This is the summary of the
research work form chapter one to five. If actually contain what research work
supposed to contain except background of the study and objective of the study.
Look at the chapter 3 and 4 it is properly done, it is telling us how the data
collected is presented and then analyzed.
Research work can be carried
out at any level of learning in the western world under graduate student are
not required to carry out research project, the way are do it have in Nigeria,
as a requirement for awarding them first degrees. There research project are
research for mastering learning a the master and PHD level.
There are some masters without thesis and some with limited research
requirement here in Nigerian national diploma student are required by some
teacher to carryout standard research project even through such student do not
have the requisite research knowledge to do that effectively and honestly. It
is hoped that after going through this research work teachers should be able to
determine the level of research knowledge required of research students at any
of the levels of learning. Beginning researchers will no longer he intimidated
or scared of research but should be able to honestly carry out simple research
TABLE OF CONTENT
Statement of the problem
Rationale of the study
Significance of the stud y
Definition of terms
Review of related literature
Research design and methodology
Sources of data
Location of data
Methods of data collection
Limitation of the study
Data presentation, data
analysis and discussion of the result
Discussion of the result
Summary of work, conclusion and
recommendation for further studies
Summary of work
Recommendation for further studies
OF PROBLEM AND THE PURPOSE OF THE STUDY
Beside these economic policies
to help rural economic development, the banking habits of rural did not improve
appreciably. The problems remains that community banks are nearly operating
exactly the some way as conventional banks do not grant loans to small scale
producers. The banks require collaterals before credits are given which the
rural dwellers or developmental association may not be able to afford.
The banks also lack adequate capital. This makers it very difficult for them to
grant loans to rural dwellers the how saving of the people mean that there is
little to put into the bank. This create more problem for the community banks.
Apart from these problems to community banks the rural dwellers have the
knowledge that bank are for the rich and the elites of the society, given the
fact that the community banks have and employed incapable personal who could
not educate proper banking information to rural area.
In view of these, the study would address itself to the following problem
v How can loan able fund be made accessible to
rural borrowers to enhance their economic activities.
v How can rural banking habit be improved to
assist in rural development.
v In addition, the main purpose of these study
was to examine the role of community banks in of the rural economy. The point
further arises as follows
v The nature of the economic activities of the
v Whether the attitude of the dwellers to public
money affected the level of loan available for
The rapid enhancement of the
development of production activities in both rural and urban areas and
hence, the improvement of the economic status of small producers and rural
farmers in the informal sectors of the national economy.
The promotion of rural development providing financial and banking services as
well as other facilities or services.
It encourages the spirit of community ownership and the use of economic assets
and the maintenance of such facilities and organization on a suitable basis.
OF THE STUDY
This study intends to help
student who may wish to carryout further research on this subject. It will
provide information that will be of importance to entrepreneurs and chief
executive of financial institution or business organization.
The result of this study will be of available services to other financial
institution. The mangers of public business organization farmers society,
government establishment and administrators can benefit indirectly from this
work, hence management is basically the same banks agent public relations
officers and information officers will gain a lot form this work because it
will encourage them to remain committed to the practice of their professions
The role of community bank in rural area will enlighten the public and interest
the general reader who want to acquire knowledge in the area of bank management
and its role in the community banks.
OF THE STUDY
In general Babanojda 1990
budget speech, he announced government decision to establish, community banks.
A community bank is defined as a self sustaining financial institution owned
and managed by a community group of comities to provides financial services to
that community. A minimum study share capital # 250,000.00 is required to
establish a community bank. The community bank implementation committee (CBIC)
receives and process application for the establishment of community banks. The
first community bank took off in December 1990 in alherir local government area
of Kaduna state.
Already, another set of Nine (9) community banks have been approved for
licenship are ready to be commissioned. Another thirty (30) community bank
promoters respectively had applied to be inspected preparatory to being
licensed. Among them, twenty one (210 had been inspected and the nine others
were yet to be inspected.
Moreover, the incorporation document had been submitted by them, respectively
to the corporate affairs commission in Abuja in respect of one hundred and
eighty (180) community banks of which ninety three (93) have now been
this is the rate a which the central bank re discounts first class bills of
exchange and government securities presented it when the firms is acting as
lenders of last resort.
it is a written promise made by one person to be collaterally answerable for
the debts, default or miscarriage or another.
it is bankers safety net which he requires if unforeseen circumstances renders
the proposed loan repayment programmes unattainable
it involves the bank laundering money to a customers over a given period of
time same interest are attached to such lending
this is bank issue cheques to a customer for a total sum greater than the
amount standing to the credit of his account
Commission: it is the charge for services render to current account holder
must of the charges one determined by the central bank of Nigeria through the
bankers tariff .
TERMS AND CONDITIONS APPLY
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