AN EVALUATION OF CREDIT FACILITIES AVAILABLE TO RURAL WOMEN IN BUSINESS

(A CASE STUDY OF UNITED BANK FOR AFRICA (UBA)- SAMARU BRANCH)

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Author

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Department of Administration

ABSTRACT

This study investigated the credit facilities available to rural women in business; The case of United Bank of Africa, Samaru Branch. The study also attempted to find out: 1. The lending practices and procedures of the bank, U.B.A. Samaru Branch with the sole aim of identifying lapses if any. 2. The efficiency of the bank's lending policies in terms of bad debts and ways of effecting repayments of the loan and interest when due or in case of default. 3. The problems perceived by both the bank and rural women with respect to credit functions in U.B.A. and make recommendations to improve the functions. The main research techniques adopted to collect data was mainly personal interview of both the bank officials and the beneficiaries of loans from the bank. The data collected was simply analyzed using simple descriptive statistics i.e. (percentage, frequency tables). It was found that UBA Samaru Branch considered lending as the most important services and thus gave loans for production, general commerce and services, public utilities and transport. The findings also revealed that lending principles of the bank holds character and capability of the customer very important, and that a good security and the ability of the customer to repay the loan when due was also considered before a lending decision was made by the bank, However, the findings revealed amongst other things that the beneficiaries of UBA loan complained that the conditions attached to the loan posed a serious constraint to rural business women particularly when most of them are illiterate and thus, were either unaware of such credit facilities or those that are aware cannot grasp the procedure of procuring such credit. Appropriate suggestions and recommendations in view of the findings were also given.


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