Browsing by Author "Ewelike, Queendeanne Nneka"

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    Bank regulation and gross domestic credit in Nigeria
    (Federal University of Technology, Owerri, 2021-09) Ewelike, Queendeanne Nneka
    This study empirically assessed the effect of bank regulation on the gross domestic credit in Nigeria, using time series data from 1990 to 2018. Adopting the co integration procedures and the multiple regression, the results revealed prominent among others, that a significant relationship exists between variables of bank regulation and the level of gross domestic credit in Nigeria, taken together. Again, cash reserve ratio, liquidity ratio, and loan-to-deposit ratio had significantly affected the way Nigerian banks offer credit to various sectors of the economy. On the basis of the findingd, the study therefore, concluded among others that the selected bank regulatory instruments are adequate to predict the level of gross domestic credit thus, meaning that they actually exert significant influence on lending activities in the economy. On this premise, the study recommended among others that financial regulators should continue with the policy reforms that consolidate the emerging confidence in the banking sector, and avoid policy somersaults. Similarly, well-articulated banking regulatory policies were recommended to ensure that banks performance is enhanced.