IMPACT OF ADEQUATE WORKING CAPITAL ON PROFITABILITY OF BANKS (A CASE STUDY OF WEMA BANK PLC)

ABSTRACT

This project examines the issues of working capital management in banks specifically, it focuses attention on an efficient and effective. Working Capital Management using the case study of Wema Bank Plc. The study examines and expatiates on the merit of maintaining an efficient working capital portfolio in an organization. It focuses on the efficiently managed. In the project, a critical assessment of the relationship between the various components of working capital as an important tools to enhancing profitability and liquidity as well as the rudiment for the effective working capital management within any organization was done. It was discovered that fro a bank to maximize the wealth of its share holders the bank should earn a steady amount of profit from its operation. Hence the bank needs an adequate working capital level to generate sufficient returns. Working capital in bank refers to items required by the bank to ensure efficient delivery of its operation on day-to-day basis. If can be defined as the excess of current asset over current asset over current liabilities. Liquidity ratio measure the ability of the bank to meet its current obligation as they become due, failure of bank to meet its obligation due to lack of sufficient liquidity would result in loss o customers goodwill. Depositors will lose confidence in the bank and this may eventually result to a legal tangle and hence closure of the bank. Liquidity is however measure with following ratios. Current Ratio = Current Asset                                                                                                                   Current Liabilities            

In banks liquidity is usually assessed by using cash ratio which is.

Cash + Marketability Security

   Current Liabilities

In order to achieve the aims and objectives of this study, the banks working capital was carefully examined and required information on the subject matter was gathered information on the subject matter was gathered from personal interviews, collected fact from text banks, journals. Other crucial information were obtained from respondents and from a number of questionnaires administered within the banks. Finding from the study shows that efficient working capital management will improve profitability to help to stabilize or improve liquidity of bank. The study concluded that banks should maintain adequate level of working capital in order to improve on profitability of liquidity.     

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How To Write Chapter Three Of Your Research Project (Research Methodology)

  • Methodology In Research Paper


    Chapter three of the research project or the research methodology is another significant part of the research project writing. In developing the chapter three of the research project, you state the purpose of research, research method you wish to adopt, the instruments to be used, where you will collect your data, types of data collection, and how you collected it.

    This chapter explains the different methods to be used in the research project. Here you mention the procedures and strategies you will employ in the study such as research design, study design in research, research area (area of the study), the population of the study, etc. You also tell the reader your research design methods, why you chose a particular method, method of analysis, how you planned to analyze your data.

    Your methodology should be written in a simple language such that other researchers can follow the method and arrive at the same conclusion or findings.

    You can choose a survey design when you want to survey a particular location or behavior by administering instruments such as structured questionnaires, interviews, or experimental; if you intend manipulating some variables.

    The purpose of chapter three (research methodology) is to give an experienced investigator enough information to replicate the study. Some supervisors do not understand this and require students to write what is in effect, a textbook.

    A research design is used to structure the research and to show how all of the major parts of the research project, including the sample, measures, and methods of assignment, work together to address the central research questions in the study. The chapter three should begin with a paragraph reiterating the purpose of research. It is very important that before choosing design methods try and ask yourself the following questions: Will I generate enough information that will help me to solve the research problem by adopting this method?

    Method vs Methodology

    I think the most appropriate in methods versus methodology is to think in terms of their inter-connectedness and relationship between both. You should not beging thinking so much about research methods without thinking of developing a research methodology.

    Metodologia or methodology is the consideration of your research objectives and the most effective method and approach to meet those objectives. That is to say that methodology in research paper is the first step in planning a research project work.

    Design Methodology: Methodological Approach

    Example of methodology in research paper, you are attempting to identify the influence of personality on a road accident, you may wish to look at different personality types, you may also look at accident records from the FRSC, you may also wish to look at the personality of drivers that are accident victims, once you adopt this method, you are already doing a survey, and that becomes your metodologia or methodology.

    Your methodology should aim to provide you with the information to allow you to come to some conclusions about the personalities that are susceptible to a road accident or those personality types that are likely to have a road accident.

    The following subjects may or may not be in the order required by a particular institution of higher education, but all of the subjects constitute a defensible in metodologia or methodology chapter.

    Click here to complete this article - How To Write Chapter Three Of Your Research Project (Research Methodology)

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