摘要
在我们国家动荡的经济中，情况经常变化，银行教育和商业经验还没有根深蒂固，银行不应该因为管理不善和对贷款组合的控制而措手不及。信用管理成为防止坏账或收回坏账的支柱。因此，本研究调查了银行部门信贷管理的有效性。在研究过程中，通过三个假设形成四个研究问题。欧宝体育app苹果该研究采用了调查研究设计，使研究人员能够引出受访者关于尼欧宝体育app苹果日利亚银行业信贷管理的有效性与研究变量有关的意见。欧宝体育官方app客户端六十(60)受访者的样本量被有意选择构成样本量。使用结构化问卷作为数据收集的工具，而描述性统计数据如均值、频率和百分比用于分析收集的数据。此外，卡方在0.05显著性水平下被用于假设检验。研究结果表明:尼日利亚银行业实施的信贷政策有效抑制了尼日利亚银行业的坏账;尼日利亚银行业的信贷管理有效地满足了尼日利亚银行业客户的需求; and Finally, the procedures put in place by the Nigerian banking sector are effective for the recovery of bad debt. In view of these findings, the researcher recommended that Nigerian banking sector should strictly adhere to the established credit policy to avoid bad debt; the credit policy should be update regularly in line with the changing nature of the nation’s economy; the credit administration should be made in such a way that it meets the customers’ satisfaction since customers are the key for every business development; Finally, the study recommends that the procedures put in place should be renewable to meet the changing nature of business.
