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Bank Loan Monitoring and Loan Performance

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Description

– Bank Loan Monitoring and Loan Performance –

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Abstract

For banks to achieve their goals there is the need to put in place structures that will keep loans active within the acceptable ratios defined by regulatory authorities.

Notable among these structures are the internal procedures designed to ensure appropriate procedure for credit appraisals, objective approvals of loan applications and proper credit administration of all disbursed funds.

Despite these, empirical evidences portray a different and disturbing picture as consistently the Nigeria banking system is characterized with high ratio of non-performing loans,

banks liquidity crises, shrinking profitability, general losses, eventual corporate failures and finally financial crises. These cast doubts as regards the institutionalization of loan monitoring mechanism in the banking system.

This study sought to establish whether there is a relationship between bank loan monitoring and loan performance among Deposit Money Banks (DMBs) in Nigeria. The survey and correlational designs were adopted for the study.

The research hypotheses were tested using Chi-Square and correlation techniques. The study found that there is a relationship between loan monitoring and loan performance among DMBs in Nigeria.

It is therefore concluded that there is a relationship between bank loan monitoring and loan performance and that the more effective and efficient the monitoring the higher the loans will remain active.

Introduction

1.1 Background of the Study

The existence of banks suggests they perform functions of intermediation between borrowers and savers more efficiently than is available via direct exchange in capital markets, (Richard, Kim, Ma& Martin 2011).

Deposit  Money Banking (DBM) plays  an important role in the development of world economies, where  it  serves  as  a vehicle that channels excess funds from those economic units that have surplus money in form of deposits and/or investments to those that are in need of ideal productive funds to boost their economic activities in form of loans and  advances.

This has made the role of DMBs in facilitating economic growth imperative.  From this we can comfortably reach some level of generalization that the essence of these banks is taking deposits from liability customers and making same available to their assets customers by way of granting loans/credit facilities.

However, in Nigeria this role is being played through a well-guided credit process by banks under the checks of regulatory authorities such as Central Bank of Nigeria (CBN) and Nigerian Deposit Insurance Corporation (NDIC).

Therefore,  the  banks and the regulatory authorities are charged with the responsibility of ensuring that the depositors’ funds are not lost and that the desired level of economic growth and developments are achieved.

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