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Product Category: Projects
Product Code: 00001780
No of Pages: 57
No of Chapters: 5
File Format: Microsoft Word
Price :
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ABSTRACTS
The research
work is based on the effective of government interference in management of
financial institution. In this study it
has been revealed that this interference on financial institution by government
as a whole is a noble in the right direct. This
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TABLE OF
CONTENTS
Title page
Certification
page:………………………………………...i
Dedication :……………………………………………….ii
Acknowledgement:……………………………………….iii
Abstract:………………………………………………….iv
Table of
contents:………………………………………..v-vi
CHAPTER ONE
1.0
Introduction:………………………………………….1-3
1.1 background of the study:……………………………..3-5
1.2 statement of the problem:…………………………….5-6
1.3 objective of the study:………………………………..6-7
1.4 research questions:…………………………………...7
1.5 research hypothesis:………………………………….7
1.6 significance of the study:…………………………….7-8
1.7 scope of the study:…………………………………...9
1.8 limitation of the study:………………………………9-10
1.9 definition of terms:………………………………….10-11
CHAPTER TWO
2.1
management:………………………………………..12-13
2.2
theoretical frame work literature review:…………...13-15
2.2.i central bank of Nigeria recent policy on
financial institution:
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2.2.iii union bank operational rules
regulation and result
2.2.iv government policy and decree on financial
institution
2.2.v government roles in financial
institution:…………..35-36
References:……………………………………………….37
CHAPTER THREE
3.0 research methodology:……………………………..38
3.1 research design:……………………………………38
3.2 population of the study:……………………………38-39
3.3 sample size determination:………………………..39-40
3.4 sampling procedure/techniques:…………………..40-41
3.6 method of data analysis:…………………………..41
CHAPTER FOUR
4.1
analysis of data presentation of result:……………42-43
4.2
question 2:………………………………………...43-44
4.3
summary of result:………………………………..45
CHAPTER FIVE
5.1
summary of the study findings:…………………..46-48
5.2
conclusion:……………………………………….48-49
5.3
recommendation;………………………………...49-50
5.4
suggestion for further research:………………….50
Appendix
1:……………………………………………51
Appendix
11:………………………………………….52-53
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CHAPTER ONE
1.0 INTRODUCTION
Management
has been defined as the process of combining and utilizing organization
resource of managerial to accomplish organization objectives. It is also a process
entailing responsibility for effective planning and regulation of operation in
an enterprise in fulfillment of a given purpose or task.
What
then do we actually means by interference? Interference according to Webster’s
dictionary is to take an active but unwelcome part in some else activity.
In
this study it has been revealed that this interference on financial institution
by government as a whole is a noble in the right direct. This
It
is well known fact that number of service of financial institutions offers have
increased by taking a fundamental nature of their business and it remains
unchanged. This has led to conclusion that management in financial institution
is surrounded with risk. Management which involves mismatches of assets and
liabilities and it is cost borrowing and lending on the other side. To nurture
the economy is to loan the part of development that has been the role of
financial institution, mostly banks which has been constrained by number of
facts in to the past price.
Now
the industrial sector has been characterize by massive government involvement
because of weak technolocal base, lack of linkages in infrastructure and policy
investment highly production cost and goods that were uncompetitive
internationally. Over the entire micro economic environment was highly
unstable, witnessing capital fight, high interest or inflation rates negative real
growth rates and fiscal excesses. With an external debt burden of about 27.46 at
the end of 1997, the repayment burden put constraint on growth. Since 1995,
however the federal government has been able to store some measure of fiscal
discipline through low budget deficits which achieved stable interest and
exchange rates regimes while pushing down inflation to a simple digit of 8.5
percent in 1998.
Aggressive
reform and sanitation of the financial institution source were pursued. On the
other hand little or no attention was paid to the vital area of privatization
of government utilities liberalization of the economic and improvement of
infrastructure. The above review of the economy has been undertaken and other
financial institutions were supposed to operate and provide financial to the
industrial sector. Therefore, form the above review the researcher wants to use
this study to explore those factors emanated from government interference in
the management of financial institutions that inhibited them from effective
discharging, their responsibility to the economy generally using the rules and
regulation of Union bank PLC to determine the extent it has contributed both
positively and negative part of such interference in the institution.
1.1 BACKGROUND OF THE STUDY
The
Many
commercial and merchant bank were liquidated with 26 banks (13 each for
commercial and merchant) liquidated as recently as January 16, 1989. In this
case Union bank of Nigeria PLC
Therefore
the interference has help to accept the risk job of greater mobilization of
saving from the surplus units and channel them to the deficit productive units
of the economy and to ensure that no unable project is frustrated due to lack
of funds and greater facilitation of synergies and sartorial linkages within
the economy. There are still problem resulting in such interference of which union
bank are complaining of.
