accounting information in bank transaction, the greater the tendency to make a profitable lending decision, the extent to which bank management use accounting knowledge to determine the extent to which bad debt can be avoided. The more bank officials verify proposal by the beneficiaries, the more the bank make a profitable investment.
Also the significance of the study which include both the theoretical and practical significance explained.
Chapter two included the literature review. Here the earlier works of erudite scholars, theorist and analysts and its relevance to the study were analyzed.
Chapter three is where the findings of the research were highlighted which included, that the accounting knowledge desirable and indispensable in bank lending decision, that the utilization of accounting to a higher percentage leads to profitable investment to the banks than did not employ it. We equally recommended that the study should be undertaken further and that accounting knowledge should be the basis of granting loans if profitable investment is to be made. I also recommended that project proposal should be demanded and verified before credit for them is granted. I finally conclude. The chapters and the project by admonishing on the importance of utilizing the finding of the research.
TABLE OF CONTENT TITLE PAGE
APPROVAL PAGE
DEDICATION
ACKNOWLEDGEMENT
ABSTRACT
TABLE OF CONTENT
CHAPTER ONE
1.0 INSTRODUCTION
1.1 STATEMENT OF THE PROBLEM
1.2 AIMS AND OBJECTIVES OF THE STUDY
1.3 THE SIGNIFICANCE OF THE STUDY
1.4 SCOPE AND LI MITATION OF THE STUDY
1.5 DEFINITION OF TERM
CHAPTER TWO
2.0 LITERATURE REVIEW
2.1 DECISION MAKING AND OVERVIEW
2.2 ACCOUNTIN KNOWLEDGE AND BANKING SERVICES
2.3 THE BANKING SYSTEM AND NATIONAL ECONOMY
2.4 THE ROLE OF ACCOUTING KNOWLEDGE IN BANKING
CHAPTER THREE
3.0 SUMMARY OF FINDING
3.1 DISCUSSION OF FINDING
3.2 CONCLUSION
3.3 RECOMMENDATIONS
BIBLIOGRAPHY
CHAPTER ONE
INTRODUCTION
In any business outfit, be it government or privately moment of decision making present challenges to the executive. Decision taking is the life wire of any organization as the future growth or retardation of the enterprise depends on the soundness of such decision. The decision making process is confronted by a lot of problems.
The dangerous trend in the banking industry has sent a disturbing wave to the national economy. In a rapid reaction to salvage the banking industry and save the economy from collapse; the government enacted the failed degree and established a tribunal to try the formal decision makers n the banks who have contributed to the bank’s failure.
The utilization of accounting knowledge in bank lending decision will make a lot of impact in enhancing bank growth and productivity, the usefulness to the lending decision as it is very useful in all operations in the banks.
Osisima (1990) classified accounting knowledge into three integrated parts, which includes store-keeping knowledge attention directing information and problem.
Also Nwobodo Okafor (1995) classified accounting knowledge into financial accounting system and management accounting system which includes records of profit and loss of the enterprises business activities and financial decision taken by management.
One of the ways bank lend money I through loan and this can be group into short term and long term loan, they advance money to their customers in various categories. Before bank lends money, they will make sure the borrowed money is going to be paid back at the appropriate time. They will also know the purpose in which that money is borrowed before affording it to the customer. Accounting knowledge represents the real life situation of the banks which cannot be ignored in lending.
Because of the importance of accounting knowledge in enhancing bank growth and development, we have decided especially in the era when so many banks are distressed and liquidated. As students of accountancy,
This material content is developed to serve as a GUIDE for students to conduct academic research
Delivery: Within 24 hours
Advertise Here
Not what you were looking for? Perform a search
What's your project topic?
Comment on Facebook:
Related Project Materials
- 1.
THE IMPACT OF COST REDUCTION TECHNIQUES ON THE PROFITABILITY OF MANUFACTURING COMPANIES
CHAPTER ONE INTRODUCTION 1.1 Background to the Study The proficiency of a company in cost management significantly influences its trajectory of exp...More »
Item Type: Project Material | 54 pages | 812 engagements |
- 2.
AN EXAMINATION OF THE RELATIONSHIP BETWEEN INVENTORY MANAGEMENT AND ORGANIZATIONAL PROFITABILITY IN ...
CHAPTER ONE INTRODUCTION Background of the study A critical constituent of current assets is inventory. It constitutes approximately 60% of its ove...More »
Item Type: Project Material | 54 pages | 455 engagements |
- 3.
THE IMPACT OF FINANCIAL LITERACY ON THE PERFORMANCE OF SMALL SCALE ENTERPRISES IN CAMEROON
CHAPTER ONE INTRODUCTION 1.1 Background to the Study Small scale enterprises' (SSEs) contribution to the national economy should not be undervalued...More »
Item Type: Project Material | 54 pages | 1,878 engagements |
- 4.
THE EFFECT OF GOOD RECORD MANAGEMENT IN ORGANIZATIONAL PERFORMANCE IN CAMEROON
CHAPTER ONE INTRODUCTION Background of the study Since time immemorial, information has been considered an essential resource for all types of orga...More »
Item Type: Project Material | 54 pages | 963 engagements |
- 5.
A STUDY ON THE IMPLICATIONS OF ETHICS IN FINANCIAL REPORTING ON MONEY DEPOSIT BANKS IN LAGOS
CHAPTER ONE INTRODUCTION 1.1 Background of the Study The idea that an entity's financial statements are subject to a set of rules dictated by estab...More »
Item Type: Project Material | 54 pages | 1,111 engagements |
- 6.
AN APPRAISAL OF GLOBAL HEALTH INITIATIVE IN RESPONSE TO PREVENTION TO PANDEMIC DISEASE IN NORTH WEST...
CHAPTER ONE INTRODUCTION Background of the study The Global Health Initiative (GHI) aims to enhance the effectiveness and influence of all U.S. for...More »
Item Type: Assignment | 54 pages | 1,338 engagements |