THE POTENTIALS FOR A CO-OPERATIVE THRIFT CREDIT SOCIETY IN A HIGHER EDUCATION INSTITUTION (A CASE STUDY OF I.M.T, ENUGU). A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

THE POTENTIALS FOR A CO-OPERATIVE THRIFT CREDIT SOCIETY IN A HIGHER EDUCATION INSTITUTION (A CASE STUDY OF I.M.T, ENUGU). A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

CHPTER ONE

1.1         BACKGROUND OF THE STUDY/INTRODUCTION

The Co-operative thrift and Credit Society is now in existence in many institutions of higher learning.  Based on this, one might start to wonder what this research topic is all about, since such a programme is not a new one.

 

All the same, the truth remains that the existence of Co-operative, Thrift and Credit Society in our higher institutions, one side is lower than the other, badly balanced.  This is to say that its present existence concern itself with only a particular section of the institution.

Institute of higher learning presently doing this programme only operate for the benefits of academic an non-academic staff (who are interested in the movement) in these institutions.  Thrift and Credit programme for educational institutions with particular references to the students populace.  To this time, student in institutions of higher learning have been deprived of enjoying the benefits of being members of co-operative movement as much as there is the urgency of the needs to inform students with the objective of the co-operative movement.

It is important for the cause of this research project to have a knowledge of the cooperative movement, the world over and in particular, Nigeria.  This is because such knowledge and understanding gained, provides an invaluable background of the history and patterns of co-operative in different parts of the word.

In the modern form, however, the origin of co-operative, thrift and credit societies can be traced to the 19th century and to Germany.

In Germany, many of the farmers have very small area of land but by hand work and skillful farming, there was just enough to keep the farming going.  The farmers got their credit from local merchants who charged high rate from them and paid low prices for the farm produce.  The result was that the farmers were most heavily indebted and sank into poverty.

Fredrick Willhelm Raiffeison (1818 –1888) seeing all the poverty and hardship of farmers, he tried to help in the light of these he thought out a plan for co-operative thrift and credit society in which the good men of the village could join together to make fund available as loans to co-operative members.  For each loan made there was the security of the property of the borrowed and two guarantors, who had to be members of the society.

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THE POTENTIALS FOR A CO-OPERATIVE THRIFT CREDIT SOCIETY IN A HIGHER EDUCATION INSTITUTION (A CASE STUDY OF I.M.T, ENUGU). A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

THE IMPACT OF SEMINARS WORKSHOPS AND CONFERENCE IN THE PROMOTION OF CO-OPERATIVE SOCIETIES (A CASE STUDY OF ACTIVITIES OF ECONFED IN PROMOTING COOPERATIVE SOCIETIES, ENUGU STATE). A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

THE IMPACT OF SEMINARS WORKSHOPS AND CONFERENCE IN THE PROMOTION OF CO-OPERATIVE SOCIETIES (A CASE STUDY OF ACTIVITIES OF ECONFED IN PROMOTING COOPERATIVE SOCIETIES, ENUGU STATE). A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

ABSTRACT

An investigation into the impact of seminars, workshops and conferences in promotion of co-operative fields workers was carried out by the use of questionnaire and review of existing literature in the field.  A total of sixty (60) respondents were used for the study.  Respondents were randomly drawn from various members of Economic Co-operative Federation Limited (ECOFED) and the co-operative division of the ministry of Commerce and industry Enugu State.     The findings shows that the members of Economic Co-operative Federation Limited (ECOFED) have not benefited adequately from the use of seminars/ workshops and conference as a veritable tool for co-operative education and training. It was also observed that the morals of existing co-operative members and staff is at rock bottom level due probably to lack of motivation through training analysis be conducted to find out the specific area of training needed and the appropriate approaches to be used to ensure adequately co-operative training to supply the co-operative manpower requirements needed to bring about a rapid development in co-operative promotion and co-operative performance in Economic Co-operative Federation Limited (ECOFED) and Enugu State at large.

 

CHAPTER ONE

1.0    INTRODUCTION

1.1       Background of the study

The main topic of this research project is based on the impact of seminars, workshops and conferences in the enhancing the performance and promotion of co-operative societies in Enugu State through Enugu State Co-operative Federation Limited (ECOFED).

Historical Background

Co-operative and co-operative Education is a form of business or organization where persons of similar social economic background put their resource together to establish a business on self-help basis in which member benefits from the business in their capacity as either member customer or member employee of that co-operative business.

   Education is the systematic training of people through formal or informal means, seminars, workshops and conferences etc, aimed at bringing about change in behavior of the recipient. It enables the recipient to acquire knowledge skills and abilities that is often exhibited through performance of tasks.  According to the new Websters/ dictionary of English language (1995:298) education is instruction or training by which people (generally young) learn to develop use their mental, moral and physical powers.

 

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THE IMPACT OF SEMINARS WORKSHOPS AND CONFERENCE IN THE PROMOTION OF CO-OPERATIVE SOCIETIES (A CASE STUDY OF ACTIVITIES OF ECONFED IN PROMOTING COOPERATIVE SOCIETIES, ENUGU STATE). A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

THE ANALYSIS OF FEDERAL GOVERNMENT EFFORT TOWARDS CASSAVA PRODUCTION (A CASE STUDY OF NKANU EAST LGA ENUGU STATE)

THE ANALYSIS OF FEDERAL GOVERNMENT EFFORT TOWARDS CASSAVA PRODUCTION (A CASE STUDY OF NKANU EAST LGA ENUGU STATE) . A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

ABSTRACT

The purpose of this study was to find out the analysis  of Federal Government effort  towards cassava production in pursuance of this study, researcher objectives and research questions were formulated.  Both primary and secondary data were collected and the data were them presented, analyzed, interpreted using texual, graphic and tabular modes of data presentation.  The population used in this study consist of 420 farmers in Nkanu East.  Though 382 questionnaire were returned of the 420, the survey research method in federal government.  However, cassava is the most widely cultivate crop in the Southern parts of the country cassava production was reported to be increasing among villages where the cassava, Yam, rice, beans, or peas were the most important crops, it is also grown by most every household, Nigeria is currently the largest producer of cassava in the world with an annual production of over 34 million tones of tuberous roots. Cassava has also increased in importance in the middle belt in recent years. I n all over fourth fifths of the cultivatable land area is suitable for cassava growing.  Furthermore, the federal government should be more sincere in the policy making which is standing tool for the progress if the project.

