AN INVESTIGATION ON THE PERFORMANCE OF NIGERIA AGRICULTURAL COOPERATIVE AND RURAL DEVELOPMENT BANK (NACRDB) IN AGRICULTURAL CREDIT DELIVERY
ABSTRACT
The study investigating performance of Nigeria agriculture cooperation and rural development bank limited (NACRDB) this specific objective were to identify the different loan scheme, number of farmer did participated in these scheme, examine the bank services rate, their arrival rate, the categories of customers served by the bank, a well structural questionnaire was used to elicit information. The information was used to analyze, using descriptive statistics. The study therefore recommended that more branch office should be established, staff strength of the bank should e increased and approved.
TABLE OF CONTENT
CHAPTER ONE
Introduction
Background of the study
Research question
Purpose of study
Significance of the study
Scope of study
Limitation of the study
Definition of terms
CHAPTER TWO
Literature review
CHAPTER THREE
Methodology
Population of the study
Sampling techniques
Research instrument
Validity of instrument
Procedure for data collection
Method of data analysis
CHAPTER FOUR
Analysis of data
CHAPTER FIVE
Summary, conclusion and recommendation
Suggestion for further research
REFERENCE
QUESTIONNAIRE
CHAPTER ONE
INTRODUCTION
BACKGROUND TO THE STUDY
Agriculture involves the cultivation of land raising and rearing of animal for the purpose of production of food for man, feed for animal and raw materials for industries. It is undisputable that agriculture is the bedrock of any developing nation as it provides the food and fibre requirement of the teeming population. Agricultural development is one of the crucial requirements for overall economic growth. Although the oil sector has now dominated the Nigeria economy, contributing up to 80% of government revenue and more than 10% of the country’s foreign exchange. It is still the agricultural sector that is sustaining the majority (70-75%) of the country population estimated of over 84 million in 1980 (Olatunbode, 1990). The low level contribution of agriculture to the Nigerian economy over the years has been known to be the major reasons why huge amount of import, bills are incurred by the government on food/fibre importation since the discovery of crude oil in the 70’s.
One characteristics of agriculture is that most of its product are seasonal and are susceptible to deterioration in storage, the rating of agriculture production in Nigeria make it a rather difficult sector for commercial bank lending. For exchange, a large number of the farmer are not literate and hence are not familiar with bank procedure. Also, then farmer often produce enough food to feed their families with little left for the market. (Ojo, et al 1981).
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