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

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.

TABLE OF CONTENTS

CHAPTER ONE:

Introduction

Background of the study

Statement of the problem

Objective of the study

Significance of the study

Scope and limitation

Definition of terms

Research question

CHAPTER TWO:

Literature Review

The Nature of Credit Co-operative

Origin of Credit Co-operative

Types of credit co-operative

Co-operative Thrift & Credit Society (CTCS)

Overview of credit management techniques

Importance of credit management

Contribution of credit to economic development

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

Mandate, Corporate objective and business philosophy of

NACRDB credit schemes

1. Micro Enterprise Scheme
2. Macro Enterprise Scheme

NACRDB Interest rate regime

How to access NACRDB loans

NACRDB Ltd sources of fund

Contribution of other banks in agricultural financing

References

CHAPTTER THREE:

Research Design and Methodology

Introduction

Area of study

Population of the study

Sample and sampling procedure

Method of data collection

Sources of data

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