IMPACT OF BANK LENDING ON THE DEVELOPMENT OF SMALL SCALE FARM HOLDERS (A CASE STUDY OF KABBBUNU LOCAL GOVERNMENT AREA)

Abstract

Problem of small scale term holders to Nigeria alone there are similar problems all over the developing countries. So far agricultural credit is a known limiting factor to the realization of the dream of this group of farm holders (small scale holders) improve producing despite the birth of the Nigeria small holders had largely been neglected. The need for agricultural credit is to improve other things in agricultural production the impact of bank lending to agricultural development had been favoured in the discussion from the researcher investigation the poor performance of institution credit is not uncollected with farmers themselves judging from their basic attitudes towards loan obligation and their basic features which make lending in this sector it therefore recommended that farm holders should be unlighted inculcate the spirit of loan discipline to take insurance cover against insurable hazard and should be encouraged to form a viable co-operation societies and other farmers group to attract institution credit.

TABLE OF CONTENTS

Title page - - - - - - - - - i

Approval page - - - - - - - - ii

Dedication - - - - - - - - iii

Acknowledgement - - - - - - - iv

Abstract - - - - - - - - - v

Table of content - - - - - - - vi

CHAPTER ONE

INTRODUCTION

1.1 Background to the Study - - - - - - 1

1.2 Statement of the Problem - - - - - - 4

1.3 Objective of the Study - - - - - - 5

1.4 Significance of the Study - - - - - - 6

1.5 Research Questions - - - - - - - 8

1.6 Scope of the Study - - - - - - - 9

1.7 Limitations of the Study - - - - - - 10

1.8 Definitions of Terms - - - - - - - 11

CHAPTER TWO

LITERATURE REVIEW

2.0 Introduction - - - - - - - - 14

2.1 The Concept of Small Scale Farm Holder - - - 17

2.2 The Types of Small Scale Farm Holder - - - 20

2.3 Causes of Credit Institution on Farm Holders - - 22

2.4 Effect of Agricultural, Loan Procurement and Credit Facilities on Small Scale Holder - - - - - - 31

2.5 Measures of Application Requirement - - - 32

2.6 Challenges of Agricultural Finances on Small Scale Farm Holders by Bank - - - - - - - 35

2.7 Appraisal and Summary of Literature Review - - 39

CHAPTER THREE

RESEARCH METHODOLOGY

3.0 Introduction - - - - - - - - 42

3.1 Brief History of Kabba/bunu Local Government - 42

3.2 Population of the Study - - - - - - 44

3.3 Sample Size and Technique - - - - - 45

3.4 Sources for Data Collection - - - - - 46

3.5 Method of Data Collection - - - - - - 47

3.6 Statistical Tools for Analysis of Data Collected - - 48

3.7 Problem of the Methodology - - - - - 49

CHAPTER FOUR

DATA PRESENTATION AND ANALYSIS

4.1 Introduction - - - - - - - - 50

4.2 Data Presentation and Analysis - - - - - 50

4.3 Observation/Discussion of Finding - - - - 64

CHAPTER FIVE

SUMMARY CONCLUSION AND RECOMMENDATIONS

5.1 Summary - - - - - - - - - 65

5.2 Conclusion - - - - - - - - 65

5.3 Recommendations - - - - - - - 66

5.4 Recommendation for Further Study - - - - 67

Bibliography

Appendix