THE EFFECTS OF INTEREST RATES DEREGULATION IN NIGERIA BANKING INDUSTRIES

1.0    INTRODUCTION

Central bank of Nigeria (CBN) as a bank to the Government has so many role to play in an economy. One of the important roles of central bank is the control and regulation of interest rate on banks. The deregulation of interest rates on banks in Nigeria and its effects is the subject matter of this study.

Thus, this chapter cover the general principles of interest rates with emphasis on purpose of the study, scope of the study, significance of the study, limitation of the study and definition of terms.

1.1    THE PURPOSE OF THE STUDY

The purpose of the study is to examine how the central bank of Nigeria (CBN) regulates the interest rate and to know the specific effects of the interest deregulation in Nigeria banking industries. Looking at United Bank for Africa (UBA), we are drawing information from their activities and this enable us to know the specific interest rates deregulation in Nigeria Banking industries.

1.2    THE SCOPE OF THE STUDY

The scope of the study is primarily to highlight the effect of interest rates deregulate which intends to cover the following target are:

i. Central bank as a body controlling or deregulating interest rates.

ii. Activities of united bank for Africa on which interest are chargeable.

iii. General bank accounts and credits, which are also liable interest rate.

iv. How the deregulation has affected the banks and particularly united bank for Africa (UBA) where we are testing our hypothesis.

v. Various journals and publications.

We hope to use some statistical method to obtain relevant  information from the said Targeted Bank UBA, also, we used primary source of information in which we have questionnaires and personal interview of relevant literature textbook, magazines periodical and newspapers for proper presentation.

1.3    THE SIGNIFICANCE OF THE STUDY

This will reveal the importance of the research work, its benefit end contributions in the provision of the subject matter. This study is set out to find the interest rates deregulation in banking industries. Despite the control of central bank of Nigeria (CBN) in banking sectors, it could still be seen that interest rate in banking industries are weakened all the while.

1.4    THE LIMITATION OF THE STUDY

Since all area of human endeavour are characterized by some limiting factors and a research effect of this nature is therefore no exception. Therefore the major constraints of there research work are:

i. TIME: It is indeed pertinent that we have a very little time within our reach. Therefore we need to manage the source we could quickly lay our hands upon so as to be able to finish the work within the allocated time.

ii. FINANCIAL CONTRANT: The writer of the project would have loved to cover wider but this is not possible due to the limited amount of money we gave with us. We spent all we could to our hands upon to put the work through.

iii. OTHER LOGICAL REASONS: This are some other reasons which made us limit our research to this area we have mentioned. For example, it is not easy to go through out the nation to source information and also the widespread of various banks we have.

Finally, we hope that at the end of reading this project work, the reader must have been well acquainted with what is know as interest rate deregulation in bank its effects on Nigeria banks and how the banks operate under the banking system.

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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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