EFFECTS OF THE USE OF LOCAL SANCTION BY SMALLHOLDER FARMERS IN AGRICULTURE LOAN RECVERY UNDER THE COMMUNITY BANKING SYSTEM IN ENUGU STATE NIGERIA

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EFFECTS OF THE USE OF LOCAL SANCTION BY SMALLHOLDER FARMERS IN AGRICULTURE LOAN RECVERY UNDER THE COMMUNITY BANKING SYSTEM IN ENUGU STATE NIGERIA

ABSTRACT

Distress problems in .Nigerian financial institutions resulted into their liquidation.

I Prior to the distress syndrome, many financial institutions could not respond very effectively  to the needs of small-holder farmers in Nigeria. However, empirical evidence shows that debt recovery is one major constraint of most financial institutions. It was in view of the identified problem that a research was carried out in Enugu State of Nigeria to investigate how effective is the use )of local sanction I  strategies for agricultural loans by farmers under the community banking system. The result of final statistics of factor analysis showed that three factors accounted for 72.3 percent of the total variance observed in farmer’ loan recovery ‘rankings of nine I attributes. Factor one alone accounted for 35.4% of the observed variance compared to I 23.3 % accounted for by factor two, and 13.6% by factor three., Thus, factor one may

therefore, be regarded as “the group’s refusal of loan-debtors having share in annual feasts

amongst others or stoppage of social benefit”, factor two as “non participation in elective

TABLE OF CONTENT:

CHAPTER ONE

INTRODUCTION

1.1     Background of the Study

1.2     Statement of the Research Problem

1.3     Objectives of the Study

1.4     Significance of the Study

1.5     Research Questions

1.6     Research Hypothesis

1.7     Conceptual and Operational Definition

1.8     Assumptions

1.9     Limitations of the Study

CHAPTER TWO

LITERATURE REVIEW

2.1     Sources of Literature

2.2     The Review

2.3     Summary of Literature Review

CHAPTER THREE

RESEARCH METHODOLOGY

3.1     Research Method

3.2     Research Design

3.3     Research Sample

3.4     Measuring Instrument

3.5     Data Collection

3.6     Data Analysis

3.7     Expected Result

CHAPTER FOUR

DATA ANALYSIS AND RESULTS

4.1     Data Analysis

4.2     Results

4.3     Discussion

CHAPTER FIVE

SUMMARY AND RECOMMENDATIONS

5.1     Summary

5.2     Recommendations for Further Study

References

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