Bank credit policies in Nigeria are very critical for some reasons. One bank credit is the oil on the wheel of economic growth. Two there is strong empirical evidence that the development of sound financial markets and institutions has significant relationships with long term economic growth....

The survey research design was adopted, and the study was specifically designed to evaluate the challenges of bank-credit among SMEs in Nigeria and make recommendations. Both the questionnaire and personal interview methods were used to generate data. Data generated were coded and analyzed...

Huge nonperforming loans portfolio erodes the ability of banks to make profits. In the 1990s and beyond many Nigerian banks became weak and highly unprofitable due to excessive nonperforming loans portfolio accumulated by bank promoters and management that led to their demise. Insider dealing...

Credit risk management is central to the success or failure of a banking institution because banks earn the greatest quantum of their interest income from interest on loans which represents a critical component of a bank’s profitability. Therefore, any carelessness with regard to credit risk...

This paper investigates lending technologies in the banking sector after the arrival of the information age, by examining investment in information technologies (IT) by U.S. commercial banks. Given the distinctive nature of banks’ dealings with information as they engage in lending activities,...

This paper investigates lending technologies in the banking sector after the arrival of the information age, by examining investment in information technologies (IT) by U.S. commercial banks. Given the distinctive nature of banks' dealings with information as they engage in lending activities,...

This paper studies the economics behind the investment in information technologies (IT) by U.S. commercial banks in the past decade. By linking banks' IT spending to their lending technologies, we analyze the distinctive natures of banks' dealings with information across various lending...