ABSTRACT
The need for the internal control
systems in the organisations, especially banks cannot be undermined, due to the
fact that the banking sector, which has a crucial role to play in the economic
development of a nation is now being characterized by macro economic
instability, slow growth in real economic activities, corruption and the risk
of fraud. Fraud, which is the major reason for setting up on internal control
system, has become a great pain in the neck of many Nigerian banks managers.
systems in the organisations, especially banks cannot be undermined, due to the
fact that the banking sector, which has a crucial role to play in the economic
development of a nation is now being characterized by macro economic
instability, slow growth in real economic activities, corruption and the risk
of fraud. Fraud, which is the major reason for setting up on internal control
system, has become a great pain in the neck of many Nigerian banks managers.
Data were collected through the use
of primary and secondary source. Theses include the interviewed, place visited,
documents scrutinized, operations observed etc, as earlier stated, the primary
objective of the research is to examine; why bank frauds are perpetuated. The
perpetrators of bank fraud and measure of preventing, detecting and controlling
bank fraud. Therefore all the methods of data collection, the nature and
population of data collected, all land credence to the attainment of the
objective hence, as much as possible, all relevant data a
of primary and secondary source. Theses include the interviewed, place visited,
documents scrutinized, operations observed etc, as earlier stated, the primary
objective of the research is to examine; why bank frauds are perpetuated. The
perpetrators of bank fraud and measure of preventing, detecting and controlling
bank fraud. Therefore all the methods of data collection, the nature and
population of data collected, all land credence to the attainment of the
objective hence, as much as possible, all relevant data a
Based on the findings on the project
work, the recommendation would help to eliminate the problem that is
encountered by the Nigerian Banks which ensures that strict compliance with the
internal control system to prevent and detect the bank.
work, the recommendation would help to eliminate the problem that is
encountered by the Nigerian Banks which ensures that strict compliance with the
internal control system to prevent and detect the bank.
TABLE OF CONTENTS
Title i
Certification iii
Dedication iv
Acknowledgements v
Abstract vii
Table of Content ix
CHAPTER ONE
1.0
Introduction 1
Introduction 1
1.1 Background to
the Study 1
the Study 1
1.2 Statement of the
Problem 5
Problem 5
1.3 Objectives of
the Study 5
the Study 5
1.4 Significance of
the Study 6
the Study 6
1.5 Research
Questions/Hypothesis 7
Questions/Hypothesis 7
1.6 Research
Methodology 8
Methodology 8
1.7 Scope and
Limitation of the Study 9
Limitation of the Study 9
1.8 Definition
of Terms 10
of Terms 10
1.9 Organisation of
the Study 12
the Study 12
End of Chapter References 14
CHAPTER TWO
2.0 Literature
Review 15
Review 15
2.1
Conceptual
Explanations 17
Conceptual
Explanations 17
2.2 Theoretical
Framework in Nigerian Banks. 22
Framework in Nigerian Banks. 22
2.2.1 Types of Frauds
in the Nigeria
Banks 23
in the Nigeria
Banks 23
2.3 Recent Theories
on Prevention of Bank Frauds 26
on Prevention of Bank Frauds 26
2.3.1 Fraud Detection 28
2.4 Review on the
Method of Improving Banks Performance 32
Method of Improving Banks Performance 32
2.4.1 Savings Account 33
2.4.2 Current Account 34
End of Chapter References 36
CHAPTER THREE
3.0 Research
Methodology 38
Methodology 38
3.1 Research Focus 38
3.2 Research Instruments
38
38
3.3 Restatement of
Research Questions/Hypotheses 40
Research Questions/Hypotheses 40
3.4 Description
of the Population and Sample of the Study 41
of the Population and Sample of the Study 41
3.5 Source of Data
Collection 42
Collection 42
3.6 Description
of Questionnaire 43
of Questionnaire 43
3.7 Methods
of Data Analysis and Description
of Data Analysis and Description
of Tools of Analysis 44
End of Chapter References 46
CHAPTER FOUR
4.0
Data
Analysis Interpretation and Discussion on Findings 47
Data
Analysis Interpretation and Discussion on Findings 47
4.1 Interpretation of
Items
47
Items
47
4.2 Analysis of Data
48
48
4.3 Analysis of
Tables 52
Tables 52
4.4 Test of Hypothesis 54
End of Chapter References 59
CHAPTER FIVE
5.0
Summary,
Conclusion, Recommendations
Summary,
Conclusion, Recommendations
and Suggestions For
Further Studies 60
Further Studies 60
5.1 Summary 60
5.2 Conclusion 62
5.3 Recommendations 63
5.4 Suggestions for
Further Studies 66
Further Studies 66
End of Chapter References 67
Bibliography 68
Appendices. (Questionnaire) 70
CHAPTER ONE
2.0
INTRODUCTION
INTRODUCTION
1.1 BACKGROUND TO THE STUDY
Bello
(2001) it is feared that inability of banking management to ensure effective
enforcement of rules and reg
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