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An Examination of the role OF CO-Operative thrift and Credit Societies in Agricultural Financing (A case study of selected Co-Operative thrift and credit societies in Enugu metropolis)

 

ABSTRACT

In Nigeria, agriculture has remained the prime mover of the economy from pass government and individual attention have been focused to significantly  improve the adequacy of the this sector.

In this prefect, efforts have been made to examine the role of the co-operative thrift and credit societies in the financing of agriculture in the nation.  As a result of circumstances beyond the control of the researcher, selected co-operative societies in Enugu metropolis  has been chosen as a case study.  Therefore, to arrive at a meaningful and dependable conclusion, a  selection of co-operative societies in the state have been made and studied.  It is believed  that generalization would be made on the entire nation using the reseat arrived at in this research.  The project is divided into five chapters to enhance understanding and comprehension.  In chapter one an introduction of research was made.   Among other things in this chapter, the objective of the study and testable hypothesis were established.

Chapter two concentrated on the literature review, here materials relating to the project topic were thoroughly examined.  In chapter three which further on the design and methodology of the research the source and types of data

were established the technique for the presentation and analysis of the data were outlined.

In chapter four, the data so collected were presented on bar chart.  The hypothesis were tested and analysis using the chi-square testing technique relationship were necessary established using the spear man’s rank order correction co-efficient the perfect was finally concluded in chapter five.

 

TABLE OF CONTENTS

CHAPTER ONE     

1.0     INTRODUCTION                                            1

1. BACKGROUND OF THE STUDY                                  1
2. STATEMENT OF THE PROBLEM                                  4
3. OBJECTIVES OF THE STUDY                              5
4. RESEARCH QUESTION                                      6
5. SIGNIFICANCE OF THE STUDY                                  7
6. SCOPE AND LIMITATIONS OF THE STUDY           8
7. DEFINITION OF TER                                                9              CHAPTER TWO

2.1   THE CONCEPT OF AGRICULTURAL PRODUCTION IN    

                 NIGERIA.                                              12

2.2    CO-OPERATIVES IN NIGERIA CONCEPT ORIGIN AND

          STRUCTURE.                                                14

2.2A.      CONCEPT                                                 14

2.2B.  ORIGIN OF CO-OPERATIVE MOVEMENT

 IN NIGERIA                                                    16

2.2C. ORIGIN OF CO-OPERATIVE MOVEMENT IN ENUGU

METROPOLIS                                                         19

1. TYPES OF CO-OPERATIVE SOCIETIES IN ENUGU METROPOLIS                                               22
2. PROBLEMS OF AGRICULTURAL DEVELOPMENT IN ENUGU METROPOLIS                                        24
3. IMPORTANCE OF CREDIT TO FARMERS IN ENUGU METROPOLIS                                             27
4. PROBLEMS OF THE CO-OPERATIVES IN ENUGU METROPOLIS                                          29
5. RURAL BANKING SCHEME AND AGRICULTURAL FARMING.                                                     33
6. ANALYSIS OF CO-OPERATIVE SOCIETIES  PERFORMANCE IN GRANTING CREDITS TO MEMBERS FOR AGRICULTURAL DEVELOPMENT.                 35
7. NIGERIAN AGRICULTURAL AND CO-OPERATIVE BANK LIMITED (NACB).                                                37

CHAPTER THREE

1. RESEARCH METHODOLOGY AND DESIGN          41

3.1       INTRODUCTION                                          41

1. SOURCES OF DATA                                                42
2. PRIMARY SOURCES OF DATA                                  42
   1. SECONDARY SOURCES OF DATA                       42

3.3 SAMPLE  SIZE                                                   43

1. QUESTIONNAIRE DESIGN                                44
2. METHOD OF SAMPLE SELECTION                      45
3. DATA PRESENTATION                                      45
4. METHOD OF DATA ANALYSIS                                  46

     CHAPTER FOUR

1. DATA PRESENTATION AND ANALYSIS               49

4.1        INTRODUCTION                                                49

1. QUESTIONNAIRE  ADMINISTRATION                 49
2. DEMOGRAPHIC CHARACTERISTIC OF RESPONDENTS

ANALYSIS OF RESPONSES FROM OFFICIALS OF CO-OPPERATIVE SOCIETIES.                               51

CHAPTER FIVE

5.0       SUMMARY OF FINDINGS, CONCLUSION AND    

            RECOMMENDATIONS                                   62

1. INTRODUCTION                                              62
2. SUMMARY OF FINDING                                    62
3. RECOMMENDATIONS                                       64
4. CONCLUSION                                                 65

BIBLIOGRAPHY

          QUESTIONNAIRE.                               

 

CHAPTER ONE

1. INTRODUCTION

1.1       BACKGROUND OF THE STUDY

In any economy, one or more sections serves the prime movers driving  the rest of the economy.  Agriculture until recently has been the prime mover of Nigeria’s economy.  The last fifteen years witnessed successive governments in Nigeria’s taking several steps to boost agricultural production in the country.

Most notable among these efforts were the “National Accelerated Food Production Programme” ( NAFPP) which was launched in 1973.  Operation feed the nation (OFN) of 1976 and the Green Revolution Programme (GRP) that was launched in 1980 (IJERE. M. O 1975).  Special projects were also embarked upon to enhance agriculture such as Agricultural Development Authorities, River Basin and Rural Development Authorities, to mention just a few.  Provision of fertilizer, improved seeding to farmers, mass enlightenment campaigns.   Introduction of technology packages were also some of the attempts made to raising agricultural production.

In spite of all these, agricultural production in Nigeria is far from the target.  Productivity has declined to the