Impact of Deposit Money Bank Credits on Economic Growth of Nigeria (a Case Study of United Bank Plc. Yakubu Gowon Way, Kaduna)
Student: Tijani Abdulazeez (Project, 2025)
Department of Banking and Finance
Kaduna Polytechnic, Kaduna
Abstract
ABSTRACT
This study investigates the impact of deposit money bank credits on the economic growth of United Bank Yakubu Gowon way Kaduna, exploring how bank lending contributes to key economic indicators such as Gross Domestic Product (GDP) growth, industrial development, and employment generation. Through an analysis of deposit money bank activities over recent years, the study assesses the extent to which credits provided to various economic sectors have supported growth and economic stability. Findings reveal that deposit money banks play a crucial role in financing productive activities and stimulating economic development, although challenges like credit risk, high-interest rates, and regulatory constraints sometimes limit their effectiveness. The study concludes by suggesting policy improvements and strategies for banks to optimize their credit delivery, which is essential for fostering sustainable growth. This research underscores the importance of a stable banking sector to support Nigeria’s economic resilience and long-term development goals.
Keywords
For the full publication, please contact the author directly at: abdulazeeztjn55@gmail.com
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Institutions
- HASSAN USMAN KATSINA POLYTECHNIC (NCE), KATSINA, KATSINA STATE 4
- Hassan Usman Katsina Polytechnic, Katsina, Katsina State 5
- Heritage Polytechnic, Ikot Udota, Akwa Ibom State 46
- Hussaini Adamu Federal Polytechnic, Kazaure, Jigawa State 8
- Ibrahim Badamasi Babangida University, Lapai, Niger State 24
- Igbinedion University, Okada, Benin City, Edo State 2
- Ignatius Ajuru University of Education, Port Harcourt, Rivers State 8
- Imo State Polytechnic, Umuagwo, Owerri, Imo State 3
- Imo State University, Owerri, Imo State 45
- Institute of Management and Technology, Enugu, Enugu State 11