EFFECTS OF THRIFT AND CREDIT SOCIETY ON ENHANCING MEMBERS LIVING STANDARD (A Study of Hamdala Hotel Workers Thrift and Credit Cooperative Society, Kaduna)

ABSTRACT

The effect of thrift and credit society on enhancing membersâ€™ living standard cannot be overemphasized. This has prompt the researcher to carryout a research work on the subject matter, the research started by introducing the subject matter in chapter one, background of the study, objectives of the study, research question, statement of the problem the significance of the study was also highlighted in this chapter. The researcher reviewed the work of different authors in the chapter two, the concept of cooperative, meaning of thrift and credit, the effect of cooperative and credit society, sources of fund, the problems they faced and the summary review is also discussed. The researcher discussed the method of gathering data, the data gathered were analyzed in chapter four. Lastly, the researcher draw a summary of findings, conclusion in chapter five and made some recommendations among which the researcher recommended that the problems of embezzlement, misappropriation of resource dishonesty and other negative factors associated with the management of cooperative especially in the area understudy should be checked through supervision by the cooperative department.

TABLE OF CONTENTS

Title page

Declaration

Approval page

Dedication

Acknowledgement

Abstract

Table of Contents

CHAPTER ONE â€“ INTRODUCTION

1.1 Background of the study

1.2 Statement of the problem

1.3 Objectives of the study

1.4 Research question

1.5 Significance of the study

1.6 Scope of the study

1.7 Definition of Terms

CHAPTER TWO â€“ LITERATURE REVIEW

2.1 Introduction

2.2 Concept of Cooperative

2.3 Meaning of thrift and credit society

2.4 Effect of cooperative thrift and credit society

2.5 Source of fund of cooperative thrift and credit society

2.6 Effect of cooperative thrift and credit society on Enhancing members living standard

2.7 Method and processes of business activities of thrift and credit cooperatives

2.8 Problems of thrift and credit

2.9 Summary of review literature

CHAPTER THREE â€“ RESEARCH METHODOLOGY

3.1 Introduction

3.2 Research design

3.3 Area of study

3.4 Population of the study

3.5 Sample and sampling procedure

3.6 Research instrument

3.6.1 Validity

3.6.2 Reliability

3.7 Procedure for the administration of the instrument

3.8 Method of data presentation and statistics analysis

3.9 Limitation of the study

CHAPTER FOUR â€“ DATA PRESENTATION AND STATISTICAL ANALYSIS

4.1 Introduction

4.2 Respondents Bio Data

4.3 Answering research question

4.4 Summary of findings

4.5 Discussion of findings

CHAPTER FIVE â€“ SUMMARY, CONCLUSION AND RECOMMENDATION

5.1 Introduction

5.2 Summary

5.3 Conclusion

5.4 Recommendations

5.5 Suggestion for Further Researches

References

Appendix 1

Appendix 2

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APA

Research, A. (2018). EFFECTS OF THRIFT AND CREDIT SOCIETY ON ENHANCING MEMBERS LIVING STANDARD (A Study of Hamdala Hotel Workers Thrift and Credit Cooperative Society, Kaduna). Afribary. Retrieved from https://afribary.com/index.php/works/effects-of-thrift-and-credit-society-on-enhancing-members-living-standard-a-study-of-hamdala-hotel-workers-thrift-and-credit-cooperative-society-kaduna

MLA 8th

Research, Afri "EFFECTS OF THRIFT AND CREDIT SOCIETY ON ENHANCING MEMBERS LIVING STANDARD (A Study of Hamdala Hotel Workers Thrift and Credit Cooperative Society, Kaduna)" Afribary. Afribary, 03 Feb. 2018, https://afribary.com/index.php/works/effects-of-thrift-and-credit-society-on-enhancing-members-living-standard-a-study-of-hamdala-hotel-workers-thrift-and-credit-cooperative-society-kaduna. Accessed 13 Sep. 2025.

MLA7

Research, Afri . "EFFECTS OF THRIFT AND CREDIT SOCIETY ON ENHANCING MEMBERS LIVING STANDARD (A Study of Hamdala Hotel Workers Thrift and Credit Cooperative Society, Kaduna)". Afribary, Afribary, 03 Feb. 2018. Web. 13 Sep. 2025. < https://afribary.com/index.php/works/effects-of-thrift-and-credit-society-on-enhancing-members-living-standard-a-study-of-hamdala-hotel-workers-thrift-and-credit-cooperative-society-kaduna >.

Chicago

Research, Afri . "EFFECTS OF THRIFT AND CREDIT SOCIETY ON ENHANCING MEMBERS LIVING STANDARD (A Study of Hamdala Hotel Workers Thrift and Credit Cooperative Society, Kaduna)" Afribary (2018). Accessed September 13, 2025. https://afribary.com/index.php/works/effects-of-thrift-and-credit-society-on-enhancing-members-living-standard-a-study-of-hamdala-hotel-workers-thrift-and-credit-cooperative-society-kaduna

EFFECTS OF THRIFT AND CREDIT SOCIETY ON ENHANCING MEMBERS LIVING STANDARD (A Study of Hamdala Hotel Workers Thrift and Credit Cooperative Society, Kaduna)

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