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The Role Of Commercial Banks In Agricultural Development In Nigeria: 1986-2010
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1.3 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.
III. To offer solutions to identified problems.
1.4 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 is that the
Banking Industry has played an important role in agricultural
development in Nigeria.
H1: is that the Banking Industry has not played an important role in agricultural development in Nigeria.
1.5 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.
1.6 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 exch ... Continue reading---
