THE ROLE OF NARDB IN THE FINANCING OF AGRICULTURAL CO-OPERATIVES SOCIETY IN NIGERIA

(A CASE STUDY OF NARDB ENUGU)

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Chapter one introduction

Banks are financial house with the authority to guide groups and individuals who could be having monetary transactions to do. The provision of sound financial regulation that makes the economic well-being is very essential and the resistance of a financial house in building up a tiara of monetary reserve is very important.

In agricultural co-operative society, where individual who hold the agricultural stock will pull their resource together when the union of the stock holders could amount to a greater gain to the advancement of their individual well being and collective aspiration. The expertise of banks posted to assisted piece group of material come with a great relief. Government has a whole work of load to carry out.

 

Financially of otherwise and so have not much time supervise the minor economic units. She has assigned some duties to her agencies. The bound of agriculture is becoming so highly mobilized so that it will take a lot of money to produce food and cash crop in much profitable abundance. Bank in any nation has a keynote to play in unfolding the financial success in the economy.

 

BACKGROUND OF THE STUDY

Agricultural cooperative society is a venture by some farmers who holds agricultural stock and is seeking to uplift their collective and individual agricultural standard

In the agricultural cooperative society, where many individuals pull resources together, the level of individual maturity and capacity of their productivity is not to be recon with. The prime focus of the study is found out how a bank has been able to finance agricultural productivity. In other to accomplish this study, NACRDB has been selected as a case organization.

This objective include efficient and effective credit administration with the target beneficiaries been the rural poor.

 

STATEMENT OF PROBLEM

What are the causes of this low productivity in agricultural cooperatives? What can be done to remedy the situation? To make recommendation as to how bank can increase his effectiveness towards agricultural productivity?

 

Continue reading THE ROLE OF NARDB IN THE FINANCING OF AGRICULTURAL CO-OPERATIVES SOCIETY IN NIGERIA →

REDUCING UNEMPLOYMENT THROUGH CO-OPERATIVE  MOVEMENT(A CASE STUDY OF ENUGU NORTH L.G.A) 2000 – 2004

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ABSTRACT

 

The study was conducted to examine how unemployment has been reduced through cooperative movement in Enugu North Local Government  Area, from the year 2000 – 2004.

 

In the course of this investigation, research objective and hypothesis were formulated.  Both primary and secondary data were collected, and data were then presented in a tabular form.

 

Based on the above,   the findings on the topic is as follows:

 

Staff/employee of the sampled cooperative are averagely qualified for their various jobs and they are given opportunities for further training by the cooperative societies.

 

Employee of the sampled cooperative are averagely paid with some necessary allowances.

 

Co-operative societies absorbs about 35% of school leavers yearly.

 

There is a continuous education both to the members and the whole public.

 

The researcher’s recommendations includes these:

Government should make it compulsory for every establishment to have its own cooperative.

Government should set up more cooperative banks to give loans to individuals and groups that are prospecting to establish cooperative.

 

In conclusion the researcher deemed it necessary that every hand must be on desk to encourage the establishment of cooperative enterprises, since it is now obvious  that the only option left for us is to adopt the socio- economic model of mutual self help.

 

 

 

 

 

 

 

TABLE OF CONTENTS

CHAPTER ONE

• INTRODUCTION

1.1    BACKGROUND OF THE STUDY

• STAZTEMENT OF THE PROBLEM
• OBJECTIVE OF THE STUDY
• SIGNIFICANCE OF THE STUDY
• RESEARCH QUESTIONS
• SCOPE AND LIMITATIONS OF THTE STUDY

 

 

 

CHAPTER TWO

2.0    LITERATURE REVIEW

• DEFIINITION OF UNEMPLOYMENT
• TYPES OF UNEMPLOYMENT
• CAUSES OF UNEMPLOYMENT
• PROJECTS CO-OPERATIVE CAN INVOLVE IN
• BENEFITS OF CO-OPERATIVE SOCIETY

 

CHAPTER THREE

• RESEARCH DESIGN AND METHODOLOGY
  • SOURCES OF DATA
  • PRIMARY SOURCES
  • SECONDARY SOURCES
  • POPULATION OF STUDY
  • DETERMINATION OF SAMPLE SIZE
  • METHOD OF DATA ANALYSIS

 

CHAPTER FOUR

• PRESENTATION AND ANALYSIS OF DATA

 

CHAPTER FIVE

• SUMMARY OF FINDINGS, RECOMMENDATIONS AND

CONCLUSION.

