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THE EFFECT OF GRATIFICATION ON THE PRACTICE OF JOURNALISM

THE EFFECT OF GRATIFICATION ON THE PRACTICE OF JOURNALISM (A CASE STUDY OF (ESBS) ENUGU)

                                     ABSTRACT

The   pace of social development every where seems   to be quickened by the important roles the mass communication play in our society. Unfortunately effect of gratification on the practice of journalism is on   the increase and it has now posed seriously concern to enlightened Nigerian.

The   study is aimed to find out why   journalists demand   gratification and if the practice influences the selections of news to be aired.

A   survey was employed in the study responses were coded in percent tages and presented in tables. The result of the study the study shows the lack of financial stability is the major reason why journalists demand and accept gratification.

CHAPTER ONE

INTRODUCTION

  • Background of the study

In this dynamic and challenging society of ours, the role of Nigerian mass media is too many to mention. Journalism practice has performed enormous and crucial roles   for meaningful rural and national development.   The Nigerian media serve as a pivolt upon which socio-economic   political and cultutural   activities revolve. It is on   this basis is   that many succession government in Nigeria depend largely on the support of the media in propagating their polices and programmer   to   the people.

This rise in the mass media and mass communication as journalism practice has been stimulated in   various science. The reason for   this     can be explained by the simple realization that people are curious beings. Their in qursitive mind always seals   to comprehend and interpret the world around them and the occurrence therein. Above all, people are social   beings; they are communicating creatures Umechukwu (20000).

The development of popular newspapers and periodicals broadcasting   has led to institutional and cultural innovations, this permitting efficient and rapid communication between a few individuals and large populations, these various   media of communication have been responsible for the rise in the social empowerment of citizen of modern societies. Additionally, the media have shifted though generally, from the traditional roles to more vocationally relevant objectives, which   embrace the promotion of people’s interest in society in all sphere of life.

Hoggert (1957) endorses the above view when he observes that, over the years, mass media have become an important force in society not only as a means for the expression of ideas also as a social force to be reckoned with and a vehicle for mobilization.

Geibner (1990) is right when he says that the mass media provide the broadest common currencies of public interaction in a society”.

Therefore, communication endenced   through the mass media becomes one of   the important and basic social processes in any society. This is simply so because people, as social being, must communicate and by so doing, establish credibility and enhance their enhance for survival. Hence mass     communication performs a number of vital functions such as: information, education, agenda setting, watch dog, cultural promotion, integration cultural promotion etc, without which society would be in chaos and in the     dark.

In British playwriting, Tom slippardsplay, Night and Day, set in post colonial Africa a world weary press photographer has this to say. “I have been around a lot of places people do awful things to each other. But it’s worse in places where everybody is kept in the dark. Information is light.”   By providing information for the people, the mass media, according to lass well (1948) summarized do the duty of keeping. Surveillance on society, correlate the environment and transit social her tage from one generation to the other, and entertain the public.

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IMPACTS OF THE ELECTRONIC MEDIA IN ECONOMIC DEVELOPMENT OF NIGERIAN

IMPACTS OF THE ELECTRONIC MEDIA IN ECONOMIC DEVELOPMENT OF NIGERIAN (A CASE STUDY OF FEDERAL RADIO CO-OPERATION NIGERIA)

CHAPTER ONE

1.0   INTRODUCTION

  • Background of the study
  • Statement of the problems
  • Objectives of the study
  • Significance of study
  • Delimitation
  • Limitation
  • Research question
  • Research hypothesis

References

CHAPTER TWO

2.0   REVIEW OF RELATED LITERATURE

CHAPTER THREE

3.0   RESEARCH METHODOLOGY

3.1   Research method

3.2   research design

3.3   measuring instrument

3.4   research sample

CHAPTER FOUR

4.0   DATA ANALYSIS AND RESULT

4.1   data analysis

4.2   results

CHAPTER FIVE

5.0   SUMMARY OF FINDINGS, CONCLUSION AND RECOMMENDATION

5.1   summary of findings

52    conclusion

5.3   recommeendation

Bibliography

CHAPTER ONE

1.0   INTRODUCTION

1.1   BACKGROUND OF THE STUDY

In this study, the electronic media which comprise of video and television is the major focus and its impact towards the economic development of Nigeria.

In our world of today, the use of the electronic media (radio and television) is very dominant because of its efficiency in performing its duties to the society.

It is used to transmit information, ideas, options, attitude from people to people and society fo society. It is clear that communication have been made successful through the various programmes offered through the mass media / electronic media thereby enhancing awareness that will promote economic, political and social development in a society.

Programmes such as news, drama, interview, religious programems, commentary etc that are aired through the electronic media are aimed at promoting economic development in a society. Radio is a potential means of information dissemination across wide range of audience starting from the nineteenth century with respect to Nigeria as a nation.

The federal radio corporation of Nigeria, Enugu (FRCN) uphold the responsibility of educating, informing, entertaining, persuading, advertising and mobilizing of the people support towards the economic political and social development of Enugu state.

The broadcasting medium federal radio corporation of Nigeria, Enugu (FRCN) which is the case study of their project operates on only Amplitude modulation (AM) and frequency modulation (FM) which decide the range of events in which will be broadcast to the general public from different techniques of broadcasting.

The station strives well to ensure that all the needed information, ideas and opinion that will impact positively on the economic development of a country will be transmitted to the people of Enugu state specifically.

