THE EFFECT OF COMMUNITY BANKS IN RURAL DEVELOPMENT (A CASE STUDY OF ULI COMMUNITY BANK ULI)
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THE EFFECT OF COMMUNITY BANKS IN RURAL DEVELOPMENT (A CASE STUDY OF ULI COMMUNITY BANK ULI)
THE EFFECT OF COMMUNITY BANKS IN RURAL DEVELOPMENT (A CASE STUDY OF ULI COMMUNITY BANK ULI)ABSTRACT: This project work is a study of the impart of
Community Banks in Rural Development: case study Uli Community Bank Ltd, Uli.
In carrying out the research, questionnaires were used, which the researcher made available to the
manager, staff and customers of Uli Community Bank. Information for this
research was collected from primary, secondary and oral interviews. The data
were analyzed using tables and evaluation of data using percentages. The study
reveals Uli Community Bank has a lot of impact in the development of its local
area (Uli,Ihiala LGA, Anambra State),
and these include: inculcating banking
habits on the rural dwellers, and to
generate employment in the areas where it is located; and as well,
granting loans to the rural dwellers; a
ready medium for quick cash transfers for people whose relations are abroad and
within. The researcher also found out that Uli Community Bank does not only
provide financial services to the rural dwellers, but also guarantees
employment to the masses in their local and granting loans to the rural dwellers
without adhering strictly to the collateral requirements Uli Community Bank
even goes the extent of limiting the use of collateral to only making use of a
third party qyarabtir. The researcher
also noticed that the main problem facing Uli Community Bank is that it has a lot to do in the growth of economic
activities in the rural areas. The recommendations were made the banks should
be adequately funded by the federal government to beef up their capital base. Since it was
established to promote productive activities in her rural area, this will go a
long way in helping the bank to meet her enormous demands in development of the
rural areas.Government should also allow the community bank to be involved in
foreign exchange transactions and also to process her cheques directly with the
central bank and not through correspondent commercial banks. This could be possible only if community bank
are allowed to have branches and are accepted no clearing house. Finally, Uli
Community Bank should be allowed to establish other branches in her rural areas
and beyond. If all these recommendations
are implemented, it will go a very long way to developing the rural community
which is among the objectives for establishing community banks.
TABLE OF CONTENTS
CHAPTER ONE
Introduction
1
Background of the study
1
Statement of the problem 6
Objective of the study
7
Significance of the study
9
Research Questions
10
Scope of the study.
10
CHAPTER TWO
Review of related literature. 11
2.1 Historical developments of community banks 11
Related roles of development institutions and banks 19
The role of central bank of Nigeria in the establishment
of community banks
23
Rural development programmes and community banks 30
CHAPTER THREE
Research methodology
36
Research design
36
Population of the study
36
Sample and sampling techniques 36
Methods of Data collection 37
Method of Date Analysis.
37
CHAPTER FOUR
Data Presentation and analysis. 38
CHAPTER FIVE
Discussion of result
49
Summary of findings
49
Conclusions
51
Recommendations
52
Suggestion for further study 53
Limitation of the study.
54
References 55
Appendix A
57
THE EFFECT OF COMMUNITY BANKS IN RURAL DEVELOPMENT (A CASE STUDY OF ULI COMMUNITY BANK ULI)
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This project work is a study of the impart of Community Banks in Rural Development: case study Uli Community Bank Ltd, Uli. In carrying out the research, questionnaires were used, which the researcher made available to the manager, staff and customers of Uli Community Bank. Information for this research was collected from primary, secondary and oral interviews. The data were analyzed using tables and evaluation of data using percentages. The study reveals Uli Community Bank has a lot of impact in the development of its local area (Uli,Ihiala LGA, Anambra State), and these include: inculcating banking habits on the rural dwellers, and to generate employment in the areas where it is located; and as well, granting loans to the rural dwellers; a ready medium for quick cash transfers for people whose relations are abroad and within. The researcher also found out that Uli Community Bank does not only provide financial services to the rural dwellers, but also guarantees employment to the masses in their local and granting loans to the rural dwellers without adhering strictly to the collateral requirements Uli Community Bank even goes the extent of limiting the use of collateral to only making use of a third party qyarabtir. The researcher also noticed that the main problem facing Uli Community Bank is that it has a lot to do in the growth of economic activities in the rural areas. The recommendations were made the banks should be adequately funded by the federal government to.. accounting project topics
THE EFFECT OF COMMUNITY BANKS IN RURAL DEVELOPMENT (A CASE STUDY OF ULI COMMUNITY BANK ULI)