• SUMMARY OF FINDINGS
• RECOMMENDAITON
• CONCLUSION

 

BIBLIOGRAPHY

APPENDIX.

 

 

 

 

 

 

 

 

 

 

 

CHAPTER ONE

 

1.0      INTRODUCTION

1.1      BACKGROUND OF THE STUDY

 

Co-operative is a basis for overall transformation of citizenry social and economic problems.

 

According to Berko (1987 :29), co-operative society is a voluntary and democratic association of persons, with variable membership and variable capital whose members pooled themselves and their resources together on mutual and self help basis to form a business enterprise which seeks to solve the socio-economic problem(s) of these members by directly providing goods and services to them in their capacity as either the owner/customer or owner – employees of the cooperative enterprise.

 

According to Amahalu  (2005 :2), cooperative is defined as an association usually incorporated with economic aims, formed by or for persons or co operations, having common needs, approximately equal voice in management, making approximately  equal or proportional contributions to capital, deriving proportionate services and benefits from it.

 

Co-operative in order to promote the welfare of their members involve themselves in most tangible projects like building of houses, building of schools, building of hospitals, building of recreation centers, markets and building of industries.  Co-operative serves as a hold to company and local development agency; it also seek to provide a community owned structure.

 

 

• STATEMENT OF PROBLEMS

 

Today, there is vast unemployment in Nigeria and Enugu North in particular.  After many years of democracy there are graduates of 15 (fifteen) years standing, that room the street in search of white-collar jobs that don’t exist.  Unemployment is still on the increased irrespective of federal government budget to curb the scourge.  In the year 2000 the Federal government budgeted N10 billion and N20 billion  in 2001 to deal with unemployment yet, unemployment increases on daily basis.  Both the state and federal governments are lunching out a lot of programmes, on small scale business enterprise, yet unemployment is increasing.

 

However, the fact remain that  no country can succeed in

 

 

A CRITICAL ASSESSMENT OF THE IMPORTANCE OF STUDYING CO-OPERATIVE LAWS  AND RULES AS A QUALIFYING COURSE FOR THE AWARD OF THE ORDINARY NATIONAL DIPLOMA IN CO-OPERATIVE ECONOMICS AND MANAGEMENT.

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Account Name : Chi E-Concept Int’l
ACCOUNT NUMBER:  0115939447

First Bank:
Account Name: Chi E-Concept Int’l
Account Name: 3059320631

ATM CARD:  ATM OR ONLINE TRANSFER. 

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PAY ONLINE USING YOUR ATM CARD. IT IS SECURED AND RELIABLE.

form>DELIVERY PERIOD FOR BANK PAYMENT IS  LESS THAN 2 HOURS

Call Help Desk On   :  08074466939,08063386834.

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08074466939 or 08063386834, YOUR PROJECT TITLE  YOU WANT US TO SEND TO YOU, AMOUNT PAID, DEPOSITOR NAME, UR EMAIL ADDRESS,PAYMENT DATE. YOU WILL RECEIVE YOUR MATERIAL IN LESS THAN 2 HOURS ONCE WILL CONFIRM YOUR PAYMENT.

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ABSTRACT

 

This research is channeled towards studying critically the origin, reasons, importance and the problems affecting the co-operative laws and rules.  It specifically dealt with different sections of the co-operative laws and rules and their importance or otherwise the growth of the co-operative.

 

This law is passed to convey government recognition of co-operative societies as a desirable  way of doing business for Nigerians in general, but more particularly those with a felt need.

 

Its prime objective is to provide self-help efforts to the people in the social, cultural and economic fields.

Government appreciates the role of International Co-operative Alliance (I C A),  however, in identifying and enunciating the principles by which co-

 

operative in the whole world can best achieve their goals and retain their peculiar co-operative circle.  This law is intended to translate those principles into legal norms and give them legal enforcement.

 

Government, therefore wishes to use the co-operative Act to according to legal recognition to co-operative and promote and exist them to operate successfully.

 

All the sections in this project is collected from Eastern Nigeria Co-operative Societies Decree 1993.

 

TABLE OF CONTENTS

 

CHAPTER ONE

1.0     INTRODUCTION

• OBJECTIVE OF THE STUDY
• SIGNIFICANCE OF STUDY

1.3   PURPOSE OF STUDY

1.4   LIMITATION AND SCOPE OF STUDY

1.5   DEFINITION  OF TERMS

 

CHAPTER TWO

• CO-OPERATIVE LAW
• HOW CO-OPERATIVE LAW LIMITS ITS GROWTH
• CO-OPERATIVE LAW AND THE COURTS
• MEMBERS OF CO-OPERATIVE AND ITS LAW
• CONTENTS OF CO-OPERATIVE LAW
• EASTERN NIGERIA CO-OPERATIVE LAW OF 1963.

