ATTENTION:<\/strong><\/p>\n\n\n\n BEFORE YOU READ THE ABSTRACT OR CHAPTER ONE OF THE PROJECT TOPIC BELOW, PLEASE READ THE INFORMATION BELOW.THANK YOU!<\/strong><\/p>\n\n\n\n INFORMATION:<\/strong><\/p>\n\n\n\n YOU CAN GET THE COMPLETE PROJECT OF THE TOPIC BELOW. THE FULL PROJECT COSTS N5,000 ONLY. THE FULL INFORMATION ON HOW TO PAY AND GET THE COMPLETE PROJECT IS AT THE BOTTOM OF THIS PAGE. OR YOU CAN CALL: 08068231953, 08168759420<\/strong><\/p>\n\n\n\n WHATSAPP US ON 08137701720<\/strong><\/p>\n\n\n\n THE EFFECTS OF WORKING CAPITAL MANAGEMENT ON THE PROFITABILITY OF BANK PHB PLC KADUNA<\/strong><\/p>\n\n\n\n ABSTRACT<\/strong><\/p>\n\n\n\n Working capital, as the name implied comprises capital that are not used for long-term investment. Thus, the instrument used for collecting the data are questionnaire and official document of the bank (Bank PHB), the researcher used mean statistic, method to analyze the data and extract the findings. However, emphasis should be directed towards systematic introduction of appropriate technology for control and management information system purpose. Indeed a financial data is relevant in banking industries. The introduction of the method in the banks to take care of the determination of cash balances for different periods in as much as experience is a good teacher, a scientific forecasting method should be introduced. The study would be of benefits to students, banking and institution i.e. it would enable students carryout research and persuade learning on issues that has to do with working capital management. The majority of the documents shows how working capital management had made it possible on the operational exercise and providing services of the banks in Nigeria.<\/p>\n\n\n\n TABLE OF CONTENTS<\/strong><\/p>\n\n\n\n Title Page i<\/p>\n\n\n\n Declaration ii<\/p>\n\n\n\n Approval page iii<\/p>\n\n\n\n Dedication iv<\/p>\n\n\n\n Acknowledgement v<\/p>\n\n\n\n Abstract vi<\/p>\n\n\n\n Table of contents vii<\/p>\n\n\n\n CHAPTER ONE<\/strong><\/p>\n\n\n\n 1.0 Introduction 1<\/p>\n\n\n\n CHAPTER TWO<\/strong> – Literature Review<\/p>\n\n\n\n 2.0 Introduction 11<\/p>\n\n\n\n in the Bank <\/p>\n\n\n\n CHAPTER THREE<\/strong><\/p>\n\n\n\n Research Methodology<\/p>\n\n\n\n CHAPTER FOUR<\/strong> – Data Presentation and Analysis<\/p>\n\n\n\n 4.1 Characteristics of Respondents 34<\/p>\n\n\n\n 4.2 Presentation of Data and Analysis 36<\/p>\n\n\n\n 4.3 Summary of Findings <\/p>\n\n\n\n 4.4 Discussion of Findings <\/p>\n\n\n\n CHAPTER FIVE<\/strong><\/p>\n\n\n\n Summary, Conclusion and Recommendation<\/p>\n\n\n\n 5.1 Summary 49<\/p>\n\n\n\n 5.3 Recommendations 51<\/p>\n\n\n\n Reference 54<\/strong><\/p>\n\n\n\n Appendix I 55<\/strong><\/p>\n\n\n\n Appendix II <\/strong> CHAPTER ONE<\/strong><\/p>\n\n\n\n 1.0 INTRODUCTION<\/strong><\/p>\n\n\n\n 1.1 BACKGROUND OF THE STUDY<\/strong><\/p>\n\n\n\n Working Capital is the investment at the firm in short-term or current assets, which include cash, account receivable, marketable securities, short-term note receivables, inventories and some expense prepayments. A portion of the investment in current assets is financed by current liabilities such as short-term note payable to banks. Income tax liabilities advances by customers and account payable. Therefore, networking is that portion of current assets financed by long term debt and equity sources.<\/p>\n\n\n\n The liquidity position of many firms is of fundamental importance. Hence, the importance of working capital management and its operations thus become relevant in the growth and success of any organization management policies and decisions are made due consideration of its working capital position. Organization faces a lot of shortcomings in it operation, if working capital is not given full consideration.<\/p>\n\n\n\n Inadequate working capital hinders the success of any organization. This is because it affects the daily operational activities, which directly affect the efficiency rate.<\/p>\n\n\n\n Inadequate cash for marketable securities brought about deficiency in investment and revenue generation for the organization. Inventories are often being short in supply if there is insufficient cash for the daily operation of the organization which will affect the productivity.<\/p>\n\n\n\n If there is inadequate working equipment in the organization, it discourage employee from being performing their official assignment.