# IMPLICATION OF INTEREST RATE ON BANK LENDING IN NIGERIA A CASE STUDY OF ENTERPRISE BANK (A CASE STUDY OF ENTERPRISE BANK)

IMPLICATION OF INTEREST RATE ON BANK LENDING IN NIGERIA A CASE STUDY OF ENTERPRISE BANK  (A CASE STUDY OF ENTERPRISE BANK)
Title page                                                                                          i
Certification                                                                                      ii
Dedication                                                                                         iii
Acknowledgement                                                                             iv
Abstract                                                                                            vii
CHAPTER ONE: INTRODUCTION
1.1
Background of the Study                                                                   1
1.2
Statement of the Problem                                                        5
1.3
Research Question                                                                   6
1.4
Objective of Study                                                                   6
1.5
Statement of hypotheses                                                                   7
1.6
Significance of study                                                               7
1.7
Scope of the study                                                                             8
1.8
Definition of Terms                                                                 9
CHAPTER TWO: LITERATURE REVIEW
2.0     Literature
Review                                                                              11
2.1     Conceptual
Framework                                                                     17
2.2     Theoretical
framework                                                            34
2.3     Empirical
Framework                                                             40
CHAPTER THREE: RESEARCH
METHODOLOGY
3.1     Study
design                                                                            53
3.2     Sources
of data                                                                        53
3.3     Population
of the study                                                                    53
3.4     Method
of data Presentation                                                   54
3.5     Model
Specification                                                                 54
3.6     Model
Estimation                                                                             55
3.7     Variable
Description                                                               56
3.8     Sources
of data collection                                                        56
CHAPTER
FOUR: PRESENTATION AND ANALYSIS OF DATA
4.1     Empirical
Result                                                                      58
4.2     Interpretation
of Result                                                           59
CHAPTER FIVE SUMMARY, CONCLUSION AND RECOMMENDATION
5.1     Summary
63
5.2     Conclusion
63
5.3     Recommendations                                                                             64
References                                                                               65
Appendix
67

ABTRACT
The study aimed to test the effectiveness of the interest rate on bank
lending behaviours and how it affects the lending behaviour of Enterprise bank
in Nigeria.
The model used is estimated using enterprise bank (Heritage) loan and
advancement (LOA) and other determinants or variable such as their volume of
deposit (Vd) Interest (lending) rate (Ir) between the period of 2006 – 2013. the
model hypothesis shows that there is functional relationship between the
dependent variable and the independent variables. From the regression analysis,
the model was found to be significant and its estimators turned out as expected
and it was discovered that bank deposit have the greatest impact on their
lending behaviour. The study then suggests that bank should focus on mobilizing
more deposits as this will enhance their lending performance and should
formulate critical, realistic and comprehensive strategies and financial plan.
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