AN APPRAISAL OF THE ROLE OF CASH DEPOSIT BANKS IN AGRICULTURAL DEVELOPMENT (A CASE STUDY OF KEYSTONE BANK KADUNA BRANCH)

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ABSTRACT

The subject of this study is An appraisal of the role of cash deposit banks in Agricultural development the purpose of the study is to review and evaluate the performance of bank PHB particular reference to its function and roles as it relates to the agricultural sector of the Nigerian economy. References were made to preview researchers by various authors, views are thoroughly examined comments are made where necessary. In collection of data various methods were asked such as questionnaire journals, magazine etc the data collection from the agricultural customers of Bank PHB, the management of the bank was analyzed in order to access relation to the problems. This work is designed to solve Agricultural development and training in Nigeria suffered series of neglect since the discovery of oil in Nigeria. Various efforts both by the military and civilian regimes to bring it back to it pre-oil period have not met with adequate result.
TABLE OF CONTENTS

Title page – – – – – – – – – i
Approval – – – – – – – – – ii
Declaration – – – – – – – – – iii
Dedication – – – – – – – – – iv
Acknowledgement – – – – – – – – v
Abstract – – – – – – – – – – vi
Table of content – – – – – – – – – vii
CHAPTER ONE
1.1 Backgrounds to the study – – – – – – – 1
1.2 Statements of the problems – – – – – – – 2
1.3 Objective of the study – – – – – – – – 3
1.4 Research hypothesis – – – – – – – – 4
1.5 Significant of the study – – – – – – – 4
1.6 Scope of the study – – – – – – – – 5
1.7 Historical background of the case study – – – – – – 6
1,8 Definition of terms – – – – – – – – 7

CHAPTER TWO: Literature review
2.1 Introduction – – – – – – – – – 9
2.2 Brief history of commercial banking in Nigeria – – – – – 10
2.3 Banking decree of 1967 – – – – – – – 11
2.4 Brief history of commercial banking in relation to agricultural development – – – 11
2.5 Brief history of key stone bank – – – – – – – 12
2.6 Problems encountered by commercial bank in relations to agricultural development- – 14
2.7 Roles of commercial banks in agricultural financing in Nigeria – – – – 16
2.8 Analysis of loan and advances to the agricultural sector by key stone bank- – – 17
2.9 Conclusion – – – – – – – – – – 20
CHAPTER THREE
Research methodology
3.1 Introduction – – – – – – – – – 21
3.2 Area if the study – – – – – – – – 22
3.3 Population and sample size – – – – – – – 23
3.4 Sampling techniques – – – – – – – – 24
3.5 Sources and methods if data collection- – – – – – – 24
3.6 Justification for the choice – – – – – – – 26

CHAPTER FOUR
Data presentation and analysis
4.0 Introduction – – – – – – – – – 27
4.1 Data presentation – – – – – – – – 27
4.2 Data presentation and interpretation – – – – – – 28
4.3 Testing of hypothesis – – – – – – – – 34
4.4 summary of findings – – – – – – – – 37
CHAPTER FIVE
Summary Conclusion and Recommendation
5.0 Introduction – – – – – – – – – 38
5.1 Summary – – – – – – – – – 38
5.2 Conclusion – – – – – – – – – 39
5.3 Limitation of the study – – – – – – – – 40
5.4 Limitation of the study – – – – – – – – 42
5.4 Recommendation – – – – – – – – – 53
Bibliography- – – – – – – – – – 45
Appendix – – – – – – – – – 465

CHAPTER ONE
1.1 BACKGROUND OF THE STUDY
There is no doubt among observers that Nigeria as a country is rich in humans and mineral resources (most of which still remain untapped) having an estimate population of about 140 million people. Prior to the advent of the oil boom in 1973/1974 agriculture was the main source if revenue generation of the country’s economy, for example the famous land groundnut pyramids, cotton processing machines both in the northern part and cocoa in the southern part of Nigeria. Infact history will go down to let us know the basic fact that during this era Nigeria was resident in product and as the main source of internal trade, Nigeria use to export the surplus to other desirous nations of the world, it was through this sources that Nigeria was able to finance the cost of oil extract with the advent of oil the oil sector eventually emerged as nations main foreign exchange earners amounting to over 90% of other country’s foreign exchange and about 89% of the total revenue to the government. Realizing this dangerous phenomena, the government under took intensive campaign in order to enlighten the citizen, the importance of self reliance especially in food production, local musicians chiefs and emirs were not left behind, hence the introduction of festivals at the end of the deserving farmers.
1.2 STATEMENT OF THE PROBLEMS
Agricultural development and financing In Nigeria suffered severe neglect since the discovery of oil in Nigeria, various effort by both the military and civilian regime to being it to its pre oil period have not meet with adequate results the problem of agricultural was compounded as a result of farmer lacking adequate and easy access to credit facilities to help in the development and financing of the agricultural sector of the economy.

1. Farmer do not have collateral to accept the loan with which to be granted by the bank, these stand as an obstacle obstructing the ability of the farmer to get the loan from bank.
2. Government have no support to the farmer on the need to produce cash crops production that will help boost this sector of the economy.
3. Most farmers in Nigeria have not really knowledge about modern agriculture that would enable them have much out put from the farms.
4. Farmers find it very difficult to comply with the demand of the bank due to the high rate of interest on the loan granted to them.