CHAPTER ONE

BACKGROUND OF THE STUDY

The staff customer relationship is a contractual relationship staff are the most important channel of communication the outsider’s opinion of the organization will be based almost entirely on the staff he knows or encounters and where by the employee is inefficient or surly the will be his (i.e customers) image  of the organization

On  the other hand in any business   where  products or service are sold or rendered the customer is the key success many year ago, one of Americas greatest the whole principles of customer relation in few word the customer is always right.

Customer can make or break any commercial enterprise if they are pleased with what they buy and happy about their treatment they will continue to buy and tell their friends but if the product service or treatment is un satisfactory the customer will not only stop buying but also will tell their friends and acquaintance about the unhappy experience.

Staff relations with customers are often as much as a management problem as public officer because every organization wants to create an image for itself.  Good staff customers relationship goes hand in hand it is difficult indeed to draw a line between them because staff has repeated contract with the public. The contact provides the best means for two way communication.  They permit an exchange of question and answers this proving an opportunity to explain persuade.  They also  make it possible to offend or err.

 The general public had anticipated that by now the picture of the staff customer relationship especially in the banking sector should have been pretty and nice to behold at least in terms of services attitude to work and more importantly in the upholding and up liftmen of the basic daily practices of the contract relationship.

Oral and written evidence seems to at least to the continued fall in the standard of staff customer relationship and its affect on the organizations image.

It is to appraise the extent to which the system has lives up to expectation in their system and other related area that promoted me into the research work.

The united bank for Africa limited (UBA) On which this research work  based originated from french  bank limited itself metamorphosed from BNCL Paris (Bangue national pude commerce et industry) established in 1982. the bank officially opened to business in December 1949 with a staff strength of twelve

In 1960 the bank went public in accordance with the policy and intention of the French owner of the bank to sell of some of their shares to Nigerians.  On February 1961 the united bank for Africa limited with incorporated to take over the assets and liabilities of the British and French bank and was officially opened for business under the new name on October 3, 1961 was

 1.2     STATEMENT OF THE PROBLEM   

There appear to be evidence more conclusion about the less cordial staff customer relationship than the public outcry the poor service offered in the banking industry particular disturbing is fact that as year roll by the outcry continues to mount height.

In the light of the bout the researcher is constrained to identify and make the following attempt to find out why bank staff process nonchalant and carefree attitude toward their customers counters service of the banks are not only de laying and frustrating but also lack courtesy and orderliness and human relations.

To find out the reason for discrimination favoritism dishonesty to know why the banks are characterized by inadequate infrastructure.  Out find out why the average Nigeria banks customers is not only careless but always in a hurry and forgery and fraud have become the article and trade of commercial bank (U.BA)         

 1.3     PURPOSE OF THE STUDY

The main purposes of the study are;

To find out or identify the major area of difference between the principle norms and ethics in the actual practice of the staff customer relationship in UBA.

To identify the problems experience during staff customer contracts and transactions.

To appraise the extent to which these problems have militated against improvement in staff customer relationship.

To review the physical handicaps militating against the effective actualization of the bank staff customer relationship

To evaluate the extent to which commercial bank have succeeded in dispensing their services to their customer

To ascertain the extent to which the bank staff customers relationship in uplifted in the state and UBA in particular.

To suggest avenues and methods of improvement of the identified problems and in so doing to further give an insight into this sector of our economy for its future use of professionally qualified and skillfully trained personal in furthering the banks staff customer relationship. 

 1.4            SCOPE OF THE STUDY

This study titled the impact of staff customer relationship on the organizational image a case study of united bank for Africa limited could have been extended to cover the nation as a whole and beyond but because of the short period with within which the study would be corn pleated and also attitude of people.

It is common knowledge that top executives of most companies in Nigeria do not give pertinent answer to question easily for reason of secrecy. The researcher is therefore anticipating some kind of unwell ingress to give all the necessary answer that will be required from question the project researcher is compelled to lit the scope of the study to UBA ltd Enugu.  And also the researcher used Enugu because it is the capital of Enugu state where the headquarters is located.  For reason Enugu will experience large turn out of customers in their branches.     

1.5            RESEARCH QUESTIONS 

The research questions are formulated.  What are the major area of difference between the principle norms and ethics in the actual practice of the staff?

Is there any problem experience during staff customer contractor or transactions?

To what extent had these problems militated against the effective actualization of the bank staff- customer relationship?

It there any avenue or methods of improvement to the identified problem. 

1.6            RESEARCH HYPOTHESIS

Based on the problem statement the researcher proceeds to formulate the following hypothesis, which will be tested in the course of the study

Problems of poor counter services do not exist management is the banks low performance management is not the cause of the banks low performance.   

1.7            SIGNIFICANCE OF STUDY

It has been said that the ultimate aim of any organizaiton is to obtain success by way of achieving its objectives in view of the above statement there is need for organization growth and order in our commercial banks especially (UBA LTD) which has been described as the product of the relationship between staff and customers. This contractual relationship that exists between staff and customer has some problem that at times hinder the performance of the bank staff and this research work will significantly solve these problem in properly identified and under-stood way which will go a long way towards reducing areas conflict and tension between the staff and customers.

1.8            LIMITATION OF THE STUDY

The study is about the impact of staff customer relationship on the organizational image.  United bank for Africa ltd will be studied to attain the objective if this research.

The limitations of this study mostly are as follows.

COST

Issuing and distributing of questionnaires cost money this means of transportation to UBA headquarter is exorbitant money is always needed for stationery for typing and binding the project.

TIME

A work of this nature needs time therefore more time is needed for a better insight into the work is a detailed study is to be made.  

1.9            DEFINITION OF TERM

Bank

Conceptual definition

Establishment for keeping money and valuable safety

Operational definition

United bank for Africa limited where money valuable are kept safety

Staff

Definition

Group of assistants I working together in a business or organization etc responsible to a manager or person in authority.

 Customer

Definition

Any person that transacts business or is being rendered service an establishment or a time.

Relationship

Definition

Connection between one thing person idea etc and another.

 Image

Definition

In an article in the (July/August 1997) issue of Harvard business review W.P marquires   defined “mage means the perception of the company by these publics. Also image in the picture of company’s audience have of it determined by all a company’s action.

 REFERENCE

Arnold John and Hope Jersey (1990) Accounting for Managerial Decision 2nd ed London; Prentice Hall International Ltd    

Cuttip M.S and Allen H.C (1971) Effective Relations New Jersey Prentice Hall Inc

Burleigh Gardner and David M. (1935) Human Relation in Industry Homewood Richard O. Liguin Inc

James B. (1921) Modern Democracies New York Macmillan Company.