An Appraisal Of The Role Of Deposit Money Banks In Financing Agricultural Projects In Enugu State (a Case Study Of Selected Deposit Money Banks Enugu Metropolis)

This study examined the role of money deposit banks in financing agricultural project in Enugu Metropolis. It emphasizes the need to promote agricultural production to improve the standard of living and reduce the unguided population explosion which is in geometrical progression (G.P) while agricultural product was only growing in an arithmetical progression.  The researcher made use of both primary and secondary sources of data collection.  The researcher utilizes questionnaires and oral interviews as primary sources of data. Moreso, pertinent relevant literatures and text books served as secondary sources of data. The population of the study was fifty seven (57) both farmers and bankers.  In organizing and presenting data collected, tables, frequencies and percentages were used to analyze the data.  Based on the analysis, the following findings were made: firstly, farmer complained of not receiving attention promptly from banks.  The bankers also complained of inadequate collateral.  It was also discovered that the money collected from the money deposit banks is not channeled to the production of farm products.  In other words, they (farmers) use the money to attend to other personal needs, thus, making the bankers reluctant.  Based on the following findings, the researcher recommended that banks should seize the opportunity of their presence in the rural areas to identify genuine farmers, employing more agricultural officers will eliminate the problem of inadequate supervision of on going  projects. Efforts should be made to give loans worth at least N50,000 to peasant farmers without requesting for much security etc. At the end of the research, it revealed that the task facing money deposit banks in financing agricultural project is made more difficult by the farmers themselves.    

Title Page         

Approval Page       

Dedication         

Acknowledgement        

Abstract          

Table of Contents       

CHAPTER ONE: 

INTRODUCTION  

1.1  Background of the Study     

1.2  Statement of the Problem

1.3  Objectives of the Study    

1.4  Research Questions      

1.5  Research Hypothesis     

1.6  Significance of the Study    

1.7  Scope, Limitation and Delimitation of  Study 

1.8  Definition of Terms      

     References       

CHAPTER TWO: 

REVIEW OF RELATED LITERATURE  

2.1  The Meaning of Agricultural Finance    

2.2  Finance of Agricultural Project in Developed Countries         

2.3  Agricultural Finance in Nigeria as a Developing Country        

2.4  Problems Facing Agricultural Project Finance In Nigeria’s Deposit Money Banks   

2.5  Agricultural Financing in Enugu State  

2.6  Sources of Agricultural Finance in Enugu State

2.7  The Position of the Banking Sector Before Consolidation       

2.7.1The Reform Agenda for Consolidation   

2.7.2Benefits of Consolidation      

2.7.3The Reasons for Consolidation   

2.7.4The Implication of Consolidation on the Banking Industry        

2.8  Evaluation of Deposit Money Banks Performance On Granting Agricultural Loans   

2.9  An Overview of the Federal Government Assistance in Relation to Agricultural Finance  

     References        

CHAPTER THREE: 

RESEARCH DESIGN AND METHODOLOGY  

3.1   Research Methodology      

3.2   Research Design       

3.3   Area of Study       

3.4   Sources of Data       

3.4.1Primary Sources       

3.4.2Secondary Sources      

3.5   Population of Study      

3.6   Determination of Sample Size and Sampling Technique        

3.7   Instrument for Data Collection    

3.8   Method of Data Collection     

3.9   Method of Data Presentation    

3.10 Method of Data Analysis     

     References        

CHAPTER FOUR: 

PRESENTATION, ANALYSIS AND INTERPRETATION OF DATA  

4.1   Presentation of Data and Analysis   

4.2   Data Presentation and Analysis    

4.3   Testing of Hypothesis      

4.3.1Testing of Hypothesis One     

4.3.2Testing of Hypothesis Two   

CHAPTER FIVE: 

SUMMARY OF FINDINGS, RECOMMENDATIONS AND CONCLUSIONS

5.1  Summary of Findings      

5.2  Recommendations       

5.3  Conclusions       

     Bibliography      

     Appendix         

     Questionnaire