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AGRICULTURAL FINANCING IN NIGERIA: AN ANALYTICAL STUDY OF THE PLATEAU STATE AGRICULTURAL LOAN SCHEME SINCE INCEPTION
ABSTRACT
Nigeria’s agricultural sector is dominated by
the peasant system of agriculture which is characterised
by the use of primitive techniques of farming resulting
in low productivity. To increase the country’s
agriculture output, there is the need for these small
scale farmers to be given credit. This special problem
led. to the establishment of the Plateau State Agricultural
Loan Scheme in 1977. Since inception, the scheme has
been granting loans to these farmers without an empirical
study to determine its contribution to the development, of
agriculture in the state and to deterrmine problems
affecting the performance of the scheme in the attainment
of its stated objectives and offer suggestions where
necessary, This study attempts to determine how well the
scheme has performed, to identify problems faced by the
scheme in providing credit to farmers.
It was found that the scheme obtains loans from
Commercial Banks for onward lending to farmers and that
during the period under study, it has disbursed the sum
of N10,022,467.12 to 6888 farmers and 58 Co-operative
Societies in the State. The beneficiaries however,
complained of late disbursement, inadequacy of loans and
short repayment periods.
The scheme on its part, is faced with certain
operational problems which include shortage of staff,
insufficiency of inputs, low repayment rates from farmers
and shortage of funds.
TABLE OF CONTENT
Title page- – – – – – – – – i
Approval page – – – – – – – -ii
Dedication – – – – – – – – -iii
Acknowledgement – – – – – – – -iv
Abstract – – – – – – – – – -v
Table of content – – – – – – – -vi
CHAPTER ONE
INTRODUCTION – – – – – – – -1
1.0 Background of the study – – – – -1
1.1 Statement of the problem – – – – -5
1.2 Purpose of the study – – – – – -6
1.3 Significance of the study – – – – -8
1.4 Research questions – – – – – -9
1.5 Scope of the study – – – – – – -10
CHAPTER TWO
LITERATURE REVIEW – – – – – – -11
CHAPTER THREE
Research methodology – – – – – – -39
Design of study – – – – – – – -40
CHAPTER FOUR
Presentation, analysis and interpretation of data – -48
CHAPTER FIVE
Summary of findings – – – – – – -60
Conclusion – – – – – – – – -61
Recommendations – – – – – – – -62
Suggestions for further research – – – – -64
References – – – – – – – – -65
Appendix I – – – – — – – – -68
Questionnaire. – – – – – – – -69
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