RURAL AGRICULTURAL FINANCING AND POVERTY ALLEVIATION: A CASE STUDY OF HABIB NIGERIA BANK LTD
ABSTRACT
Rural finance/credit has been a prime component of bank lending operations since ils
inception. Providing affordable credit lo the rural sector was considered warranted on
both growth and equipment considerations. Governments have been promoting and
con inuously supporting supply led rural finance institutions as device to neutralize or
instigate distorted “Urban biased” macro-economic policies that adversely affected the
rural sector. In many instances, however, these programme fell short of achieving their
objectives as they reached only a small part of the rural population.
This research work analyzed the ways and manner farmers in developing countries,
Nigeria in particular have been coping very widely but capital wise, they have been
relying more on informal sources of credit. Therefore, findings in this research revealed
that the Commercial Banks functions of mobilizing funds from the surplus units to
finance agriculture can be sustained with beneficial effect on the farmer if the method
of disbursement is line-tuned to take care of collateralization, being one of the major
hindrance of effective agric finance as the peasant farmers has barely nothing tangible
to offer as collateral. The implementation of this will assist farmers lo get assess to
credit therefore, increasing production and alleviate the suffering of the farmers and
poverty. It was the recommendation of this research that government institutionalized
and entrenched rural finance by all Commercial Banks who should introduce a desired
method for channeling this funds to farmers and the farmers in turn should sell their
products through co-operatives movements that will finally pay back to the Banks.
TABLE OF CONTENT
Title page- – – – – – – – – i
Approval page – – – – – – – -ii
Dedication – – – – – – – – -iii
Acknowledgement – – – – – – – -iv
Abstract – – – – – – – – – -v
Table of content – – – – – – – -vi
CHAPTER ONE
INTRODUCTION – – – – – – – -1
1.0 Background of the study – – – – -1
1.1 Statement of the problem – – – – -5
1.2 Purpose of the study – – – – – -6
1.3 Significance of the study – – – – -8
1.4 Research questions – – – – – -9
1.5 Scope of the study – – – – – – -10
CHAPTER TWO
LITERATURE REVIEW – – – – – – -11
CHAPTER THREE
Research methodology – – – – – – -39
Design of study – – – – – – – -40
CHAPTER FOUR
Presentation, analysis and interpretation of data – -48
CHAPTER FIVE
Summary of findings – – – – – – -60
Conclusion – – – – – – – – -61
Recommendations – – – – – – – -62
Suggestions for further research – – – – -64
References – – – – – – – – -65
Appendix I – – – – — – – – -68
Questionnaire. – – – – – – – -69
RURAL AGRICULTURAL FINANCING AND POVERTY ALLEVIATION: A CASE STUDY OF HABIB NIGERIA BANK LTD
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