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The Loan Policy and Its Effective Management in CoOperative Credit Society

The Loan Policy and Its Effective Management in Co-Operative Credit Society

Project / Seminar Material
Reference ID: PS-14144-TM

DEDICATION

This research material titled “The Loan Policy and Its Effective Management in Co-Operative Credit Society” 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 Loan Policy and Its Effective Management in Co-Operative Credit Society” 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 Loan Policy and Its Effective Management in Co-Operative Credit Society

    CHAPTER ONE

    1.0 Introduction

    The co-operative society is a potent wheel for the transformation of the social and economic life of human being is no longer a contestable fact.

    Since the experiment of the Rockdale equitable pioneers society in 1844 has proved successful, the co-operative movement has became a sector to be reckoned with all over the world continues, particularly less developed countries (LDC) that fail to recognize and appreciate its efficacy and potency in effecting positive social and potency in effecting positive social and economic development are doing so at their own peril. The reason for the assertion is that in such countries there is a preponderance of the poor and economically disadvantages among the populace coupled with noticeable defeats in the various markets.

    The monopolistic elements in these marketswith work to the disadvantages of the small producers and consumer and the price correcting influence. The effect of enlarging competition which co-operatives can bring to bear on this situation has made its imperatives for the establishment of an effective machinery like the co-operative societies for sustainable development.

    However , the word “co-operative” come from the word “co-operative” The oxford Advanced learner dictionary defines co-operation as “The spirit of working together or acting together for a common purpose”. The evolution of co-operation and of co-operative society is an area of interest to a related body of knowledge: the definition given above flows a logical dedication element must be present before co-operation is said to exist.

    • It is an association lf more than one person
    • There is willingness or voluntaries of memberships.
    • Interaction towards a common cause. From these three , we may define co-operative societies as an association of people has as its object the promotion of the economic interest of member and in accordance with co-operative principles.

    There goal must not be for profit making.

    The features of co-operative society are following listed bellow:

    1. Objective is not for-profit making: Infects, the Rockdale principle upon which co-operate is predicated forbids profits as motive . At best, co-operative society makes surplus, which is apportioned in line with its enabling lanes.
    2. Membership is voluntary and opened to individuals with common interest. Minimum is two, maximum is at societies discretion.
    3. Equal opportunity to participate in management through democratic process.
    4. Co-operative capital is raised by members. Her qualify for one vote in the decision making process.

    1.1 The Principles Of Co-Operation Among Co-Operatives

    The principles that is of significant relevance to this paper is co-operation among co-operative. This principles is emphasizing interaction among various co-operative societies if co-operative organization would have to co-operate to render optimum services to their members and immediate communities they operate actively practical way with other co-operative local , national and international levels. The international co-operative alliance (ICA), which is the apex body that represents all forms of co-operatives at international for is therefore an embodiment of this principles.

    The human urge for social acceptance is in mate and intrinsic there something in human natural that is natural which propels the human mind to desire social acceptance and recognitions. The desire for social international and there fore is part and parcel of naturalness both in human psychology and physical nature. A human mind with social vacuum is said to be desolate.

    …

    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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