 

CHAPTER THREE

• CONTENTS OF THE CO-OPERATIVE RULES
• OBSERVATION OF 1993 DECREE

 

CHAPTER FOUR

• CO-OPERATIVE MEMBERSHIP
• DUTIES OF A MEMBER
• THE POWERS AND DUTIES OF A CO-OPERATIVE REGISTRAR/DIRECTOR.
• REPLACEMENT OF ENTIRE COMMITTEE.

 

CHAPTER FIVE

• SUMMARY OF FINDINGS
• RECOMMENDATION
• CONCLUSION
• REFERENCE
• BIOGRAPHY

 

CHAPTER ONE

 

• INTRODUCTION

 

BACKGROUND OF THE STUDY

Co-operative law are those legislative enactment aimed at regulating and directing the activities of Co-operative Societies.  It guides the ruling, formation of co-operative enterprises, so that it enables their activities to be stable, effective and efficient for the successful operation of a given co-operative society.

 

The Co-operative originated in Nigeria in 1935 under the NO. 39 Ordinance, while the rules follows in 1936.  Both applied the rules follows in 1936.  Both  applied to the whole locating, then colony and protectorate of Nigeria.  In 1952, the country was divided into 3 regions, North, West and East and co-operative was made a regular subject.  Each adapted the 1935 ordinance with necessary amendments.  In August, 1977, the then Federal Commissioner for Co-operative and Supply, Alhaji U.A Mutallh, set up a panel  to review and unite the Nigeria co-operative society laws and rules with J.T Catlow Idowu as chairman.

 

It was General J.B Babangida at the face end of Military rule, decided to sign the draft into a decree, the Nigerian Co-operative Societies Decree No. 90 of 1993.  Being a federal law which superseded all other laws of co-

 

Continue reading A CRITICAL ASSESSMENT OF THE IMPORTANCE OF STUDYING CO-OPERATIVE LAWS AND RULES AS A QUALIFYING COURSE FOR THE AWARD OF THE ORDINARY NATIONAL DIPLOMA IN CO-OPERATIVE ECONOMICS AND MANAGEMENT. →

Co-operative Development and Government” with special reference on the co-operative societies in Oji River L.G.A.

 

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CHAPTER ONE

 

1.0     INTRODUCTION:

The major attraction of co-operative organization especially in the developing area is – it’s potentials for social change and improvement in the standard of living of people or well being of the populace for example many government has devoted numerous resources for the encouragement and improvement of co-operative societies in rural and urban area to eliminate/ eradicate poverty among the average citizen of the country.

Sometimes, the government involvement is observed to the extent of thrift of co-operators from self-reliance of the organization, instead of depending on government.  Consequently, the objective of the movement bring change in the economic development which Oji River Local Government cannot afford to ignore than to become one of them.  The members of the movement were benefiting through the provision of the services, the instrument of social change and transformation which will benefit the entire populace.  Thus, the co-operative society has the ability or responsibility over social economic development of the entire economy.

Notwithstanding, if such potentials are properly harnessed, the impact of this association will contribute immensely to the economic development of Oji River Local Government Area and as well as co-operative development of the area, this is the major focus of this research.

 

1.1     BACKGROUND OF THE STUDY:

The study on this regard “Co-operative Development and Government in Oji River Local Government” with the range of 1999 – 2004.  In the course of this study, the author Michael Kenechukwu is trying to review the excess, other words, the effect and contribution of government to co-operative of the area, Oji River divisional co-operative council.

All things being equal, co-operative is as old as time immemorial to the extent that in all engagement of human being in the world co-operative exist, think of families you cannot have an organized family without co-operation among themselves, war cannot be fought without co-operation among the group; therefore, co-operative exist either informal or informal or formal organizations.  But modern co-operative societies started in the year 1844 in Great Britain, England by Rochdale Equitable Pioneers after the pitfall of the earlier/pre-Rochdales in 1830’s co-operative societies as a result of negative effect of their practices and industrial revolution which rendered many people jobless because machines were introduced to replace human labour such as farmland were bought only by the rich and noblemen therefore, only the rich people could afford farming practices especially on a large scale.  There was the room for subsistence farmer.

