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THE DEVELOPMENTAL IMPACT OF RURAL BANKING IN NIGERIA

THE DEVELOPMENTAL IMPACT OF RURAL BANKING IN NIGERIA

(A CASE STUDY OF UNITED BANK FOR AFRICA PLC)

 

CHAPTER ONE

  • Introduction


1.1     Aims and objectives

  • Statement of research problems

  • Significance of study

  • Scope of study

  • Limitation of scope

  • Statement of Research Hypothesis

  • Definitions of terms


CHAPTER TWO

  • Review of Related Literature


2.1     Historical Background of United Bank of Africa, Enugu Branch

  • Banking marketing awareness and acceptance

  • The social responsibilities facing banks

  • Rural banking and agricultural development

  • Rural banking and rural infrastructural development

  • Rural banking and other development

  • The rural banking scheme

  • Evaluation of the rural banking scheme


 

CHAPTER THREE

  • Research methodology


3.1     Sources of Data collection

  • Primary Sources

  • Secondary sources

  • Organising and analyzing gathered data


 

CHAPTER FOUR

  • Data presentation and analysis


4.1     Data presentation analysis

  • Questionnaire analysis

  • Personal interview analysis

  • Test of Hypothesis

  • Interpretation of results


 

CHAPTER FIVE

  • Summary, conclusion and recommendation


5.1     Findings

  • Conclusion

  • Recommendation


References

Appendix

 

ABSTRACT

 

This research work, the developmental impact of rural banking in Nigeria, a case study of United Bank of Africa (UBA) was carried out to measure to what extent the rural commercial banks have been able to involve the inhabitant of our rural areas in economic activities in terms of awareness and influence on their style of living through banking activities and how successful the bank are measuring up with their major aim of existence.

Chapter one, is an introductory aspect of the study.  It contains items like the statement of the problem, objective of study, scope limitation and definition of terms.

Chapter two, this chapter is essentially made up of review of related literature, where attempt is made to keep the readers full understanding of the theories underlying subject matters.

Chapter three, is on research design and methodology.  This chapter tried to justify the method of data collection method of data presentation, which can be used in the research method.

Chapter four, data presentation and analysis in the financial statement interpretation and ratio analysis in the financial statement.

Chapter five will deal with the finding, conclusion, recommendations and appendix.

CHAPTER ONE

 

  • INTRODUCTION


Banking service when introduced in our rural areas will bring development or specifically economic development to the doorstep of every citizen in this country since between 70 – 80 percent of Nigerians lives in the rural area.

Every Nigeria want to go to the urban area because of availability of infrastructural amenities like electricity, good roads, pipe borne water, civilized market operation, job opportunities and so on.  If these social amenities continue to exist in urban areas, life in rural areas will still remain underdeveloped.  Money they say is the blood that nourishes or gives life to any prosperous economy of a nation.  For money to accomplish its aims in an economy, it needs to be properly managed and controlled in the banking sector.

Agriculture is the second major sources that generate revenue to the Nigeria government after oil industry.  The sector of the economy right from time has been neglected.  The rural areas have not felt any positive impact on the development plan but only recorded a decline in agricultural productivity, which shows that the rural areas have been neglected at the expense of the urban areas.

The banking industries one of every nations sectors that has a controlling impact on the economy particularly in terms of monetary policy, this is why federal government has continuously encouraged banks to expend their services and facilities not only to the urban cities but also rural areas.

 

1.1     AIMS AND OBJECTIVES

This research work is aimed at investigating the impact the rural banking services, commercial banks have on the productivity of small and medium agricultural farmers and the entire economic activities of the rural areas.  This project work also aimed at acquainting ourselves with the benefit of rural banking services in terms of mobilizing and organizing present farmers into efficient and active co-operative groups, small and medium scale farmers and integrated rural communities.

The objective of this research is to evaluate how effective credit allocation among productive activities the rural areas have been realized.

Finally, the aim of the project work is to suggest policy measures to government in improving rural banking so as to have the desired development impact on the rural areas in Nigeria.

 

  • STATEMENT OF RESEARCH PROBLEMS:


The commercial bank is a profit making organization.  There is a great fear in establishing in rural areas where it cannot maximize profit.  Rural banking has been seen as indispensable if the nation is to develop its rural areas.  The development of one rural area may not be a reality if services of commercial banks are not at the reach of our rural dwellers.

The problem therefore is how to resolve the profit motive of the rural commercial banks

 

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THE NATURE AND CONSEQUENCES OF JUVENILE DELINQUENCY IN NIGERIA: A STUDY OF ENUGU NORTH LGA, ENUGU STATE
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