This research project is a crucial study on the role of Bank in increased Agriculture productivity in Nigeria. The study is motivated by the necessity to establish the extent of Agricultural cooperatives in Nigeria. To solve the research problem primary and secondary data was collected. The data were questionnaire and oral interview. The respondents comprised of personal of the bank and some of the farmer who benefited, from the loan. The presenting data collected, tables frequencies and percentage were used. Data analysis and interpretation give the following findings. (1) The impact of Umuchinemere pro credit has been very much to help the farmer (2) The impact of Umunne Micro Finance Bank and others towards farmers and less privilege (3) The level of response to wards loan facilities is very satisfactory (5) when loan is not repaid the guarantors are involved and auction of nay real estate researcher recommends that: Umuchinemerem and other micro finance Banks Enugu should constitute a feasible alternative for providing financial assistance to support all efforts for further development of agricultural sector. Banks should develop their farmers by allowing agricultural loan to cover all stages, of agricultural be basically for agricultural activities. The contribution of the study is the Role of Umuchinemere Procedit Bank and some other micro Finance Banks has contributed to make the field of agriculture activities successfully. It has proved to be an important channel in providing financial service particularly credit to small farmers.

TABLE OF CONTENTS

Title page i

Approval page ii

Dedication iii

Acknowledgement iv

Abstract v

Table of contents vi

CHAPTER ONE

INTRODUCTION 1

1.1 Background of the study 1

1.2 Statement of problem 4

1.3 Objective of the study 5

1.4 Significance of the study 6

1.5 Scope of the study 7

1.6 Research question 8

1.7 Limitation of the study 9

1.8 Definition of terms 10

References 12

CHAPTER TWO

THE REVIEW OF RELATED LITERATURE 13

2.1 Problem of agricultural productivity in Nigeria 14

2.2 The role of banks in increased

agricultural productivity. 19

2.3 Agricultural credit policies in Nigeria 21

References 26

CHAPTER THREE

RESEARCH DESIGN AND METHODOLOGY 27

3.1 Research design 27

3.2 Area of study 28

3.3 Population of the study 28

3.4 Sample and sampling 28

3.5 Determination of sample size 29

3.6 Instrument for data collection 31

3.7 Validation and reliability of instrument 331

3.8 Reliability of the instrument 32

3.9 Method of data collection 32

3.10 Method of data analysis 33

CHAPTER FOUR

4.0 PRESENTATION AND ANALYSIS OF DATA 34

4.2 Summary of result 48

CHAPTER FIVE

SUMMARY OF FINDING RECOMMENDATIONS AND CONCLUSION 49

5.1 Summary of findings 49

5.2 Recommendations 50

5.3 Conclusion 52

5.4 Suggestion for further research 53

Bibliography 54

Appendix 1 55

Questions for personnel 56

CHAPTER ONE

INTRODUCTION

1.1 BACKGROUND OF THE STUDY

Agriculture is very important to life, as nobody can live without Agricultural products, therefore financial houses and governments are in the business of giving credit to farmers to improve Agricultural productivities because of the essentiality of Agriculture in individual life and in the societies at large.

The provision of sound financial regulations that makes for economic well being is very essential and the assistance of financial house in building up a safe terrain in monetary reserves is very important in Agricultural sector where individuals, w ho hold Agricultural stock could pull their resources together when union of these stockholders could amount to a greater gain to the advancement of the individuals, well being and collective aspiration.

These financial institutions have the authority to deal on multiple problems traumatizing Agriculture and formation of Agro-union in Nigeria. The bank of Agriculture is becoming so highly modernized so that it will take a lot of money to produce food and cash crops in much profitable abundance. It is with these mind that government has arranged with her many agencies to bring some relief to aspiring agro=stock holders. Banks in any Nation have the key noble play on unfolding, the financial success in the economy.

Agricultural is a venture by some farmers, who hold Agricultural stock and on seeking to uplift their collective and individual, Agricultural standards. There standards range from planning technique to farmers who seek seed producing and from financial subsidization to producing and from financial subsidization to produce display in proper places. Agricultural, sector provides useful service where none exist especially one that would encourage uneconomic for individual ownership. They seek favorable trends such as Loan, scheme, plating crucial banking services and general market safety regulation ignorance, if now benefits and possible support from responsible agencies have killed better, banks being organized. Financial unit that can monitor research cash flow and general economic trends happened. To be a greater case to dealt with farmers.

The ideal relationship between the financial houses and farers as individuals or as co-operatives could not be over emphasized. Individual farmers could find relative bank services fit for a great initiative transformation. Financial scheme that enable peasant transformation into grants in Agriculture are abundant such as a loan in Agricultural co-operative society where many individuals pull researches together. The level in individual maturity and productivity capacity could not be reckoned with.

With the foregoing points, I wish to point out that the prime focus of this study is to found out how bank increased Agricultural productivity in Nigeria.

The Nigeria Agriculture and Umuchinemere and other Micro Finance Banks in Enugu have been selected as a case study.