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EFFECTIVENESS OF CREDIT GUIDELINES AS AN INSTRUMENT OF MONETARY POLICY IN NIGERIA
ABSTRACT: The credit guidelines are those monetary policy instruments used by the monetary authorities particularly the Central Bank to influence the supply, allocation and cost of credit with view to attaining specific macro-economic objectives in the country. It is a deliberate measures aimed at controlling the qualitative supply of money. Some of the goals are directed towards steering and maintaining the economy at its full potential output to attain full employment, to achieve a balance of payment equilibrium and to moderate inflationary pressures. The objectives of the study includes the examination of credit guidelines, to identify factors militating against the realization of the guidelines, to evaluate the Central Bank’s method of compliances, to identify areas of frictions (if any) between the CBN and the government and to make recommendation for the effective improvement of the policy guidelines. Using the correlation analysts and chi-square distribution, four hypothesis listed below were tested.
The effectiveness of monetary and credit policy in credit guidelines in Nigeria economy
CBN is autonomous in the real sense of it.
Some banks violate some of the guidelines in preference to paying fines.
CBN encounter problems while ensuring compliances by banks and other financial institutions.
Source of data used included primary and secondary sources. Primary data involved interviews and use of questionnaires while the secondary data were sourced from the CBN library, literature in the field of economics, banking and finance.
Recommendation and conclusion were based on find lasting solution to improve the operation of the credit guidelines in Nigeria.
LIST OF TABLE
Banking System Credit to the Economy (1993 – 2000)
Sectoral Allocation of Commercial Banks Loan and Advances (1993 – 2000)
Money Supply in Nigeria (1993 – 2000)
Price Stability (1993 – 2000)
Economic Growth (1993 – 2000)
Nigeria Balance of Payment Positions (1993 – 2000)
TABLE OF CONTENTS
CHAPTER ONE
INTRODUCTION 1
Background of Study 1
Statement of the Study 3
Objectives of the Study 4
Significance of the Study 5
Statement of Hypothesis 5
Scope and Limitation 6
Definition of Terms 7
CHAPTER TWO
Review of related literature 12
Literature Review 12
Objectives of Credit Guidelines Policy 16
Instrument of Credit Guidelines 20
The Credit Guidelines Historical Perspective 22
Banking System Credit to the Economy 28
Sectoral Allocation of Commercial
Banks Loan and Advances 29
Money Supply in Nigeria 31
Price Stability 32
Economic Growth 33
Balance of Payment 35
The Financial Institution, the CBN
and Some of their Operations 36
Analysis of the 2000 Credit and
Monetary Policy Instruments 42
CHAPTER THREE
RESEARCH DESIGN AND METHODOLOGY 47
Source of Data 47
Questionnaire Design 48
Method of Investigation 49
Sampling Population and Sample Size 49
Determination of Sample Size 49
Method of Questionnaire Distribution 51
CHAPTER FOUR
DATA ANALYSIS
Data Presentation and Analysis
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