Credit Management and the Incidence of Bad Debt

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CREDIT MANAGEMENT AND THE INCIDENCE OF BAD DEBT IN
NIGERIA MONEY-DEPOSIT BANKS.
(A CASE STUDY OF UNION BANK OF NIGERIA PLC)

BY
NWOKOLO CHIMEZIE THANKGOD
BF̸ 2005 ̸ 027

A PROJECT SUBMITTED TO THE DEPARTMENT OF
BANKING AND FINANCE
IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE AWARD OF BACHELOR OF SCIENCE (B . SC HONS) DEGREE IN BANKING AND FINANCE

FACULTY OF MANAGEMENT AND SOCIAL SCIENCES
CARITAS UNIVERSITY, AMORJI-NIKE ENUGU

AUGUST 2010

CERTIFICATION
I Nwokolo Chimezie T. an Undergraduate student of banking and finance with Reg No BF/ 2005 / 027 have submitted this project report for the award of degree in Banking and Finance.This project report is an original work and has not been submitted in part or in full for any degree or diploma in this University or any other instituion. ¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯ ¯¯¯¯¯¯¯¯¯¯¯¯¯¯ Nwokolo Chimezie.T Date We certify that this project has been successfully defended and accepted for the award of the degree of B . sc in Banking and finance.

¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯ ¯¯¯¯¯¯¯¯¯¯¯¯¯¯ MR. M.C Ezeamama
(Project supervisor) Date

¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯ ¯¯¯¯¯¯¯¯¯¯¯¯¯¯ MR.I.G.Okafor
( Head of Department) Date

¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯ ¯¯¯¯¯¯¯¯¯¯¯¯¯¯ (External Examiner) Date

APPROVAL PAGE
This report has been received and approved for the Department of Banking and Finance

¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯ ¯¯¯¯¯¯¯¯¯¯¯¯¯¯ MR.M.C.Ezeamam MR.I.G.Okafor ( Project Supervisor ) ( Head of Dept )

DEDICATION
This project work is highly dedicated to God Almighty the author and finisher of my faith for his grace and kindness throughout the program.

ACKNOWLEDGEMENT
I hereby register my profound gratitude to God Almighty who gave me good health, wisdom and ennoblement that saw this project work through. I am very much indebted to all those who contributed in one way or the other to the successful completion of this project. I thank my supervisor in the person of Mr.Ezeamama Martins who had swift solution to all my pressing problems during the course of the write-up. I equally extend my regards to my Head of Department Mr. I.G. Okafor and to my other lecturers Prof. F. Okafor, Mr. Anthony Nwadiubu, Mr. Takon S. M. and Mrs. Ebere Nsofor for their supports. My greatest appreciation goes to my parents Chief & Mrs. E.A Nwokolo for their untiring efforts and financial support and also to my brothers and sisters Mr.Izuchukwu, Mr.Ifediora, Mrs.Oluchi, Mrs.Amara, Mrs Chinelo, Chibueze and Nnamdi for their wonderful encouragement and support. My special thanks goes to my in-law Mr....
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