Role Of Central Bank Of Nigeria (C.B.N) In Agricultural Finance Development, Problems And Prospects
(A Case Study Of Nigeria Agricultural Insurance Company (NAIC) Enugu – Enugu State)
Based on historical evidence, the highest contribution to the Nigeria Economy was Agriculture at present, Agricultural Production has been deducing drastically, especially since the oil boom. This was also contributed to the neglect on this sector due to the problem the Agriculturist encountered.
Nigeria Agriculture is characterized by the pre-prudence of small scale farming which yields the bulk of the total production. The small scale farmers have been the bedrock of our Agriculture economy and is characterized by illiteracy, small size of farm holding, little capital, unclear titled to land, low productivity and little savings. The muddle class farmers has been increasing in absolute number but is significant in terms of ration. He has large capital, he is more educated and has probably succeeded in his career before retiring into farming. He has better access to credit and information and because this class of farmers were still insignificant in terms of contribution to Agricultural production. It is university and misleading to base Agriculture policy formation on it.
The government in its various tiers is another of Agriculture, in Nigeria. She gets involved into physical farming as well as provision of basic infrastructure and inputs. Examples are: Agriculture Development Project, National Accelerated Food Production Programme, Poverty Alleviation Programme, etc. The plethora of this programme is but a pointer to the confusion regarding the role of government in Agriculture.
Apparently, government has been inefficient and ineffective both in physical farming and in a way of encouraging agricultural finance appears to have increased the volume of Central Bank of Nigeria loans in this direction but it has not had a corresponding impact on the economy. A need to reappraise and indirect agricultural policies and strategy towards the small scale farmer is suggested as one of the basic solution. To achieve and fulfill the motive of this study, the researcher tried as much as she could to use both primary and secondary data.
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ii Title Page
iii Approval Page
iv Dedication
v Acknowledgement
vii Abstract
ix Table of content
CHAPTER ONE:
1.1 Background of the study 1
1.2 Statement of problem 4
1.3 Objective of the Study 6
1.4 Research Questions 7
1.5 Research Hypothesis 8
1.6 Significance of the Study 10
1.7 Scope, Limitation and Delimitations 11
1.8 Definition of Terms 13
Reference 15
CHAPTER TWO:
2.0 Review Of Related Literature 16
2.1 Nigerian Agricultural Insurance Company’s
Relationship with any other Establishment 17
2.2 Accelerating with cheaper food production 18
2.3 Reasons for low agriculture output 20
2.4 Banking industry and development of agriculture 22
2.5 Role of agricultural credit 24
2.6 Reasons for low participations by
farmers in Nigerian agriculture 26
2.7 Role of agricultural insurance company 28
2.8 Insurance and Agriculture 29
2.9 Summary of the Reviewed Literature 32
Reference 34
CHAPTER THREE
3.0 Research design and methodology 35
3.1 Research design 35
3.2 Area of study 35
3.3 Population 36
3.4 Sample and Sampling Techniques 36
3.5 Instrument of Data Collection 38
3.6 Methods of Data presentation 39
3.7 Methods of Data Analysis 39
Reference 41
CHAPTER FOUR
4.0 Presentation and Analysis of data 42
4.1 Data presentation 42
4.2 Testing the Hypothesis 49
Reference 60
CHAPTER FIVE
5.0 Findings, Recommendation and Conclusions 61
5.1 Findings 61
5.2 Recommendations 62
5.3 Conclusions 64
Bibliography 67
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