TABLE OF CONTENTS

COVER PAGE

TITLE PAGE

CERTIFICATION

DEDICATION

ACKNOWLEDGEMENT

ABSTRACT

PREFACE

TABLE OF CONTENTS

CHAPTER ONE

INTRODUCTION

1.1   BACK GROUND

1.2   PURPOSE OF THE STUDY

1.3   STATEMENT OF PROBLEMS

1.4   SCOPE OF THE STUDY

1.5   SIGNIFICANCE OF THE STUDY

CHAPTER TWO

2.0   REVIEN OF RELATED LITERATURE

2.1DEBT AND DEBT MANAGEMENT DEFINED

2.2   TYPES OF DEBT

2.3   HOW BANKS CREAT MONEY

2.4   COMMON CAUSES AND PROBLEMS OF BAD DEBTS

2.5   FUNDAMENTAL OF CREDIT ANALYSIS

2.6   PRUDENTIAL GIUDELINE IN NIGERIA N BANKING

2.7   MINIMISING RISK ASSOCIATES WITH BANK LENDING

2.8   THE NEED FOR FREQUENT GOVERNMENT REGULATION

2.9   SHORT COMING OF THE TRADITIONAL METHOD OF CREDIT ANALYSIS

CHAPTER THREE

3.0   RESEARCH DESIGN AND METHODLGY

3.1METHOD OF DATA COLLECTION

3.2   AREA OF STUDY

3.3   POPULATION

3.4   INSTRUMENT USED

3.5   METHOD OF DATA ANALYSIS

CHAPTER FOUR

PRESENTATION AND ANALYSIS OF DATA

CHAPTER FIVE

5.0   CONCLUSION

5.1SUMMARY OF FINDINGS

5.2   DISCUSSION

5.3   RECOMMENDATIONS

5.4   SUGGESTIONS FOR FURTHER RESEARCH

BIBLIOGRAPHY

APPENDIX

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