Benefits Of Cooperative Societies To Staff Of Federal Establishments In Enugu State (a Case Study Of Power Holding Company Of Nigeria Staffs Cooperative Thrift And Loan Society Limited, Enugu)

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ABSTRACT
The study systematically examined the benefits of cooperative thrift and loan to staff of federal establishment in Enugu State using Power Holding Company Nigeria as a case study. The study population covered al the member of Power Holding Company Nigeria of CTLS, and data was collected from both primary and secondary sources.  This was divided into five chapter. The chapter one contained the introductory part of the project. Literature review, research design, data presenting and analysis, conclusion and recommendation made up other four chapters. The researcher made use of both primary and secondary data, structured questionnaires were the methods used for the collection of primary data, and secondary data were also collected from textbook and various research materials.  The researcher used selected randomly. But using Taro Yamani, a sample size of 73 was used.  1 In chapter four table and Chi-square was used as a statistical tool for analyzing the data.    The data was treated in table and percentages. In which he recommended that Encouraging saving habit: a widely used here is money saved is money earned it gives credence to inculcating the habit of saving as it ensures that the knowledge above saving is wide spread amongst members so that they can on their own save rather than wasting on their salaries and loan that are forth coming and when they are with much interest that robs them off and the thrift and loan societies to employees of business organization how their well being financially and otherwise can be ensure and sustained over a long period.  Finally the study revealed the process of credit administration as well as loan application and its assessment were detailed and that the cooperative societies encourages savings as money saved is also money earned. 
TABLE OF CONTENT
Cover page i
Title page ii
Approval page iii
Dedication iv
Acknowledgment v
Abstract vi
Table of Contents
CHAPTER ONE: 
INTRODUCTION 
1.1 Background of the study 1
1.2 Statement of the Problem 3
1.3 Objectives of the study 5
1.4 Research Questions 6
1.5 Research Hypothesis
1.6 Significance of the study 8
1.7 Limitations of the Study 9
1.8 Definition of Terms 11

CHAPTER TWO: 
LITERATURE REVIEW 
2.1 History of Cooperatives 14
2.2 Credit Co-operative 22
2.3 Sources of Cooperative Finance 28
2.4 The Process of Credit a Infrastructure 37
2.5 Terms of Credit 43
2.6 Loan Recovery 45

CHAPTER THREE: 
RESEARCH DESIGN AND METHODOLOGY 
3.1 Research Design 46
3.2 Area of Study 47
3.3 Population of study 48
3.4 Sampling and Sampling Procedure   48
3.5 Method of Data Collection 49
3.6 Research Instrument 49
3.7 Validity and Reliability of the Instrument 51
3.8 Method of Data Analysis 52
Referees 

CHAPTER FOUR:  
PRESENTATION AND ANALYSIS 
4.1 Presentation and Analysis of Data   54
4.2 Test of Hypothesis 62
4.3 Summary of Result 69

CHAPTER FIVE: 
SUMMARY OF FINDINGS, RECOMMENDATION AND CONCLUSION 
5.1 Summary of Findings 70
5.2 Conclusion 71
5.3 Recommendations 72
       References 
Appendices

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(2014, 10). Benefits Of Cooperative Societies To Staff Of Federal Establishments In Enugu State (a Case Study Of Power Holding Company Of Nigeria Staffs Cooperative Thrift And Loan Society Limited, Enugu).. ProjectStoc.com. Retrieved 10, 2014, from https://projectstoc.com/read/3729/benefits-of-cooperative-societies-to-staff-of-federal-establishments-in-enugu-state-a-case-study-of-power-holding-company-of-nigeria-staffs-cooperative-thrift-and-loan-society-limited-enugu-2315
"Benefits Of Cooperative Societies To Staff Of Federal Establishments In Enugu State (a Case Study Of Power Holding Company Of Nigeria Staffs Cooperative Thrift And Loan Society Limited, Enugu)." ProjectStoc.com. 10 2014. 2014. 10 2014 <https://projectstoc.com/read/3729/benefits-of-cooperative-societies-to-staff-of-federal-establishments-in-enugu-state-a-case-study-of-power-holding-company-of-nigeria-staffs-cooperative-thrift-and-loan-society-limited-enugu-2315>.
"Benefits Of Cooperative Societies To Staff Of Federal Establishments In Enugu State (a Case Study Of Power Holding Company Of Nigeria Staffs Cooperative Thrift And Loan Society Limited, Enugu).." ProjectStoc.com. ProjectStoc.com, 10 2014. Web. 10 2014. <https://projectstoc.com/read/3729/benefits-of-cooperative-societies-to-staff-of-federal-establishments-in-enugu-state-a-case-study-of-power-holding-company-of-nigeria-staffs-cooperative-thrift-and-loan-society-limited-enugu-2315>.
"Benefits Of Cooperative Societies To Staff Of Federal Establishments In Enugu State (a Case Study Of Power Holding Company Of Nigeria Staffs Cooperative Thrift And Loan Society Limited, Enugu).." ProjectStoc.com. 10, 2014. Accessed 10, 2014. https://projectstoc.com/read/3729/benefits-of-cooperative-societies-to-staff-of-federal-establishments-in-enugu-state-a-case-study-of-power-holding-company-of-nigeria-staffs-cooperative-thrift-and-loan-society-limited-enugu-2315.

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