Effects of the Use of Local Sanction by Smallholder Farmers in Agriculture Loan Recvery Under the Community Banking System

Effects of the Use of Local Sanction by Smallholder Farmers in Agriculture Loan Recvery Under the Community Banking System

Project / Seminar Material
Reference ID: PS-6102-TM

DEDICATION

This research material titled “Effects of the Use of Local Sanction by Smallholder Farmers in Agriculture Loan Recvery Under the Community Banking System” is dedicated to God for his enabling grace, and to all computer enthusiasts who contributed to make life a pleasant experience during my research documentation.

ACKNOWLEDGEMENT

I extend my sincere gratitude to all those who contributed to the completion of this project. Special thanks to my Supervisor (Name of your Supervisor), the Head of Department (Name of your HOD), the Lecturers in the department of Agricultural Engineering (AE), Book Authors and Profound Scholars of existing or related project material on “Effects of the Use of Local Sanction by Smallholder Farmers in Agriculture Loan Recvery Under the Community Banking System” for their invaluable guidance, support, and expertise throughout the journey.

I am also grateful to your study area (mention any funding organizations, if applicable) for their financial assistance. This research would not have been possible without the encouragement and assistance of some stakeholders (mention any mentors, teachers, or colleagues). Additionally, I would like to acknowledge the understanding and patience of my family and friends during this endeavor. Your unwavering support has been a constant source of motivation. Thank you all for being part of this meaningful endeavor.

ABSTRACT

Distress problems in .Nigerian financial institutions resulted into their liquidation. I Prior to the distress syndrome, many financial institutions could not respond very effectively to the needs of small-holder farmers in Nigeria.

However, empirical evidence shows that debt recovery is one major constraint of most financial institutions. It was in view of the identified problem that a research was carried out in Enugu State of Nigeria to investigate how effective is the use)of local sanction I ‘ strategies for agricultural loans by farmers under the community banking system.

The result of final statistics of factor analysis showed that three factors accounted for 72.3 percent of the total variance observed in farmer’ loan recovery ‘rankings of nine I attributes. Factor one alone accounted for 35.4% of the observed variance compared to I 23.3 % accounted for by factor two, and 13.6% by factor three., Thus, factor one may therefore, be regarded as “the group’s refusal of loan-debtors having share in annual feasts amongst others or stoppage of social benefit”, factor two as “non participation in elective

Effects of the Use of Local Sanction by Smallholder Farmers in Agriculture Loan Recvery Under the Community Banking System

CHAPTER ONE

1.1 Introduction

… As a prelude to other parts of this study, this chapter will discuss the background upon which this study was initiated, the statement of problems that led to this study, the Aim and Objectives of the study. Others are Significance of the study, Scope of work, Research hypothesis and questions, Limitation of the study and Definition of technical terms.

…

CHAPTER TWO

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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