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AN EXAMINATION OF THE ROLE OF COMMERCIAL BANKS IN FINANCIAL OF AGRICULTURAL PROJECTS IN ENUGU STATE ( A CASE STUDY OF FIRST BANK NIGERIA PLC 1999 – 2003)

  • Type:Project
  • Pages:108
  • Format:Microsoft Word
(Banking and Finance Project Topics & Materials)
PROPOSAL 
It has because very imperative to examine the role of commercial Bank in financing of A agricultural projects PLC, (1999 – 2003), is s topic so crucial that interested parties in the work many. 
It is very vital considering the role of commercial banks in general and first Bank in particular play in financing of Agricultural. Project in Enugu state, in sustaining the Economy.  
This creditable role being played by the above bank in sustaining the economy of Enugu state and the position of agriculture in the building of a venture find a self reliant nation attracted the attention of the researcher. The instrument with which the Central Bank of Nigeria Central the commercial Banks in general and first Bank in particular in terms of Agricultural loans were examined. With credit guidelines which comes out every year, Central Bank of Nigeria specifies, the minimum percentage of loan of agricultural sectors. Secondarily, the Federal Government of Nigeria and the Central Bank of Nigeria established the Agricultural credit guarantee the value fund by which the farmers who receive loan under it are guaranteed by the Central Bank of Nigeria. The liability of CBN is the case of default is up to 75%. 
The study tried to find out whether the decline in agricultural output within the state has link with the absence of credit facility made available to formers by commercial banks in general and first bank in particular in financing of Agricultural projects in Enugu state, in doing so first Bank of Nigeria (FBN) PLC with Bank office and area offices within Enugu state were selected for studies, and because of size three local Government treas were also selected for study and the include Enugu East and Enugu South.. Cluster sampling was used to selected farmers on which questionnaire were administered.   
Also used in collecting data was interview method because there were some farmer who were not very literate. The data collected was used testing the two hypothesis for the topic. The hypotheses included that carry out feasibility study to Agricultural farmers do not have any effect on commercial Banks in general and Bank in particular in financing of agricultural project in Enugu state, and commercial Banks aim general and first Bank in particular do not respond adequately to farmers in  financing needs of agricultural project in Enugu state.      
In testing the above hypothesis, chi – square test was used. The test concluded that carrying out feasibility study to Agricultural farmers in Enugu state do not have any effect.. It was also concluded that commercial Bank in General and first Bank in particular do not respond adequately to farmers in financing need of agricultural projects in Enugu state.   
Other mirror issues in  the researcher questions in the project were weighted to percentages. 
In conclusion, commercial banks in general and first Bank in particular should be more encourage to assist agricultural sector and appropriate staff expansion recommended for effective supervision to avoid both loan default and  diversion in Enugu state. 

TABLE OF CONTENTS 
Title page ii
Approval page iii
Dedication iv
Acknowledgement v
Abstract viii
Table of contents xi
List of tables xv
List of figures xv
List of abbreviation xv

CHAPTER ONE 
Introduction 1
1.1 Background of study 1
1.2 Statement of the problem 4
1.3 Purpose / objective of the study 6
1.4 Research question 7
1.5 Research hypothesis 8
1.6 Significance of study   8
1.7 Scope, limitations and delimitations 11
1.8 Definitions of terms 12
References 14

CHAPTER TWO
Review of related literature 16
2.1 The meaning of agricultural finance 16
2.2 Financing agricultural projects in developed country 17
2.3 Agricultural finance in Nigeria as a developing country 21
2.4 Problems facing agricultural project finance in Nigeria commercial bank  (first bank of Nigeria plc) 24
2.5 Agricultural financing in Enugu state 31
2.6 Evaluation of commercial banks (first bank Of Nigeria plc) performance in granting agricultural loans 31
2.7 Sources of agricultural finance in Enugu state 34
2.8 An overview of the federal government assistance in relation to agricultural finance 35
References 40

CHAPTER THREE: 
Research design and methodology 42
3.1 Research design 42
3.2 Area of study 43
3.3 Population 43
3.4 Sample and sampling techniques 44
3.5 Instruments of data collection 46
3.6 Methods of data presentation 48
3.7 Methods of data analysis 49
References 51

CHAPTER FOUR 
Data presentation and analysis 52
4.1 Presentation of questionnaire 54
4.2 Discussion of result 70
References 73

CHAPTER FIVE 
Findings, recommendations and conclusions 74
5.1 The findings of the study 74
5.2 Recommendations 77
5.3 Conclusions 80
Bibliography 81
Appendix 87
Questionnaires 88

LIST OF TABLES
4.1 Administration of questionnaire 
4.2 Feasibility study table 
4.3 Contingency table on loan application 
4.4 Save custody respondent 
4.5 Advisory services respondent 
4.6 Conditions specified by banks 
4.7 Respondent on granting of loan to agricultural projects 

LIST OF FIGURES 
4.1 Graph showing acceptance and rejection region 
4.2 Graph showing level of significance 

LIST OF ABBREVIATION 
Acgsf - agricultural credit guarantee scheme funds 
Camd - company and allied matter degree
C.B.N - central bank of Nigeria 
Fao - food and agricultural organization 
Fbn  - first bank of Nigeria 
Nig -   Nigeria 
Plc - public liability company 
X2  - chi – square 

ABSTRACT
It has become very imperative to examine the role commercial Banks play in financing Agricultural project in Enugu state. This creditable role being played by the above bank in the economy of Enugu state and the position of agricultural in building of a virtue and self – reliant nation will attract the attentio0n of the researcher. 
The instruments with which Central Bank of Nigeria (CBN) control the commercial banks in terms of agricultural loans will be examined. With credit guideline which comes every year, CBN specifies the minimum percentage of loan to agricultural sector.   
This study will find out whether the decline in agricultural output within the state has link with the absent of credit facility made available to farmers by commercial banks in financing agricultural project in Enugu state. In doing this, First Bank of Nigeria with the Enugu Zonal Office and area offices within Enugu State will be selected for the study. Because of size, three Local Government treas will be selected for the study and they are Enugu North, Enugu South and Enugu East Local Government treas. Cluster sampling will be sued to select farmers on which the question will be administered.   
Also, interview method will be used in collecting data because there are some farmers who are not very literature. Data that will be collected will be used in testing the hypothesis of the topic. In the testing of the above hypothesis, chi – square test will be used. 
The finding and recommendation of this will be made based on the analyzed data.
AN EXAMINATION OF THE ROLE OF COMMERCIAL BANKS IN FINANCIAL OF AGRICULTURAL PROJECTS IN ENUGU STATE ( A CASE STUDY OF FIRST BANK NIGERIA PLC 1999 – 2003)

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Details

Type Project
Department Banking and Finance
Project ID BFN1416
Price ₦3,000 ($20)
No of Pages 108 Pages
Format Microsoft Word

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    Details

    Type Project
    Department Banking and Finance
    Project ID BFN1416
    Price ₦3,000 ($20)
    No of Pages 108 Pages
    Format Microsoft Word

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