IMPACT OF COMMERCIAL BANK CREDIT ON AGRICULTURAL DEVELOPMENT IN ANAMBRA
CHAPTER ONE
1.1. Introduction
According to akinsami o. (1993) page 2” agriculture can be defined as the cultivation of load for the purpose of producing food for main feed for animals and fiber or raw materials for industries; it is also preparation of plant and animals products for preservation and disposal by marketing.
Agriculture is the oldest occupation and the entire world depends mostly on it for good requirements. Food is the essential thing among the human needs. It is believed that without food nobody can exist. This is as a result of the benefit of agriculture. About 70% of the populations are farmers and agriculture contributed about 65% of the gross domestic product (GDP) in the 1960s proving the country with foreign exchange for the financing of capital projects.
Series of polices and financial institution have been set up by government in Nigeria to enhance the flow of finance to agriculture investment. The policies include concessionary interest rate on loans to agriculture and agricultural related investments. Tax holidays rural banking scheme and agricultural financial institutions include Nigeria bank for commerce and industries, Nigeria industrial development bank, directive of food and rural infrastructure among others.
In spite of these financing measures in Nigeria the contribution of agriculture to national development has not been encouraging because of the continuing apathy of financial institutions in giving loans to agricultural ventures. Agriculture which uses to dominate other sectors in terms of its contribution to gross domestic project (GDP) in the sixties is currently the least contributor to Nigeria economic development.
Nigeria economy is an agrarian economy and the nation is blessed in terms of natural resource for farming and other agricultural activities. Because of the nature or method of production, that is, the use of traditional method such as hoes and cutlasses, the productivity in this sector is very low.
Agriculture is said to be back bone of the economy, because it employed 30% of the production, it supply goods and export items for foreign exchange, but with the advent of the mineral particularly oil boom, agriculture lost its prime position in the economy.
In order to solve the problems of agriculture, the government decided to establish agricultural credit institutions like the Nigerian agricultural and co-operative bank limited, Anambra co-operative and financing Agency limited and supervised agricultural credit scheme to finance agriculture in the state.
The government in its committed effort to ensure that development in agricultural sector, require the bank to grant grace periods in these loans, according to central bank of Nigeria ( CBN) credit policy guidelines circular 24, 1990, the grace period on the bank loans to the under listed categories of agriculture are as follows:
- For small- scale peasant farmer growing stapler and seasonal cash crops such as gains, cotton and groundnut, the grace period shall be one year.
- For medium and large scale mechanized farming involving large outlay, the grace period is seven years.
- The loans to farmers investing in new plantation of cash crops with relatively long gestation period such as oil palm, rubber and cocoa plantation, the grace period shall be seven years.
These benefits are given to farmers to enable them improve on agricultural production and also to repay the loan on time.
Despite government policy guidelines which favors agricultures as “preferred sector” the bank have remained adamant in meeting up with the guidelines. So obtaining credit has been one of the most difficult things for farmers over the ears. This is as the result of the year banks have on farmers not being able to repay the loan. The problem facing the development o f local agriculture made farmer at times not able to repay the loan given to them. The problem farmers use to face include land tenure, that is, in − sufficient land for the holder of capital to invest in because land is acquired through inheritance other problems like poor tools, change in whether, draught, pest, flood, erosion are likely problem that makes banks reluctant to finance agriculture.
CHAPTER TWO
2.0 Literature Review
2.1 Introduction
The review of relevant literature is the main topic of this chapter. A literature review covers theoretical and methodological contributions to a certain issue in addition to the state of knowledge at the time of writing. It provides information about the state of the art in relation to the subject you are writing about. It examines the body of work on the chosen subject. The literature evaluation in this study comprises the …
Procedure for Downloading the PDF (Docx) Material
Impact of Commercial Bank Credit on Agricultural Development in Anambra can be downloaded by requesting the full set of materials at the project or seminar cost. The document will be sent via Microsoft Word (MS-Word) format via WhatsApp (e-mail) following payment confirmation.
| Seminar Material Cost ₦3,000 | Project Material Cost ₦5,000 |
Request Complete Material
 | Click here to request the Complete Material via WhatsApp including;
|
TABLE OF CONTENTSPRELIMINARY PAGES
- Title page
- Approval page
- Dedication
- Acknowledgement
- Table of Contents
- Abstract
INTRODUCTION
- ⋮
LITERATURE REVIEW
- 2.1 Introduction
- 2.2 Conceptual Review
- 2.3 Theoretical Framework
- ⋮
- 2.4 Empirical Studies
- 2.5 Research Gaps
- 2.6 Summary of Literature Review
CHAPTER THREE
RESEARCH METHODOLOGY
- 3.1 Introduction
- 3.2 Research Design
- 3.3 Population of Study
- 3.4 Sampling and Sampling Technique
- 3.5 Validation of Research Instrument
- 3.6 Method of Data Collection
- 3.7 Method of Data Analysis
- 3.8 Questionnaire Administration
- 3.9 Ethical Consideration
- 3.10 Statistical Analysis
CHAPTER FOUR
DATA ANALYSIS, RESULT AND DISCUSSION
- 4.1 Introduction
- 4.2 Presentation and Analysis of Data
- 4.3 Re-statement of Research Questions
- 4.4 Test of Hypotheses
- 4.5 Discussion of Findings
CHAPTER FIVE
SUMMARY, CONCLUSION AND RECOMMENDATION
- 5.1 Introduction
- 5.2 Summary of Findings
- 5.3 Conclusion
- 5.4 Recommendation
- 5.5 Suggestion for Further Study
REFERENCES
APPENDIX A - “QUESTIONNAIRE”
Disclaimer for Complete Material Utilization
The displayed research work titled "Impact of Commercial Bank Credit on Agricultural Development in Anambra" is stated as a research guideline towards accomplishing your assigned project / seminar research work. All the research materials on this website are ONLY for research purposes and should be used as a guideline in developing your research work. For no reason should you copy word for word as projectlist.com.ng will not be liable for any who copied the material. By ordering the complete research guideline, it signifies that you've accepted our terms of service.
