ASSESSMENT OF THE IMPACT OF BANK CREDIT ON AGRICULTURAL DEVELOPMENT (A CASE STUDY OF FIRST BANK OF NIGERIA PLC)


ASSESSMENT OF THE IMPACT OF BANK CREDIT ON AGRICULTURAL DEVELOPMENT (A CASE STUDY OF FIRST BANK OF NIGERIA PLC)

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ABSTRACT

The study is an investigation into the impact of Bank Credit on Agricultural Development with emphasis on First Bank of Nigeria Plc.

Specifically, I examined the effect of Central Bank of Nigeria credit guidelines and other financial bodies  on Agricultural Development, also examined the relationship of bank lending policies in Nigeria, and to what extent there credit facilities are effectively been utilized by the farmers.

Two major statistical tools were adopted, while a time-series analysis was conducted to observe the movement of the loans and advances against the years loans were utilized by small and large scale farmers.

Some of the major findings of these tests confirm that bank credit has a significant impact in Agricultural Development for the small and large scale farmers.

Further investigation shows that the highest agricultural loan was granted in 2009 with over One Hundred and Seventy Five Million Naira the loan granted in 2010 and 2011 decreased drastically by 20 percent which was basically due to the global financial meltdown.

Based on these results, some of the major recommendations are that Federal Government should increase the banks share and credit base in order for the bank to cope with increasing loans demand.

Finally, for credit to be more effective, other sector of the economy should asked to corporate with the bank in providing the relevant service to support the scheme the bank in its bid to relive farmers other predicaments.

 

TABLE OF CONTENTS

 

 

CHAPTER ONE: INTRODUCTION

1.1     Background of the Study                             

1.2     Statement of the Problems       

1.3         Objectives of the Study            

1.4         Research Questions                          

1.5         Research Hypotheses              

1.6         Significance of the Study                                      

1.7         Scope of the Study                                               

1.8         Limitation of the Study                      

1.9     Definition of Terms                            

 

CHAPTER TWO: LITERATURE REVIEW

2.0     Introduction                                      

2.1     Conceptual Framework

2.2     The Nigeria Agricultural History                                      

2.2.1  Agricultural Sector in the Pre Independent Era      

2.2.2  Agricultural Sector in the Post Independent Era              

2.3         Credit And Its Role Agriculture                              

2.4         Sources of Agricultural Credit             

2.5         Agricultural Finance                                              

2.6     The Role of Financial Institution in Agricultural Financing

2.6.1 Central Bank of Nigeria Role              

2.6.2 Commercial Bank’s Role                     

2.6.3 Development Bank’s Role                                     

2.6.4                 Merchant Bank’s Role              

2.7     Terms of Agricultural Credit Repayment

2.8     Rural Banking and Agricultural Extension    

2.8.1  Problems of Rural Banking                 

2.9     First Bank Agricultural Scheme         

2.9.1 The First bank Farm Settlement Scheme                

2.9.2 Guaranteed Fund Credit (GFC)                      

2.9.3 Multi-Channels Agricultural Finance Scheme (Multi-Cafs) 

2.9.4 First bank Agricultural Credit To Schools (Facts)     

2.9.5 National Agro Dealer Scheme (NADS)

2.9.6 GSM 102                         

2.9.7 Commercial Agriculture Credit Scheme

2.10    First Bank Nigeria Plc Finance Operation and Evaluation 

2.11     Problems of Agricultural Credit Repayment in Nigeria     

2.11.1  Farmer Related Problem                                      

2.11.2  Bank Related Problems                                        

2.11.3  Government Related Problems                   

2.12      Problems of Agriculture         

 

CHAPTER THREE: RESEARCH METHODOLOGY

3.0     Introduction                                      

3.1     Sources of Data             

3.2     Population of the Study                                        

3.3     Sample Size and Sampling Techniques                           

3.4     Restatement of Research Hypotheses

3.5     Method of Analysis                                      

3.6     Assumption to Questionnaire             

3.7     Validity of the Research Instrument

3.8     Reliability of the Research Instrument

 

CHAPTER FOUR: DATA PRESENTATION AND ANALYSIS

4.1 Introduction                                 

4.2 Personal Characteristics of the Respondent      

4.3 Response of Respondents to the Problem Areas.        

4.4     Testing and Interpretation of the Hypotheses       

4.4.1 Analysis of Hypothesis One               

4.4.2    Analysis of Hypothesis Two               

4.5     Presentation of Secondary Data         

4.6     Discussion of Result                

 

CHAPTER FIVE: SUMMARY, CONCLUSION AND RECOMMENDATION

5.0     Introduction                                      

5.1     Summary of Findings               

5.2     Conclusion                     

5.3     Recommendations

5.3.1  Recommendation for the Government         

5.3.2  Policy Recommendation for the Bank                    

5.3.3  Policy Recommendation for Farmers

Bibliography                             

Appendix I                               

ASSESSMENT OF THE IMPACT OF BANK CREDIT ON AGRICULTURAL DEVELOPMENT (A CASE STUDY OF FIRST BANK OF NIGERIA PLC)

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Project Information

  • CATEGORY : BUSINESS ADMINISTRATION
  • TYPE : PROJECT MATERIAL
  • FORMAT : MICROSOFT WORD
  • ATTRIBUTE : Documentation Only
  • PAGES : 71 Pages
  • CHAPTERS : 1 - 5
  • PRICE : ₦ 3,000.00

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Like many other African countries, Nigeria is primarily agrarian with its abundant land and water resources. Despite the rapid growth of the oil industry over the years, agriculture still accounts for 40% of GDP and provides employment (both formal and informal) for about 60% of Nigerian’s 150 million people. Nigeria’s agriculture remains largely subsistence-based with about 80% of agricultural output coming from rural farmers living on less than a dollar per day, earned from farming less than one hectare (2.47 acres). Nigeria has diverse agro-ecological conditions that can support a variety of farming models to create its own green revolution. .. business administration project topics

ASSESSMENT OF THE IMPACT OF BANK CREDIT ON AGRICULTURAL DEVELOPMENT (A CASE STUDY OF FIRST BANK OF NIGERIA PLC)