EXAMINE THE ROLE OF FINANCIAL INSTITUTION IN AGRICULTURAL DEVELOPMENT IN NIGERIA WITH PARTICULAR REFERENCE TO NIGERIA AGRICULTURAL AND CO- OPERATIVE BANK ENUGU
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EXAMINE THE ROLE OF FINANCIAL
INSTITUTION IN AGRICULTURAL DEVELOPMENT IN NIGERIA WITH PARTICULAR REFERENCE TO
NIGERIA AGRICULTURAL AND CO- OPERATIVE BANK ENUGU
ABSTRACT
This project
is an attempt to examine the role of financial institution in agricultural
development in Nigeria with particular reference to Nigeria agricultural and
co- operative bank Enugu. And to suggest ways by which they can be of better
use to the nations. The project also made desperate attempt to get the view of
some farmers.
Chapter one consists of the general
introduction of the research topic, the statement of problems, the purpose of
the research, and the methodology.
Chapter two, is the review of relevant and
related literature is treated under such topic
Chapter
three consists of research design and methodology, sources of data, location of
data and method of data collection.
Chapter four
is summary and finding.
Chapter five
is recommendation and conclusion.
TABLE OF
CONTENTS
Title
page 1
Approval
page
11
Dedication
111
Acknowledgement 1v
Abstract
proposal
v
Table of
contents
v1
CHAPTER ONE
1.0
introduction
1.1
background of the study
1.2
statement of the problem
1.3
objective of the study
1.4
significance of the study
1.5
limitation of the study
Chapter two
2.0 review
of related literature
Chapter
three
3.0 research
design and methodology
3.1 sources
of data
3.2
locations of data
3.3 methods
of data collected
Chapter four
4.0 Summary
and finding
Chapter five
5.0
recommendations
5.1
conclusions.
Bibliography
CHAPTER ONE
1.0
INTRODUCTION
1.1
BACKGROUND.
Agricultural
is one of the most important sectors of our country’s economy. Enugu state is
no exception. Enugu state, characterized by low farm incomes, primitive farming
techniques which lower the level of production, and low level of capacity to
satisfy the food and fiber need of the nation. Infant agricultural is in a
part-type pf peascont agricultural which has been mentioned by many writers as
caught in a vicious circle of property low income resulting to poor savings and
little investment, because technology is poor, out put is always low and income
yield is low. Generally agriculture in Nigeria is caught as a low level
equilibrium trap.
The nature of technology is use always affects
the rate of return; i.e. the rate of return cannot rise because of poor
technology in use. This also as a result of poor financing, such agriculture
has been described as efficient but poor. In order to alleviate the numerous
problems being encountered by farmers and the economics loss suffered both
individual farmers and government in the international and local trade
transactions, then government decided to finance most of the agricultural
projects limited by individual farmers, co-operatives and institution.
Prior to 1976, the attention paid to
agriculture by successive government was not anything to write home about.
Farmers were not earned for pushed to the background and they weren’t
introduced into the use of modern scientific method of farming which would have
help them a lot to boost agricultural production. It was during the obasanjo
leadership that alteration was beginning to be given to agriculture with the
introduction of operation feed the nation (OFN). Then the idea was that of the
bulk of producing food for the nation was left with the farmers alone, we might
not achieve best result but the idea behind (OFN) was that all Nigerian should
join hands together and produce for our ourselves and the nation in general.
Ever since then, successive government have followed with different programs
all aiming developing products.
The evidence is that the establishment of
Nigeria agricultural and co-operatives bank ( NACB) ltd which is an apex
development financial institutions set up to external agricultural credit to
the agricultural and agro-alhed sectors of the Nigeria economy, this government
has shown a great concern in this wise. This is carried out through the
provision of loans to liability companies, state and federal government
agencies.
1.2
STATEMENT OF PROBLEM
Many
developing countries of the world have very few financial facilities,
considering the evolution of financial market in Asia, latin America and Africa
countries, it was assented that new financial facilities are very much needed
to extend. Financial help especially in Nigeria. In supporting this assertion,
it was contended that at a certain stage in agricultural development.
Agricultural credit clearly does become a strong force for further improvement,
when a man with energy and initiative who lacks only the resources for more and
efficient production is enabled by the use of credit to eliminate the block on
his path to improvement.
Within the two capital markets ( institutional
and non-institutional) available to rural producers, the informal sources is
the most extensive suppler of cedit Nigeria yet this sources has not supplied
the amount of credit enough in terms of requirement by farmers to modernize
their farming methods
The problem of agricultural development is
lack of finance and lack of capital to be invested in the sector. Agricultural
transformation plays a centre role on the process of economic development and
since past two (yrs) decade productivity in the sector has been steadily
declining.
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