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TABLE OF CONTENTS
Title Page
Abstract
Table of Contents
Chapter One: Introduction
1.1 Background of the study
1.2 Statement of the Problem
1.3 Objectives of the study
1.4 Research Questions
1.5 Research Hypotheses
1.6 Significance of the study
1.7 Scope of the study
1.8 Plan of the study
Chapter Two: Literature Review
2.1 Introduction
2.2 Historical Background of Leasing
2.3 Concept of Leasing
2.4 Lease Financing by Nigerian Banks
2.5 The Impact of Leasing on the Performance
of Banks
2.6 Theoretical Framework
2.7 Summary
Chapter Three: Research Methodology
3.1 Introduction
3.2 Basic Research Methods and Design
3.3 Population and Sampling Techniques
3.4 Sources and Method of Data Collection
3.5 Techniques of Data Analysis
3.6 Justification of techniques of Data
Analysis
3.7 Summary
Chapter Four: Presentation and
Analysis of Data
4.1 Introduction
4.2 Impact of Leasing on Banks` Profitability
4.3 Impact of Leasing on Banks` Investment
4.4 Impact of Leasing on Shareholders Fund of
Banks
4.5 Performance Appraisal of Nigerian Banks
4.6 Problems Associated with Leasing in
Nigeria
4.7 Discussion of Findings
Chapter Five: Summary, Conclusions
& Recommendations
5.1 Summary
5.2 Conclusions
5.3 Recommendations
ABSTRACT
The issue of inadequate capital
remains one of the major challenges of business entrepreneurs in Nigeria.
Business firms are constantly searching for ways to expand their operations and
deliver quality services and increase revenue, while the new ones want to start
in good shape but enough funding is not readily available. Leasing has been
long established as a creative financing tool for the acquisition of capital
assets. Over the years, leasing has grown into an industry of imposing scope,
and greater potentials are met through this unique form of financing.
This study examines the impact
of finance leasing on the performance of Nigerian banks.
The population of the study
consists of twenty (20) banks that are quoted on the Nigerian stock exchange
and members of ÉLAN as at 31st
December, 2005. The sample of the study is five (5) banks drawn randomly from
the population of the study.
The study
uses linear regression as a tool of analysis to assess the impact of lease
financing on profitability, investment and shareholders fund of the selected
banks.
The study
establishes that finance lease has no significant impact on the performance of
Nigerian banks despite the relationship between them is positive.
The study concludes that
finance lease has no significant impact on the performance of Nigerian banks
and therefore, recommends among others that Nigerian banks should increase
their commitments into leasing business to improve earnings from the proceeds of
leasing and be leasing buildings and office equipment instead of building and
buying them at the event of expanding or opening new branch.
CHAPTER ONE
INTRODUCTION
1.1
Background to the Study
One of the
most prominent issues in the corporate and financial world today is the issue
of leasing (Abashiya, 2005). In the developed countries, it is almost an
integral part of the overall financial system and often advocated as the least
expensive and most advantageous form of funding (Afzal, 2003). As (Olusoga,
2003) indicates, the most generally accepted method of financing capital
investment throughout the world is equipment lease financing option.
In Nigeria,
although lease volume remains relatively insignificant in terms of world
rankings, the concept is fast gaining recognition and has been influencing some
major decisions in the various sectors of the economy. With the paucity of
capital in the continent, many African countries such as South Africa,
Zimbabwe, Ghana, Nigeria and recently Egypt have used leasing as a major anchor
of their economic development policy with considerable success. In these
countries, lessors are fully involved in investments in the extractives
industries, transport, agriculture, construction and telecommunications
(Olakunle, 2002).
Leasing has been
used extensively in the financing of ships, aircraft containers, heavy-duty
machines, plants and machineries, vehicles, cranes and.....
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