 

 

The prevailing unemployment led to widespread of poverty and destitution of common man in the society, had no house to live and had no cloth to wear because everything was owned by the capitalist.  The suffering was terrible that people had to move from place to place, jumping from one job to another, from one trade to another before they could feed their family.  However, the rich were becoming richer while the poor becoming poorer.  The bad maltreatment of the masses by the capitalist lead to intervention of people that matters a lot as far as co-operative is concerned known as Robert Owen and Dr. Williams King and Rochdale Equitable Pioneers in 1844.  They are the father of modern co-operative societies as well as the touch bearer of co-operative which passes the touch of co-operative from one generation to another, their mission in co-operative was to eliminate/reduce corrupt practices and suffering of the masses in their untold condition, nevertheless, the co-operative development in Oji River divisional co-operative council started in the year 1976 when co-operative ministry implement their policy of taking over the formal eastern Nigeria co-operative training institution, Enugu, which still remain Federal Co-operative College located at Awgu now re-located at Oji River Local Government Area, Enugu State.  But before the above mentioned institution for co-operative, there are many traditional societies in their communities, towns, which had no legal backing or legal recognition.

 

 

These societies include viz:

• Egbebele Ugo Women Organisation
• Onyemalu Nwanne ya Organization
• Oga-adimma Organization
• Oganiru Age Grade Organisation

Most of these organizations mentioned above fold-up because they have no legal recognition.  Notwithstanding, following the establishment of the three (3) Federal Co-operative Colleges in Nigeria located as follows:

(a)      Federal Co-operative College, Ibadan

(b)     Federal Co-operative College, Kaduna

(c)      Federal Co-operative College, Oji River, Enugu State, the aim of these established institutions by the Federal Government in collaboration with ministry of co-operative is to produce position co-operative experts/co-operative extension officers that will help in disseminating information on co-operative matters, moreso, impacting co-operative ideologies, principles, practices, culture and norms in all nooks and corners of the rural areas.  The idea of this sector brought about full knowledge of co-operative societies in Oji River L.G.A..  They started with six (6) autonomous communities in that area stated as follows:

 

 

1. Oganiru Achi Farmer Multi-purpose Co-operative Society (OAFMCS) Limited.
2. Akpugoeze Farmer Multipurpose Co-operative Society (A.F.M.C.S.) Ltd.
3. Igwebuike Farmers Multi-purpose Co-operative Society (IFMCS) Ltd, Inyi.

4.       Ugwu…

 

Continue reading Co-operative Development and Government →

THE IMPORTANCE OF STUDYING CO-OPERATIVE ECONOMICS AND  MANAGEMENT IN INSTITUTIONS.

COMPLETE PROJECT  MATERIAL COST 3000 NAIRA

 

Note: our case study can be change to suit your desire location . we are here for your success.

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Account Name : Chi E-Concept Int’l
ACCOUNT NUMBER:  0115939447

First Bank:
Account Name: Chi E-Concept Int’l
Account Name: 3059320631

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PAY ONLINE USING YOUR ATM CARD. IT IS SECURED AND RELIABLE.

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INTRODUCTION

 

Co-operative Economics and Management in tertiary institutions help to improve the co-operative growth and development, quality manpower in co-operative.

The importance of studying co-operative in schools and tertiary institutions could as well known as co-operative education and is at the heart of co-operative for work motivation, growth, development, commitments in co-operative because is said that once a co-operative is always a co-operative.

 

Despite these, many co-operatives have failed in their respective institutions or organizations because their members indispensitions to the cooperative education or without organizing the importance of cooperative education to members.  Cooperative education is an indisputable part of cooperative function.

Therefore, I now wish to research for the importance of studying Co-operative Economics and Management in tertiary institutions, the strategics and to suggest few solutions out off the million solutions to the failure of cooperative practices in the institutions or organizations.

I have chosen institute of management and technology (IMT) Enugu as my case study.

Furthermore, why education is necessary co-operative.  Through the one hundred and 40 years of co-operative history, eminent cooperators have always insisted on the importance of education to the cooperative movement.  Robert Owen emphasized, education for citizenship to achievement of a just and moral society.

 

Rochdale Pioneer followed in his footships.  They studied and held discussion for one year before founding their society.  In 1884 they amended their statute to provide that 2^1/2%  of their profit should be aside for educational purposes because human resources is very essential to cooperative movement.

