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EFFECT OF DEPOSIT MONEY BANKS CREDIT SUPPLY FACTORS ON PRIVATE SECTOR CREDIT FINANCING IN NIGERIA

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Author

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Department of Administration

99 Pages 12,143 Words 1,120 Views PDF Format No. of Chapters: 1 to 5 Chapters

ABSTRACT

The study examined theEffect of Deposit Money Banks (DMBs) Specific Credit Supply Factors on Private Sector Credit Financing in Nigeria. The main objective of the study was to determine the long run effect of the DMBs Specific Credit Supply Factors on Private sector credit financing in Nigeria. The data used in the study was anannual secondary time series data for the period 1981 to 2015, obtained from the Central Bank of Nigeria (CBN) 2015 Statistical Bulletin. Private sector credit financing, proxied by private sector credit was the dependent variable while the independent variables, which include the two frequently used factors (deposit volume & Liquid assets) and the three rarely used factors (investment portfolio, public sector credit and foreign liability) by studies, constitute the proxies for DMBs Specific Credit Supply Factors. The methodologyused was econometric in nature: unit root test was conducted using Augmented Dickey Fuller (ADF), Co-integration test wasconducted using Johansencointegration test approach, and the long run test conducted utilising vector error correction method (VECM).The findings indicated that while DMBs specific credit supply factors, jointly, in the long run cause and exert significant impact on private sector credit financing inNigeria, only liquid assets and investment portfolio of the DMBs, individually,in the long run cause private sector credit financing in Nigeria; deposit volume, public sector credit and foreign liability didnot. The study, therefore, recommend that DMBs think long term by utilising greater percentage of deposits to meeting the investment needs of the private; reduce their level of credit to the government; and device some ingenious ways of generating more deposit for on-lending. Also, that government guarantees the loan to the private sector, where necessary, to reduce their risk perception by the DMBs; anddirect its relevantregulatory agency tosoftens its strict regulation on foreign liabilities so banks can take advantage of it to improve lending to the private sector.

TABLE OF CONTENTS

CHAPTER ONE:

INTRODUCTION

1.1 Background to the Study - - .. 1

1.2 Statement of the Problem - - . 6

1.3 Research Questions - - - . 8

1.4 Research Objectives - - - 9

1.5 Research Hypothesis - - - .. 10

1.6 Scope of the Study. 10

1.7 Significance of the Study - - . 11

CHAPTER TWO

LITERATURE REVIEW AND THEORECTICAL FRAMEWORK

2.1. Introduction - ..12

2.2. Concept of Private Sector Credit Financing - - .12

2.3. Concepts of Deposit Money Banks Credit Supply Factors - - .. 14

2.3.1. Liquid Asset (LQA) - 14

2.3.2. Deposit Volume (DPV) 15

2.3.3. Investment Portfolio (IVP) - - - 15

2.3.4. Public Sector Credit (PuCr) - - .. 16

2.3.5. Foreign Liability (FRL). 16

2.4. Review of Related EmpiricalStudy - - .17

2.5. TheoriesUnderpinning the Study - - .30

2.5.1. Harrod-Dorman growth theory - - - . 30

2.5.2. Theory of financial Intermediation - - .. 31

2.6. Summary of Section - - - .31

CHAPTER THREE:

RESEARCH METHODOLOGY

3.1. Introduction - - .34

3.2. Research Design..34

3.3. Study Data - - ..34

3.4. Study Model Specification - .35

3.5. Study Model and Their Measurement - 36

3.6. Data Analysis Tools and Technique - - 38

3.7. Justification of Data Analysis Used - - 41

CHAPTER FOUR

DATA PRESENTATION, ANANLYSIS AND DISCUSSION

4.1. Introduction - - 43

4.2. Descriptive Statistics - - - 43

4.3. Correlation at Level - - - 45

4.4. Stationarity Test..45

4.5. Optimal Lag Selection - - .47

4.6. Co-Integration Test - - - .. 48

4.7. Vector Error Correction Estimation - - 49

4.7.1. Long run causality result summary - 50

4.7.2. Short run causality result summary - 53

4.8. Post Model Estimation Tests.. 54

4.8.1. Residual diagnostic test. 53

4.8.2. Stability Test - - - .. 57

4.9. Discussion of Findings - - 58

CHAPTER FIVE

SUMMARY, CONCLUSION AND RECOMMENDATION

5.1. Summary of Findings - - .63

5.2. Conclusion - ..64

5.3. Recommendation - - 66

References - - 69

Appendices - - 77

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