PRELIMINARY PAGES
- Title page
- Approval page
- Dedication
- Acknowledgement
- Table of Contents
- Abstract
INTRODUCTION
- ⋮
LITERATURE REVIEW
- 2.1 Introduction
- 2.2 Conceptual Review
- 2.3 Theoretical Framework
- ⋮
- 2.4 Empirical Studies
- 2.5 Research Gaps
- 2.6 Summary of Literature Review
CHAPTER THREE
RESEARCH METHODOLOGY
- 3.1 Introduction
- 3.2 Research Design
- 3.3 Population of Study
- 3.4 Sampling and Sampling Technique
- 3.5 Validation of Research Instrument
- 3.6 Method of Data Collection
- 3.7 Method of Data Analysis
- 3.8 Questionnaire Administration
- 3.9 Ethical Consideration
- 3.10 Statistical Analysis
CHAPTER FOUR
DATA ANALYSIS, RESULT AND DISCUSSION
- 4.1 Introduction
- 4.2 Presentation and Analysis of Data
- 4.3 Re-statement of Research Questions
- 4.4 Test of Hypotheses
- 4.5 Discussion of Findings
CHAPTER FIVE
SUMMARY, CONCLUSION AND RECOMMENDATION
- 5.1 Introduction
- 5.2 Summary of Findings
- 5.3 Conclusion
- 5.4 Recommendation
- 5.5 Suggestion for Further Study
REFERENCES
APPENDIX A - “QUESTIONNAIRE”
Disclaimer for Complete Material Utilization
The displayed research work titled "Impact of Commercial Bank Credit on Agricultural Development in Anambra" is stated as a research guideline towards accomplishing your assigned project / seminar research work. All the research materials on this website are ONLY for research purposes and should be used as a guideline in developing your research work. For no reason should you copy word for word as projectlist.com.ng will not be liable for any who copied the material. By ordering the complete research guideline, it signifies that you've accepted our terms of service.
Frequently Asked Questions (FAQ)
Can the material for “Computerized Intelligent Traffic Control System” be used as a guide for Computer Science Education Project?
Yes it can be used — Intelligent Traffic Control System collect and analyze driving information of vehicles in the area, perform the optimal traffic signal control in accordance with the constantly changing road traffic situation, and provide useful traffic information to drivers based on the data collected. The aim of the study is to Design and Implement an Intelligent Traffic Control System. In achieving this aim, the following specific objectives were laid out to design and develop an application that will: identify, examine, daily signals, monitor problems associated with traffic control on the aforementioned junction, withstand high temperature, wind blow and rainfall, which affect the manual system that does the task, assume the computer screen as the point of traffic light installation where light will be …
Can the material for “Electoral Malpractices and Card Reader System in Nigeria” be used as a guide for Occupation Health and Safety Project?
Yes it can be used — Past elections in Nigeria had witnessed a lot of ugly developments in a bid to gain political power by some individuals with interests in the Nigerian electoral process. Some of these stakeholders engaged in all forms of electoral malpractices including multiple voting, impersonation, manipulation and falsification of results which had led to legal actions, electoral conflicts and violence. The study scrutinizes the Electoral Malpractices and Card Reader System in Nigeria using 2015 Presidential Election in Taraba State as a case study. In achieving this aim, the following specific objectives were laid out to identify the ways the use of smart card reader impacted on the 2016 gubernatorial election in Taraba State, examine the challenges and limitations of the use of …
Can the material for “Critical Analysis of Revenue and Expenditure of Local Government Administration in Nigeria” be used as a guide for Banking and Finance (BF) Project?
Yes it can be used — The basis objective underlying this study is to analyze critically how the expenditure and revenue pattern of local government administration in Nigeria is carried out. This research work has been structured into five chapters to make for easy comprehension. The author will find out why some various Local Government authorities have been under funded which makes them not to live up to their expectation in services. The author will present research design and methodology is study area, including sources of data e.g. Primary and Secondary sources. The author will show the research instrument used. The author will present and analyze data and show how questionnaire were distributed. From there the author will summarize what has been written and draw conclusion and recommendations. …
Can this topic “Fringe Benefits and Employees Job Satisfaction in Nigerian Port Authority” be used for Industrial Relations and Personnel Management (IRPM) Project?