 

TABLE OF CONTENT

 

 

CHAPTER ONE

• Introduction

1.1   Background of the study

• Statement of the problem
• Significance of the study
• Scope and limitations of the study
• Definition of the terms

 

CHAPTER TWO

• Review of related literature
  • Definition and meaning of Co-operative economics and Management.
  • Incorporation of cooperative studies in IMT.
  • Requirement of entry
  • Objective and structure of the cooperative programme.
  • Curriculum for the national Diploma in business studies.
  • Job opportunities for the CEM students and graduates
  • Co-operative education and training

CHAPTER THREE

• Research Design and Methodology

3.1   Sources of Data

• Method of investigation
• Method of data analysis
• The validity of investigation
• The research question
• The sample size and research question analysis

 

CHAPTER FOUR

• The Summary of finding, Conclusion and Recommendations

4.1    Findings

• Recommendations

 

CHAPTER FIVE

• Conclusion

 

CHAPTER ONE

 

• INTRODUCTION

Prior to the establishment of institute of management and technology Enugu, there existed till 1967 a college of technology up to the ordinary diploma level.  An institution of administration which provide short in services training courses for civil servants of various grades and a cooperative college which offered a certificate course in cooperative studies to co-operative aspects from the ministry of industry, trade and cooperative.

 

These institutions were separated and separately located.  The college of technology was parts of the ministry of education and was controlled, directed by the ministry.

Similarly, the institution of administration was controlled by the ministry of establishment, while the cooperative college was directly under the ministry of rural development.

 

These institutions were staff by civil servants who were posted and re-posted from one department to another according to the need of civil service.

 

And after 1970, there came the need for higher institution of learning to upgrade the training in the technological and managerial field in which there were several need for manpower development.

The future graduates in the technology and management and their allied field would be more effective by functional training than the programme they offered by the college of technology and to institute of administrations.  To the founding father, their main aim was the maximization of management efficiency and of professional and technical expertise and the acquisition of the additional tool for these.

 

 

 

The close coupling of management and technology in the new objectives was needless and not fruitful.  The management and technology of today needs training, education, for effective and efficiency satisfaction and fulfillment of itself and role in the world in which applied science entrails more and more problems of both moral and ecological significance.  It can no longer afford to be the narrow minded profession concerned with only machine and structure.   It must be inculcate with the understanding of the relationship with social setting of its position within the industrial environment.

 

 

The personnel must work with other people and therefore must be acquainted with basis of personnel and labour matters.  It was as a result of these that the idea of an autonomous IMT was conceived.

 

In pursuance of these, the executive council of the state agreed to merge the former college of technology and the institute of administration and upgrade their function in 1971.  both the institute and college of technology serve under the unified control of the cabinet office on 1^st April, 1972.

 

In October of the same year a provisional council for the proposed new institute was appointed by the administration of the East central state, the council was charged with the responsibility of determining and recommending to government the appropriate structure of an autonomous institution that would produce high quality technologist and technicians.  The council persuaded this task with vigour and determination and in early April 1973, it submitted its findings.

 

On 31^st May 1973, an Edict No. 10 titled “The institution of management and technology Edict 1973” was promulgated.  The Edict took effect from 1^st July 1973 and  thus gave birth to institute of management and technology while its first chairman was DR. UKWU.

 

In October, the institute opened its doors to students admitting 550 students in addition to 300 second year students of 850 students.  At the time of opening, there were only 20 senior staff including the Rector, Registrar, Academic staff and four Administrative staff.  The institute started with eleven department grouped into three divisions.  The first ever convocation of the institute was held on 16^th of October 1976 and about 900 graduates received Diploma and higher Diploma.

 

• HISTORICAL BACKGROUND OF THE STUDY

The Department of Co-operative Studies was established as a separate department in the institute of management and technology, Enugu in January 1978. Before then, cooperative studies was but one of a number of academic programmes within the department of business management and public administration, which had either programmes like Accounting, marketing, etc and was first headed by Dr. S. Umoh.

 

In fact, IMT was the first institute of higher learning in Nigeria to start a programme in cooperative studies.  For many years, it had only one full time lecturer Dr. Enyereibe Onuoha who after a P.HD in sociology from Rome, did his cooperative studies in Canada.

He taught all the cooperative courses in the department except those requiring practical field experience, which he handed over to part time lecturers from as a one year in service programme for newly appointed junior staff of the cooperative department of the ministry of commerce and industry.

After the Nigeria civil was in  1970, the military administration of the Eastern state closed down the cooperative college at Awgu and transferred its duties to institution.

 

In 1975, the certificate programme in cooperative was upgraded  to a two year diploma programme and was no longer targeted on in-service trainees from the ministry but on secondary school leavers processing the minimum institute requirement entry.  The department requirement at this time was four cr…

 

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