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This study examines the influence of deposit money bank credits on Nigeria’s economic growth. The primary objective is to investigate how deposit money bank credits impact Nigeria’s economic growth from 1981 to 2016. The study utilizes a model where real gross domestic product (RGDP) serves as the dependent variable, representing economic growth. The independent variables are commercial bank credit (CBC) and interest rate (INTR), and the analysis employs ordinary least squares (OLS) techniques.
The empirical findings indicate a negative and statistically insignificant relationship between commercial bank credit and interest rates with economic growth in Nigeria. According to the Granger causality test, there is no causal relationship between inflation rate and interest rate with real gross domestic product (RGDP) in Nigeria. Furthermore, no causal relationship exists between interest rates and RGDP, and similarly, there is no causal relationship between commercial bank credit (CBC) and interest rate (INTR).
Based on these results, the researcher recommends that the Central Bank of Nigeria and other monetary authorities should consider reducing interest rates charged on loans from commercial banks by lowering bank rates and adjusting deposit requirements. This adjustment aims to increase fund availability for potential investors, thereby boosting national output through increased production
Title page
Approval page
Certification
Dedication
Acknowledgement
Table of content
Abstract
CHAPTER ONE: INTRODUCTION
1.1 Introduction
1.2 Statement of the Problem
1.3 Research Questions
1.4 Objective of the Study
1.5 Statement of Hypothesis
1.6 Significance of the Study
1.7 Scope and Limitation of the Study
CHAPTER TWO: LITERATURE REVIEW
2.1 Conceptual Literature Review
2.1.1 Concept of Commercial Bank Loans (credits)
2.1.2 Concept of Economic Growth
2.2 Theoretical Literature
2.2.1 Theories of Bank Credit
2.2.2 Theories of Economic Growth
2.3 Empirical literature
2.4 Limitations of the Previous Studies/Gap
CHAPTER THREE: METHODOLOGY AND MODEL SPECIFICATION
3.1 Theoretical Framework
3.2 Model Specification
3.3 Method of Evaluation
3.4 Data Required and Source
3.5 Statistical Package Used
CHAPTER FOUR: DATA PRESENTATION AND ANALYSIS OF RESULT
4.1 The Empirical Results
4.2 regression result
4.3 Evaluation of Regression Result
4.4 Evaluation of Research Result
4.5 Implication Results
CHAPTER FIVE: SUMMARY OF FINDINGS, CONCLUSION AND RECOMMENDATIONS
5.1 Summary of Finding
5.2 Conclusion
5.3 Recommendation
References
Time series data
Appendix
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