 

CHAPTER ONE

INTRODUCTION

1.1    BACKGROUND OF THE STUDY

Cassava is one of the most important crops in Nigeria. It is the most widely cultivated crop in the Southern part of the country in terms of area devoted to it and number of farmers growing it. Indeed, it is growth by almost every household, cassava has also increased in important in the middle belt in recent years, in all places, cassava has become very popular as a good and cash crop and is fast replacing yam and other traditional staples of the area.  In all over fourth fifth of the cultivable land area is suitable for cassava growing.

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THE ANALYSIS OF FEDERAL GOVERNMENT EFFORT TOWARDS CASSAVA PRODUCTION (A CASE STUDY OF NKANU EAST LGA ENUGU STATE) . A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS

SOCIO-ECONOMIC IMPORTANCE OF INCREASING AGRICULTURAL OUTPUT THROUGH THE ACTIVITIES OF COOPERATIVE SOCIETIES IN ANAMBRA STATE (A STUDY OF AGRICULTURAL COOPERATIVE SOCIETIES IN ANAMBRA STATE)

SOCIO-ECONOMIC IMPORTANCE OF INCREASING AGRICULTURAL OUTPUT THROUGH THE ACTIVITIES OF COOPERATIVE SOCIETIES IN ANAMBRA STATE (A STUDY OF AGRICULTURAL COOPERATIVE SOCIETIES IN ANAMBRA STATE) . A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS

ABSTRACT

The research works on the “socio-economic importance of increasing agricultural output through the activities of cooperative societies” a case study of selected agricultural cooperatives in Anambra state. The study was carried out to survey the past programmes and policies constituted by government to mobilize peasant farmers into agricultural cooperatives and check the functionality of the existing ones, as a way of facilitating the attainment of self-sufficiency in agricultural output. The challenges inhibiting achievement of the objective of these agricultural cooperatives and how it affects agricultural cooperatives in Anambra state was indentified. These challenges included use of crude and primitive method of farming implements, poor member-education and inadequate public awareness of cooperative potential, inadequate storage facilities and marketing outlets, individualism among Nigerian unwillingness to pool resources and work together and excessive control by the government who develops initiatives and direction the society would go.   Finally, to curtail all these challenges, improved and adequate co-ordination has to be put into consideration between the state and local government authorities, political and policy instability and inconsistency should be avoided and there should be adequately trained personnel.

 

 

CHAPTER ONE

1.0    INTRODUCTION

Agriculture is the bedrock of any nation’s economy. However, the dilapidating state of Nigeria’s agricultural sector and its consequences on the socio-economic development of the nation’s economy had given rise to this research work. Thinking along this path, the need to look into the sector and address the issue of poor performance gave rise to the establishment of agricultural cooperative societies to increase agricultural cooperatives societies to increase agricultural output. This is because agricultural cooperative have a large number of labour force in the rural area, who have contributed in the production of food crops, raw materials for industries and as a means of foreign exchange.

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SOCIO-ECONOMIC IMPORTANCE OF INCREASING AGRICULTURAL OUTPUT THROUGH THE ACTIVITIES OF COOPERATIVE SOCIETIES IN ANAMBRA STATE (A STUDY OF AGRICULTURAL COOPERATIVE SOCIETIES IN ANAMBRA STATE). A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS

THE ROLE OF AGRICULTURE CREDIT GUARANTEE SCHEME FUND IN THE DEVELOPMENT OF AGRICULTURE (A CASE STUDY OF CENTRAL BANK OF NIGERIA, ENUGU)  A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS

THE ROLE OF AGRICULTURE CREDIT GUARANTEE SCHEME FUND IN THE DEVELOPMENT OF AGRICULTURE (A CASE STUDY OF CENTRAL BANK OF NIGERIA, ENUGU)  A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS

CHAPTER ONE

1.0    INTRODUCTION

In Enugu state most inhabitants survive through agriculture and their main occupation is subsistence farming which attract the interest of may cooperative societies both old and new ones.          Agriculture plays a very central role in the economic development of Nigeria like offering of employment to more than 65% of the working population account for more than 70% of non oil exports and provides raw materials for the industrial sector.         Following the oil boom in the seventies agricultural production started to decline, the country started expressing increasing food shortage with the attendant increase in the quantity of food imports.

One can observe that Enugu state is still semi substantial and their output from agriculture production can neither feed the fearing population nor provide essential raw materials for the agro based industries. The export of the state major cash crops which has in the past supported the economy has verbally stopped.

While a lot of observers dwelt on the urgent need to reinitialize this sector, Omuma (1998) implied that the adverse effect of non-initialization of the agriculture sector will only bring such condition like famine and Kwashiorkor to the village but emphasizing on the importance of improving agricultural production through loans from government Igbo (1986) said it is now on the government for the independence on the external sources of food because it has tried their state independence to the uncertainties of ridicule.’

Then in the early seventies, the central bank of Nigeria and the federal government carried out a study to find out reasons for the declining agricultural production. The study revealed that credit was one of the major factors then the commercial and merchant banks (now deposit money bank) were reluctant to lend to agriculture because of the high default risk and the inability of the borrower offer tangible collateral.

 

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THE ROLE OF AGRICULTURE CREDIT GUARANTEE SCHEME FUND IN THE DEVELOPMENT OF AGRICULTURE (A CASE STUDY OF CENTRAL BANK OF NIGERIA, ENUGU) A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS

MOBILIZATION OF RURAL FARMERS THROUGH COOPERATIVE MOVEMENT IN ENUGU STATE (A CASE STUDY OF NSUKKA, LOCAL GOVERNMENT AREA)

MOBILIZATION OF RURAL FARMERS THROUGH COOPERATIVE MOVEMENT IN ENUGU STATE (A CASE STUDY OF NSUKKA, LOCAL GOVERNMENT AREA) A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS

ABSTRACT

Cooperative is an association of persons with common goals and their main objective is to promote the society to achieve the aim and objectives, members must have the same interest. And it is through cooperative that the rural farmers are mobilized. Mobilization in this context simply means gathering of people together in order to achieve specific goals or interest. In Nsukka local government area of Enugu State which was case study.  Rural farmers are mobilized through supporting and organizing an agricultural programme which helped in reducing illiteracy, among the members of the cooperative.  Extension services are being rendered to them through sending extension officers who inspect and audit all the books of the secretary of the cooperative society.  The government supports the cooperative by given them loans, grants and finds etc which will help the cooperative in solving most of their problems.  And cooperative by given them loans grants and finds etc which will help the cooperative in solving most of the problems.  And cooperative gives loans to their members to pay back easily.  During mobilization, locality but also severally in Nigeria through increasing the economic sector of the society through cooperatives.

