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The Impact of Community Banks in Economic Development of Nigeria

The Impact of Community Banks in Economic Development of Nigeria

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DEDICATION

This research material, titled “The Impact of Community Banks in Economic 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 The Impact of Community Banks in Economic 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”


    The Impact of Community Banks in Economic Development of Nigeria

    CHAPTER ONE

    Introduction

    1.1 Background Of The Study

    In Nigeria and in other developing countries like the problem of credit extension to the rural dwellers who cannot afford the much needed collateral being demanded by most financial institution has been such a persistent migraine case, that government after government have been making persistent efforts to remedy this situation. The financial needs of these rural dweller pose a double problem in that part from the risk inherent in such credit in extension, it is not cost effective because of the large number of accounts involved with little amounts. Also the inability of those group to have access to credits compounds the vicious circle of poverty in the economic system (Ugwuenyi .W. 1997 P.235).

    The fundamental concept in the establishment and operation of communities for the purpose of providing credit, deposit, banking and other financial services within the area to its members largely on the basis of their self recognition and credit worthiness. It is in contradiction to the near total reliance as the basis for giving credit. It was designed to ensure that bank community or group of communities may establish community banks for the purpose of promoting rural development improving the economic status of small-scale producers both in the rural and urban area enhancing the rapid development of production activities especially in the rural areas to support desirable and sustainable economic growth in the Nigerian Banks.

    The community-banking program took off in 1990 when president on power (Line General Ibrahim Babangida) in his annual budget speech announced the community banking system would be introduced into the Nigeria financial system. The Community Bank Implementation Committee (CBIC), which established for general supervision promotion, monitoring and development of the community banks. The bank act under the control of National Board for Community Banks. The banks and the Central Bank of Nigeria.

    1.2 Statement Of Problem

    1. How to harness those abundant resources for the development of the rural areas, bearing in mind that those resources are minutely held by the vast population of the rural dwellers.
    2. The banking sector as the prime maur of the nation economic life is seen as the most viable sector to make this dream a reality.
    3. The depositors in community banks do not have their deposit as is obtainable in commercial and merchant banks.
    4. Lack of banking habit among the rural dwellers who still use old tradition ways of saving mobilization like the daily saving method.

    1.3 Objective Of The Study

    1. The objectives of this study is to determine and analyse the promotion of rural development by providing financial banking services.
    2. The inculcation of disciplined banking habits in the masses of low workers in Nigeria especially those in the rural areas.
    3. Determine and analyse its effects in the national economic development and asses how these development created by the community banks have gone in alleviating the rural economic development.
    …

    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 conceputal review, theoretical framework, the review of related literature …

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