BENEFITS OF COOPERATIVE SOCIETIES TO STAFF OF FEDERAL ESTABLISHMENTS IN ENUGU STATE (A CASE STUDY OF POWER HOLDING COMPANY OF NIGERIA STAFFS COOPERATIVE THRIFT AND LOAN SOCIETY LIMITED, ENU

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ABSTRACT

The study systematically examined the benefits of cooperative thrift and loan to staff of federal establishment in Enugu State using Power Holding Company Nigeria as a case study. The study population covered al the member of Power Holding Company Nigeria of CTLS, and data was collected from both primary and secondary sources. This was divided into five chapter. The chapter one contained the introductory part of the project. Literature review, research design, data presenting and analysis, conclusion and recommendation made up other four chapters. The researcher made use of both primary and secondary data, structured questionnaires were the methods used for the collection of primary data, and secondary data were also collected from textbook and various research materials. The researcher used selected randomly. But using Taro Yamani, a sample size of 73 was used. 1 In chapter four table and Chi-square was used as a statistical tool for analyzing the data. The data was treated in table and percentages. In which he recommended that Encouraging saving habit: a widely used here is money saved is money earned it gives credence to inculcating the habit of saving as it ensures that the knowledge above saving is wide spread amongst members so that they can on their own save rather than wasting on their salaries and loan that are forth coming and when they are with much interest that robs them off and the thrift and loan societies to employees of business organization how their well being financially and otherwise can be ensure and sustained over a long period. Finally the study revealed the process of credit administration as well as loan application and its assessment were detailed and that the cooperative societies encourages savings as money saved is also money earned.

TABLE OF CONTENT

Cover page i

Title page ii

Approval page iii

Dedicationiv

Acknowledgmentv

Abstract vi

Table of Contents

CHAPTER ONE:

INTRODUCTION

1.1Background of the study 1

1.2Statement of the Problem 3

1.3Objectives of the study 5

1.4Research Questions6

1.5Research Hypothesis 7

1.6Significance of the study 8

1.7Limitations of the Study 9

1.8Definition of Terms 11

CHAPTER TWO:

LITERATURE REVIEW

2.1History of Cooperatives14

2.2Credit Co-operative 22

2.3Sources of Cooperative Finance28

2.4The Process of Credit a Infrastructure 37

2.5Terms of Credit 43

2.6Loan Recovery 45

CHAPTER THREE:

RESEARCH DESIGN AND METHODOLOGY

3.1Research Design46

3.2Area of Study 47

3.3Population of study 48

3.4Sampling and Sampling Procedure 48

3.5Method of Data Collection 49

3.6Research Instrument 49

3.7Validity and Reliability of the Instrument 51

3.8Method of Data Analysis 52

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CHAPTER FOUR:

PRESENTATION AND ANALYSIS

4.1Presentation and Analysis of Data 54

4.2Test of Hypothesis 62

4.3Summary of Result 69

CHAPTER FIVE:

SUMMARY OF FINDINGS, RECOMMENDATION AND CONCLUSION

5.1Summary of Findings 70

5.2Conclusion 71

5.3Recommendations 72

References

Appendices

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BENEFITS OF COOPERATIVE SOCIETIES TO STAFF OF FEDERAL ESTABLISHMENTS IN ENUGU STATE (A CASE STUDY OF POWER HOLDING COMPANY OF NIGERIA STAFFS COOPERATIVE THRIFT AND LOAN SOCIETY LIMITED, ENU

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