 

CHAPTER ONE

1.0       INTRODUCTION

1.1    Background of the Study

Cooperative started in eighteen centuries, in Britain, as a result of the industrial revolution which caused great hardship for those who lost their job and also due to the evil capitalism.

According to Bob-igwe (2006:16), capitalism means the socio-economics system with the following relations of production. It is a system divided into exploiters of exploited in which the exploiters namely the capitalist: own the means of production that is means production, which means of life in the form of venture capital and property.

During this period, people begin to search for remedies to stop the evil of capitalism. It was in this period that the following Robert Own came up with an ideal of organization the people, to stop the evil of capitalism and to promote the economic interest of the people through cooperative.

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MOBILIZATION OF RURAL FARMERS THROUGH COOPERATIVE MOVEMENT IN ENUGU STATE (A CASE STUDY OF NSUKKA, LOCAL GOVERNMENT AREA) A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS

ROLE OF GOVERNMENT IN CO-OPERATIVE DEVELOPMENT A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS

ROLE OF GOVERNMENT IN CO-OPERATIVE DEVELOPMENT A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS

ABSTRACT

The Role of Government in Co-operative Development emphasis on the economic growth of the nation and the eradication/alleviation of poverty among the populace.

The significant of the contribution of government towards the growth of co-operative society in the country (Nigeria) cannot be over emphasized because it has brought about the reduction of dependency rate of the country.  This increasing the national income of the country.  The government take no special interest in the co-operative movement outside  providing it with the necessary legal basis for registration and under some circumstances, granting minor privilege  in the form of reduced tax rate.

The aim of this project is to find out the role of Anaocha Co-operative society development,  Anaocha local government area in Anambra state.  The subjects used for the study consisted of four hundred and ninety-nine (499) Anaocha co-operators from six (six) registered Anaocha co-operatives in the same local government.  Sample size was used in selecting these four hundred and ninety-nine (499) co-operators from the population of six registered Anaocha co-operatives societies in the local government.  Questionnaire and oral interview were the major instruments used for the study.

A total of 550 questionnaires were administered to registered members of the co-operative societies.  Out of this number, 499 were completed and returned, one more questionnaire was administered to the Divisional co-operative officer of Anaocha local government area.  He also stressed on the need for the co-operative officers in Anaocha local government area to encourage the women to invest more to productive ventures than collection of individual loans from the co-operatives.  This will help provide employment opportunities for the members and the people of Anaocha in general.

 

 

CHAPTER ONE

 

INTRODUCTION

1.1        BACKGROUND OF THE STUDY

According to the co-operative law of Eastern Nigeria (CAP.28) of 1956 co-operative society is an association which has its objective the promotion of the economic interest of  or the provision of services for its members in accordance with co-operative principles.  Therefore, co-operative is a self help project.

 

Abinitio, co-operative were not supposed to be under government influences and control, though, co-operative were not supposed to work in isolation or in competition with government for is all states of the world political  power is exercised for the state by government.

The government provides security for lives and property and also provides and enacts laws which enables business and co-operative to flourish.  Beyond the level of work only for the interest of the member and betterment of the entire society.

 

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ROLE OF GOVERNMENT IN CO-OPERATIVE DEVELOPMENT A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS

THE ACTIVITIES OF I C A IN REGIONAL OFFICE OF WEST AFRICA, ASIA AND THE PACIFIC. A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

THE ACTIVITIES OF I C A IN REGIONAL OFFICE OF WEST AFRICA, ASIA AND THE PACIFIC. A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

 CHAPTER ONE

 

1.1                INTRODUCTION

INTERNATIONAL CO-OPERATIVE ALLIANCE REGIONAL OFFICE FOR ASIA AND THE PACIFIC .

The major thrust of this chapter x-rayed the emergence of todays’ co-operative.

Principles. The international co-operative alliance (ICA) came into being in 1895 in London, England. The ICA roap is the regional office for Acia and the pacific of international co-operative Alliance (ICA) the world body of all co-operative with its head office in Geneva founded in London on 13 August 1895.  I C A is a member – based organization with national and international co-operative organizations in over 102 countries.  It serves more than 241 member organizations, including  five international organizations, representing well over 780 million individual members around the world.

 

Besides the head office in Geneva, Switzerland, there are five regional offices vis:

a)        Regional office for Asia and the  pacific.

b)        Regional office for East Central and Southern Africa.

c)        Regional office for West Africa.

d)       Regional office for central America and the Canibbean.

e)        And Regional office for Europe.

The I C A enjoys category – 1 consultative status with the united Nations Economic and social council (UNECOSOC) and has active working relations with UN and other international organizations.

The I C A  Regional for Asia and the pacific (ICA ROAP) is also located in New Delhire India, serves 54 national level organizations from 22  countries and one international organization Asian Confederation of Credit Unions (ACCU), representing over 48 million individual  members of co-operatives in Asia pacific region.   It is the apex body charged with co-operative development.  Over time, I C A came to realize the inadequacies of the Rochadale co-operative principles.

 

Many factors gave rise to I C A revisiting the Rochdale principles.  Over the years, all co-operatives the world ever adopted these principles just to be recognized as co-operatives.  With the passage of time practitioners recognized that these Rochdale principles were grossly inadequate to all types of co-operatives.

Many reasons accounted for this.  They include:

i)                    The Rochdale principles were essentially for consumer retailing and therefore could not apply to other types of co-operatives like credit, marketing, farming, etc.

ii)                  The Rochdale principles were not only philosophies but contained some trade practices which were not typically principles.  For instance, cash trading at market price and sale of pure and unadulterated  goods were trade practices, which can apply to other business organization.

