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Agricultural Loan Disbursement And Repayment In Nigerial Commercial Banks [a Case Study Of Afribank Nigerial Plc]

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AGRICULTURAL LOAN DISBURSEMENT AND REPAYMENT  IN NIGERIAL COMMERCIAL BANKS [A CASE STUDY OF AFRIBANK NIGERIAL PLC]

ABSTRACT

      The objective of this study is to evaluate agricultural loan disbursement and repayment in the Nigeria commercial banks. In particular it is intended to examine the adequacy and repayment in commercial banks. In carrying out this research both. Secondary data were collected through the use of quantitative and qualitative analysis of data and other information which were administered to the agric department of afribank Nigeria plc.

      The result of the analysis should that agricultural loans has not been effectively disbursed by the Nigeria commercial banks also the beneficiaries of such loan has not been repaying them promptly.

 

 

 

 

 

 

TABLE OF CONTENT

 

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)         Purpose / objective of the study

1.4)         Significance of the study

1.5)         Limitation of the study

 

 

 

CHAPER TWO

    Review of related literature                                    CHAPTER THREE

   Research design and methodology.

3.1)         sources of data ( secondary data only )

3.2)         location of the study  

3.3)         methods of data collection literature work only

CHAPER FOUR

         Findings

CHAPTER FIVE

  Recommendation and conclusion

FORMAT

 

 

 

CHAPTER ONE

  INTRODUCTION

1.1)         Background of the study

1.2)         Statement of the problem

1.3)         Purpose / objective of the study

1.4)         Significance of the study

1.5)         Limitation of the study

 

CHAPTER TWO

  Review of related literature

CHAPTER  THREE

3.1)         Sources of data ( secondary data only)

3.2)         Location of data

3.3)         Methods of data collection literature  work only

CHAPTER FOUR

     Findings

CHAPER FIVE

    Recommendation and conclusion

CHAPTER ONE

INTRODUCTION

1.1)     BACKGROUND OF THE STUDY

             A commercial bank can be defined as a financial institution or company carrying on the biz of receiving monies other valuables as deposits from the public for keeping and for lending to the investors on short and medium term basis on which it charges interest such deposit or repayable on demand to the depositors or order. ADEKANYA(1993)

      The early commercial bank in Nigeria were established by the colonial Govt and mainly catering for the interest of the expatriates, thus [i]financing export trade and neglecting agricultural financing. The discriminatory attitude makes some Nigeria to establishing indigenous commercial banks could be found in the country which include union bank plc, first bank plc, universal trust bank limited and afribank plc.These institutions perform such services which include the acceptance of deposits in form of cash or cheque   from the public granting of loans and overdraft faculties to customers, issuance  of letters  credit to worthy customers and fund transfer service  discounting of bills.  Etc.                                                                          Despite the amount  of loan being channeled to the agricultural sector for industrial development by commercial banks, the agricultural sector still suffers from some in he rent problems militating against the industrial and agricultural of the nations. And  there has been continuous shortage of basic food items in the nation as a result of lack of agricultural development.

            The prices of food items are always develop as result of limited yearly output of agricultural products. A huge sums of foreign exchange is spent annually on the important of   raw materials for local industries which would have been source locally, if the agricultural sector was full developed. Also farmers and other agro-base ventures are not motivated towards obtain agricultural loan facilities due to the banks stringent measure of loan appraised, disbursement &re-payment.

      Finally, a lot of foreign exchange earnings which would have been earned through commodity exports as a result of improved agricultural



 

 

 

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