Some of there programmes focuses on political, economical, social, cultural, education, and religious issues which all impact on the background of people knowledge thereby influencing their view of issues concerning economic development of their society.

The federal radio corporation of Nigeria, Enugu undertake advertisement programmes, sponsored programmes, public announcement programmes and promotion of products and services programs which are all geared toward building the economic disposal of the country.

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WESTERN TELEVISION PROGRAMMES ON THE CULTURAL VALUES OF THE NIGERIAN YOUTHS

THE IMPACT  OF WESTERN TELEVISION PROGRAMMES ON THE CULTURAL VALUES OF THE NIGERIAN YOUTHS: A CASE STUDY OF ESUT STUDENTS, ENUGU. 

TABLE OF CONTENTS

CHAPTER ONE INTRODUCTION

The Roots                                                                                                        1

Maintaining the edge                                                                            4

Television in Nigeria                                                                            10

Background of the  study                                                  13

Statement of the research problem                                                 16

Objectives of the study                                                      17

Significance of the study                                                   18

Research questions                                                                        20

Research hypothesis                                                                      21

Conceptual and operational definition                               22

Assumption                                                                                   24

Limitations of the study                                                     25

CHAPTER TWO

REVIEW OF THE LITERATURE

2.1              Sources of literature                                                                 27

2.2              The Review                                                                                         28

2.3              Summary of literature Review                                                             32

CHAPTER THREE

METHODOLOGY

3.1              Research method                                                                                 47

3.2              Research Design                                                                                  48

3.3              Measuring instrument                                                              48

3.4              Data collection                                                                                     49

3.5              Data Analysis                                                                          50

3.6              Expected Result                                                                                   51

CHAPTER FOUR

4.1              Data analysis                                                                           54

4.2              Results                                                                                                 65

4.3              Discussions                                                                                          71

CHAPTER FIVE

SUMMARY AND RECOMMENDATION

5.1              Summary                                                                                             79

5.2              Recommendation for further study                                          80

Bibliography                                                                                        89

CHAPTER ONE

INTRODUCTION

THE ROOTS

Why are we what we are? Third world!

There are two broad competiting paradigms or models of theoretical understanding that seek to explain why some countries are poor and other are wealthy, why some are “first world” and others” Third world”.  These broad competiting paradigms are theory of “modernization” and the theory of “imperialism”.  Each paradigms has its own “clue concepts” or key explanatory categories” (Hagen 1962).

For modernist theorists the determinant of the social economic situation of any country is the concept of “modern” and its permutation and big categories such as “institutional differentiation” “development” “development”, “nation building”, “economic growth” “advanced industrial societies”, “Westernized” , “backward”, “primitive”, “tribalized” and many more.

On the other hand, those who employ the theory of imperialism have as their concepts such terms as “dependence”, “colonialism”, “liberation”, “Exploitation”, “late capitalist societies” or “societies in the stage of monopoly  capitalism”.

The backbone of the theory of modernization has been derived from a convergence of sources in the  social sciences in the western societies over a long period of time.

What modernization theorists most often end up with is ethnocentric piratical recipes which admonish the poor societies to imitate them all the way and they would acquire a sudden leap into the 21st century.  In order words, join the Calvinistic cruet and you will experience a sudden leap into modernity.

The theory of imperialism on the other hand derives its concepts from Marxist sources.  In a nut shell, the wealth and poverty of nations result from the global process of exploitation.  This is the situation that Andre Gunder Frank (1969) refers to as the “the development of under development”.

The problem of the poor countries  with particular reference to Nigeria is not the lack of technological know how, cultural traits conducive for development, or modern institutions, as is touted by modernists theorists, but that they have been subjected to the exploitation of the international capitalist system and its special imperialist agents, both domestic and alien.

The fundamental conceptual instrumentarium of the critique of imperialism is provided in lenin’s theory of imperialism.

“Imperialism: the highest stage of “capitalism” (1916).  The basic pronouncement in the book seems to be that the evils associated with foreign capitalist penetration of the poor countries are the necessary concomitants of capitalism in its present stage.

Nevertheless modernization theorists have also continued to argue that the present influence of the west is not the result of their exploitation of the third world countries.  They state that this particular argument gives the poor societies” a moral legitimacy” to demand aid or trade concessions.  Sort of  “reparation” from their alleged exploiters.  However the agree that rich countries depend on poor ones for certain raw materials but that this dependency is declining, and that a great decline in this dependence is expected in view of technology innovations and search for alternative resources nearer home.

Whatever may be the case the fact remains that the fattest profits for developed countries come from their overseas investments.  Offiong (1980) argues that it would be wrong to say that the industrialized nations will decrease their dependence on raw materials on the third world nations.

“They will continue to maintain a global policy designed to protect the sources of their crucial raw materials and markets for their finished products”.

MAINTAINING THE EDGE

It is true that bourgeoisies social scientists in the west (The united states being the headquarters) and even in third world countries have gone out of their way to discredit the Marxist-Leninist theory, social scientists in the west must have undertaken the actions as a sort of strategy. But for those in third world only ignorance could answer for their action.

Indeed the Euro African connection from it’s inception, some five centuries ago to the independence decade (1960s), visited Africa with the holocaust of slaving, the trauma of invasion and conquest the humiliations and complexes of occupation, and with a systematic and continuing impoverishment:

In the 1960’s and 1970’s, it became apparent that the west European Expansionism was retreating.  The question then, according to Chinweizu (1978) was “were the Europeans retreating forever or were they retreating to regroup for another assault upon the rest of us”.  From  the situation in the current dispensation, it is clear that the answer to Chinweizu’s question is that the west Europeans were retreating to regroup for another assault against us.   The difference is that today the united states of America (who came out of the second world victorious) is the leader of the regroup. Again the assault is now more subtle but less no powerful than physical assault.

