ABSTRACT
Effective loan entails ways of achieving it. It
was discovered that the views of the management of commercial banks on
profitability is referred to as the amount of credit facilities which banks can
consistently maintain for their large number of customers and where the
provisions of such facilities is lacking, it will amount to setting the banking
system backwards and destroying the idea already put in place to achieving a
sustainable economic growth and development by the government of this country-Nigeria.
It has also been observed that effective loan management has a direct impact on
the profitability of commercial banks in Nigeria provided the management will
always maintain the canons of granting loans such as character, capacity,
capital, condition and collateral, to ensure Bank customer relationship. In
carrying out this work, data were collected from interviewed questions.
Questionnaire theoretical framework which highlighted the very problem that
aroused the interest of the researcher to carry out this work, were all sources
used in gathering different opinions on the topic. Analysis of the data was
carried out with the use of frequency tables' simple percentage and statistical
method (use of chi-square). After carrying out the analysis on the data, it was
discovered that high interest rate scares away potential investors from
borrowing, thus, this policy according or the study, does not help the economy
of the country. This finding however, reflected on the table II of the study
were 98% confirmed. Whether those who borrowed from the bank has been meeting
up with the firm frame, the study discovered that 75% confirmed it right
meaning despite the continued effect of economic meltdown, majority of the
borrowers still pay back on time.
OGORI, . (2024). Impact Of Effective Loan Management On The Profitability Of Commercial Banks (A Study Of The First Bank Of Nigeria Plc, Umuahia Branch):- Ogori Kalu .A. Mouau.afribary.org: Retrieved Oct 30, 2024, from https://repository.mouau.edu.ng/work/view/impact-of-effective-loan-management-on-the-profitability-of-commercial-banks-a-study-of-the-first-bank-of-nigeria-plc-umuahia-branch-ogori-kalu-a-7-2
.A, OGORI. "Impact Of Effective Loan Management On The Profitability Of Commercial Banks (A Study Of The First Bank Of Nigeria Plc, Umuahia Branch):- Ogori Kalu .A" Mouau.afribary.org. Mouau.afribary.org, 12 Aug. 2024, https://repository.mouau.edu.ng/work/view/impact-of-effective-loan-management-on-the-profitability-of-commercial-banks-a-study-of-the-first-bank-of-nigeria-plc-umuahia-branch-ogori-kalu-a-7-2. Accessed 30 Oct. 2024.
.A, OGORI. "Impact Of Effective Loan Management On The Profitability Of Commercial Banks (A Study Of The First Bank Of Nigeria Plc, Umuahia Branch):- Ogori Kalu .A". Mouau.afribary.org, Mouau.afribary.org, 12 Aug. 2024. Web. 30 Oct. 2024. < https://repository.mouau.edu.ng/work/view/impact-of-effective-loan-management-on-the-profitability-of-commercial-banks-a-study-of-the-first-bank-of-nigeria-plc-umuahia-branch-ogori-kalu-a-7-2 >.
.A, OGORI. "Impact Of Effective Loan Management On The Profitability Of Commercial Banks (A Study Of The First Bank Of Nigeria Plc, Umuahia Branch):- Ogori Kalu .A" Mouau.afribary.org (2024). Accessed 30 Oct. 2024. https://repository.mouau.edu.ng/work/view/impact-of-effective-loan-management-on-the-profitability-of-commercial-banks-a-study-of-the-first-bank-of-nigeria-plc-umuahia-branch-ogori-kalu-a-7-2