SMALL FARMERS CREDIT DELIVERY THROUGH DEVELOPMENT BANKS

By

UDEH JOSEPHINE. U

Presented To

Department of Accountancy

TABLE OF CONTENT

Title pages

Approval page

Dedication

Acknowledgment

Table of content

CHAPTER ONE

Introduction

1.1 Background of study

1.2 Statement of the problem

1.3 Objective of the study

1.4 Scope and limitation of the study

1.5 Definition of terms

CHAPTER TWO

Literature review

2.1 The small farmers

2.2 Credit and role of credit in agricultural

2.3 Historical background of Nigeria agric and cooperative bank (NACB)

2.4 Source of credit to small scale farmers

2.5 Problem of credit delivery

CHAPTER THREE

3.1 Summary of finding

3.2 Conclusion

3.3 Recommendation

bibliography

CHAPTER ONE

INTRODUCTION

1.1 BACKGROUND

There are variety of source of fund for agriculture which some analysts have classified in a number of ways, formal and informal, institutional and non institutional, public and private, internal and external etc. these classification are based on contain basic features which this paper will not examine in detail. But when we talk of institutional vis - avis non institutional sources of funds obtained form banks, on bank, government sponsored agencies.

Also, classification of fund provided by sponsored of a project and unallocated funds (reinvested funds) generated by the project emphasis is placed on externally sourced funds form institutional channels with particular emphasis on the banks

Hence, this paper is narrowed to agricultural credit purveyance by banks in Nigeria which the commercial bank has played significant roles towards influencing this variable overtime.

1.2 STATEMENT OF THE PROBLEM

The major problem of small farmer include the following

Ignorance

Many people do not know of new development in agricultural. For example, most of the small farmer do not know that there is something like fertilizer, even those who know of he existence of fertilizer, do know how to use it effectively, them fore, it contributes to the downfall of the small farmers.

Lack of sufficient survey of the local environment

This had led in many case to wrongful investment which has the adverse effect of discouraging the small farmers

Poor extension service

In the local area, small farmers are not adequately educated by the extension staff. In most cases, the extension staff is insufficient and few present spend greater part of the day in offices rather than visiting and advising the farmers

Significant of the study

The significance of this study is to achieve a success in solving the problem that faces the small farmer which in turn will bring solution on how to tackle the problem stated above.

Objective of the study

The main objective of this research is to

v Find out the causes of poor performance of the small farmers

v To find a way or strategy that can help eliminate the poor performance of the small farmers

v To know the limitation or the problem of the small farmers and to make suggestion and recommendation that could be useful in solving the identified problem

Scope and limitation of the study

In view of short time allowed for this research, I concerted my field work in Enugu state because I know almost every part of the state.

Beside, there were many other problem that stemmed up during this research work in which of them is

Financial constraint

As a student, there was not enough capital to spend in transport and fact finding and borrowing of necessary literature that would have helped in the writing of this research work.

DEFINITION OF TERMS

Small farmers

Small farmer is defined as one whose land holding is less than three hectares

Credit

Credit is defined as a device for facilitating the temporary transfer of purchasing power from one individual or organization to another.