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Cooperative Thrift and Credit Society

Co-operative Thrift and Credit Society

Project / Seminar Material
Reference ID: PS-329-TM


This research work titled "Co-operative Thrift and Credit Society" is dedicated to God for his enabling grace and to all computer enthusiasts who help to make life a pleasant experience.



I owe my indebtedness to my Supervisor (Name of your Supervisor), the Head of Department (Name of your HOD), the Lecturers in the department of Commerce, Book Authors and Profound Scholars of existing/related research work for your moral support that facilitated the successful completion of my (Tertiary Institution level). I am grateful to God Almighty and my parent for their financial support in my career. I really appreciate you all for everything, Thank you very much.


Co-operative Thrift and Credit Society


Preliminary Pages

Chapter One


  • 1.1 Background …

Chapter Two

Literature Review

  • 2.1 Introduction

Chapter Three

Research Methodology

  • 3.1 Introduction

Chapter Four

Results and Discussion

  • 4.1 Introduction

Chapter Five

Summary, Conclusion, and Recommendation

  • 5.1 Introduction
  • 5.2 Summary
  • 5.3 Conclusion
  • 5.4 Recommendation




This research project titled co-operative thrift and loan society (A case study of African thinkers and credit societies). This study consist of five chapters and the study aimed at indentifying the causes of establishing co-operate we thrift and loan societies in African thinkers C of Bod Enugu 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 respondent comprised of members of co-operative society especially in African thinkers in Enugu, Enugu State. In organizing and presenting data collected, frequency, distribution tables, charts percentages and degrees were used, data analysis and interpretation of data assisted to taking decisions on the findings/recommendation.


Co-operative Thrift and Credit Society


1.0 Introduction
This chapter deals with the background of the study, Statement of the problems, purpose of the study, Significance of the study, research questions, scope and definition 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 charge with designing and building members owned and controlled cooperative finance system the greatest gandicap 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.
Consequently, co-operators have given much thought and effort to set up their own financial institutions so as to marshal the financial resources necessary to provide many services that credit problems of farmers cooperative that arose major public concern and caused the first bides pread cooperative finance association to be formed in the farming sector, although consumers co-operative has also encountered the need for more credits.
Those days, the citizens helped themselves by communal efforts as well as embarking on personal or collective savings, for example in Igbo Land for instance “Isusu” clubs provided a forum for collection of saving from their members, the members agreed on how the money will be given out as loans to their members, though the weakness of “Isusu” was that members would always get the money as at when needed therefore as a result of the problems of lack of credit they arose the need for cooperative thrift and loan society to reduce the problems and short comings of the “Isusu” clubs.
Co-operative thrift and loan society is a cooperative society that provides it's members with convenient and secured means of interest. This is most suitable for workers in one organization. These workers pay for their savings and loans from the source of their income. They do not as a rule, have a regular weekly or daily income, but receive a comparatively large sum of money at the end of the month which enable the deduction of their payment from the extravagant spending which so often occurs when there is money in the packet.

1.2 Statement Of The Problem
Workers are always I need of money to meet up with emergency investment or provision for their retirement, what they need is loan that will be granted to them for production or emergency purpose. But in spite of all the effort of credit co-operative, the is still experiencing low or decreasing productivity as it relates to the satisfaction of the members need especially in the rural and sub-urban areas these are relatively low level of productivity as some of the members are no more interested I their society. What are the causes of this low productivity in their services is it as a result of poor co-operation among the co-operative?

1.3 Purpose Of The Study
The general objective of the study is to determine the problem of the co-operative thrift and loan society in African tinkers, Enugu State and always to access the operation of cooperative thrift and loan society and in relation to the members, to determine the sources of capital and how members obtain loan and their pay-back system.
To access how often the director of co-operative inspects co-operative societies in African thinkers. Enugu state and its impact on the effective management of the co-operative thrift and loan societies.

