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    » CHAPTER ONE INTRODUCTION 1.1Background of the study Nowadays, loans and loans occur every day in human life. Everyone may have difficulty in needing urgent money. On the other hand, many people would prefer to invest in another project or in a person with a higher return interest, compared to a bank economy. According to a recent report from the loan market, the use of online loans increased by 4.2% across the financial market. Following this trend, Zoan, one of the leading IT services companies, has attempted to enter the consumer credit market alongside Ok Perintä Oy, who has extensive professional experience in the field of debt and equity. credit. . After several discussions, Zoan Oy will answer the construction of the investment request and the online loan in the technical part, while Ok Perintä Oy will answer to check the customer's income information, then give a credit score to each application. According to the survey, considering that most users are middle-aged men, the application should be easier to use, both from the perspective of the borrower and the investor. In addition, more and more people prefer to use the phone and iPad to view the website. You must therefore consider the design of the response, which allows the automation of resizing according to the width of the device screen, even when the client changes horizontally. gesture and vertical gesture 1.2 statement of the problem A loan is a sum of money given to an individual or institution on the condition that it is paid for a given period of time with interest, and that serves as a payment for the use of money. There are several types of loans, such as loans, finances and mortgages. The manual lending and lending process is stressful, impractical and time consuming for both the lender and the borrower. It is necessary to automate as much as possible the loan processing process. The goal of this project is to design and create a loan automation application software that can capture the required loan data once, secure this information throughout the loan process and convert the loan information system. Previous hand in hand to obtain and grant loans in a less stressful computerized form, track people in the process, supervise and track loans granted to allow better flow and improve compliance, guarantee Information security Reduces the life of the loans, applies the appropriate interest to the loan and informs the person concerned of the evolution of his loan. 1.3 Purpose of the study The purpose of this study is to examine the effect of online loan technology on individuals. Specifically the study will: 1 determine individuals level of patronage of online loan 2 assess individual’s perception on the effectiveness of online loan 3 determine the relationship between access to loan and saving habbit of individual Significance of the study The study aims to help the finance sector take a comprehensive approach to online financial service delivery system. The study will also be of interest to public universities, higher education institutions, research institutes and individual researchers interested in online loan and will use the results for further research. This study will encourage researchers to identify the effectiveness and efficiency of the sector. The research will help individual public companies understand their position relative to the standard of their financial report. Study hypothesis The study hypothesis is: HO1: online loan are significantly effectiveness of online H11: online loan are not significantly effectiveness of online HO2: there is no significant relationship between access to loan and saving habbit of individual H12: there is a significant relationship between access to loan and saving habbit of individual Scope and Limitations of the Study The study scope is limited to examining the impact of online loan and relationship between access to loan and saving habbit of individual. Limitation faced by the research was limited time and financial constraint Organisation of study The study is grouped into five chapters. This chapter being the first gives an introduction to the study. Chapter two gives a review of the related literature. Chapter three presents the research methodology; chapter four presents the data analysis as well as interpretation and discussion of the results. Chapter five gives a summary of findings and recommendations....Continue Reading »

    Item Type: Project Material |  65 pages |  2,087 engagements |  Share


    » Abstract This research project concerned a study of the impacts of accounting information on non-profit makings organization: A Case Study of Grace of God Mission. A sample of sixty-three members were made from the district. Investigations were carried on their financial control used both internally and externally, the accounting system and financial decisions/reporting adopted. This showed whether there was an efficient and effective financial record keeping in the church. Since the research aimed at investigating existing financial record keeping or practice the employment of descriptive method of research was found adequate. The main instruments used for the collection of primary data were the structured libraries and other research units served as secondary data. The researcher ensured that the questionnaire possessed to a large extent the characteristics necessary and adequate for the purpose of validity and reliability. Data collected were analyzed and presented with percentages and tables and hypothesis were tested with the chi-square (X2) statistics and the following results emerged. The study revealed that the church keeps proper record of its accounts and that there is accountability and responsibility, every member of the finance council has to give account of the money entrusted to him. It also showed that the church makes yearly budget before expenses are incurred and that authorization and control of church expenditure is vested on the management team. Based on the finds, both short and long term measures were recommended as ways of enhancing financial record keeping in religious organizations....Continue Reading »

