This research work titled “human capital development and its effectiveness on workers performance in Guaranty Trust Bank, Mubi Branch aimed at determining the causes of inadequate human capital development, the level of satisfaction of workers about their jobs and to find out the problems behind rudeness and incivility among workers in the bank. Primary and secondary data were used by the researcher to gather the information and the case study method for research design.
The population of the study comprises the entire 35 staff of the bank out of which 25 staff were selected randomly. In theanalysis of the data collected, the research used simple percentage. The study revealed that there is inadequate human capital development in the Bank, lack of job placement and proper selection, prevalence of rudeness and incivility among workers. In view of these shortcomings, the researcher recommended that the management of the bank should integrate the selection process, motivate their workers, shun rudeness and incivility to ensure conducive working environment and bank and induce better productivity.
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