The genesis began with the acceptance and adopted of the modernists solution to underdevelopment.  One of such theories which relate to this subtle method of assault-international communication is given by Lerner (1956).  In his  concept of “empathy”, Lerner states that the inhabitants of third world nations must learn to empathize with the west for modern  transformation of their societies to be possible.

Schramm (1964) on the other hand developed an interesting model in which he equates the level of social development to various nations.  Access to these modern mass media (Radio, Television, Films, Telephone and newspapers) is also linked to individual modernity.

Nigeria and other third world countries have reacted to these findings by inventing a substantial amount of their foreign exchange earnings to import radio and Television transmitters and sets.  Thus setting the stage for imperialism.

Thomas L. MC phial (1981) described this new form of imperialism through the media as “Electronic imperialism”.  He stresses that over the years, there have been but a few major trends in empire building.  The first era which occurred during the Greece-Foman period was characterized by military conquests.  The second era which was during the middle age involved mutant Christianity.  The third era which lasted between the 17th and middle of 20th century was essentially mercantile colonialism fueled by industrial revolution and a desire to both import raw materials and find export markets for the finished products.

World war I and II not only stopped major military expansion movement but also placed the industries of the west in command of vial trade routes and practices.

By the middle of the 20th century there began a shift to a service based economy in the west which relies substantially on telecommunication systems, which traditionally geographical borders and barriers to international communications are being rendered obsolete.

The post industrial society with information related services being the corner stone, has significant implication for industrial nations alike.  Military and mercantile colonialism of the past may be replaced by “Electric colonialism” in the future.  It might become possible that a nation state may now be able to move from the stone Age to the information Age, without having passed through the interring steps of industrialization.

From MC Phial’s explanation many countries including Nigeria could be said to be on the with electronics.  This trend is indicated by the dependency relationship between third world counties as Nigeria and the industrialization countries as Japan and America. Third world countries depends on industrialization ones for communication hardware, produced soft wares, and related information protocols, that vicariously establish a set of foreign norms, values, and expectations which in varying degrees, may alter the domestic cultures and socialization processes.  Essentially, Electronic colonialism of the 18th and 19th centuries.

The above reality has resulted in upsurges of nationalism in many third world countries.  The nationalists show parallel concern for political, economic as well as cultural control over their own destinies.  This concerns have over the years been typified with terms as “Non Aligment” “New international Economic order”, and New world information order” respectively for political, economic and cultural issues.

It is with the cultural issues that students of journalism and telecommunication find theoretical and research interesting for instance, two of the largest issues international concern that link the third and west, and frequently on opposing sides, are the performance of the major wire services, (Associate press AP, Reuters, Agence France press Afp, united press international UPI).  The major television broadcast syndicates (Visnews and UPIIN) and direct broadcast satellites (DBS).

These big time players in the milieu of international communications are firmly owned and controlled by western Europe and U.S to serve their interest.  It has been sufficiently documented that western News media especially the American News media have been consistently found.

(Schiller 1976) to portray Africans as dangerous, unstable, non present, non active, unproductive and therefore always in need of help.  Little wonder why a little European boy, when he saw an elegantly dressed African gentlemen in the international City of Geneva, said to his mother “mummy he’s hungry  him some money”.  This shows the power if the media to shape perceptions especially when there are no alternative sources of information.

Likewise individuals and  groups in Africa are exposed to the media of the west.  If news about Africa in the Western news media is all about confusion, backwardness, then Africans will logically have negative perceptions about themselves and their African neighbours.  Such a situation is what structurelist call a disgussed form of cultural imperialism.  In this type of set up, where the developed nations dominate the flow of news or mediate the flow of news to and fro, to and among the developing nations, there is created a state of dependency, a desire and ability to develop and think more like the developed nations.

TELEVISION IN NIGERIA

“It is simply impossible to exaggerate the impact of television on our lives and the lives of our children.  It is often said but nonetheless worthy of  repetition that television has altered our consciousness, our manner of relating to other people and world, our decisions about the expenditure of our wealth and the use if our leisure reordered our lives that we do  not yet recognize the change”.  Television, that which has occupied the central position in the issue of international communication especially intercultural and cross cultural  communication issues, came into being in 1884 with the perception of the  scanning disk by Paul Nikpow.  The scanning disk was a forerunner of modern Television.

In 1923 Vlodimir Zworkin, a Russian resident America invested the picture tube-conoscope  which he later perfected in 1929 by developing the catholery tube –Kinescope.  Television broadcasting began first in Britain in 1936, and followed by United states of America in 1939.

Television and Television broadcasting in Nigeria developed along regional lines.  In 1959, the Western Nigerian Television INNTV was  established by the western region government.  The Eastern Nigerian  government followed suit in 1960 with the establishment of Eastern Nigeria Television (ENTV) Enugu and so it continued.

As at 1997, there were two privately owned satellite television stations in Nigeria.  African independent television AIT Lagos and many broadcast international MBI one partial satellite television transmission station (NTA Network); 42 cable television stations, II private radio stations, 23 state television stations, 28 NTA stations; and nine private television stations.  Television is now obviously the most important medium for entertainment in most parts of the world.  It most obviously involves the content of the screen –programs, actions, people and places.

