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The Effect of Zero Interest Rate Policy on CoOperative Society to the Development of Nigeria

The Effect of Zero Interest Rate Policy on Co-Operative Society to the Development of Nigeria

Project / Seminar Material
Reference ID: PS-13554-TM

DEDICATION

This research material titled “The Effect of Zero Interest Rate Policy on Co-Operative Society to the Development of Nigeria” 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 Business Administration and Management (BAM), Book Authors and Profound Scholars of existing or related project material on “The Effect of Zero Interest Rate Policy on Co-Operative Society to the Development of Nigeria” 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.

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

    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”

    The Effect of Zero Interest Rate Policy on Co-Operative Society to the Development of Nigeria

    CHAPTER ONE

    Introduction

    1.1 Background Of The Study

    The significant role played by the financial institution cannot be over emphasized. Their primary functions includes creation of funds for production purposes, generation of employment opportunities leading to improvements of the standard of living.

    Financial institution which is broadly divided into Banking institutions and Non-bank financial institution as financial intermediaries must make sure that deposits savings held with them are paid as at when due or whenever required by the depositor. They safety that part of the deposits that are not immediately required by the owners.
    This financial institution is a very important sector of the economy and it can be described as “Power house” or “engine-room of the economy” and a pivot upon vital role (financial intermediation), which involves resources allocation, there must be some regulations to guide their mode of operations because of their sensitivity in the economy.

    Cooperative societies need a lot of controls and regulations both from within and outside, to manage the members funds and make adequate returns to them, the more reason why government cannot but intervene or play a significant role in ensuring the achievement of this diverse focus/objectives. Interest rates play a crucial role in the role allocation of resources and its primary role is to help in the mobilization of financial resources and to ensure the efficient utilization of such resources in the promotion of economic growth and development.

    The historical path of the various interest rate policy adopted show that deregulation of interest rated was as a way of achieving positive real rate of interest and as a means of encouraging depositors to make more deposits which will be used in generating investments as an antidote to the anomalies created during the period of fixing interest rates, which discourage depositors to deposits funds, therefore bringing instability in the cost of borrowing.

    A number of studies have been carried out on the role and contribution of cooperative societies, which have significantly the importance of cooperative societies in our economy.

    This research work hitherto attempts to give an overview of the effect of zero interest rate principle on cooperative societies, activities, as a newly emerging dimension in the interest-based economy contrary to the core practice of co-operative societies which has its main sources of surplus from the interest charge on loan/credit granted to their members.

    1.1 Statement of Research Problem

    A number of interest based cooperative societies that were established in the early 70’s were crumbling or are rather adjudged sick and crippled. An average income earner, requires a viable and stable co-operative societies to provide a pole to learn on for their economic survival.

    Apart from being social unjust, these inequalities have distorted the allocation of resources through the provision of business capital to artisans, at a very exorbitant interest rate, not minding what becomes the outcome of such capital making the rich to get richer and, the poor to become more poorer. Zero-interest rate financial principles and institution is now spreading across several Muslim and non-Muslim countries of the world, Nigeria not being left out. Many studies testify to the great success of zero-interest rate financial principle.

    People have recently taken the bull by the horn to establish zero-interest rate co-operative societies which is perceived impracticable or impossible in many quarters to be operated and run without charging interest. We now have several of such zero-interest rate cooperative societies in our community coupled with the inherent potentials up zero-interest rate principles, it is necessary to investigate and find out the effect of this non-interest rate policy on cooperative societies performance measured by the volume of saving, shares and investments generated vis-à-vis loan granted or generated by these societies.

    …

    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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