<p>
</p><p>Title page i</p><p>Approval page ii</p><p>Dedication iii</p><p>Acknowledgement iv</p><p>Abstract v</p><p><strong>
Chapter ONE
</strong></p><p><strong>INTRODUCTION</strong></p><p>1.1 Background of the study 1</p><p>1.2 Statement of the Problems 3</p><p>1.3 Objectives of the study 3</p><p>1.4 Research Questions 4</p><p>1.5 Research hypothesis 4</p><p>1.6 Significance of the Study 5</p><p>1.7 Scope and Limitation of the Study 7</p><p>1.8 Definition of operational Terms 9</p><p>References 12</p><p><strong>
Chapter TWO
</strong></p><p><strong>REVIEW OF RELATED LITERATURE</strong></p><p>2.1 An overview 13</p><p>2.2 Literature review 13</p><p>2.3 Debt and Debt Management Defined 14</p><p>2.4 Types of Debt 14</p><p>2.5 How Banks Create Money 16</p><p>2.6 Common Causes and Problems of bad Debts 21</p><p>2.7 Fundamental of Credit Analysis 27</p><p>2.8 Prudential Guideline in Nigerian Banking 31</p><p>2.9 Minimizing Risk Associates with Bank Lending 34</p><p>2.10 The Need for Frequent Government Regulation 38</p><p>2.11 Short Coming of the Traditional Method of</p><p>Credit Analysis 43</p><p><strong>
Chapter THREE
</strong></p><p><strong>RESEARCH METHODOLOGY AND DESIGN</strong></p><p>3.1 An overview 46</p><p>3.2 Sources of data 46</p><p>3.2.1 Primary data 46</p><p>3.2.2 Secondary data 47</p><p>3.3 Population of the study 47</p><p>3.4 Sample and Sampling Technique 48</p><p>3.5 Instrument use in collecting sample size 49</p><p>3.6 Validation and reliability of the Instrument used 49</p><p>3.7 Method of Data presentation and analysis 49</p><p><strong>
Chapter FOUR
</strong></p><p><strong>DATA PRESENTATION, ANALYSIS AND DISCUSSION OF FINDINGS</strong></p><p>4.1 An overview 52</p><p>4.2 Presentation of data 52</p><p>4.3 Presentation of analysis of data 61</p><p>4.4 Testing of hypothesis 62</p><p>4.5 Discussion of findings 64</p><p><strong>
Chapter FIVE
</strong></p><p><strong>SUMMARY OF FINDINGS, CONCLUSIONS AND RECOMMENDATIONS</strong></p><p>5.1 Summary of the Findings 65</p><p>5.2 Conclusions 68</p><p>5.3 Recommendations 68</p><p>5.4 Suggestions for further studies 69</p><p>Bibliography 71</p><p>Appendix I 72</p><p>Appendix II 73</p>
<br><p></p>