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THE ROLE OF COMMERCIAL BANKS IN FINANCE SMALL SCALE AGRICULTURAL. (A CASE STUDY OF UDI, AWGU, EZIAGU AND ENUGU SOUTH

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  • Pages:81
  • Format:Microsoft Word
(Banking and Finance Project Topics & Materials)
ABSTRACT

 The study was done to ascertain the role of commercial banks in financing small-scale agriculture in selected areas of enugu agricultural zone. The aim was to determine the extent to which commercial banks have given out loans for small scale agriculture in comparison with other source of credit, and to look into the problem faced by both the small holder farmers and the banks as regard credit flow to farmers.
    The problems of loans repayment and reasons for loan default were also taken into consideration in this study.  Information was gathered through questionnaire and personal interviews.
   It was gathered b from the result that the small scale formers have not benefit to any noticeable extent from commercial banks credit accommodation in the bid to improved their farms. The study also indicated that rigorous procedures and complexity of loans farms were some of the factors that vitiate and reduce the access of small farmers to credit.
        In addition, it was gather that the inducement to ask for credit facilities by the small scale farmers from commercial bank died down due to the level of collate red requirement, viability of the scheme form which the loan was to be granted, the tag that the beneficiary  in most cases must be a corporation or a limited liability  company, other problem the small scale farmers envisaged as regard being accommodated by commercial banks or other financial institutions includes in a nutshell, illiteracy, ignorance, small size of farm holdings, little capital, lack of tangible assets and clear little of land low level of productivity, low income, little or no saving, interest rate paid, and economic condition in general.
             The importance of these finding were also indicated. In particular so long as the current practice of subjecting the farmer to some vigous procedure and task to overcome before granting the credit, it will be unrealistic to expect credit programmers to benefit small scale farmers and suggest the need for policies designed to accommodated these limitation.
   Finally, it was suggested that channeling credit through farmer’s co-operatives would conderably strengthen the risk of loan default. 



TABLE OF CONTENTS

Title page                                                               I
Approval page                                                        ii
Dedication                                                               iii
Acknowledgment                                                    iv
Abstract                                                                    v
Table of content                                                       vi

CHAPTER    ONE
1.0 INTRODUCTION 
1.1      Statement of problems
1.2 Purpose of the study
1.3 Significance of the study
1.4 Statement of hypothesis
1.5 Scope and limitation of the study
1.6 Definition of terms

 CHAPTER TWO
2.0     REVIEW OF RELATED LITERATURE 
2.1 Significance of small farmers
2.2 Source of finance 
2.3 Uses of finance 
2.4 Role of commercial banks
2.5 Factors affecting the distribution of credit to farmers
2.6 Repayment performance in credit programme
2.7 Problems associated with agriculture itself.

  CHAPTER THREE
3.0     RESEARCH DESIGN AND METHODOLOGY
3.1     sampling procedure
3.2 Data collection
3.3 Questionnaires design
3.4 Statistical treatment.

CHAPTER FIVE
5.0    SUMMARY FINDING CONCLUSION AND RECOMMENDATION
5.1 Finding 
5.2 Conclusion
5.3 Recommendation
BIBLIOGRAPHY
APPENDIX (QUESTIONNAIRES)

THE ROLE OF COMMERCIAL BANKS IN FINANCE SMALL SCALE AGRICULTURAL. (A CASE STUDY OF UDI, AWGU, EZIAGU AND ENUGU SOUTH

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Details

Type Project
Department Banking and Finance
Project ID BFN1496
Price ₦3,000 ($20)
No of Pages 81 Pages
Format Microsoft Word

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    Details

    Type Project
    Department Banking and Finance
    Project ID BFN1496
    Price ₦3,000 ($20)
    No of Pages 81 Pages
    Format Microsoft Word

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