ISSN 2394-5125
 

Research Article 


BANK DISTRESS IN NIGERIA: DOES INSOLVENCY RATIO MATTER?

Uzoma Friday Christopher, AlagbaOchuko S, Kalu Ebere Ume.

Abstract
This study used multiple regression to investigate the effects of insolvency on bank distress in Nigeria. With a study
population of banks operating in Nigeria between 1998 and 2017, data was obtained from the published accounts of
the investigated banks. Loan quality was found to be a significant determinant of bank distress. Other variables such
as insider lending and government ownership did not prove to be significant contributors to bank distress within the
studied period. It is therefore recommended that enhanced credit appraisal should be adopted to stem the incidences
of both individual bank and systemic distress in developing economies such as Nigeria.

Key words: Distress; Regression; Loan Quality; Insider Lending & Nigeria


 
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How to Cite this Article
Pubmed Style

Uzoma Friday Christopher, AlagbaOchuko S, Kalu Ebere Ume. BANK DISTRESS IN NIGERIA: DOES INSOLVENCY RATIO MATTER?. JCR. 2021; 8(1): 274-284. doi:10.31838/jcr.08.01.32


Web Style

Uzoma Friday Christopher, AlagbaOchuko S, Kalu Ebere Ume. BANK DISTRESS IN NIGERIA: DOES INSOLVENCY RATIO MATTER?. http://www.jcreview.com/?mno=48000 [Access: January 29, 2021]. doi:10.31838/jcr.08.01.32


AMA (American Medical Association) Style

Uzoma Friday Christopher, AlagbaOchuko S, Kalu Ebere Ume. BANK DISTRESS IN NIGERIA: DOES INSOLVENCY RATIO MATTER?. JCR. 2021; 8(1): 274-284. doi:10.31838/jcr.08.01.32



Vancouver/ICMJE Style

Uzoma Friday Christopher, AlagbaOchuko S, Kalu Ebere Ume. BANK DISTRESS IN NIGERIA: DOES INSOLVENCY RATIO MATTER?. JCR. (2021), [cited January 29, 2021]; 8(1): 274-284. doi:10.31838/jcr.08.01.32



Harvard Style

Uzoma Friday Christopher, AlagbaOchuko S, Kalu Ebere Ume (2021) BANK DISTRESS IN NIGERIA: DOES INSOLVENCY RATIO MATTER?. JCR, 8 (1), 274-284. doi:10.31838/jcr.08.01.32



Turabian Style

Uzoma Friday Christopher, AlagbaOchuko S, Kalu Ebere Ume. 2021. BANK DISTRESS IN NIGERIA: DOES INSOLVENCY RATIO MATTER?. Journal of Critical Reviews, 8 (1), 274-284. doi:10.31838/jcr.08.01.32



Chicago Style

Uzoma Friday Christopher, AlagbaOchuko S, Kalu Ebere Ume. "BANK DISTRESS IN NIGERIA: DOES INSOLVENCY RATIO MATTER?." Journal of Critical Reviews 8 (2021), 274-284. doi:10.31838/jcr.08.01.32



MLA (The Modern Language Association) Style

Uzoma Friday Christopher, AlagbaOchuko S, Kalu Ebere Ume. "BANK DISTRESS IN NIGERIA: DOES INSOLVENCY RATIO MATTER?." Journal of Critical Reviews 8.1 (2021), 274-284. Print. doi:10.31838/jcr.08.01.32



APA (American Psychological Association) Style

Uzoma Friday Christopher, AlagbaOchuko S, Kalu Ebere Ume (2021) BANK DISTRESS IN NIGERIA: DOES INSOLVENCY RATIO MATTER?. Journal of Critical Reviews, 8 (1), 274-284. doi:10.31838/jcr.08.01.32