1.4 Significance Of The Study
If the purpose of this study are achieved, it is point to be of a great importance to the management of the co-operative societies, the economy of our society to the institution of the researcher in the following ways.
To the management of the co-operative thrift and loan society. It is necessary to investigate their budget planning and execution and evaluate their effectiveness especially today that camping is going on for everybody to become a member of co-operative society. This study will determine why co-operative thrift and loan societies do not thrive as other co-operative societies.
Moreover, the committee members will know that co-operative thrift and loan society must achieve their objective in order to justify the existence.
To the members of co-operative thrift and loan society through this study they will know that they have an important role to play in order to insure the viability of the co-operative thrift and loan society. According to self-help value of co-operative there must be co-operation between them and the management.
Therefore, everybody should put in his or her best to achieve the goal of the society more so every member has the right to vote and be voted for.
The solution to the problem of co-operative thrift and loan their issues. Also, they can loan a lesion from the efficient management of their co-operative thrift and loan society if enhanced.
The society as a whole will benift a lot from the viability of a co-operative thrift and loan societies as the will go a long way in reducing unemployment problems in the country.
Moreover, the production of co-operative thrift and loan society if enhanced, will increase the national income of our economy.
To the researcher, this has exposed her to various publications in her field of study as well as knowing in details in practice of cooperative.

1.5 Scope Of The Study
The researcher of this study intended to study the problems of co-operative thrift and loan societies in African thinker Enugu but will limit the study to co-operative thrift and loan society of the African thinkers thrift and credit Association Enugu State.
1.6 Researcher Questions
Does co-operative thrift and loan society satisfy its members need?Is there poor inspection in co-operative?
Does co-operation exist within co-operative thrift and loan societies?
Does the management committee of co-operatives thrift and loan societies apply the principles and law of co-operative in their management?
Is constant withdrawal of members a problem to co-operative thrift and loan societies?
Do debtor-members of co-operative thrift and loan society pay their debts as at when due?

1.7 Definition Of Terms
A co-operative society is an association of person who voluntarily joried to achieve a common goal through the formation of a democratically controlled organization making equitable contribution of the capital required and accepting a fair share of the risk and benefit of the undertaking in which the members actively participate.
While co-operative thrift and loan society is an organization that is established in a workplace for the employees with the main aim of enabling the employees to save percentage of their salaries.


2.0 Literature Review

2.1 Introduction

This chapter focuses on the review of related literature. A literature review includes the current knowledge as well as theoretical and methodological contributions to a particular topic. It documents the state of the art with respect to the topic you are writing. It surveys the literature in the topic selected. In this research work the literature review includes the …

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Proposal Writing Format under Commerce

Co-operative Thrift and Credit Society is a proposal topic for final year research work, which comprises the major and elective project proposal writing sections for Co-operative Thrift and Credit Society research work.

Major Sections
  • Motivation for Embarking on the Project

  • Brief Background of Study

  • Statement of Problems

  • Aim of the Study

  • Specific Objectives of the Study

  • Significance of the Study (Who benefits from the project and how?)

Elective Sections
  • Relevant Research Questions

  • Relevant Research Hypotheses

Defense Procedure for Commerce Researchers

Know your Project / Seminar Work (Co-operative Thrift and Credit Society): Here are the key point to study if your work is cumbersome or not.

  • Abstract


  • Motivation / Statement of Problems
  • Aims & Objective of Study
  • Scope of Study
  • Significance of Study


  • State two or more citation from your review of related literature.


  • Know the methodologies, tools and techniques used.


  • Justification of your work and things to adhered to before using the system or research work.


  • Conclusion and Recommendation

Dress Code: Your dress code should be cooperate wear for example; putting on suit and tie during project defense gives you an automatic mark without a word.

External Examiner / Supervisor Questioning & Student Answering: Questions will come from the research work, any difficult or unknown question, kindly say "Sorry Sir/Madam, the question is not within my scope of study".

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