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Problems and Prospects of Community Banks in the Rural Development of Nigeria

Problems and Prospects of Community Banks in the Rural Development of Nigeria

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DEDICATION

This research material, titled “Problems and Prospects of Community Banks in the Rural Development of Nigeria” is dedicated to God for His boundless grace and guidance. It is also a tribute to all computer enthusiasts whose contributions made my research journey smoother and enriched my documentation process, making the experience truly fulfilling.



ACKNOWLEDGEMENT

I am profoundly grateful to everyone who contributed to the successful completion of this project. I am especially grateful to my Supervisor (Name), the Head of Department (Name), and the Lecturers in the Department of Banking and Finance (BF) for their invaluable guidance and support. I also acknowledge the contributions of authors and scholars whose works on Problems and Prospects of Community Banks in the Rural Development of Nigeria provided essential insights. Special thanks go to my study area (and any funding organizations, if applicable) for their financial assistance. I am equally thankful to stakeholders, including mentors, teachers, and colleagues, for their encouragement and support. Finally, I deeply appreciate my family and friends for their patience and unwavering support throughout this journey. Your contributions have been instrumental in making this research a reality.



TABLE OF CONTENTS

PRELIMINARY PAGES

CHAPTER ONE

INTRODUCTION

    CHAPTER TWO

    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”


    ABSTRACT

    The community banking scheme has been in operation since December 1990, and has to a large extent achieved its objectives as a vehicle for poverty alleviation at the grassroots’ level. With about 1000 unit community banks and hundreds of thousands of customers, the banking habit has reasonably increased in the rural areas.

    The poor farmers, cattle rears, fisher men and artisans who might not have collateral but are hardworking could get loans from their community banks for productive activities thereby boasting the gross domestic products of the country. Since government encouraged the communities to invest in community banks, the scheme should be supported to succeed. It is cheaper way of sustainable development of the rural areas in the short, medium and long term.

    However, in examining the problems and prospects of the community bank in the rural development of Nigeria, some prepared Questionnaire were distributed to Ogui Urban Community Bank of Nigeria Ltd. staff in Enugu. Information received from the responses were supplemented with oral interview, personal observation and the review of some related books and journals.

    The responses from the returned questionnaire were analyzed and the result of the analysis were later converted into table percentages.

    Recommendation were made based on information obtained and some literature reviewed.

    Finally, conclusion was drawn on the topic studied.


    Problems and Prospects of Community Banks in the Rural Development of Nigeria (A Case Study of Ogui Community Bank, Enugu South L. G. A.)

    CHAPTER ONE

    Introduction

    1.1 Problem Identification And Purpose Of The Study

    The community bank is a financial institution established to carter to the savings and credit needs of small − scale producers throughout the country. Thus, the institution represents the coalescence and modernization of traditional institutions with which most Nigerians are very familiar with, the rotating savings and credit institutions known as “isusu” and the other town union or community development association.

    It was clear that inspite of government policy such as the agricultural credit quarantee scheme, conventional commercial banks and even development banking institutions face serious constraints in attending to the credit needs of millions of small producers in which most of whom have no collateral to put down on security.

    The purpose of the study in this research includes:

    1. To evaluate the role of Ogui Community Bank in rural development.
    2. To investigate the problems facing the community banking system with special emphasis on community bank.
    3. To make recommendations for the improvement of community banking system represented by Ogui Community Bank.

    1.2 Rationale Of The Study

    The rationale of the study is aimed at helping researchers to evaluate the role of Ogui Community Bank in rural development.

    Thus, they enlighten the community on the effective use of credit and other banking services so as to enhance individual, collective and community production and development. It will help them perform non − banking functions that promote grassroots development such as supporting individual, co-operatives and group formation activities, assisting clients in marketing of agricultural, rural, industrial and other products.

    Thus, they provide financial and other extension services to clients and other community members.

    1.3 Significance Of The Study

    When this project is completed, it will help researchers to work further on areas of development open to community banks.

    It will also assist customers of the bank to know the services provided by the bank. Ogui Community Bank Ltd. Could also use it to their own advantage especially with regard to areas where they are lacking.

    This study will also help the Community Bank explore other alternatives to improving their services. It will also remind the bank whether they have achieved their mandate.

    1.4 Background Of The Study

    The historical development of the banking industry in Nigeria shows the initial exclusion of the generality of rural community in the provision of banking services. Government has in those days made several but less successful efforts to encourage the spread of banking services to the rural areas.

    …

    CHAPTER TWO

    2.0 Literature Review

    2.1 Introduction

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