CREDIT MANAGEMENT TECHNIQUES IN AGRICULTURAL CO-OPERATIVE BANK IN NIGERIA (A CASE STUDY OF NACRDB, ENUGU) (#8711)

ABSTRACT
This project is written to be useful to all who are interested in co-operative organizations, banks and the general public. This is to reveal the process of effective management of credit in Co-operative Agricultural Bank in Enugu.  In this project, one finds out the means of which this Nigeria Agricultural Co-operative and Rural Development Bank grants loans to public.  For example, critical examining showed that NACRDB grants two broad categories of loans namely: micro and macro.  At the macro level, only agricultural projects like agro processing, marketing, production, etc are considered.  While non-agricultural projects financed under micro include artisans such as vulcanisers, road side mechanics, barbing, hair dressing saloons etc. Factors militating against effective credit management in Agricultural Co-operative Banks in Enugu were revealed both economical and political. The method use in collecting data for this project is presented in tables and analysed using simple percentage rating.  Much recommendations on the way/ways of improving co-operative credit management is critically highlighted.
TABLE OF CONTENTS Title page Approval page Dedication Acknowledgement Abstract Table of contents
CHAPTER ONE: Introduction Background of the study Statement of the problem Objective of the study Significance of the study Scope and limitation Definition of terms Research question
CHAPTER TWO: Literature Review The Nature of Credit Co-operative Origin of Credit Co-operative Types of credit co-operative Co-operative Thrift & Credit Society (CTCS) Overview of credit management techniques Importance of credit management Contribution of credit to economic development The NACRDB as a source of finance for co-operative business Mandate, Corporate objective and business philosophy of  NACRDB credit schemes i.Micro Enterprise Scheme ii.Macro Enterprise Scheme NACRDB Interest rate regime How to access NACRDB loans NACRDB Ltd sources of fund Contribution of other banks in agricultural financing References
CHAPTTER THREE: Research Design and Methodology Introduction Area of study Population of the study Sample and sampling procedure Method of data collection Sources of data
CHAPTER FOUR: Data presentation, analysis and interpretation
CHAPTER FIVE: Summary, Recommendation and Conclusion