EFFECTIVE ADMINISTRATION OF CREDIT IN COOPERATIVE ENTERPRISES

(A CASE STUDY OF UGWUAJI FMSC CO-OPERATIVE IN ENUGU SOUTH LOCAL GOVERNMENT AREA OF ENUGU STATE)

By

ANIKE VAL. OZIOMA CEM/H2002/002

Presented To

Department of Cooperative Economic And Management

ABSTRACT

This project is written to be useful to all who are interested in Co-operative Organizations, Management, students and the general public. This is to reveal the process of effective Management of Credit in Co-operative society in Enugu South.  In this project, one finds out the means of which this co-operative organizations generate fund, for example, through loan contract.  More so, proper strictly and critical examination showed that co-operative could raise fund for their goal both by internal sources and external sources. The Internal sources of fund generation include â“ share capital revolving and etc.  While external are loan from Agricultural and Co-operative Development Bank and other agricultural and co-operative development agencies.  Failure militating against effective Management of Co-operative societies were revealed both economic, political, and cultural, religious factors. Much recommendation on the way/ways of improving co-operative administration is critically highlighted, which could serve as machinery for any given effective guide towards releasing fulfilled objectives. The methods used in collecting data for this project are through the statistical methods.

NAMES OF THE OFFICERS OF UGWUAJI FMSC LIMITED

1. Ichie Peter Onukwue - Chairman
2. Mrs. Patricia Nwobodo - Vice Chairman 
3. Christopher Ogbodo - Treasurer
4. Mrs. A. U. Onukwue - Secretary General
5. Mr. Grea Awinwers - Assistant Secretary
6. Mrs. Nkechi Nwobodo - Financial Secretary
7. Mr. Abel Chukwu - Assistant Financial Secretary
8. Mr. Samuel Nnaji - Public Relations Officer
9. Mr. Michael Ujam - Provost
10. Mrs. A. C. Ogbih - Executive Officer
11. Mr. Obed Nnamanu - Executive Officer

TABLE OF CONTENTS

Title page
Certification
Dedication
Acknowledgement
Abstract
List of names of officers of the co-operatives
Table of contents

CHAPTER  ONE
INTRODUCTION
1.1 Background of the Study
1.2 Statement of Problem
1.3 Objective of Study
1.4 Significance of the Study
1.5 Scope and Limitations
1.6 Definition of Terms
1.7 Research Questions

CHAPTER   TWO
LITERATURE REVIEW
2.1 The nature of Co-operatives
2.2 Credit Co-operatives and their problems
2.3 Sources of Co-operative Finance
2.3.1 Internal Sources
2.3.2 External Sources
2.4 The Process of Credit Administration
2.5 The Loan Committee
2.6 Assessment of Loan Application
2.7 Terms of Credit
2.8 Supervision of Credit
2.9 Loan Recovery
2.9.1 Credit Co-operatives in Enugu South Local Government Area 
2.9.2 Factors Militating Against Efficient Credit Administration 

CHAPTER   THREE
RESEARCH METHODOLOGY AND RESEARCH DESIGN
3.1 Population Studied
3.2 Sample size and Sampling Techniques 
3.3 Method of data Collection
3.4 Method of Data Analysis
3.5 Sources of Data
3.6 Method of Data Analysis

CHAPTER   FOUR
DATA PRESENTATION, ANALYSIS AND INTERPRETATION
4.1 Data Presentation
4.2 Data Analysis
4.3 Data Interpretation

CHAPTER   FIVE
SUMMARY, RECOMMENDATIONS AND CONCLUSIONS
5.1 Summary
5.2 Recommendations
5.3 Conclusions

BIBLIOGRAPHY
QUESTIONNAIRE
APPENDIX

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