CREDIT MANAGEMENT TECHNIQUES IN AGRICULTURAL CO-OPERATIVE BANK IN NIGERIA

(A CASE STUDY OF BOA, 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.