COMMUNITY BANKING PROBLEMS AND PROSPECTS

This project is poised at x-raying the degree of the role of financial management in a co-operate organization making reference to union bank (Plc) Enugu. Financial management activity is concern with the raising of capital planning cash and credit control including the effective control of financial resources. Some thought were giving to financial activity to provide planning, control and execution of financial activity. The practice management are interest in this subject because among the most crucial decision of he firm are those which relates to the finance and therefore need to understand the financial management which provide them with conceptual and analytical insight to make these decision. The financial must take step to ensure that fund will be actually available and committed to the firm. The financial manager is usually responsible of he gathering and analyzing of the relevant information, making forecast of the profit level to estimate profit from the future sale, the firm must be aware of the current cost and the most likely changes in the ability of the firm to sale its product as planned. The financial manager must measure the requirement return of its capital investment by answering this questions; dose the level of return offer adequate justify and that Of risk therein? H e is required to know the rate of return that is expected from the proposal before it is accepted. The financial personnel meet with other officer of the form and anticipate in making decision affecting the current and future utilization of the fund resource. The manager will discuses the total amount of asset needed by the firm to carry out its operation and determine the decomposition on need. They identify ways to use the existing asset mostly effectively and thereby reducing waste and needed expense. The decision making role cause liquidity and profitability The role of financial management in managing the funds available o the firm. The fund include cash held by the firm, money borrowed and money gained from the Purchase of common stock and preferred stock. The financial management is responsible for having sufficient for the firm to conduct its business and pay its bill and a lot of money to finance the receivable and invention making arrangement for the purchase of asset and identify sources of long term financing, in fact this study is aimed at the information on the role of financial manager in any organization to foster his performance in the following . Forecasting on the financial planning and control financial analysis . Working credit capital. Stock cash receivable market and structure medium short and long term success of fund and evaluation of stock and cost of capital financing. Divided policy and techniques of r capital investment analysis. This issue of whether this state role of the financial manager is executed or not in case to be investigated by the research is in the following perspective, (i) Budgeting and financial analysis (ii) Management of short, medium and long term financing (iii) Financial ratio and planning (iv) Managing and financial structure The researcher will analysis the financial concept using the annalistically tools and techniques obtained from the organization answer receive from the questionnaire to unfold the financial manager's decision on financial matters. It hope that the project will attain the standard required by all the examining bodies and also satisfy the curiosity of the general leading public who may have the desire to become acquainted