Many social scientists agree that all of the interesting effects of television can be traced to the images on the screen.  The exclusive cause of changes in perceptions, judgments, evaluations, emotions and even bodily functions is thought to be information in two-dimensional florescent light that  appears within the boundaries of the tube.

The government of the federal republic of Nigeria understands the ability of television to affect peoples ways if life  that it set out in the cultural policy documents to keep Nigerian television Nigerian.

Processing the roles which television should play and policy states that Television should be used to project Nigeria arts and culture and value system.

b.                  At least 70% of television programmes should be produced locally.

c.                   The programme content of television  should be made relevant to Nigerian realities history and achievements.  The extent to which these  aims can be achieved is limited by very many factors bordering on globalization of information and privatization and commercialization of the broadcast industry.

With the introduction of Direct Broadcast satellite (DBS), the government owned stations had easy access to foreign produced programmes coming mainly foreign from Europe and America.

Also by commercialization and privatizing the industry, it became difficult for government owned television stations to continue to carry out their social obligations with out government funding.  The private television provided very stiff completion and were attracting more advertising revenue than government owned  media houses.

It is an effort to attract advert revenue which is ensured by packaging programmes that will attract a lot if viewers that the major government television stations NTA broadcasts foreign programmes such as soap  operas, music videos, cartoons movies etc.

1.1       BACKGROUND OF THE STUDY

The last ten years have witnessed the privatization and commercialization of the broadcast medium. It has witnessed the most pervasive period of foreign television programmes and films into Nigeria.  The foreign television programmes states and western Europe and even when they are not from these places as the cases with soap operas from Mexico, they are only local variations of international capitalism.

American made programmes particularly are seen in  practically every country where television exists.  It is believed to exert influential power in various countries.  There is no question that one of the more remarkable phenomena of the 21st century is the widespread diffusion and accompanying popularity of American films and television entertainment programmes throughout the world Guback (1969), Lee (1980); Tunshall (1977); Wells (1972).

It is my belief in line with that if most local critics of American television industry (Hamelink 1983; Schiller 1989, 1976; Mattelert 1970) that the United states and western Europe hold sway over the economics as well as the cultures of third would countries.

In Nigeria as exemplified by trends in Enugu metropolis and use where, western exports of television entertainment are shown in NTA Enugu, ESBSTV, minaj systems, channels, MGM, Cartoon Network, CNN international, TNT classical movies, ESPN – Expanded sports programme Network) channels provided by various satellite transmission operators as DSTV, Multi choice, music television, Euro sports etc.

I am aware that the inclusion of NTA Enugu and ESBS in course of foreign television programmes might raise eyebrows.  There inclusion is due to the fact that most of their programmes which have been documented to be viewed most by youths, expose youths to foreign cultures.  Such programmes include soap operas, movies and youths programmes as “our generation” and defunct youth perspectives.

“Our Generation “ is shown on NTA Enugu while “Youth perspectives” is shown on ESBS.  The two programmes are presented by youth and are regrettably replete with music video of western origin dominated by rap stars as Tupac shakur (late) Beyonce Ashanti, 50 – cent, Sean Paul, Kell Rowland  big, Queen Latita, Eeline Dion etc.

it is my belle that western television especially American television exports is conscious/strategic “weapons” aimed at subduing the cultural values of less developed countries.

There could be no more explicit admission of this strategic communication they one made byu sig Mickelson, president Radio free Europ/Radio liberty in Jan 21, 1977, about the move by the solviet union and third world countries for balanced flow of introduction in defence of indigenous interests and culture against the dominance of the west.  Mictleson states that success of this campaign would have effect of moving the philosophy and practices of the third world societies further away from those of the western world, alienating and isolating our own philosophy and practices.

1.2       STATEMENT OF THE RESEARITY PROBLEMS

The average Nigerian youth, it is oberserved is always eager to be associated with the developed nations the Europe and north America.  He sees the western countries as a model.  He “thinks” western while  earnestly hoping that one day he will be in the white works.

Many Nigerian youths tend to imitate western cultures  especially American cultures.  Nigerian youths either talk” or dress American.  The Nigeria youth appears to see everything America western in  a positive light at the expense of local cultures, norms and values.

Nigeria university student have low me  a set of brain washed youths who think more of the trancient and canal ideals of  western cultures, rather than their own.  This has led top increase in the rate of violence, rape, gengsterism, weird dressing, juveniles delinquency, drug addition, excessive desire for foreign products, sexual perversion unpatriotism, burning desire to migrate to the U.S and western European countries etc.  All of which have tremendous negative effect on our bid for national development.

1.3       OBJECTIVE OF THE TSUDY

1.         To  isolate western television and examine its pervasive impact on the cultural values of Nigerian University Students

2.         To show how the contents of western TV. Programmes effects Nigerian  university students.

3.         To show if their perspection of the west affects their attitude towards western TV. Programmes.

4.         To show the relationship between exposure and the desire to migrate to the U.S and Western Europe.

5.         To show the implications of the western TV culture on Nigeria as a state.

6.         To make recommendations based on the findings of this research.

1.4       SIGNIFICANCE OF THE TSUDY

It has been observed and stated severally that moral bankruptcy among Nigerian youth especially university students is growing in leaps and bounds.  Local cultures, values, tradition, norms and mores are sacrificed at the alter of modernity.  Excessive positive perception of the western world by Nigerian youths may translate to umpatriotism for their own country.

