DATA PRESENTATION AND ANALYSIS
4.1 INTRODUCTION
Using
the questionnaire as a primary source of data 20 copies were administered to
the staff of the Accounting Department Nigeria Deposit Insurance Corporation
(NDIC)
Only
eleven (11) copies where duly completed.
The table below gives the questions and
response to the questionnaires.
4.2 DATA ANALYSIS OF QUESTIONNAIRE
No
|
Questions
|
Number of
Response
|
Variable
|
Response
|
Percentage
(%)
|
1
|
Does NDIC deposit guarantee of banks
has direct effect in public confidence in the banking industry?
|
11
|
Yes
No
Undecided
|
7
4
-
|
63.64
36.36
|
2
|
Since the existence of NDIC has
public confidence level increased or decreased?
|
11
|
Yes
No
Undecided
|
9
2
-
|
81.8
18.18
|
3
|
Does the NDIC contribute to the
development of banking industry?
|
11
|
Yes
No
Undecided
|
7
3
1
|
63.64
27.27
9.09
|
4
|
Does the NDIC encounter problems in
deposit guarantee?
|
11
|
Ye
No
Undecided
|
6
5
-
|
54.55
45.55
|
5
|
Does the banking industry respond to
NDIC supervisory and distress resolution functions?
|
11
|
Yes
No
Undecided
|
2
8
1
|
18.18
72.72
9.09
|
6
|
Should the intervention of NDIC into
the banking system affects the general deposit mobilization?
|
11
|
Yes
No
Undecided
|
3
7
1
|
27.27
63.63
9.09
|
7
|
Should the bank need to improve the
sources of fund from the investing public in order to boost up their deposit
guarantee level?
|
11
|
Yes
No
Undecided
|
8
2
1
|
72.72
18.18
9.09
|
8
|
Does the NDIC need to measure the
past and present performance of bank at a regular interval?
|
11
|
Yes
No
Undecided
|
6
5
|
54.55
45.45
|
9
|
Are there major effect or distress
among banks?
|
11
|
Yes
No
Undecided
|
7
3
1
|
63.63
27.27
9.09
|
10
|
Do deposit guarantee served as an
alternative solution to the management of distress among banks?
|
11
|
Yes
No
Undecided
|
6
4
1
|
54.55
36.35
9.09
|
11
|
Are there other variable methods
available to distress banks in the management of distress than
|
11
|
Yes
No
Undecided
|
5
4
2
|
45.45
36.34
18.18
|
4.3 HYPOTHESIS TESTING
HYPOTHESIS 1
The NDIC guarantee has direct effect in
the performance of banking industry.
VARIABLES
|
NUMBER
|
PERCENTAGE
|
PROPORTION OF SUCCESS
|
Yes
|
7
|
63.64
|
0.64
|
No
|
4
|
36.36
|
0.36
|
Undecided
|
-
|
-
|
-
|
Total
|
11
|
100
|
1
|
Source:
Response from questionnaires
Statement of null and alternative
hypothesis. Null Hypothesis (Ho). The NDIC deposit guarantee has no direct
effect in the performance of banking industry.
Alternative Hypothesis (Ha): The NDIC
deposit guarantee has direct effect in the performance of banking industry.
4.4 TESTING THE HYPOTHESIS
The
following formula would be used.
Z = X – npo
Npoqo
Where
Z
= Z Score
X
= The Sample proportion of success
qo
= The known population proportion of failure (i.e I – p)
N = The sample size (i.e. the number of
questionnaires duly completed and returned) using 5% level of significance
which is equal to + 1.96
X
= n
N
= 11
qo
= 0.36
Z
= 7 – (11 x 0.64)
11
(0.64) (0.36)
Z = 7-7.04
11 x 0.2304
Z = - 0.04
2.5344
Z = -0.04
1.5920
Z
= -0.025
DECISION RULE
Since the calculated Z (i.e. -0.025) is
lesser than the critical value of Z (i.e. + 1.96) and the fact that falls
within the acceptable region indicates researchers therefore accept the
alternative hypothesis (Ha) and reject the null hypothesis (Ho) conclusion.
The researchers concluded that the NDIC
deposit guarantee has direct effect in the performance of banking industry.
Which was seen in the table out of 11
questionnaire duly answered and returned 7 represented were of the opinion that
the deposit guarantee has no direct effect in the performance of banking
industry. While 4 representing 36.36% which show that the NDIC deposit
guarantee has no direct effect in the performance of banking industry.
Hypothesis 2
There is need for the Nigerian Deposit
Insurance Corporation to carryout its supervisory and distress resolution
functions that enhance public confidence through deposit mobilization in the
banking industry.
VARIABLES
|
NUMBER
|
PERCENTAGE
|
PROPORTION OF SUCCESS
|
Yes
|
6
|
54.55
|
0.55
|
No
|
4
|
36.36
|
0.36
|
Undecided
|
1
|
9.09
|
0.09
|
Total
|
11
|
100
|
1.00
|
Source:
Response from questionnaires
Statement of null and alternative
hypothesis.
Null
Hypothesis: There is no need for Nigeria Deposit Corporation to carryout its
supervisory and distress resolution functions that enhance public confidence
through deposit mobilization in banking industry.
4.5 TESTING THE HYPOTHESIS
Hypothesis
2
Using
the formula
Z = X – npo
Npoqo
The variable defined as critical values
is same 5% level of significance which is equal to + 1.96
X
= 0.55
N
= 11
qo
= 0.09
Z = 0.55 – (11
x 0.36)
11 (0.36) (0.09)
Z = 0.55-3.96
11 x 0.0324
Z = -341
0.3564
Z = -341
0.60
Z
= -5.7
DECISION RULE
Since the calculated Z (i.e. 5.7) is
lesser than the critical value of Z (i.e. + 1.96) and the fact that falls
within the acceptable region indicates researchers therefore accept the
alternative hypothesis (Ha) and reject the null hypothesis (Ho conclusion.
The researchers concluded that NDIC’s
supervisory and distress resolution functions that enhance public confidence
through deposit mobilization in banking industry which was seen in the above
table of 11 questionnaire duly answered and 6 represented were of the opinion
that the NDIC’s supervisory and distress resolution functions that enhance
public confidence through deposit mobilization in the banking industry has no
direct effect in the performance of banking industry while 4 representing
36.36% and 1 representing 0.09% which show that the NDIC’s supervisory and
distress resolution has no direct effect in the performance of banking
industry.
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