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THE ACTIVITIES OF I C A IN REGIONAL OFFICE OF WEST AFRICA, ASIA AND THE PACIFIC. A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

THE  PROBLEMS ASSOCIATED WITH CO-OPERATIVE AUDITING (A CASE STUDY OF NSUKKA LOCAL GOVERNMENT AREA IN ENUGU STATE CO-OPERATIVE MOVEMENT.). A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

THE  PROBLEMS ASSOCIATED WITH CO-OPERATIVE AUDITING (A CASE STUDY OF NSUKKA LOCAL GOVERNMENT AREA IN ENUGU STATE CO-OPERATIVE MOVEMENT.). A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

ABSTRACT

Co-operative Audit is one of the statutory duties of the Co-operative director, is the act of examining the account book of co-operative societies to insure accountability in the management of co-operative fund.  This aspect of the duties of co-operative director is very essential to the viability of co-operative societies towards the attainment of co-operative objectives.

Inspite of the importance of co-operative auditing to the development of co-operative it has been observed that there are many problems associated with co-operative auditing.  This have propelled the researcher to embark in the project works.

This project work covers the problems associated with Co-operative Auditing  (A case study of Nsukka L.G.A).  This work will be in five chapters:

 

CHAPTER ONE

INTRODUCTION

An audit is independent examination and expression of opinion on the financial statement of an enterprise by an appointed auditor in pursuance of that appointment and in compliance with any role statutory obligation.  an audit involves an examination or investigation of the statement in figure from relevant evidence with the objective of enabling the auditor to make a report on the state of statement.  Also is the examination of business transactions with a view of ensuring that the balance sheet and the Profit and Loss account give a true and fair view of the financial statement, that is, the examination of accounts to see that they are in order.

Auditing is of two steps:  The first being the process of gathering evidence relating to transactions, and the other being the function of reporting to the members of the enterprise as to whether the financial statements show a true and fair view of the state of affairs of the enterprise and the profit or loss for the year ended on that date.  In the case of a statutory audit, the matters to be reported upon are laid down in the companies act or in other relevant legislation.  Coming to non-statutory audit, the matters to be dealt with in the report should be agreed in writing between the auditor and his client.  The engagement letter should explain the scope of the audit and state that the auditor will review the accounting systems in order to assess their adequacy as a basis for this preparation of the financial statements.

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THE  PROBLEMS ASSOCIATED WITH CO-OPERATIVE AUDITING (A CASE STUDY OF NSUKKA LOCAL GOVERNMENT AREA IN ENUGU STATE CO-OPERATIVE MOVEMENT.). A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

COOPERATIVE AS AGENT OF RURAL DEVELOPMENT (2008-2012) A CASE STUDY OF ABAKPA NIKE LOCAL GOVERNMENT AREA. A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

COOPERATIVE AS AGENT OF RURAL DEVELOPMENT (2008-2012) A CASE STUDY OF ABAKPA NIKE LOCAL GOVERNMENT AREA. A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

CHAPTER ONE

1.0    INTRODUCTION

          In most developing countries, cooperative societies constitute the most important aspects of rural development. It was proposed as a result of the evils of the industrial revolution as of (1750 – 1850. It was when the factory owners (the capitalists) exploited workers bitterly in order to maximize profit. During that period    unemployment was rife and were extremely low. There was child labour, shop keepers on their own part sold adulterated goods. The worker lived in crowded shanties in unsanitary conditions. The worked for more than twelve hours in ill ventilated factory buildings

That looked like a prison yard

These anti-social effect of the life industrial revolutions resulted in wide spread of poverty and sufferings while others died of malnutrition, disease and starvation. Life was so hard that the decade became known as “hungry forties” it was because of all these problems that great men (workers) started fighting for social reform they retailed with violence and strikes they condemned the evils of capitalist.

   It was then that the apostles of Robert owen (the Owenties) Dr Willian king, JohnLyod Charles Hawarth, Willaim owenite. Willaim pare looked for the better way to solve their problems and later proposed the word co-operatives as a solution to wipe out those evils. The gospel spread all over the countries of the world throughout cooperatives movement.

When they have succeed in 1750 through the help of Rochadale pioneers of 1844, they carried on the gospel o cooperative. The rochdale pioneers include.

–      Charles fourier

–      Charles Donwin

–      Louise Blank

–      Phillipe scotta

–      Philipe Buchez

1.1    BACKGROUND OF THE STUDY

Cooperatives societies have spread all over the countries of Africa, more especially in Nigeria it was because of its vital roles towards the development of rural areas that led to its proposal after the F.C strick land report.

  Cooperative society help to reduce the sufficient of less privileged ones living in the problem of poverty, unemployment and poor standard of living among rural dwellers need a self help organization were they will pool their little resources together to help themselves this will stop total dependence in government assistance by means of forming a cooperative society that is collective action they will be able to solve their individual problems.

 

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COOPERATIVE AS AGENT OF RURAL DEVELOPMENT (2008-2012) A CASE STUDY OF ABAKPA NIKE LOCAL GOVERNMENT AREA. A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

THE IMPORTANCE OF STUDYING ECONOMICS OF CO-OPERATIVE BUSINESS ENTERPRISES AS A QUALIFYING SUBJECT FOR THE WARD OF OND IN CO-OPERATIVE ECONOMIC AND MANAGEMENT. A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

THE IMPORTANCE OF STUDYING ECONOMICS OF CO-OPERATIVE BUSINESS ENTERPRISES AS A QUALIFYING SUBJECT FOR THE WARD OF OND IN CO-OPERATIVE ECONOMIC AND MANAGEMENT. A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

CHAPTER ONE

1.0       INTRODUCTION

            A co-operative society is an association of persons who have voluntary joined together to achieve a common end through the formation of a democratically controlled organization making equitable contributions to the capital required and accepting a fair share of the risks and benefits of the undertaking in which the members actively participate (L.L.O 1960).

The term co-operative is often used to mean the activities of a specific form of organization, that is any form of persons working together to achieve some aim or aims on a formal basis.

