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Impact of Interest Rate Deregulation on the Profitability of Commercial Banks
Content Structure of Impact of Interest Rate Deregulation on the Profitability of Commercial Banks
- The abstract contains the research problem, the objectives, methodology, results, and recommendations
- Chapter one of this thesis or project materials contains the background to the study, the research problem, the research questions, research objectives, research hypotheses, significance of the study, the scope of the study, organization of the study, and the operational definition of terms.
- Chapter two contains relevant literature on the issue under investigation. The chapter is divided into five parts which are the conceptual review, theoretical review, empirical review, conceptual framework, and gaps in research
- Chapter three contains the research design, study area, population, sample size and sampling technique, validity, reliability, source of data, operationalization of variables, research models, and data analysis method
- Chapter four contains the data analysis and the discussion of the findings
- Chapter five contains the summary of findings, conclusions, recommendations, contributions to knowledge, and recommendations for further studies.
- References: The references are in APA
- Questionnaire.
Abstract of Impact of Interest Rate Deregulation on the Profitability of Commercial Banks
This researcher work is a survey of an analysis of the impact of interest rate deregulation on the profitability of commercial banks. The research to work tried to find out among other objectives, the impact of deregulation of interest rate policy on the profitability of commercial bank. In carrying out the research, the regression and correlation method were use to analyze statistically to tools. The result obtained indicated from the hypothesis tested that the null hypothesis was rejected. However, it was discovered from the findings of the research that deregulation has contributed relatively in the development of the economy thus. It has engendered competition among bank and other institutions for deposits as well s some non – traditional activities. Saving mobilization has also been encouraged by demand and supply which determined inter4est rate. It has also induced the bank to source for idle funds, which are sent to deficit area to encourage loans and advances. Sanity has been encouraged in some banks as they are now beat on judicious use of their available funds and hence allocated it to the most profitable ventures. The study also reveal that there was also increased in the economy by deregulating interest rate, it become incumbent on the side of the researcher to make the following recommendation. That the changes in the rediscount rate at any given period should be between the range of 15% and 25% depending on the monetary policy pursued or intended to be pursued. That written the framework of the current market economy in relation to interest rate, there should be a sufficient institutional control or regulatory legislation to ensure that the very vital sector of the economy that ordinarily would not survive the economic regime of deregulation are adequately created for.
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