This study is an offshoot of the  concern for the possible dilution, domination and finally absorption of the African/Nigerian culture which until the present has been characterized with good neighbourliness, respect for elders, virtuousness, group or community orientation and collectivism.

The Nigerian youths perception of western especially, American behavioural norms and values as better than their own, is a key element in preparing them for acculturation leading to low Nigeria self-image, high projected self image and a flaring desire to migrate to the west especially to the united states of America.

It will not be unusual in a visit of any university in Nigeria to find individuals imitating behavioural modes of dress, attitudes, and  mannerisms of the personalities they  admire including fictional characters with whom they identify on TV. Idolized and imitated international, are modes of dressing, and often personal idiosyncratic behaviours of popular stars as notorious Big (Late), 50 Cent, Sean Paul, Michael  Jackson, late Tupec-Shakur, Ashanti, Kelli, Rowland, Celine Dion, and such characters as Van Damm, Schwarzenegger, Silverster Stallon, Leonardo Decaprio, Jennifer Lopez, Chuck Noris etc.

It has been observed and disturbingly that Nigerian University students in increasingly greater numbers, adopt and imitate behaviours aid life styles portrayed by dominant cultures of countries outside their own to the influence of which they have become exposed.

Such a situation is not healthy for a developing country as Nigeria especially now that genuine attempts are being made at putting in place a credible democratic process. The conduct of this research at this time will enable the government to know what role the media  can play in the development of any country and therefore enable them harness the mass media especially TV to help in the democratic process, and the development process in general.

The research is also particularly timely because as a result of technological developments process and economic pressures, international programmes movements especially from U.S and western European countries are likely to increase.  The result of this research will enable the government and other policy makers to put adequate measures in place to check the movements and its effects.

Most research on emigration in economic and demography has concentrated not on the role of information but on economic and political conditions.  From the result of this research, the government will understand if a fine-turning of international broadcast industry could help  tackle the issue of brain drain.

1.5              RESEARCH QUESTIONS

  1. Do Nigerian youths expose themselves more to TV. Than other media?
  2. Do they prefer western TV. Programmes to locally produced ones and why if yes?
  3. does exposure to foreign TV programmes affect Nigerian youths attitude to the western nations?
  4. In what ways do these attitudes manifest in the behaviours  of Nigerian youths.
  5. Do Nigerian youths identify more with local or foreign TV. Stars ?
  6. Will improvement of local TV./movies industries improve Nigerian youths preference for local TV. Products

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ASSESSMENT OF THE ROLE OF COOPERATIVE SOCIETIES IN POVERTY ALLEVIATION.

ASSESSMENT OF THE ROLE OF COOPERATIVE SOCIETIES IN POVERTY ALLEVIATION.

 

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  • INTRODUCTION
    • BACKGROUND OF THE STUDY
    • OBJECTIVE OF THE STUDY
    • STATEMENT OF THE PRINCIPLES
    • DEFINITION OF TERRMS

This study investigates the Role of Cooperatives in Poverty Alleviation. The study was based in the Federal Radio Corporation of Nigeria Kaduna Multipurpose Cooperative Society. The research review the literatures of related study and were duly acknowledge. Data were collected through constructed questionnaire and interview methods comprising members of the study area. Using systematic sampling techniques. The perceptible equations and tabular illustrations were used to present data Obtained in the Study. Results obtained from the study suggested that members of the study area and the public benefit immensely from the activities of cooperative societies. Hence, cooperatives help to alleviate poverty amongst its members.

CHAPTER ONE

1.0       Introduction         –        –        –        –        –        –        –        –        1

1.1    Background of the study      –        –        –        –        –        –        5

1.2       Historical background of the study area          –        –        –        –        6

1.3       Statement of the Problem    –        –        –        –        –        –        7

1.4       Objective of the study           —       –        –        –        –        –        –        8

1.5       Significance of the study      –        –        –        –        –        –        9

1.6       Research Question     –        –        –        –        –        –        –        10

1.7       Scope of the study      —       –        –        –        –        –        –        11

1.8       Operational Definition of term       –        –        –        –        –        11

CHAPTER TWO: Literature Review

2.1       Introduction         –        –        –        –        –        –        –        –        13

2.2    Cooperative Development Exposure     –        –        –        –        16

2.3    Poverty      –        —       –        –        –        –        –        –        –        17

2.4       Nigeria’s Poverty Situation   –        –        –        –        –        –        18

2.5       Poverty Alleviation in Nigeria         –        –        –        –        –        20

2.6       Cooperative A tool for Promoting Desert

Work and reducing poverty  –        –        –        –        –        –        23

CHAPTER THREE: Research Methodology

3.1       Introduction         –        –        –        –        –        –        –        –        28

3.2       Research Design        –        –        –        –        –        –        –        28

3.3       Population Sample      –        –        —       –        –        –        –        28

3.4       Sample size        –        –        –        –        –        –        –        –        29

3.4.1 Justification for the sample size    –        –        –        –        –        29

3.5       Sample Technique      –        –        –        –        –        –        –        29

3.5.1  Justification for the sampling Technique        –        –        –        –        30

3.6       Research Instruments –        –        –        –        –        –        –        30

3.7       Method of Data presentation and statistical analysis –     –        30

3.8       Limitations of the study        –        –        –        –        –        –        –        31

CHAPTER FOUR: Data Presentation And Analysis

4.1       Introduction         –        –        –        –        –        –        –        –        32

4.2       Presentation Analysis Based on respondents bio data    –        32

4.3       Data Analysis Based on questionnaire –        –        –        –        35

CHAPTER FIVE: Summary, Conclusion and Recommendation

5.1    Summary   –        –        –        –        –        –        –        –        –        44

5.2       Conclusion         –        –        –        –        –        –        –        –        45

5.3       Recommendation        –        –        –        –        –        –        –        46

Reference –        –        –        –        –        –        –        –        –        48

Appendix I –        –        –        –        –        –        –        –        –        49

Appendix II         –        –        –        –        –        –        –        –        –        50

CHAPTER ONE

INTRODUCTION

From the beginning of mankind, man has been engaged in a continuous battle to liberate himself from the shackle condition of life called poverty. Consider the following situation.

