PROBLEMS AND PROSPECTS OF COMMUNITY BANKS IN THE RURAL DEVELOPMENT OF NIGERIA. (A CASE STUDY OF OGUI COMMUNITY BANK, ENUGU SOUTH L. G. A

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ABSTRACT

The community banking scheme has been in operation since December 1990, and has to a large extent achieved its objectives as a vehicle for poverty alleviation at the grassroots’ level. With about 1000 unit community banks and hundreds of thousands of customers, the banking habit has reasonably increased in the rural areas.

The poor farmers, cattle rears, fisher men and artisans who might not have collateral but are hardworking could get loans from their community banks for productive activities thereby boasting the gross domestic products of the country. Since government encouraged the communities to invest in community banks, the scheme should be supported to succeed. It is cheaper way of sustainable development of the rural areas in the short, medium and long term.

However, in examining the problems and prospects of the community bank in the rural development of Nigeria, some prepared Questionnaire were distributed to Ogui Urban Community Bank of Nigeria Ltd. staff in Enugu. Information received from the responses were supplemented with oral interview, personal observation and the review of some related books and journals.

The responses from the returned questionnaire were analyzed and the result of the analysis were later converted into table percentages.

Recommendation were made based on information obtained and some literature reviewed.

Finally, conclusion was drawn on the topic studied.

TABLE OF CONTENT

Title Page

Approval Page

Dedication

Acknowledgement

Abstract

CHAPTER ONE

INTRODUCTION

1.1Problem Identification and Purpose of Study

1.2Rationale of the Study

1.3Significance of the Study

1.4Background of the Study

1.5Definition of Terms

CHAPTER TWO

LITERATURE REVIEW

2.1 Theoretical Review

2.2 Empirical Review

CHAPTER THREE

RESEARCH DESIGN

3.1 Hypothesis of the Study

3.2 Research Tools and Procedure

3.3 Source of Data

3.4 Limitation of the study

CHAPTER FOUR

DATA PRESENTATION AND ANALYSIS

4.1 Presentation of the Data

4.2 Analysis of Data

4.3 Discussion of the Result

CHAPTER FIVE

Summary, Conclusion and Recommendation

5.1 Summary of the Study

5.2 Conclusion

5.3 a. Recommendation of the Study

b. Recommendation for Further Studies

BIBLIOGRAPHY

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PROBLEMS AND PROSPECTS OF COMMUNITY BANKS IN THE RURAL DEVELOPMENT OF NIGERIA. (A CASE STUDY OF OGUI COMMUNITY BANK, ENUGU SOUTH L. G. A

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