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Financial Crisis And Bank Lending Behavior In Nigeria, Michael A. Oyakojo

Electronic Theses and Dissertations

Bank lending is an important monetary policy transmission channel with significant impact on economic growth in Nigeria. The research was conducted to test the hypothesis that given the Central Bank of Nigeria (CBN) / government financial intervention, there is a significant increase in the lending behavior of Nigerian bank during and post 2008 financial crisis. Total loan ratio is the proxy for bank lending behavior while the dependent variables are bank specific characteristics like total assets, core deposit ratio and macroeconomic variables like the 91-day Treasury bill rate and inflation rate.

Using the fixed effects regression technique, it was observed …