  1. A destitute is begging for alms at Public Park to buy food from a nearby food stand.
  2. A young university trained professional lost her job a few months ago and her bills are mounting because she is still employed.
  3. An investor is unable to pay his children’s school fees this semester because his expected earning from investments did not materialize.
  4. A millionaire needs to take tranquilizer every night because he cannot sleeps without them.

Which of these four people would you consider poor? A is both income poor and socially deprived. B may not be socially deprived. Being well educated but she is income poor, being educated but she is income poor, being out of employment. C is cash poor, but only for a short time because he can convert has investment into cash if necessary. D is not poor by any material standards but he is spirit poor because money cannot buy him a sound sleep.

In general, a discussion of poverty as a socio – economic issues is limited mainly to the situations covered in A and B above. But cooperative’s pride themselves as “enterprises” with a soul” will target all four cases.

The definition and measurement of poverty can be quite elusive. It varies from place to place and from time to time. Poverty is a condition of life so degraded by disease, illiteracy malnutrition as it denies the basic human necessities. It is therefore difficult to give a precise definition of poverty. But the poor society in terms of their economic, cultural Social and psychological condition. In an attempt to attack this chronic disease (poverty) the basic problems of development should be redefined as a selective attack on the worst form of poverty.

Developmental goals must be defined in terms of the progressive reduction and eventually elimination of malnutrition, diseases, illiteracy, unemployment and inequality. Once again the relationship between poverty and development is clear. Where there is abundant poverty there is little or no development. After all, the process of development itself is geared towards the elimination of poverty and inequality in order to give room for a better life for mankind.

Cooperatives societies which is primarily to alleviate poverty among people because the purpose of incorporating the society is to meet the common felt needs of the members and the general public on social and economic needs as well as cultural aspirations of the individual thereby complementing the efforts of the government towards the alleviation of poverty in the society. Cooperatives is aimed at receiving the policies towards alleviating of poverty in the society in terms of their economic, cultural, social and psychological condition of both members and the general public. Over the years cooperatives has made efforts in reducing the poor standards of living of the poor masses in the society. Hence the importance of Cooperatives towards the alleviation of poverty can not be over emphasized; it can be summarized in the following succeeding lines:

  1. Cooperatives encourage the poor in the society to save little money that may be encountered, so that they can conveniently solve the problems.
  2. Cooperatives create/open up viable avenue for the less privilege to benefit from government and any other credit outside their places of work in order to enable them solve immediate problems and other top benefit from them.
  3. Stimulation of economic growth through the engagement of semi skilled and unskilled labour in productive activities.
  4. Minimizing rural – Urban drift through the improvement of rural communities.
  5. Empowering the environment to arrest environmental deregulation.

Programme activities and strategies to achieve the objectives of cooperatives towards alleviation of poverty include.

  1. Cooperatives are trying to reduce the alarming rate of poverty through the provision of goods and services at a cheaper cost for the common average man to afford.
  2. Cooperatives help to prevent exploitation of the less privilege. By organizing workshop/seminars to educate areas that are yet to develop in terms of education, inadequate health centers, inadequate companies to work for their daily wages in order to better their lives and reduce the rate of poverty in the society.
  3. Empowering women and men to participate in decision that affect lives and that enables them to build their strengths and assets.

 

1.1    BACKGROUND OF THE STUDY

Nigeria like other developing countries have done a lot in terms of improving the standards of its citizens through the provision of employment, shelter, food supplies, basic infrastructural facilities, good education system and a conducive political and socio – economic environment. Of all these deep-rooted social and economic ills, the most frightening is poverty, it is alarming because it’s capacity of learning all social fabric and social values. Consequently, all attempt made to reduce poverty cannot be improved.

Nigeria, since independence has been battling on how to reduce poverty on its citizenry. In this regard, programmes, agencies. And a mission were drawn, instituted and formed to address this ugly issue or hydro – headed monster (poverty). We are all aware of the philosophies behind regional areas like the Northern Nigeria Development Cooperation (NNDC) Western Nigeria Development Cooperation (WNDC) and Eastern Nigeria Development Cooperation (ENDC).

All these cooperation were constructed for the purpose of giving soft loans for the developmental projects and other employment opportunities to the respective regions from the federal government and from the limited sources of their respective regional areas.

The introduction of cooperatives societies in Nigeria came about through the feasibility study of Mr. Strickland in his reported submitted in 1933 when the Nigeria government realized the significance of cooperative. This resulted to the formation of cooperative. Inspite of all these cooperation, agencies and societies have proved to be very potent in reducing the level of poverty in our society.

