IMPLICATION OF INTEREST RATE ON BANK LENDING IN NIGERIA A CASE STUDY OF ENTERPRISE BANK (A CASE STUDY OF ENTERPRISE BANK)
TABLE OF CONTENTS
Title page i
Certification ii
Dedication iii
Acknowledgement iv
Table of contents v
Abstract vii
CHAPTER ONE: INTRODUCTION
1.1
Background of the Study 1
Background of the Study 1
1.2
Statement of the Problem 5
Statement of the Problem 5
1.3
Research Question 6
Research Question 6
1.4
Objective of Study 6
Objective of Study 6
1.5
Statement of hypotheses 7
Statement of hypotheses 7
1.6
Significance of study 7
Significance of study 7
1.7
Scope of the study 8
Scope of the study 8
1.8
Definition of Terms 9
Definition of Terms 9
CHAPTER TWO: LITERATURE REVIEW
2.0 Literature
Review 11
Review 11
2.1 Conceptual
Framework 17
Framework 17
2.2 Theoretical
framework 34
framework 34
2.3 Empirical
Framework 40
Framework 40
CHAPTER THREE: RESEARCH
METHODOLOGY
METHODOLOGY
3.1 Study
design 53
design 53
3.2 Sources
of data 53
of data 53
3.3 Population
of the study 53
of the study 53
3.4 Method
of data Presentation 54
of data Presentation 54
3.5 Model
Specification 54
Specification 54
3.6 Model
Estimation 55
Estimation 55
3.7 Variable
Description 56
Description 56
3.8 Sources
of data collection 56
of data collection 56
CHAPTER
FOUR: PRESENTATION AND ANALYSIS OF DATA
FOUR: PRESENTATION AND ANALYSIS OF DATA
4.1 Empirical
Result 58
Result 58
4.2 Interpretation
of Result 59
of Result 59
CHAPTER FIVE SUMMARY, CONCLUSION AND RECOMMENDATION
5.1 Summary
63
63
5.2 Conclusion
63
63
5.3 Recommendations 64
References 65
Appendix
67
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.
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.
HOW TO ORDER FOR COMPLETE PROJECT MATERIALSTEP 1
» Bank Branch Deposits, ATM/online transfers (Amount: ₦3,000 NGN)
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Bank: FIRST BANK Account Name: OMOOGUN TAIYE Account Number: 3116913871 Account Type: SAVINGS Amount: ₦3,000 AFTER PAYMENT, TEXT YOUR TOPIC AND VALID EMAIL ADDRESS TO 07064961036 OR 08068355992 OR Click Here |
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Bank: ACCESS BANK Account Name: OMOOGUN TAIYE Account Number: 0766765735 Account Type: SAVINGS Amount: ₦3,000 AFTER PAYMENT, TEXT YOUR TOPIC AND VALID EMAIL ADDRESS TO 07064961036 OR 08068355992 Click Here |
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Bank: HERITAGE BANK Account Name: OMOOGUN TAIYE Account Number: 1909068248 Account Type: SAVINGS Amount: ₦3,000 AFTER PAYMENT, TEXT YOUR TOPIC AND VALID EMAIL ADDRESS TO 07064961036 OR 08068355992 Click Here |