A co-operative is always determined by four elements and these are:

i           A group of persons with at least one economic interest in common.

ii          The self-help motivation, that is, the aim of the group which is to meet

the common need of members by joint action based on mutual

assistance.

iii         The means to achieve this aim which is to establish a common

enterprise.

iv         The main objectives of this co-operative enterprise is to perform

services . The promotion of the economic interest of the members.

The attitude of people students and the society in general especially the ignorant ones towards co-operative society today is not encouraging and this has prompted the researcher to carry out study on the importance of studying the course by students so that they may contribute to the knowledge of co-operative after their stay on school and to make known to the outside world the impact of co-operative societies.

1.1       BACKGROUND OF THE STUDY

The first successful co-operative society is caused the Rochadale society of equitable pioneers was established in Rochdale an industrial town close to Manchester. The Friendly Societies Act registered the society on October, 28th 1844.

 

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THE IMPORTANCE OF STUDYING ECONOMICS OF CO-OPERATIVE BUSINESS ENTERPRISES AS A QUALIFYING SUBJECT FOR THE WARD OF OND IN CO-OPERATIVE ECONOMIC AND MANAGEMENT. A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

THE EFFECT OF GOVERNMENT POLICIES TOWARDS THE DEVELOPMENT OF CO-OPERATIVE SOCIETIES IN AWKA NORTH LOCAL GOVERNMENT. A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

THE EFFECT OF GOVERNMENT POLICIES TOWARDS THE DEVELOPMENT OF CO-OPERATIVE SOCIETIES IN AWKA NORTH LOCAL GOVERNMENT. A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

PROPOSAL

Co-operative is institution of a dual native.  They are organized by groups of persons based or self-interest, initiative and active participation of the persons who are members and business undertaking which are established, managed and financed by the members of the co-operative enterprises for the promotion of their individual enterprises and for house holds.

Co-operative are institutions for evolution which stress the importance of life long education, which see to mobilize their members to improve their own situation through organinised group action which try to change their own attitude from passive into active, from dependence on theirs to self-reliance and thereby seek to transform traditional farmers, craftsman, workers artisans who static, elements in subsistence economic and more dynamic members of developing society.

Since government has put emphasis and plans for the development of co-operative organisation, government policies are towards enhancing the development of co-operative organizations.  Indirectly, development of co-operative organisation is the development of individual members or co-operators.

As such, co-operatives with their peculiar social and economic objectives principles and structure are among the most suitable institutions to involve the people in the process of development through their own organizations.

The co-ordination of co-operative of development plans with national and states development plans is essential for the success of co-operative programmes.  This is especially so, when co-operative societies are used as agents for the implementation of the integrated development programmes.  One of the essential preconditions for collaborates between co-operatives and government agencies are that government will have to allow co-operative a certain degree of autonomy.

When settling common goals, guidelines for joint action and self-government will have to be preserved for the co-operatives within the general framework of plan and the co-operative objectives.

 

CHAPTER   ONE

INTRODUCTION

GENERAL INTRODUCTION

The history of co-operative movement records many cases of individuals and communities being socially rehabilitated through co-operatives.  The co-operative movement through the methods it employs and qualities from its members, free individual not only from users and profiteers but also from individual attitudes and social customs, which are obstructive to progress, and teaches the virtues of honesty, loyalty, and punctuality and stick respect for engagements.

 

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THE EFFECT OF GOVERNMENT POLICIES TOWARDS THE DEVELOPMENT OF CO-OPERATIVE SOCIETIES IN AWKA NORTH LOCAL GOVERNMENT. A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

THE IMPORTANCE OF STUDYING PRINCIPLES AND ECONOMICS OF CO-OPERATIVE AS A QUALIFYING SUBJECT FOR THE AWARD OF OND IN BUSINESS STUDIES (BUS 123). A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

THE IMPORTANCE OF STUDYING PRINCIPLES AND ECONOMICS OF CO-OPERATIVE AS A QUALIFYING SUBJECT FOR THE AWARD OF OND IN BUSINESS STUDIES (BUS 123). A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

PREFACE

The problems faced by co-operatives and students studying co-operative Economics stems from their lack of understanding of the co-operative principles and the uniqueness of the co-operative Business Enterprise.

In this project the principles of co-operative were reviewed to enable readers understand the basic concept underlying the co-operative principles.  It analyzed the basic steps to be taken in the organization of a viable co-operative society, since it possess  a major problem in the co-operative movement.

 I hope that co-operators who read this project will be able to at least be able to organize a successful co-operative society.

 

CHAPTER ONE

MEANING OF CO-OPERATIVE

The co-operative institution will tell us that the co-operative institution is about people. It’s about a business.  It is in line with these assertion that various definitions of this subject have been postulated by some school of thoughts.  Whereas some scholars see co-operative or define co-operative as an association of person usually of limited means who have voluntarily joined together to achieve a common Economic goals through the formation of a democratically  controlled business organization, making equitable contribution to the capital required and accepting a fair share of the risk and benefits of the undertaking in which the members actively participate.

Other International Co-operative Alliance (I.C.A) compliments with the view that co-operative is an autonomous association of persons united voluntarily to meet their common economic, social and cultural needs and aspirations through a jointly owned and democratically controlled enterprise.

Furthermore, a co-operative society can be defined as an enterprise formed and directed by association of users applying within itself the rules of democracy and directly intended to save both its own members and the community as a whole.

Finally, according to (Bob-Igwe, 1993:15), he defined Co-operative as a voluntary, evolutionary democratic process resulting from initiative and enterprise at the “grassroots” by individuals motivated by the principle of self -help and mutual aid.

 

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THE IMPORTANCE OF STUDYING PRINCIPLES AND ECONOMICS OF CO-OPERATIVE AS A QUALIFYING SUBJECT FOR THE AWARD OF OND IN BUSINESS STUDIES (BUS 123). A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

UNEMPLOYMENT AND CO-OPERATIVE SOCIETIES A CASE STUDY OF ENUGU EAST LOCL GOVERNMENT AREA. A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

UNEMPLOYMENT AND CO-OPERATIVE SOCIETIES A CASE STUDY OF ENUGU EAST LOCL GOVERNMENT AREA. A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

CHAPTER ONE

INTRODUCTION

1.1            BACKGROUND OF THE STUDY

There are some vital issues that we have not failed to know and understand about the topic under discussion.  First and foremost, we have succeeded in bringing into cognizance  that one of the support agencies which its role deals squarely on unemployment and underemployment in Nigeria  is National Directorate of Employment (NDE).  It was established by the Federal Government in November, 1986 which is solely dealing with the menace of mass unemployment in the country as it was stated in its four core programmes and it was inaugurated on 30th of January, 1987.