    Item Type: Project Material |  41 pages |  2,087 engagements |  Share


    » Value Added Tax (VAT) has become a major source of income in many developing countries, such as Nigeria. In sub-Saharan Africa, for example, VAT has been introduced in the Republic of Benin, Côte d'Ivoire, Guinea, Kenya, Madagascar, Mauritius, the Republic of Niger, Senegal and Togo. The facts suggest that in these countries, VAT has become a significant contributor to the total tax revenue of governments. (Ajakaiye 2000) the Value Added Tax Decree was established in 1993 and imposed in 1994. Value Added Tax (VAT) is an ideal form of taxation in the Nigerian tax system and has largely contributed to the mobilization of resources. as well as capital formation for the economy. This has a positive and significant impact on income mobilization in Nigeria; He also has a positive relationship with consumption. A tax is a financial burden or other privilege imposed on a taxpayer (natural or legal person) by a State or the functional equivalent of a State, such that non-payment, fraud or resistance to collection are punishable by: law Taxes are also imposed by many administrative divisions. Taxes are direct or indirect taxes and can be paid in cash or work equivalent. The taxation of any economy and the growth of the government's economic policy depend on the revenue generated by the tax authorities. In Nigeria, the federal treasury has the legal mandate to impose taxes on their citizenship and legal person in the public and private sectors of the economy. Tax authorities now have autonomy to assess, collect and register taxes. This favorable environment that has emerged on the basis of (Section 8 (q) of the FIRS Establishment Law 2007) has led to an improvement of the tax administration in the country. E-commerce refers to the use of communication technologies, particularly the Internet, to buy, sell and market goods and services to customers or end-users. The Internet has caused a fundamental shift in national economies isolated from each other by barriers to cross-border trade and investment; isolated by distance, time zones and language; and isolated by the national difference in government regulations, culture and ethnic trade systems. E-commerce provides a level playing field for large companies as well as small and medium-sized enterprises (SMEs) in the global marketplace; and for businesses and regional communities to participate in social, economic and cultural networks without problems across international boundaries (Mary-Anne, 1998). All large companies incur administrative costs when remitting customers' revenues to suppliers of goods or services purchased. Taxes are not different. Resources collected from the public through taxes are always greater than the amount that can be used by the government. Nigeria's National Tax Policy (NTP) defines as one of the main objectives the elimination of bottlenecks and leaks in the Nigerian tax system. Therefore, it requires tax authorities (state, federal and local) to identify all possible sources of leaks in the Nigerian tax system and to minimize or eliminate such leaks. It is recognized that revenue loss occurs in three stages, namely, evaluation, collection and use. 1.2 STATEMENT OF THE PROBLEM The trend with technology is that new patterns of business interaction develop as companies and consumers participate in an increasingly virtual or electronic marketplace and reap the benefits. New technologies have made it possible to pay for goods and services through the Internet and, in many cases, replace the need to manage physical money. However, the advent of electronic commerce as a result of the development of the Internet has given rise to a series of legal and socio-economic problems. Despite its promises, the problem is that the Internet does not have clear and fixed geographical transit lines that traditionally characterize the physical trade of goods and services. It is in this context that we should try to provide an overview of the legal framework of regulation, legal problems and prospects for the development of electronic commerce in Nigeria. Nigeria is transforming into information technology and information technology, its laws are not yet well adapted to this transition. Laws should not only be applicable to electronic commerce innovations, but should also be proportional to the legal evolution of electronic business and consumer protection. Given the aforementioned problems in which online or online commerce exists, the profits of this electronic commerce are not reflected in our income speeches unless they are subject to taxes. Electronic commerce generally refers to commercial activities based on the processing and transaction of digitized data, including text, sound and visual images, which ultimately result in an exchange of value in telecommunications networks. In general, it is perceived as the purchase and sale of products or services through electronic systems such as the Internet and other computer networks. The products are sold, advertised, sold, paid and delivered through the services of a website through the Internet. By assessing its relevance, electronic commerce reduces the costs associated with marketing, customer service and the burden of operating infrastructure, increasing the amount of funds available for profit-making investments. E-commerce has remodeled the basics of commerce and has brought many benefits to people and businesses. Every day more and more goods and services are bought and sold online. In fact, some goods and services are bought and sold virtually online without any physical or material equivalent. In Nigeria, VAT is one of the instruments established by the federal government to generate additional income. However, most known Nigerians and interest groups have spoken out against its introduction. It seems that VAT poses some problems. For the purposes of this document, we will examine the impact of VAT on income generation in Nigeria and its impact on Nigeria's economic growth. 1.3 RESEARCH QUESTIONS This research work is set to answer the research question below. 1. What is the impact of VAT on E-commerce? 1.4 OBJECTIVE OF THE STUDY The following are the objectives of the study: 1. To know the impact of value added tax on E-commerce. 1.5 STATEMENT OF HYPOTHESIS: The following assumptions which are subject to testing are made for the purpose of this research work. HO1: Online VAT has no Impact on E-commerce. 1.6 SIGNIFICANCE OF THE STUDY: The study will assist the government in policy formulation as it relates to value added tax. It will also help to broaden the nation‟s revenue base thereby making it less dependent on oil export. This study will educate the stakeholders in the financial sector and the general public on the relationship between exchange rate fluctuation and value added tax and how both of them influence the E-commerce of Nigeria. This research will be a contribution to the body of literature in the area of the effect of personality trait on student’s academic performance, thereby constituting the empirical literature for future research in the subject area. SCOPE/LIMITATIONS OF THE STUDY This study will cover the relationship between exchange rate fluctuation and value added tax and how the duo influence E-commerce in Nigeria. LIMITATION OF STUDY Financial constraint- Insufficient fund tends to impede the efficiency of the researcher in sourcing for the relevant materials, literature or information and in the process of data collection (internet, questionnaire and interview). Time constraint- The researcher will simultaneously engage in this study with other academic work. This consequently will cut down on the time devoted for the research work...Continue Reading »

