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

CREDIT MANAGEMENT TECHNIQUES IN AGRICULTURAL CO-OPERATIVE BANK (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 Bank of Agriculture grants loans to public.  For example, critical examining showed that BOA 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.

TABLE OF CONTENTS

CHAPTER ONE:

1.0    Introduction

1.1    Background of the study

1.2    Statement of the Problem

1.3    Objective of the study

1.4    Research Questions

1.5    Significance of the study

1.6    Delimitation of the Study

1.7   Definition of Terms

CHAPTER TWO:

2.1    Literature Review

2.2    The Nature of Credit Co-operative

2.3    Origin of Credit Co-operative

2.4    TYPES OF CREDIT CO-OPERATIVE

2.5    Co-operative Thrift & Credit Society (CTCS)

2.6       Overview of Credit Management Techniques

2.7    Importance of Credit Management

2.8    Contribution of Credit to Economic Development

The BOA as a source of finance for co-operative business

2.9    Bank of agriculture Limited as a source of Finance for Co-operative Business

2.10    Mandate, Corporate Objectives and Business Philosophy of BOA

2.11    Credit Scheme

2.12    Customer Profile

2.13    How to Access BOA Loans

2.14    Contribution of other Banks in Agricultural Financing

Reference

CHAPTTER THREE:

3.0    Research Design and Methodology

3.1    Research Design

3.2    Area of study

3.3    Population of the study

3.4    Sample Size

3.5    Method of Data Collection

3.6    Sources of Data

3.7    Reliability of Instrument

CHAPTER FOUR:

4.0    Data presentation, analysis and Interpretation

4.1    Data Presentation

4.1    Data Analysis

4.3    Interpretation of Data

CHAPTER FIVE:

5.0    Summary, Recommendation and Conclusion

5.1    Summary of Findings

5.2    Conclusion

5.3    Recommendation

Bibliography

Appendix

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