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The Role Of Commercial Banks In Agricultural Growth And Development In Nigeria
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OBJECTIVE OF THE STUDY The main objective of this
study is to assess the role of the commercial banks in agricultural
development in Nigeria from 1986-2009. Specifically the study tends to
be achieving the following objectives. i. To access the scope and
achievements as well as highlight new role of Nigerian Commercial Banks
to Agriculture. II. Identify the inherent problems of agricultural
financing which have hindered the smooth flow of credit from banks to
agriculture. To offer solutions to identified problems.
HYPOTHESIS
OF THE STUDY The hypothesis guiding this study are of two type H0 which
is the null hypothesis and H1 which is the alternative hypothesis
H0: the Banking Industry has played an important role in agricultural development in Nigeria.
H1: the Banking Industry has not played an important role in agricultural development in Nigeria.
SIGNIFICANCE
OF THE STUDY This study is useful in many ways. Firstly, Nigerian
farmers can know the type of credit or assistance offered by Nigerian
Banking Industry and the benefit from them. Secondly, it will help to
update knowledge on how the banks especially commercial banks in
Nigeria, thus making it useful for other researchers, schools and
readers. Thirdly, it will enable the Nigerian government to take
advantage of the suggestions and more result oriented policy towards
boosting agricultural production in Nigeria. Finally, the salient
findings of this study will also make the farmers to be more result
oriented in agriculture.
SCOPE AND LIMITATION OF THE STUDY This
study covers the period between 1986-2009; it will be an oversight to
think that study such as this will be accomplished without impediments
and constraints. Much as it seems incontrovertible that odds will be
imminent there are some glaring inexorable cases. Some respondents to
interviews are always simplified and simplify in relating information to
researchers. Again, to think of development only in terms of increasing
agricultural output is an under statement. There is also the clamored
non-existence of relevant and indispensable literature as versatile as
possible. The limitation put together explains why the research is
scaled down from 1986-2009 The study only centers on the role of
commercial Banking in agricultural development and factors surrounding
their credit decisions to agricultural sector. Thus, it only assessed
the performance of the banks in executing the role of financing
agriculture. Since it was not possible to get the whole information
needed in this study, the study is limited to the Nigerian Economy. The
study is equally limited by time and limited sources of data. There are
time constraints in the process of carrying out research due to in
accuracy of data. It is sometime possible to underestimate or over
estimate.
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ABSRACT - [ Total Page(s): 1 ] The study examines the role of commercial banks in Agricultural development in Nigeria, spanning from 1986-2010. The methodology used is ordinary least squares (OLS), using P.C give 8.00 package. The findings from the study support the view that commercial bank loans are not getting to red farmers. The commercial banks loan to Agricultural sector is positive and significant at 5% level, contributing 67.65 percent variations in Real Agricultural output in Nigeria. Real interest rate and real ex ... Continue reading---