    Item Type: Project Material |  51 Pages |  2,087 engagements |  Share

  • Effect of Workforce Diversity on Employee Performance in Nigerian Banking Industry

    » ABSTRACT The purpose of this paper is to examine the effects of workforce diversity on employee performance. The survey research design method was adopted for the paper. The instrument used to gather relevant data for the study was the questionnaire. The study centred on the Nigerian Banking Sector to examine the level of diversity practiced in terms of gender, age, ethnicity and educational in Nigerian Organizations. First Bank of Nigeria Plc, Ota, Ogun State was the focal organization. A total of 81 copies of questionnaire were disseminated to the respondents of the study and they were all filled and returned and also relevant for the study. In order to attain the research objectives, four hypotheses were created. The data were collated and analyzed using the Statistical Package for Social Sciences (SPSS) percentages and frequencies tables were used to for the descriptive aspects. To test the hypotheses, Spearman Rank Correlation Coefficient Analysis was adopted, Regression Model, Anova were adopted to examine the relationship between variables and identify the influence of the independent variables on the dependent variable. The limitation to the study is that the study made use of only few aspects of workforce diversity and as such, findings can not be generalized to cover other dimensions of diversity not covered in the study. The research findings showed all aspects of workforce diversity used in the study has a significant relationship with employee performance except for ethnic diversity. It was also discovered that gender, age and educational diversity have strong influence on employee performance. Hence, based on findings, it is recommended that management continue to uphold its diversity policies and practices in order to increase the benefits of diversity. Management should ensure that all employees are properly trained on diversity issues as these trainings will also help employees to change those unconscious behaviours that hinder diversity and inclusion practices. This study will add to the already existing literature on diversity and it will help First Bank, other organizations, employees, government and the society as a whole to fully understand diversity issues, how to manage it and how to reap the benefits....Continue Reading »

    Item Type: Project Material |  63 Pages |  2,087 engagements |  Share

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