Computer Based Loan Scheme Implementation: Challenges and Way Forward

Ewah, Evelyn Bassey and Onyimba, Roseline Chizoba (2025) Computer Based Loan Scheme Implementation: Challenges and Way Forward. International Journal of Advanced Research in Public Policy, Administration and Development Strategies (IJARPPADS), 7 (1). pp. 269-275. ISSN 2315-8395

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Abstract

This study examines the implementation of computer-based loan schemes in the Nigeria, focusing on the challenges and potential solutions within the post–COVID-19 nancial landscape. e paper reviews the evolution of digital lending platforms, regulatory requirements, and data protection obligations, highlighting their role in expanding access to credit. Using contextual analysis of banking performance indicators from 2020 to 2024, the study nds that the adoption of advanced digital intermediation technologies has positively inuenced total loan volumes and bank performance while reducing the ratio of non performing loans. However, issues such as predatory lending practices, privacy breaches, and inadequate compliance mechanisms persist. e paper recommends further investment in secure digital infrastructure, stronger regulatory enforcement, and robust consumer protection frameworks to enhance trust, efficiency, and sustainability in Nigeria's nancial ecosyst

Item Type: Article
Subjects: H Social Sciences > HJ Public Finance
Divisions: Faculty of Management and Social Sciences
Depositing User: mrs chioma hannah
Date Deposited: 19 Aug 2025 10:49
Last Modified: 19 Aug 2025 10:49
URI: http://eprints.gouni.edu.ng/id/eprint/5080

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