A STUDY ON COOPERATIVE THRIFT AND LOAN SOCIETY (A CASE STUDY OF FEDERAL MINISTRY OF INDUSTRY AND TECHNOLOGY, OWERRI, IMO STATE - 1998 – JUNE 2004)

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ABSTRACT

This research project titled “Co-operative Thrift and Loan Society of Federal Ministry of Industry and Technology, Owerri, Imo state. The study was motivated by the necessity of requirement for the award of Higher National Diploma in Co-operative Economics and Management of Institute of Management and Technology (IMT), Enugu. It aimed at identifying the causes of the study of co-operative thrift and loan society in Owerri, Imo State.

To solve the research problems both primary and secondary data were collected. The research instruments used in collecting the data were questionnaire and oral interview. The respondents comprised of members of the society its employees and some members of staff of Federal Ministry of Commerce and Industry, Owerri, Imo State.

In organizing and presenting data collected frequency, distribute tables; charts percentage and degrees were used. Data analysis and interpretation gave the following findings and among others.

A.LOAN DISBURSEMENT

Some dishonesty leaders among the members, something fails to disburse the loan to the members, which leads to present and embezzlement of fund among co-operative practitioners.

B.RECOVERY/REPAYMENT OF LOAN

Some of the members fails to pay back the loan, when its due for them to pay beck the loan to the society.

C.LOAN DEFAULTERS

Some loan defaulters often fail to authorize the deduction of their money when indebted to the society.

D.There is no external co-operative audit in the co-operative thrift and loan society. The conclusion of the study is that there is a problem in co-operative thrift and loan society, which is the fail, that it does fairly satisfy its member’s financial need. This is as a result of a number of factors such as poor management, lack of co-operation in the society and many other. The said society will satisfy its members if the above listed recommendations are implemented in the society.

TABLE OF CONTENTS

Title page

Approval page

Dedication

Abstract

Acknowledgement

Table of contents

CHAPTER ONE

1.0INTRODUCTION

1.1Background of the Study

1.2Statement of the problem

1.3Purpose of the Study

1.4Significant of the Study

1.5Scope and Delimitation of the Study

1.6Research Questions

CHAPTER TWO

2.0Literature Review

2.1Historical Development of Co-operative Thrift and Loan Society

2.2Meaning of Co-operative Thrift and Loan Society

2.3Sources of Co-operative Thrift and Loan Society (CTLS) Fund

2.4Method of Disbursement of Loan in Co-operative Thrift and Loan Society

2.5Recovery/Repayment of Loan

2.6Benefit of Co-operative Thrift and Loan Society to It’s Members

2.7Problem of Co-operative Thrift and Loan Society

CHAPTER THREE

3.0Research Design and Methodology

3.1Introduction

3.2Location of the Study

3.3Population of the Study

3.4Sources of Data

3.5Sampling Method Sample size

3.6Method of Investigation

CHAPTER FOUR

4.0Presentation and analysis of Data

4.1Introduction

CHAPTER FIVE

5.0Discussion of findings, Recommendations and Conclusion

5.1Introduction

5.2Restatement of the problem

5.3Research Findings

5.4Recommendation

BIBLIOGRAPHY

‘APPENDIX ‘A’

‘APPENDIX ‘B’

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A STUDY ON COOPERATIVE THRIFT AND LOAN SOCIETY (A CASE STUDY OF FEDERAL MINISTRY OF INDUSTRY AND TECHNOLOGY, OWERRI, IMO STATE - 1998 – JUNE 2004)

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