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首页> 外文期刊>International Journal of Economics and Finance >Lending Policies and Credit Administration in Pre-colonial Nigeria: A Case Study of Kundila of Kano
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Lending Policies and Credit Administration in Pre-colonial Nigeria: A Case Study of Kundila of Kano

机译：在殖民地尼日利亚的贷款政策和信贷管理局：凯诺Kundila的案例研究

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This Paper studies the canons of lending and credit administration methods in the pre-colonial informal financial sector taking a case study of Kundila a famous 19th Century trader in Kano City. Using desk research and interview techniques, the study finds similarities in both the lending principles and credit management styles in the pre-colonial informal setting and the modern financial institution’s practices. However, Islamic legal system in the 19th Century has helped to quicken administration of justice on cases of loan default as against secular laws that tend to cause delay in modern Nigeria. There was also intensive monitoring of loan and cases of auction of collateral or other severe measures against loan defaulters. The paper concludes that modern financial sector can learn from the leasing methods of Kundila so as to accord small and medium scale enterprises the opportunity of acquiring sophisticated machineries and equipment. This will increase aggregate production and assist government in achieving food security as well as rapid economic growth and development in the economy.
机译：本文研究了在殖民地非正式金融部门的贷款和信用管理方法的教规，旨在案例研究Kundila在卡诺市着名的19世纪贸易商。使用桌面研究和面试技术，该研究在殖民地非正式环境和现代金融机构的实践中找到了贷款原则和信用管理方式的相似之处。然而，19世纪的伊斯兰法律制度有助于加快贷款违约案件的司法管理，以防止倾向于造成现代尼日利亚的延误。还有密集监测贷款和拍卖抵押品或其他对贷款违约措施的抵押措施的案件。本文得出结论，现代金融部门可以从通往昆达的租赁方法中学习，以便符合中小型企业获取复杂机械和设备的机会。这将增加总产量，协助政府在实现粮食安全以及经济中快速的经济增长和发展方面。

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