Federal University Oye-Ekiti Institutional Repository >
Department of Economics and Development >
Economics and Development Journal Publications >

Please use this identifier to cite or link to this item: http://repository.fuoye.edu.ng/handle/123456789/951

Title: Lending Rate, Bad Debt and Credit Management in Nigeria Commercial Banks: A VAR Analysis
Keywords: Bad Debt, Lending Rate, Credit Management, VAR, Nigeria
Issue Date: Feb-2015
Publisher: American Journal of Economics, Finance and Management.
Citation: Agu O.C. and Ogbuagu M. I.(2015) Lending Rate, Bad Debt and Credit Management in Nigeria Commercial Banks: A VAR Analysis. American Journal of Economics, Finance and Management
Series/Report no.: Vol. 1, No. 3;Vol. 1, No. 3
Abstract: This paper examines the causes of bad and doubtful debt in Nigeria commercial banks. It presents a framework to x-ray the risk and to validate the checks and balances to prevent or rather reduce the risk. The study uses both primary and secondary tools for data collection to determine causes of bad debts. Analysis of Variance (ANOVA) and Vector Autoregressive (VAR) model were applied to validate the result spanning the period 1993(Quarter 1) to 2011(Quarter 4). The Impulse response shows that incessant increase in interest rate is a strong and statistically important factor that causes bad debt in Nigeria commercial banks. Bank`s Management should establish sound lending policies, adequate credit administration procedure, effective and efficient machinery to monitor lending function with established guidelines, reduce interest rates on lending etc.
URI: http://repository.fuoye.edu.ng/handle/123456789/951
ISSN: Vol. 1, No. 3
Appears in Collections:Economics and Development Journal Publications

Files in This Item:

File Description SizeFormat
Lending Rate and nigeria commercial banks.pdf207.24 kBAdobe PDFView/Open
View Statistics

Items in DSpace are protected by copyright, with all rights reserved, unless otherwise indicated.


Valid XHTML 1.0! DSpace Software Copyright © 2002-2010  Duraspace - Feedback