Yes it can be utilized for research — This research project is on Fringe Benefits and Employees Job Satisfaction in Nigerian Port Authority. This research work is generally about the Benefits and Employees Job Satisfaction Public Sector. The project has undertook the general introduction into the research work led to the review of various literature that relates to the major variables involved in the research work especially employees Job Satisfaction. Structured questionnaire was used for the collection of data and other important information for this study. The questionnaire was structured into three (3) sections. Section A is meant to obtain information on the socio demographic profile of respondents. Section B is centered on obtaining data related to the subject of the study. The information gathered through the administration of …
Can the material for “Strategy for Improving Manpower Planning and Utilization” be used as a guide for Public Administration (PA) Project?
Yes it can be used — Manpower planning and utilization is very important for effectiveness of the civil service commission and economic growth of Anambra state in particular. Manpower planning and utilization was designed to restructure organizations with incapacitated staff, incompetent human resources and lack of executive capacity etc. The researcher also gave a conceptual framework and review of some related literature that is in line with manpower planning and utilization. Most importantly its objective to the governmental agencies and organizations. In pursuit of the above goals of this study. The researcher distributed and administered questionnaires to the employees of Anambra state civil service commission. The responses from the questionnaires were analyzed using simple percentage and tables for proper clarification. From the analysis and interpretation of …
Can this topic “Evaluation of Guidance and Counselling in Secondary Schools in Nigeria” be used for Guidance and Counselling Project?
Yes it can be utilized for research — This research assessed guidance and counseling service in Abubakar Gumi College, Sabo Kaduna. Efforts were made to assess the conditions the quality of the available counselors and awareness created in the students. The results showed that the Guidance Counselor, through qualified, is not efficient and adequate. The guidance programme is poor organized with no facilities such as guidance counseling offices, large enough for group counseling libraries, computers, and shelves etc. students also do not show any interest in the programme since their interests were not aroused. All of these shortcomings have contributed to student’s poor academic performance in both internal and external examination. …
Can the material for “Design and Implementation of an Enhanced Online Result Processing System” be used as a guide for Computer Science (CS) Project?
Yes it can be used — The end-of-course grades assigned by lecturers are intended to convey the level of achievement of each student in the class. These grades are used to make a multitude of decisions. Unless a sufficiently accurate and efficient method is used for the grading, the grades are apt to convey misinformation and lead the decision-maker astray. In itself, the processing of results is found to be rather tedious, especially when carried out manually, and when the number of students is large. It is time-consuming and error prone. The process, however, becomes a lot easier and much more accurate when carried out with a computer running a suitable software application. To find a sufficiently fast and accurate method of carrying out this processing …
Can the material for “The Impact of Instructional Media on Students’ Academic Performance in Senior Secondary Schools” be used as a guide for Education Project?
Yes it can be used — This research project tends to examine The Impact of Instructional Media on Students’ Academic Performance in Senior Secondary Schools with special reference to selected secondary schools in Ifako Ijaiye Local government Education District of Lagos State. The research adopts a survey and a descriptive research design with a well structured questionnaire. Data were basically sourced through primary means. Simple random sampling was adopted in the selection of respondents. Ten schools were selected and two hundred (200) students were chosen -both male and female. Four hypothesis were formulated and tested with the used of Chi-square analysis. The analysis resulted into rejecting the four null hypotheses and concluding that; the use of instructional media will aid the academic performance of students; there …
Can this topic “The Impact of the Government Policies in Regulating the Activities of Insurance Companies in Nigeria” be used for Insurance Project?
Yes it can be utilized for research — The purpose of this research is concerned on the impact of the government policies in regulating the activities of insurance companies operating in Nigeria. The government responsibility to supervise, regulate and control the activities of insurance companies and intermediaries is to protect the interest of the insuring public and to save them from exploitation by unreliable insurers. Because of the intangible nature of insurance product, the government wants to make sure that those engaged in it must be competent person who will fulfill their promise and pledges when the need arises. Also because of the complexity of insurance business, it is necessary that the government regulate it to protect the policy holders. Also because of violation of public trust that occurs …
Can this topic “Effect of the Application of Audio Visual Aid in Teaching and Learning of Chemistry” be used for Chemistry Education Project?
Yes it can be utilized for research — Chemistry is an exact and a core science subject in Nigerian secondary schools. Its teaching often requires creativity and improvisation. The study was carried out to investigate the Effect of the Application of Audio Visual Aid in Teaching and Learning of Chemistry in Senior Secondary Schools in Ekiti State. In achieving this aim, the following specific objectives were laid out to find out the influence of audio visual instructional resource on academic performance of senior secondary school students in chemistry and determine the relationship between audio visual instructional resource and student academic performance in chemistry. Investigation revealed that most teachers of Chemistry in the secondary school do not use audio/visual aid to promote learning of this crucial subject. The transmission …