CREDIT MANAGEMENT TECHNIQUES IN AGRICULTURAL CO-OPERATIVE BANK IN NIGERIA

(A CASE STUDY OF NACRDB, ENUGU)

By

AUTHOR

Presented To

Department of Cooperative Economic And Management

ABSTRACT

The situation of co-operatives is nothing to write home about, if co-operatives should continue at this rate, they will wind up.  In view of the above, solution have to be designed for these problems.
Therefore, the objective of the study is to find out the various societies existing in the area under review.  To find out various problems being encountered by these co-operatives which tend to hinder their effective and efficient performance as agent of credit.  Finally, to make recommendations and suggest probably solutions that will enable these societies overcome the problems so as to function effectively.
The study will assist the loan committed managers in their decision making, as it concerns credit policy and management of credit in form of proper assessment of loan applications, proper supervision of credit and evaluation of project proposals.

TABLE OF CONTENTS

CHAPTER ONE

1.0 INTRODUCTION
1.1 BACKGROUND OF THE STUDY:
1.2 STATEMENT OF PROBLEM:
1.3 OBJECTIVES OF THE STUDY:
1.4 SIGNIFICANCE OF THE STUDY:
1.5 SCOPE AND LIMITATION:
1.5.1 LIMITATIONS
1.6 DEFINITION OF TERMS:
1.7 RESEARCH QUESTION:

CHAPTER TWO
2.0 LITERATURE REVIEW
2.1 THE NATURE OF CO-OPERATIVE:
2.2 THE NATURE OF CREDIT CO-OPERATIVES:
2.3 THE ORIGIN:
2.4 TYPES OF CREDIT CO-OPERATIVES:
2.5 CO-OPERATIVE THRIFT AND CREDIT SOCIETY (C.T.C.S.)
2.6 OVERVIEW OF CREDIT MANAGEMENT TECHNIQUES:
2.7 IMPORTANCE OF CREDIT MANAGEMENT:
2.8 CONTRIBUTION OF CREDIT TO ECONOMIC DEVELOPMENT:
2.9 THE NIGERIAN AGRICULTURAL CO-OPERATIVE AND RURAL DEVELOPMENT BANK LIMITED AS A SOURCE OF FINANCE FOR CO-OPERATIVE BUSINESS.
2.10 MANDATE, CORPORATE OBJECTIVES AND BUSINESS PHILOSPHY OF NACRDB:
2.11 CREDIT SCHEMES:
2.12 CUSTOMERS PROFILE:
2.13 HOW TO ACCESS NACRDB LOANS:
2.14 CONTRIBUTION OF OTHER BANKS IN AGRICULTURAL FINANCING:
REFERENCES

CHAPTER THREE
3.1 RESEARCH DESIGN AND METHODOLOGY:
INTRODUCTION:
3.2 AREA OF STUDY:
3.3 POPULATION OF THE STUDY:
3.4 SAMPLE AND SAMPLING PROCEDURE:
3.4 METHOD OF DATA COLLECTION:
3.6 RELIABILITY OF INSTRUMENT:

CHAPTER FOUR
4.1 DATA PRESENTATION, ANALYSIS AND INTERPRETATION:
4.2 ANALYSIS OF RESEARCH QUESTIONS PART ONE RESPONDENTS INDICATION OF SEX:
RESPONDENTS INDICATION OF AGE:

CHAPTER FIVE
5.0 SUMMARY, RECOMMENDATION AND CONCLUSION:
5.1 SUMMARY: 
5.2 RECOMMENDATIONS:
5.3 CONCLUSION:
BIBLIOGRAPHY 
APPENDIX A
APPENDIX  B

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