 

On the other hand, the co-operative societies  are not exempted, in so far that the both are promoting the creation of employment opportunities for co-operators.  Co-operative itself cuts across every facet of social, political and economic aspects.   For instance, Nigeria Agricultural and Co-operative Bank (NACB) which was constituted in 1973 by the federal Government with an initial capital of twelve million naira (N12m).  In this direction of co-operative societies in the agricultural sector with the provision of credit facilities.

 

In furtherance, National Directorate of Employment has the following cardinal objectives to achieve especially in generating employment.  Ensuring that co-operators or job seekers become entrepreneurial oriented and pay less attention on government paid employment and thus reducing drastically the high level of unemployment.

 

Before we round off, the federal government has been making concerted effort to mass unemployment.  Currently, Olusegun Obasanjo’s regime is tackling this through  National Poverty Eradication Programme (NAPEP) as far back as 1999 till date (2005).  All is to stamp out unemployment.

 

Recently, the National Directorate of Employment announced and outlined various training programmes and thousands of job to be provided for the unemployed Nigerians at the middle of August, 2005.

1.2            STATEMENT OF THE PROBLEM

More often than not, lack of employment has given rise to all kinds of set back, problem in all sectors of our economy.  In fat, the high rate of unemployment and under employment has completely raged the socio-economic well – being of our nation, thereby, causing untold hardship, depression, frustration and forceful massive exodus of our teeming brethrens who are seeking for greener pastures abroad.

In other words, the fact remains that the high rate of unemployment problems are getting out of hand and even reached to a worsening level.  Day-by – day, it multiplies to an alarming proportion.

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UNEMPLOYMENT AND CO-OPERATIVE SOCIETIES A CASE STUDY OF ENUGU EAST LOCL GOVERNMENT AREA. A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

THE ANALYSIS OF LOAN ADMINISTRATION IN FINANCIAL INSTITUTION IN THE NIGERIA ECONOMY (A CASE STUDY OF NIGERIA AGRICULTURAL CO-OPERATIVES AND RURAL DEVELOPMENT BANK). A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

THE ANALYSIS OF LOAN ADMINISTRATION IN FINANCIAL INSTITUTION IN THE NIGERIA ECONOMY (A CASE STUDY OF NIGERIA AGRICULTURAL CO-OPERATIVES AND RURAL DEVELOPMENT BANK). A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

ABSTRACTS

This study step out to analyze the loan administration in the financial institution in the Nigeria economy ( a case study of he Nigeria agricultural cooperatives and rural development banks ( NGCRDB). The project is intended to focus on the adequacy of credit supply to he sector of the economy by NACRDB loan disbursement. The researcher attempted to find answer to the following research question. Viz to what extent has NACRDB contributed to the development of Nigeria economy through this loan administration? What is the adequacy of NACRDB sectoral allocation towards agricultural development in Nigeria ? what is the influence of the interest rate on loan administration by NACRD?

The researcher relied extensively on data and information-collected form the NACRDB of Enugu and Awka zone. The study is covered by the period of 2000 – 2002. the researcher also employed the percentage analysis and used table to illustrate the trend analysis carried out. To carry out this study is a directive framework. Four research questions were formulated. The four questions attracted a total of 7 questions in the questionnaire. The questionnaire is made up of three section (ABC). Section “A” deals on the general information, which was not tested while section B&C were tested. Four hypothesis were drawn and was tested using the chi – square method and formular. Questionnaire were designed, typed and distributed to the area of study, which involve both the costumers and the staff of financial institution of the study. This was to gather vital information on the topic in question. The stratified random sampling was used in the in the selection of the respondent in the financial institution (NACRDB). The reason to enable or make it easier for the researcher to get a comprehensive use of the population of the study. A total of 70 questionnaires were administered and out of this figure, 40 were returned, and 30 were unreturned. A table is used to illustrate the return of the questionnaire; percentage method was used in analyzing the research question. The outcome or the result of the research question or the hypothesis shows that loan administration in financial institution NACRDB in the Nigeria economy is very vita in the sense that it contribute to a very great extent in the growth and development of the country.

However, NACRDB have to be helping farmers by giving them enough loan and advances so as to boost the agricultural sector, which is the major source of food supply in the economy. As a result, more food will be produced and the export rate will increase. After collection and analysis of data, the researcher was able to give some suggestion on how the NACRDB farmer relationship in financing could be improved. It is recommended that the federal government should continually provide the enabling environment for the NACRDB to perform by providing rural area with basic amenities and as well ensure adequate funding of the institution (NACRDB). Finally, conclusions were drawn based on the findings and recommendations. It encompasses all the area writing in the project work.

 

CHAPTER ONE

 

1.1 INTRODUCTION

Loan administration is one of the external mean of financing many sector of the economy especially the agricultural sector. This is due to the fact that the agricultural sector is the major source of the food production and supply in the country. This loan is been administered through the financial institution established by the federal government of Nigeria. It (loan administration) is been introduced so as to help rural farmers and small-scale business financially in their various businesses. This enhances and increases the agricultural productivity. Loan administration in the financial institution is also one of the elements that determine the extent of economic growth and development in the country.

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THE ANALYSIS OF LOAN ADMINISTRATION IN FINANCIAL INSTITUTION IN THE NIGERIA ECONOMY (A CASE STUDY OF NIGERIA AGRICULTURAL CO-OPERATIVES AND RURAL DEVELOPMENT BANK). A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

A STUDY ON COOPERATIVE THRIFT AND LOAN SOCIETY (A CASE STUDY OF FEDERAL MINISTRY OF INDUSTRY AND TECHNOLOGY, OWERRI, IMO STATE  – 1998 – JUNE 2004). A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

A STUDY ON COOPERATIVE THRIFT AND LOAN SOCIETY (A CASE STUDY OF FEDERAL MINISTRY OF INDUSTRY AND TECHNOLOGY, OWERRI, IMO STATE  – 1998 – JUNE 2004). A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

ABSTRACT

This research project titled “Co-operative Thrift and Loan Society of Federal Ministry of Industry and Technology, Owerri, Imo state.  The study was motivated by the necessity of requirement for the award of Higher National Diploma in Co-operative Economics and Management of Institute of Management and Technology (IMT), Enugu.  It aimed at identifying the causes of the study of co-operative thrift and loan society in Owerri, Imo State.

