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CREDIT MANAGEMENT TECHNIQUES IN AGRICULTURAL CO-OPERATIVE BANK IN NIGERIA (A CASE STUDY OF NACRDB, ENUGU)

 

ABSTRACT

 

This project is written to be useful to all who are interested in co-operative organizations, banks and the general public.

This is to reveal the process of effective management of credit in Co-operative Agricultural Bank in Enugu.  In this project, one finds out the means of which this Nigeria Agricultural Co-operative and Rural Development Bank grants loans to public.  For example, critical examining showed that NACRDB grants two broad categories of loans namely: micro and macro.  At the macro level, only agricultural projects like agro processing, marketing, production, etc are considered.  While non-agricultural projects financed under micro include artisans such as vulcanisers, road side mechanics, barbing, hair dressing saloons etc.

Factors militating against effective credit management in Agricultural Co-operative Banks in Enugu were revealed both economical and political.

The method use in collecting data for this project is presented in tables and analysed using simple percentage rating.  Much recommendations on the way/ways of improving co-operative credit management is critically highlighted.

 

CHAPTER ONE

1. INTRODUCTION

1.1     BACKGROUND OF THE STUDY:

 

The Nigeria Agricultural, Co-operative and Rural Development Bank Limited is a development bank established in the year 2000 following the merger of the defunct Nigeria Agricultural and Co-operative Bank Limited (NACB) and former People’s Bank of Nigeria Limited (PBN) and the Risk Assets of the Family Economics Advancement Programme (FEAP).  The vision of the bank is “to be foremost people centred, self-sustaining development finance institution for rural savings, mobilization and delivery of micro and macro agricultural credit and micro credit to the poor”.  The mission is “providing affordable financial and advisory services to the farmers and non-farmers enterprises of the national economy using well trained and highly motivated staff, backed by appropriate technology, thereby fostering accelerated agricultural and rural development.  “Nigerian Agricultural, Co-operative and Rural Development Bank Ltd, is dedicated primarily to agricultural financing at both the micro and macro levels as well as micro financing of small and medium scale enterprises.