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
- Micro Enterprise Scheme
- 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