1.2       HISTORICAL BACKGROUND

Federal Radio Corporation of Nigeria (FRCN) Kaduna Multipurpose cooperative society was formed primarily to promote the general economic interest among its aimed at providing cash, kind and loan for necessary productive purpose with society as a means of income and with a reasonable convenient term of repayment. The multipurpose cooperatives society is formed to promote cooperatives spirit among its member and to work for the general improvement of the members living standard.

The cooperative society (FRCN) also engages in any meaningful business ventures or trading. Activities outsides the cooperative society so as to enhance the earnings of the society.

Finally federal Radio Corporation Radio Corporation multipurpose  cooperative society was formed to encourage the development of cooperatives movement in Nigeria

 

1.3    STATEMENT OF THE PROBLEM.

Poverty as a figure disturbing the people or society are due to the fact that all governmental schemes to alleviate poverty has not been shown in the study area.

The unemployment situation in the society is at the increasing rate among the people due to the limitation of cooperatives awareness in the society. The people fail to know or understand what cooperative really means or is taking about. Due to the high population of Nigeria, which impose the problems of poverty as to no job opportunities in the societies.

Again despite all the effort of poverty alleviation by the cooperatives movement, there are obstacles that hinder people from participating and enjoying these economic developments. Such obstacles are: lack of adequate cooperative education or awareness and enlightenment amongst the populace as such people respond to cooperative movement very poor. Those who are actively involved in this movement of the cooperatives do not also fully enjoy the economic aspect of the movement, which is the foremost objective of cooperative. This is because of the lack or inadequate cooperative knowledge of its members. Also improper management by committee members of different societies.

This research work, will examine ways of solving the set aside problems that hinders the full participation and   enjoyment of the cooperative movement activities by its member, towards poverty alleviation and the betterment of their social –economic activities.

1.4    OBJECTIVES OF THE STUDY

The objectives of the study are to find out whether cooperative societies can help in the alleviation of poverty. It is also an objective of the study to make comparison on findings from this exercise with previous studies on the same research topic, Again, the objective of the study is to examine if all cooperative principles is best applied in the cooperative societies.

It is equally an objective of the study to examine the extent of people’s involvement in cooperative particularly in the rural areas.

THE ROLE OF COMMERCIAL BANKS IN FINANCING SMALL SCALE INDUSTRIES IN NIGERIA

THE ROLE OF COMMERCIAL BANKS IN FINANCING SMALL SCALE INDUSTRIES IN NIGERIA

(A CASE STUDY OF UNION BANK OF NIGERIA PLC).

Complete Material Cost #5000

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ABSTRACT 

The topic of dissertation is The Role Of Commercial Banks In Financial Small Scale Industry In Nigeria. A case study of union bank of Nigeria plc. The  major objective of the study is to ascertain the extent to which union bank of Nigeria plc has helped to financial small scale industries.Instrument of data collection is questionnaires and research questions which formed the source of primary data, while materials from various published articles, textbooks, journals and newspaper formed the secondary data.

The method of analysis is the use of  tables, percentages and chi-square .

The major finding of the research is that union bank of Nigeria plc has helped to financial small scale industries period under review.

The recommendation based on the finding is that in order to reduce the risk in small scale industry lending, the central bank of Nigeria and the government can do more than they are doing currently scheme.

The study concluded that if the desired objective of using small scale industries as catalysts of development is to be achieved than the role of commercial banks should be mutually supportive.

TABLE OF CONTENTS

CHAPTER ONE

INTRODUTION ANALYSIS

1.1     Background to the problem

1.2     Problem statement

1.3     Objectives of the study

1.4     Research questions

1.5     Research hypothesis

1.6     Scope of study

1.7     Limitations of the study

1.8     Definition of study

Reference

 

CHAPTER TWO

LITERATURE REVIEW

2.1     Introduction

2.2     Meaning of small scale industry

2.3     Government policy

2.4     Support systems

2.5     Financing

2.6     Monetary policy development in favour of small scale industries

2.7     Benefits of small scale industry

2.8     Problems facing small scale industry

2.9.1  Financing the project

2.9.2  Technical knows how

2.9.3  Personnel, matters and general administration

2.10   Improving funding small scale industries

References

CHAPTER THREE:   

RESEARCH METHODOLGY

3.0     Introduction of the study

3.1     Research design

3.2     Area of study

3.3     Population of study

3.4     Sample size determination

3.5     Instrument for data collection

3.6     Validation of the instrument

3.7     Reliability of the instrument

3.8     Method of data collection

3.9     Data analytical techniques

CHAPTER FOUR:     

PRESENTATION AND ANALYSIS OF DATA

4.1     Presentation of data

4.2     Hypothesis testing

CHAPTER FIVE FINDINS:

CONCLUSIONS AND RECOMMENDATIONS

5.1     Findings

5.2     Conclusion

5.3     Recommendation

Bibliography

Appendices

 

 

CHAPTER ONE 

INTRODUCTION

1.1     BACKGROUND TO PROBLEM

The successive development plans of Nigeria have laid emphasis on the attainment of self reliance.  The need for this national objective is because much is expected from individuals from the view point of providing employment opportunities self reliance in basic food and material production high per capital income, foreign exchange earnings and the production of industrial raw materials.

Okporobie (1989:10) observes that Nigeria small scale industries continued to decline despite the so called priority given to the sector

However, the discovery by the central bank  that this policy was not enough by it self led to the central bank request with effect from 1970/80 that all commercial bank must reserve a proportion of the minimum credit allocation to indigenous borrowers for small scale Nigeria enterprises.  The target prescribed in 1979 was ten percent (10%) which subsequently raised to sixteen percent (16%).

