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

CHAPTER ONE
INTRODUCTION
1.1 Problem Identification and Purpose of Study
1.2 Rationale of the Study
1.3 Significance of the Study
1.4 Background of the Study
1.5 Definition 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

CHAPTER ONE

INTRODUCTION
1.1 PROBLEM IDENTIFICATION AND PURPOSE OF THE STUDY
The community bank is a financial institution established to carter to the savings and credit needs of small – scale producers throughout the country. Thus, the institution represents the coalescence and modernization of traditional institutions with which most Nigerians are very familiar with, the rotating savings and credit institutions known as “isusu” and the other town union or community development association.
It was clear that inspite of government policy such as the agricultural credit quarantee scheme, conventional commercial banks and even development banking institutions face serious constraints in attending to the credit needs of millions of small producers in which most of whom have no collateral to put down on security.
The purpose of the study in this research includes:
a. To evaluate the role of Ogui Community Bank in rural development.
b. To investigate the problems facing the community banking system with special emphasis on community bank.
c. To make recommendations for the improvement of community banking system represented by Ogui Community Bank.

1.2 RATIONALE OF THE STUDY
The rationale of the study is aimed at helping researchers to evaluate the role of Ogui Community Bank in rural development.
Thus, they enlighten the community on the effective use of credit and other banking services so as to enhance individual, collective and community production and development. It will help them perform non – banking