To solve the research problems both primary and secondary data were collected.  The research instruments used in collecting the data were questionnaire and oral interview.  The respondents comprised of members of the society its employees and some members of staff of Federal Ministry of Commerce and Industry, Owerri, Imo State.

In organizing and presenting data collected frequency, distribute tables; charts percentage and degrees were used.  Data analysis and interpretation gave the following findings and among others.

 

A.        LOAN DISBURSEMENT

Some dishonesty leaders among the members, something fails to disburse the loan to the members, which leads to present and embezzlement of fund among co-operative practitioners.

 

B.        RECOVERY/REPAYMENT OF LOAN

Some of the members fails to pay back the loan, when its due for them to pay beck the loan to the society.

C.        LOAN DEFAULTERS

Some loan defaulters often fail to authorize the deduction of their money when indebted to the society.

  1. There is no external co-operative audit in the co-operative thrift and loan society.  The conclusion of the study is that there is a problem in co-operative thrift and loan society, which is the fail, that it does fairly satisfy its member’s financial need.  This is as a result of a number of factors such as poor management, lack of co-operation in the society and many other.  The said society will satisfy its members if the above listed recommendations are implemented in the society.

 

CHAPTER   ONE

1.0                                                INTRODUCTION

This chapter deals with background of the Study, statement of the problems, objectives of the study, significance of the study, research questions, scope and definitions of the study.

1.1                               BACKGROUND OF THE STUDY

The essence of a credit society is to create a pull of fund.  It has from it’s beginning, been charged with designing and building members owned and controlled co-operative Finance System.  The greatest handicap to goal attainment is fund.  This society encourages the extension of micro and other credit facilities to rural and urban to galvanize their economic activities, which will create employment and raise the statement of human existence.

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A STUDY ON COOPERATIVE THRIFT AND LOAN SOCIETY (A CASE STUDY OF FEDERAL MINISTRY OF INDUSTRY AND TECHNOLOGY, OWERRI, IMO STATE  – 1998 – JUNE 2004). A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

CO-OPERATIVE EDUCATION AND TRAINING IN TERTIARY INSTITUTIONS IN NIGERIA (A CASE STUDY OF THE  DEPARTMENT OF CO-OPERATIVE ECONOMICS AND MANAGEMENT (CEM), INSTITUTE OF MANAGEMENT AND TECHNOLOGY (IMT) ENUGU. A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

CO-OPERATIVE EDUCATION AND TRAINING IN TERTIARY INSTITUTIONS IN NIGERIA (A CASE STUDY OF THE  DEPARTMENT OF CO-OPERATIVE ECONOMICS AND MANAGEMENT (CEM), INSTITUTE OF MANAGEMENT AND TECHNOLOGY (IMT) ENUGU. A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

CHAPTER ONE

INTRODUCTION

The planning of  the establishment of Institute of Management and Technology Enugu, there not in progressive forms till 1967 to a college of technology up to the ordinary diploma level.

 

An institution of administration which provide short come in-service training courses for civil servants of various grades and a co-operative college offered a certificate course in co-operative studies to co-operative inspector from the ministry of industry, trade and co-operative.

 

These institutions were separated and separately located.  The college of technology was part of the ministry of Education and was controlled  and directed by that ministry, similarly, the institute of administration was controlled by the ministry of establishment, while the co-operative college was directly under the ministry of rural development.

 

All the staff of these institutions were civil servants, they were posted and re-posted from one department to another according to their needs or civil services.

 

However, after 1970, they arose the need for higher institution  of learning to up grade the training in the technological and managerial fields which there were severe need for manpower development.  The future graduates in the technology and management and allied field would be more effective by functional training than the institute of administrations.

 

To the founding father, the main purpose became the maximization of the management efficiency, professional and technical expertise and also the acquisition of the additional tools for these.

 

The close coupling of the management and technology in the new objectives was the needless to say and not the fruitful.  The management and technology of then needs training for the satisfaction and fulfillment of itself, and in the world it applied science entails more problems of both moral and ecological  significance.  Later, they can no longer afford to  be the narrow minded professional concerned with only machine and structure.  He must understand the relationship and social setting of his position with his industrial environment.  He  must work with other people, be acquainted with the basic personnel and labour matters.  This was as a result of these idea of an autonomous, IMT was conceived.

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CO-OPERATIVE EDUCATION AND TRAINING IN TERTIARY INSTITUTIONS IN NIGERIA (A CASE STUDY OF THE  DEPARTMENT OF CO-OPERATIVE ECONOMICS AND MANAGEMENT (CEM), INSTITUTE OF MANAGEMENT AND TECHNOLOGY (IMT) ENUGU. A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

SOLVING THE PROBLEM OF PERENNIAL CASH SCARCITY (AMONG WORKERS) THROUGH THE MEMBERSHIP OF CTLS (A CASE STUDY OF IMT MPCS LTD). A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

SOLVING THE PROBLEM OF PERENNIAL CASH SCARCITY (AMONG WORKERS) THROUGH THE MEMBERSHIP OF CTLS (A CASE STUDY OF IMT MPCS LTD). A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

ABSTRACT

This research is aimed at solving the problem of perennial cash scarcity among workers through the membership of CTLS in IMT, Enugu.

In order to achieve the stated objectives, three hypothesis were formulated administrated to different persons, structure and unstructured questionnaire were distributed to collect data.

Statistical formula was used to determine the sample size of the population studied.  Simple percentages and chi-square techniques were employed in analyzing the data and testing of hypothesis formulated.

 

CHAPTER ONE

INTRODUCTION:

Co-operation is as old as human society.  From time immemorial, man had relied on the existence of his fellows for existence and examples of working together.  Modern co-operative is however associated with the successful experiment of 28 weavers from Rochdale, England who in 1844 established the first successful co-operative consumers society.  Their success became widely acclaimed and their working principles were accepted as the basic principles of co-operative organization.