<\/p>\n\n\n\n The concept of working capital as a tool in financial analysis has long been recognized for instance, the American Institute of Certified Public Accountant (AICPA) in 1936 officially recognized the importance of working capital to the creditor. As a rule, a creditor is more particularly interested in the liquidity of enterprises the nature and adequacy of its working capital, hence the details of this current asset and current liabilities.<\/p>\n\n\n\n Lastly by definitions, in reality and fact working capital is not statistic of fixed figure, it changes continuously as its constitutes are turned over and over again. Often several times within a particular financial year. The crucial importance of working capital has fact, that it is used to finance production inventories and also provide credit to customers. Therefore, the availabilities of sufficient working capital is very vital to successful running of any business.<\/p>\n\n\n\n 1.2 STATEMENT OF THE PROBLEM<\/strong><\/p>\n\n\n\n In all corporate bodies and business enterprises, the availability of sufficient working capital commensurate with the level of business activity, as it is of fundamental importance, while shortage and problems encounter in the process of utilizing working capital affect the banking operation and profitability on whether inadequate provision of working capital, is made how inadequate inventories affect and hinder the success of business operation, the study also is focused on how inadequate cash and marketable securities and lock of proper utilization and allocation of resources affects organizations.<\/p>\n\n\n\n 1.3 OBJECTIVES OF THE STUDY<\/strong><\/p>\n\n\n\n The specific objectives of the working capital management on this study are:<\/p>\n\n\n\n 1.4 SIGNIFICANCE OF THE STUDY<\/strong><\/p>\n\n\n\n It is significance to established and to analyzes what are the problems of inappropriate working capital management has on the profitability, credit worthiness, possibility of bankruptcy and overall performance. The study would be relevant to student and banking institutions.<\/p>\n\n\n\n To students it enables them to carryout research and personal learning on issue that has to do with working capital management.<\/p>\n\n\n\n 1.5 RESEARCH QUESTIONS<\/strong><\/p>\n\n\n\n i) Can inadequate provision of working capital lead to loss of profit?<\/p>\n\n\n\n ii) Can inadequate provision of cash for marketable securities hinder revenue generation?<\/p>\n\n\n\n iii) Can insufficient working capital lead to total collapse of the enterprises?<\/p>\n\n\n\n iv) What are the ways to improving working capital management?<\/p>\n\n\n\n 1.6 SCOPE OF THE STUDY<\/strong><\/p>\n\n\n\n This study covers the role played by the working capital management in Bank PHB. It will also cover the aspect of working capital management in Bank PBHB for two (2) years period of 2007 and 2008 which involves working capital components such as current assets, current liabilities, the study will also cover the problems faced in working capital management as well as prospects.<\/p>\n\n\n\n 1.7 LIMITATION OF THE STUDY<\/strong><\/p>\n\n\n\n Constructions to this research are:<\/p>\n\n\n\n HOW TO RECEIVE PROJECT MATERIAL(S)<\/strong><\/p>\n\n\n\n After paying the appropriate amount (#5,000) into our bank Account below, send the following information to<\/strong><\/p>\n\n\n\n 08068231953 or 08168759420<\/strong><\/p>\n\n\n\n (1) Your project topics<\/p>\n\n\n\n (2) Email Address<\/p>\n\n\n\n (3) Payment Name<\/p>\n\n\n\n (4) Teller Number<\/p>\n\n\n\n We will send your material(s) after we receive bank alert<\/p>\n\n\n\n BANK ACCOUNTS<\/strong><\/p>\n\n\n\n Account Name: AMUTAH DANIEL CHUKWUDI<\/p>\n\n\n\n Account Number: 0046579864<\/p>\n\n\n\n Bank: GTBank.<\/p>\n\n\n\n OR<\/p>\n\n\n\n Account Name: AMUTAH DANIEL CHUKWUDI<\/p>\n\n\n\n Account Number: 3139283609<\/p>\n\n\n\n Bank: FIRST BANK<\/p>\n\n\n\n FOR MORE INFORMATION, CALL:<\/strong><\/p>\n\n\n\n 08068231953 or 08168759420<\/strong><\/p>\n\n\n\n AFFILIATE LINKS:<\/a><\/p>\n\n\n\n myeasyproject.com.ng<\/a><\/p>\n\n\n\n easyprojectmaterials.com<\/a><\/p>\n\n\n\n easyprojectmaterials.net.ng<\/a><\/p>\n\n\n\n easyprojectsmaterials.net.ng<\/a><\/p>\n\n\n\n easyprojectsmaterial.net.ng<\/a><\/p>\n\n\n\n easyprojectmaterial.net.ng<\/a><\/p>\n\n\n\n projectmaterials.com.ng<\/a><\/p>\n\n\n\n
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