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THE IMPACT OF THE NIGERIAN AGRICULTURAL AND COOPERATIVE BANK (NACB) LIMITED ON THE SOCIO-ECONOMIC GROWTH OF NIGERIA: A CASE STUDY OF KADUNA STATE
ABSTRACT
The project examined the impact of Nigerian Agricultural and Cooperative Bank (NACB) Limited, on the socio-economic growth of Nigeria with particular reference to Kaduna State vis-a-vis the volume of loans disbursed to farmers as individuals, corporate bodies and to government agencies which had direct influence on agricultural development. The study was undertaken on Kaduna State in order to determine the actual impact of the NACB on the socio-economic life of its citizens with reference to their disposable income, improved standard of living and general impact on the development of industrial agricultural sector. For this study or project, I relied solely on primary and secondary sources of data, and the analysis was based on some simple statistical techniques such as measures of dispersion like the Mean, Mode, Median and Standard Deviation. From the research, it was discovered that most farmers still depend on external financing – such as NACB and other sources. The study on Kaduna State has demonstrated that farmers especially small-scale farmers need credit in order to boost their productivity. Also most credit to farmers are not always timely, and therefore lending becomes a problem when its obtained after the farming season. It was also discovered that, for a credit program to be effective and successful in making a substantial contribution in increasing productivity, conditions must exist for the small-scale farmer to be able to improve their land; these conditions include the use of modern tools and machines, introduce better methods of land cultivation and general agriculture. However, it can be concluded by stating that credit financing through institutional sources like NACB has helped in many ways in ameliorating the problems of farmers in Kaduna State, more especially the small-scale farmers
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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