Earlier attempts to form co-operative failed because members were illiterate, dishonest and accounts were not kept.  Following the Rochdale principles, enabled the co-operative movement to avoid most of the evils of the era of industrial expansion.

Again, because the majority of the composition of membership had been people of low income, their contributions in the form of shares and thrift savings, special saving and other sources of income had been very low.  The view of this coupled with the de-emphasis of capital in the society i.e. the instituted low return on capital, the wealthy men with capital have technically been scared away.

Lastly, the system of accounting usually adopted by these bodies gives no room for proper management.  This is because information is hardly extracted from such records kept by them for planning and controlling of their operation.  I therefore wish to derive into the functions and functioning of the co-operative movement with particular emphasis on the accounting aspects of its management and then recommend on the practical and attainable application of its principles to ensure the achievements of the goal of the movement.

 

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SOLVING THE PROBLEM OF PERENNIAL CASH SCARCITY (AMONG WORKERS) THROUGH THE MEMBERSHIP OF CTLS (A CASE STUDY OF IMT MPCS LTD). A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

THE IMPACT OF SOCIO- ECONOMIC CHARACTERISTICS ON LOAN REPAYMENT, AMONG COOPERATIVE ENTERPRISES IN OSHIMILI SOUTH LOCAL GOVERNMENT AREA OF DELTA STATE. A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS

THE IMPACT OF SOCIO- ECONOMIC CHARACTERISTICS ON LOAN REPAYMENT, AMONG COOPERATIVE ENTERPRISES IN OSHIMILI SOUTH LOCAL GOVERNMENT AREA OF DELTA STATE. A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS

ABSTRACT

This research study adopted an econometric analysis on The Impact of Socio-Economic Characteristics On Loan Repayment Among Cooperative Enterprises In Oshimili South Local Government Area of Delta State. Chapter one of this research work deals with the introduction and background study of the said topic, which also include the specific objectives of the study; and the hypotheses to be analyzed. Chapter two talks on the different sources of the financial structure of cooperatives societies. The review of problems facing cooperative enterprises in raising funds. The research methodology and design used in analyzing the data is discussed in chapter three. Besides, chapter four deals with data presentation and analysis using frequency tables, showing the percentage of responses and the ordinary least square (OLS) method of empirical analysis was used for the determinants of socio – economic variables on loan repayment. Chapter five of this work deals with the summary of findings, recommendation and conclusion. Consequently,recommendations, which will assist policy makers in Nigeria to make policies that will enhance the financing of cooperative enterprises in Nigeria, were made.

 

CHAPTER ONE

1.0      INTRODUCTION

 The importance of funds to any business enterprise, be it private or public, cannot be over-emphasized. Co-operative societies need funds to finance their fixed and working capital, to pay for services and for making interest-yielding investments. Lack of funds had featured prominently among the key constraints to co-operative business enterprise in Nigeria even at normal times. We can then imagine, or rather, we are all aware of the situation under the prevailing excruciating business climate in Nigeria. (Chukwuemeka, 2001).

The issue of funds has become critical, as expectations, opportunities for small-scale enterprise cannot be seized due to a general lack of investible funds. Added to the abolition of subsidies, the results is fewer resources, tougher competition, higher capital cost and reduced access to credit. This is more so because cheap government credit on which co-operatives relied heavily in the 1980s has since dried up, many banks have gone  from distress to bankruptcy, and the surviving ones have constricted their lending.

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THE IMPACT OF SOCIO- ECONOMIC CHARACTERISTICS ON LOAN REPAYMENT, AMONG COOPERATIVE ENTERPRISES IN OSHIMILI SOUTH LOCAL GOVERNMENT AREA OF DELTA STATE. A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS

THE ACTIVITIES OF I.M.T MULITI-PURPOSE CO-OPERATIVE SOCIETY LTD ENUGU (FROM 1995 – 2004) A CASE STUDY OF I.M.T ENUGU MULTI- PURPOSE CO—OPERATIVE  SOCIETY LIMITED I.M.T ENUGU. A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

THE ACTIVITIES OF I.M.T MULITI-PURPOSE CO-OPERATIVE SOCIETY LTD ENUGU (FROM 1995 – 2004) A CASE STUDY OF I.M.T ENUGU MULTI- PURPOSE CO—OPERATIVE  SOCIETY LIMITED I.M.T ENUGU. A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS 

ABSTRACT

To achieve this the researcher under took the project work by making  a case study of IMT multi-purpose co-operative society and individuals with sound knowledge of co-operative for the purpose of getting relevant primary and secondary data tat will be helpful in the research analysis.

The  primary data are in the from of face to face interview with some students of IMT Enugu especially students of co-operative Economics and management and  individual making up the suppressed of  the study.

Review of conceptual and actual research was done on past works of many author published reports, news papers and Journals. The data collected were analyses by writing a general background of multi-purpose co-operative society and their  performance.

In view of the finding it was recommended amo0ng other thing that the achievements could be divided into past and present which include  achievements created  by the head of  department co-operative , Economics and  management department in general.

Co-operation is an interesting area of study . it teaches how the  common people  (consumers Employers, farmers, tenants, students  and Artisans) can go into business successfully not for profit, but for service to themselves and by so doing  eliminate for their live the daily exploitation which they suffer at the hands of profiteering middle men.

Anything  done outside without co-operation breeds corruption exploitation of man by man bad business practice using stiff  completion and ruthless pursuit for the markets and the likes.

 

CHAPTER ONE

1.0              INTRODUCTION

A co-operative society is a voluntary association of people formed to improve their  economic status. In a co-operative society membership is not obligatory people join at their own will they are free and  independent.  A co-operative society can them be defined as  an association of persons who off their own free will join together to  solve their common and collective economic  needs through mutual help enterprise.

 

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THE ACTIVITIES OF I.M.T MULITI-PURPOSE CO-OPERATIVE SOCIETY LTD ENUGU (FROM 1995 – 2004) A CASE STUDY OF I.M.T ENUGU MULTI- PURPOSE CO—OPERATIVE  SOCIETY LIMITED I.M.T ENUGU. A RESEARCH PROJECT MATERIAL ON CO-OPERATIVE ECONOMICS