THE IMPACT OF MANAGEMENT INFORMATION ON BANK LENDING DECISION

THE IMPACT OF MANAGEMENT INFORMATION ON BANK LENDING DECISION

PROPOSAL

This topic is embarked upon to as certain on the impact of management information on bank lending decision. This topic will be discussed in five chapters.

It is to emphasize that the more bank management utilize management information in bank transaction, the greater the tendency to make profitable lending decision, the extent to which bank management uses accounting information to determining the extent to which bad debt can be avoided, the more bank official verify proposal by the beneficiaries, the more the bank make a profitable investment.

Management information is desirable and indispensable in bank lending decision that the utilization of the accounting to a higher percentage hand to a profitable investment to the bank that employ it and profitable investment to the bank that did not employ it.

TABLE OF CONTENTS

TITLE PAGE                                                                          i

APPROVAL PAGE                                                                ii

DEDICATION                                                                        iii

ACKNOWLEDGMENT                                                                   iv

PROPOSAL

CHAPTER ONE

INTRODUCTION

1.1  BACKGROUND OF THE STUDY

1.2  STATEMENT OF PROBLEM

1.3  OBJECTIVES OF STUDY

1.4  SIGNIFICANCE OF STUDY

1.5  SCOPE AND LIMITATION OF STUDY

1.6  DEFINITION OF TERMS

CHAPTER TWO

REVIEW OF RELATED LITERATURE

2.1 ORIGIN OF THE STUDY

2.2 DECISION-MAKING AND INFORMATION OVERVIEW

2.3 MANAGEMENT INFORMATION AND BANKING SERVICES

2.4 THE BANKING SYSTEM AND NATIONAL ECONOMY

CHAPTER THREE

RESEARCH DESIGN AND METHODOLOGY

3.1 SOURCES OF DATA

3.2 LOCATION OF DATA

3.3 METHOD OF DATA COLLECTION

CHAPTER FOUR

4.1 FINDINGS

CHAPTER FIVE

5.1 RECOMMENDATION

5.2 CONCLUSION

CHAPTER ONE

1.1  INTRODUCTION

BACKGROUND OF THE STUDY

The bank has a full range of banking services and products provided to delight their customers. They include: personal savings account, personal current account, standard share account, domiciliary account and so on

Decision taking is a life wire of any organization as the future growth of the enterprise depends largely on the soundness and unsoundness of such decision. For the banking sector in particular, the importance of valid decision in enhancing its growth and profitability cannot be over stretched. The banking industry in Nigeria is in a state of chaos.

The utilization of management information on banks lending decisions will make a lot of impact in enhancing banking growth and productivity.

The usefulness of the management information cannot be very useful in all operations in the banks. Management information contains such details as regard banks financial standing and long-term viability, some of the ways banks lend money are through banks overdraft and other advances it can categorize of its customers. Before banks lend money, they will be interested in the ability of their customers to pay interest on borrowed loan as well as their ability to refund the loan at the appropriate time.

Management information is indispensable in granting such loan, overdraft and other advances also in monitoring the realized of the disbursed funds.

Before the decisions are reached, management information should be sought for to provide the choices as well as the outcome of the possible decision.

The major aims of banks is maximizing profit, the management of the bank use data and basis, provided in management information in taking useful decision that is in line with the goals of the organization.

Management information is very useful in planning co-ordinating and control. Moreover, with management information, every lending decision will be based on data that have first of all to be selected, collected, verified and subsequently utilized for growth, profitability and viability of the bank.

1.2  STATEMENT OF PROBLEM

The recent development in the banking industry in Nigeria have shown the most of the bank management and decision takers have grossly violate in their operation.