The
effect of government interference in the management of union bank plc also
covers limits of permissible business risk concentration capital and liquidity
adequacy and statutory returns. The monetary aspect of regulatory includes
control of over loading general structure of leading rates reserve requirement
and foreign exchange. There are also regulation covering advertising staff
loan. Loan directors and inside dealing supervision is employed to ensure
effective management and control. The criticism led to gradual deregulation in
1984 and was subsequently accelerated with the adoption of (SAP) programme
which gives room for the operation of free market forces given financial
instructions and more direction to their operation and stimulation competitions
in the financial system as a whole.
Consequently
in 1988 the
1.2 STATEMENT OF THE PROBLEM
Despite
the interference of government in the management of financial institution
existence in
Establishing
of more financial institution by both government and individual were
implemented to solve the problem of poor service to customers and also
dominance of foreign based bank by Nigeria indigenous bank to help in
encouraging improved banking system in Nigeria, but still there is high
production costs and goods that were uncompetitive, internally high interest
rates and right among bank directors and unprecedented industrial unrest within
the sector it exist due to shallow knowledge of management policy and
regulation in this sectors of economy which help in paralyzing the whole
system.
Also
the problem exists due to hard core of such regulation and deregulation of
policy to the financial institution.
1.3 OBJECTIVE OF THE STUDY
The main purpose of this
study are:
1. To find out how union bank of Nigeria
PLC is employing the government policy to ensure sound banking system towards
acceleration of economic development in
2. To determine their growth and
survival in the faces of various banking ordinance that was consolidated in
central bank number 24 decrees of 1991 and the present day decrees.
3. To ascertain the effect of government
interference in the management of financial institution and type of environment
it has created for the proper existence of financial instruction whether it is
on the right director.
1.4 RESEARCH QUESTIONS
1. Have the regulatory roles made union
bank big, strong, and reliable?
2. Have government interference created
a greater mobilization and measures in financial institution?
3. Have the regulatory rule experienced
better than deregulatory role today?
1.5
RESEARCH HYPOTHESIS
In order to give focus to
the study the following hypothesis were formulated.
Ho: the quality of
sources rendered by the union bank lead to increased on people patronage.
Hi: the quality of
service render by government interference to management.
Ho: the cost charges on
services by bank to citizen.
1.6
SIGNIFICANCE OF THE STUDY
The findings of this
study would be useful to the union bank of Nigeria PLC and the management of
financial institution in general as a guide to the banking system and formation
of policies and decrees relative to the effectiveness the institution. The
study would provide a data base for future researchers on the effect of
government interference on financial institution.
The study also serve as
an additional material to the work will as a long way in educating the readers
on the significance of examining the achievement of government and how it helps
to improve economy sector mostly on the part of monopoly especially in
financial institution.
The study will provide in
data base for future researcher on the effect of government interference on
financial institution.
The study also serve as
an additional material to the work and it will go a long way in educating the
renders on the significance of examining the achievement of government and how
it helps to improve economy sector mostly on the part of monopoly especially in
financial institution.
The study will provide in
data base for future researcher in government interference in the management of
financial institution and add to the material outstanding in the library.
This study would be of
important to any reader and assist government and financial institution in
reviving their various policies.
1.7 SCOPE OF THE STUDY
This
study is interned to cover:
a. The new policies and decrees
introduced in financial institution since the inception of structural
adjustment programme in 1996.
b. The impact of these policies on the
operation of union bank of Nigeria PLC
c. The challenges posed by these
policies and decrees and the central bank effort to control the problem that
arises by the implementation of the policies and regulation.
d. This study will also cover the
problems of union bank of Nigeria PLC which they encountered due to some
government control in the management of their affairs and also the position
aspect of the policies to the management of union bank Nigeria PLC.
1.8 LIMITATION OF THE STUDY
Studies
of this nature are prone to limitation. My experience during data collection
are the most of the respondent interrogate when regulate to addressing the
question pose to them. They contended that this would be tantamount to exposing
the company’s policies to the public and that their competition will capitalize
on such policies of divulged.
SECRECY:
In spite of the fact that the
researcher explained the management of union bank that her study was purely
academic test and the management was reluctant to information.
TIME:
Enough time required for collection
of data and other relevant facts. The researcher a final year student has to
case the already limited time partly to read because of the work for her
examination this time has affected the researcher.
COST:
A thorough research work imposed a
huge financial burden that cannot be borne easily by a student for this reason
the researcher had to be restricted to a small financial institution. (union
bank Nigeria PLC
1.9 DEFINITION OF TERMS:
FINANCIAL INSTITUTION:
This
is the organization that responds to the financial system in the country, they
provide both short term and long term fund.
EFFECTIVE OPERATIONS
Being active progressive
and consistent to financial institution operation on service.
REGULATION:
Regulation
is an act of being regulated or control role of governing a group of people.
POLICY:
A
selected planned line of product in light at which individual decision is made
and co-ordinate achieved. This can be chosen by government or business.
IMMENSELY:
Valued too much.
MANAGEMENT:
Managing
or being managed by the body of those in position of administrative authority.
INTERFERENCE:
Interference is to take an active but unwelcome part in some of active.
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