Even though available data showed that performance of commercial banks against this directive has been disappointing. The central bank intends to  spare no effort in ensuring that banks fully couple without compromising the smooth functioning of the nation banning system.

He observed also, that without the development of small scale industries in Nigeria, the nations quest for industrialization will certainly remain forever at stake. It is the opinion of the researcher that future development in our industrialization must address the basic issues of creating linkages without the economy to begin to produce real inputs to our manufacturing activities .

Priority attention must therefore be given to these industries for which domestic inputs could easily be produced.  This will bring about  agro-allied industries like food processing and other by-products.

The objective should be to maximize the value added in their processing and manufacturing as final goods immediately inputs.

Nzewi and Oze (1985:56) observed that empirical evidence indicates that strong producer incentives to small scale industrialists are necessary not also only to meet the food requirement but also to  provide growing input supplies and demand as a foundation for sustained industrial growth.

The present economic constraint may well turn out to be a blessing in disguise to our industrialization effect particularly for dynamic manufacturing sector.  For instance, the market determinate exchange rate through seeing with its result and high cost of imported inputs may serve as an impetus for industrialist to intensify their search for local substitutes.

Ekenyong and Nyong (1992) observed that small scale enterprises are regarded an organic part of a viable structure for the attainment meaningful economy development in developing economic like Nigeria.

They are significantly more cost effective in bringing about development than large enterprises because of the perceived linkage and multiplier effects which small scale enterprises have on the performance of the economy and economic growth in general.

Osayameh (1989) observes that the strength that make small scale enterprises more amendable for assistance areas as follows.

1.       Personal commitment of the proprietor whose life savings usually form the start up capital.

2.      Low initial capital out lay requirement

3.       Ease of entry and exit and prevalence of just minimal legal constraints

4.       Amenability to business advisory services because of their small size which makes than more responsive to improvement suggestions.

Olashore (1987) Observes that the four main sources of enterprises financing open to small scale industry in Nigeria are.

i.        Formal financial institutions such as commercial banks merchant banks, insurance companies and the development bank.

ii.       Informal financial landlords, credit and savings associations “esus” friends and relations personal savings and .

iii.      Other financial scheme, NERFUND NEXIM

in 2001, there was an introduction of small and medium industries equity investment scheme (SMIEIS) in which N359 million was set aside to date by banks under small medium industries equity investment scheme.

Through union bank small and medium scale enterprises (SMES) department, the bank has remain ed in fore front of SMES financing nations was extended to the SMES as at 31st March 2004.

Small scale industry is any industry not exceeding N750,000 including working capital  but excluding cost of land.

It is also defined by center for industrial research and development of Obafemi  Awolowo university Ile Ife as  those industries whose total assets in plant, equipment and working capital do not exceed N250,000 with not more than 50 employees.

1.2     STATEMENT OF THE PROBLEM

The problem of credit to small scale industries may not necessarily be as a result of financing insufficiency but rather for some other reasons among which are.

i.        Insufficient preparation on the part of small scale entrepreneurs in their request for credit assistance.

ii.       Information gaps as to range of funding institutions and scope of services available in these institution

iii.      Moreover, servicing of small business accounts is relatively experience, risky and difficult to monitor with low turn over of account.

However, the parishioners in the sector small scale industry do not display competence in preparing justification for their project.  It is are to see most of them coming up with cash flow projections, projected balance sheets, among others.  They are based on personal rudimentary in formation and speculation.  At times when they seek the advice of consultants, the outcome that are made figures project based on assumptions which are most of their time unrealistic.

As a result such proposals are out rightly rejected by banks.

There are suitable when credit demands in this sector are not in compliance in this government monetary policy and credit guidelines which must be adhered to by banks.

The researcher identifies these problem and considers it necessary to carry our study on them.

1.3     OBJECTIVES OF THE STUDY

The objectives of the study include:

a.       To ascertain the extent to which the union bank of Nigeria plc has helped to finance small scale industries.

b.       To identify the problems encountered by small scale industrialists in obtaining finance from union bank of Nigeria plc.

c.       To evaluate various measures introduced to boost industrial production and its financing and how this has affected realization of the set goals.

d.       To determine the causing changes in small scale industrial financing by union bank of Nigeria plc.

e.       To make suggestion and recommendations based on the data generated by the study.

1.4     RESEARCH QUESTIONS

The critical appraisal to give answers to the following questions.

a.       To what extent has  union bank of Nigeria plc helped to finance small scale industries?

b.       What are the problems encountered by the small scale industrialists in obtaining finance from union bank if Nigeria plc?

c.       What are the various measures introduced to boost industrial production and its  financing and how this has affected the realization of the set goals?

d.       What are the causes of changes in small scale industrial financing by union bank of Nigeria plc?

e.       Does any linear relationship exist between lending to small scale industries and economic recovery and self reliance on the economy?

1.5     RESEARCH HYPOTHESIS

a.       There is no linear relationship between lending to small scale industries and economic recovery and self-reliance of the economy.

b.       there is no relationship between union bank of Nigeria plc lending to small scale industries and the attitude of this customers

1.6     SCOPE OF STUDY

The scope of the study is the role of commercial banks in financing small scale industries in Nigeria. A case study of union bank of Nigeria plc.  It does not cover the role of commercial banks in financing medium and large scale industries.