Full Project – AN EXAMINATION OF THE ROLE OF COMMERCIAL BANKS IN FINANCIAL OF AGRICULTURAL PROJECTS
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AN EXAMINATION OF THE ROLE OF COMMERCIAL BANKS IN FINANCIAL OF AGRICULTURAL PROJECTS IN ENUGU STATE
(A CASE STUDY OF FIRST BANK NIGERIA PLC 1999)
ABSTRACT
It has because very imperative to examine the role of commercial Bank in financing of A agricultural projects PLC, (1999 – 2003), is s topic so crucial that interested parties in the work many.
It is very vital considering the role of commercial banks in general and first Bank in particular play in financing of Agricultural. Project in Enugu state, in sustaining the Economy.
This creditable role being played by the above bank in sustaining the economy of Enugu state and the position of agriculture in the building of a venture find a self reliant nation attracted the attention of the researcher. The instrument with which the Central Bank of Nigeria Central the commercial Banks in general and first Bank in particular in terms of Agricultural loans were examined. With credit guidelines which comes out every year, Central Bank of Nigeria specifies, the minimum percentage of loan of agricultural sectors. Secondarily, the Federal Government of Nigeria and the Central Bank of Nigeria established the Agricultural credit guarantee the value fund by which the farmers who receive loan under it are guaranteed by the Central Bank of Nigeria. The liability of CBN is the case of default is up to 75%.
The study tried to find out whether the decline in agricultural output within the state has link with the absence of credit facility made available to formers by commercial banks in general and first bank in particular in financing of Agricultural projects in Enugu state, in doing so first Bank of Nigeria (FBN) PLC with Bank office and area offices within Enugu state were selected for studies, and because of size three local Government treas were also selected for study and the include Enugu East and Enugu South.. Cluster sampling was used to selected farmers on which questionnaire were administered.
Also used in collecting data was interview method because there were some farmer who were not very literate. The data collected was used testing the two hypothesis for the topic. The hypotheses included that carry out feasibility study to Agricultural farmers do not have any effect on commercial Banks in general and Bank in particular in financing of agricultural project in Enugu state, and commercial Banks aim general and first Bank in particular do not respond adequately to farmers in financing needs of agricultural project in Enugu state.
In testing the above hypothesis, chi – square test was used. The test concluded that carrying out feasibility study to Agricultural farmers in Enugu state do not have any effect.. It was also concluded that commercial Bank in General and first Bank in particular do not respond adequately to farmers in financing need of agricultural projects in Enugu state.
Other mirror issues in the researcher questions in the project were weighted to percentages.
In conclusion, commercial banks in general and first Bank in particular should be more encourage to assist agricultural sector and appropriate staff expansion recommended for effective supervision to avoid both loan default and diversion in Enugu state.
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Full Project – AN EXAMINATION OF THE ROLE OF COMMERCIAL BANKS IN FINANCIAL OF AGRICULTURAL PROJECTS