CHAPTER ONE
INTRODUCTION
1.1 BACKGROUND OF THE STUDY
Agriculture in Nigeria is practiced at subsistent level and is characterized by numerous farmers operating several scattered small and fragmented plots of land using traditional methods such as land rotation, bush burning and crude implements (Odoemenem et al, 2013). According to Oluwepo, (2010), poor people in developing countries are less privileged and lacked access to formal financial services, a situation that hinders them from contributing to the economic growth of their countries. They depend entirely on farming and farming activities for survival and generation of income, or depend on other non-farming activities to supplement their main sources of income. The validity of this statement becomes evident when it is realized that over 90.0% of the country’s local food production comes from small farms which are usually not more than 10 hectares in size, while at least 60.0% of the population earn their living from these small farms. Most farmers have limited resources, a factor that limits their productivity, investment, savings and income. In the midst of these, farmers have resulted to a number of options to enhance their farm production activities, increase household income and improve their well-being. One of these options includes pooling their individual limited resources in order to work together as members of a cooperative society. Savings are of great importance in a developing economy like Nigeria. This is because of the direct bearing it has on the level of economic activity of the nation. Similarly, within the agricultural sector , the degree of progress attained will largely depend upon what the farmers do with the additional incomes generated from year to year from their farm activities. This stems from the fact that the growth rate in the farming economy largely depends on the stock of capital built in a farm organization and the ploughing back of such stocks in form of savings for further improvement of the farm organization. If these increments are spent on household expenditure, without building up the necessary infrastructure, the future economic development of the nation will be hampered. Adequate integration of saving and investment programmes into development strategies is capable of improving resource allocation, promoting equitable distribution of income, and reducing credit delivery and recovery costs. Cooperatives serve as useful instruments for marketing farmers’ produce and as avenues for saving and credit facilities as these informal financial institutions are mostly preferred by farmers due to easy accessibility, smallness of scale, and informal nature of transactions (Adeyemo, 2013; Onyenwaku and Ozoh, 2014).
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