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PROBLEMS AND PROSPECTS OF COMMUNITY BANKS IN THE RURAL
DEVELOPMENT OF NIGERIA
PROBLEMS AND PROSPECTS OF COMMUNITY BANKS IN THE RURAL
DEVELOPMENT OF NIGERIA
(A CASE STUDY OF OGUI COMMUNITY BANK, ENUGU SOUTH L. G. A.)
ABSTRACT
The community banking scheme has been in operation since
December 1990, and has to a large extent achieved its objectives as a vehicle
for poverty alleviation at the grassroots’ level. With about 1000 unit
community banks and hundreds of thousands of customers, the banking habit has
reasonably increased in the rural areas.
The poor farmers, cattle rears, fisher men and artisans who
might not have collateral but are hardworking could get loans from their
community banks for productive activities thereby boasting the gross domestic
products of the country. Since government encouraged the communities to invest
in community banks, the scheme should be supported to succeed. It is cheaper
way of sustainable development of the rural areas in the short, medium and long
term.
However, in examining the problems and prospects of the
community bank in the rural development of Nigeria, some prepared Questionnaire
were distributed to Ogui Urban Community Bank of Nigeria Ltd. staff in Enugu.
Information received from the responses were supplemented with oral interview,
personal observation and the review of some related books and journals.
The responses from the returned questionnaire were analyzed
and the result of the analysis were later converted into table percentages.
Recommendation were made based on information obtained and
some literature reviewed.
Finally, conclusion was drawn on the topic studied.
TABLE OF CONTENT
Title Page
Approval Page
Dedication
Acknowledgement
Abstract
CHAPTER ONE
INTRODUCTION
1.1 Problem
Identification and Purpose of Study
1.2 Rationale of the
Study
1.3 Significance of
the Study
1.4 Background of the
Study
1.5 Definition of
Terms
CHAPTER TWO
LITERATURE REVIEW
2.1 Theoretical Review
2.2 Empirical Review
CHAPTER THREE
RESEARCH DESIGN
3.1 Hypothesis of the Study
3.2 Research Tools and Procedure
3.3 Source of Data
3.4 Limitation of the study
CHAPTER FOUR
DATA PRESENTATION AND ANALYSIS
4.1 Presentation of the Data
4.2 Analysis of Data
4.3 Discussion of the Result
CHAPTER FIVE
Summary, Conclusion and Recommendation
5.1 Summary of the Study
5.2 Conclusion
5.3 a. Recommendation of the Study
b. Recommendation
for Further Studies
BIBLIOGRAPHY
CHAPTER ONE
INTRODUCTION
1.1 PROBLEM
IDENTIFICATION AND PURPOSE OF THE STUDY
The community bank is a financial institution established to
carter to the savings and credit needs of small – scale producers throughout
the country. Thus, the institution represents the coalescence and modernization
of traditional institutions with which most Nigerians are very familiar with,
the rotating savings and credit institutions known as “isusu” and the other town
union or community development association.
It was clear that inspite of government policy such as the
agricultural credit quarantee scheme, conventional commercial banks and even
development banking institutions face serious constraints in attending to the
credit needs of millions of small producers in which most of whom have no
collateral to put down on security.
The purpose
of the study in this research includes:
a. To evaluate the
role of Ogui Community Bank in rural development.
b. To investigate
the problems facing the community banking system with special emphasis on
community bank.
c. To make
recommendations for the improvement of community banking system represented by
Ogui Community Bank.
1.2 RATIONALE OF
THE STUDY
The rationale of the study is aimed at helping researchers to
evaluate the role of Ogui Community Bank in rural development.
Thus, they enlighten the community on the effective use of
credit and other banking services so as to enhance individual, collective and
community production and development. It will help them perform non – banking
functions that promote grassroots development
such as supporting individual, co-operatives and group formation
activities, assisting clients in marketing of agricultural, rural, industrial
and other products.
Thus, they
provide financial and other extension services to clients and other community
members.
1.3 SIGNIFICANCE OF
THE STUDY
When this project is completed, it will help researchers to
work further on areas of development open to community banks.
It will also assist customers of the bank to know the
services provided by the bank. Ogui Community Bank Ltd. Could also use it to
their own advantage especially with regard to areas where they are lacking.
This study will also help the Community Bank explore other
alternatives to improving their services. It will also remind the bank whether
they have achieved their mandate.
1.4 BACKGROUND OF THE
STUDY
The historical development of the banking industry in Nigeria
shows the initial exclusion of the generality of rural community in the
provision of banking services. Government has in those days made several but
less successful efforts to encourage the spread of banking services to the
rural areas.
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