THE IMPROVEMENT OF BANKING HABIT OF RURAL DWELLERS BY COMMUNITY BANK

THE IMPROVEMENT OF BANKING HABIT OF RURAL DWELLERS BY COMMUNITY BANK

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MAKE YOUR PAYMENT  INTO ANY OF THE FOLLOWING BANKS:
 GTBANK
Account Name : Chi E-Concept Int’l
ACCOUNT NUMBER:  0115939447
First Bank:
Account Name: Chi E-Concept Int’l
Account Name: 3059320631

Foreign Transaction For Dollars Payment :
Bank Name: GTBank
Branch Location: Enugu State,Nigeria.
Account Name: Chi E-Concept Int’l
 Account Number:  0117780667. 
Swift Code: GTBINGLA 
Dollar conversion rate for Naira is 175 per dollar. 

ATM CARD:  YOU CAN ALSO MAKE PAYMENT USING YOUR ATM CARD OR ONLINE TRANSFER. PLEASE CONTACT YOUR BANKER SECURITY GUIDE ON HOW TO TRANSFER MONEY TO OTHER BANKS USING YOUR ATM CARD. ATM CARD OR ONLINE BANK TRANSFER IS FASTER FOR QUICK DELIVERY TO YOUR EMAIL . OUR MARKETER WILL RESPOND TO YOU ANY TIME OF THE DAY. WE SUPPORT CBN CASHLESS SOCIETY. 

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form>DELIVERY PERIOD FOR BANK PAYMENT IS  LESS THAN 2 HOURS

How to transfer from your bank account to All  Nigeria banks without internet

1. Access Bank:
—-*901#

2. EcoBank:
—-*326#

3. Fidelity Bank:
—-*770#

4. FCMB:
—-*389*214#

5. First Bank
—-*894#

6. GTB:
—-*737#

7. Heritage Bank:
—-*322*030#

8. Keystone Bank:
—-*322*082#

9. Sky Bank:
—-*389*076*1#

10. Stanbic IBTC:
—-*909#

11. Sterling Bank:
—-*822#

12. UBA:
—-*389*033*1#

13. Unity Bank:
—-*322*215#

14. Zenith Bank:
—-*966#

15. Diamond Bank
—-*710*555#

To know your BVN, dial
—-*565*0#.

E.g for First bank…   *894 *Amount *Acct. No. #

Please dail d code from d number u used to register d account from the bank

CALL OKEKE CHIDI C ON :  08074466939,08063386834.

AFTER PAYMENT SEND YOUR PAYMENT DETAILS TO

08074466939 or 08063386834, YOUR PROJECT TITLE  YOU WANT US TO SEND TO YOU, AMOUNT PAID, DEPOSITOR NAME, UR EMAIL ADDRESS,PAYMENT DATE. YOU WILL RECEIVE YOUR MATERIAL IN LESS THAN 2 HOURS ONCE WILL CONFIRM YOUR PAYMENT.

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CHAPTER ONE

  • INTRODUCTION 1
  • BACKGROUND OF THE STUDY 3
  • STATEMENT OF THE PROBLEM 4
  • OBJECTIVES OF THE STUDY 6
  • SIGNIFICANCE OF THE STUDY 7
  • SCOPE AND LIMITATION OF THE STUDY 8
  • DEFINITION OF THE TERM 8

 

CHAPTER TWO

  • AN OVERVIEW OF BANKING HABITS 10
  • INTRODUCTION 10
  • THE MEANING OF BANKING 12
  • THE IMPROVEMENT OF BANKING HABITS 15
  • THE IMPORTANCE OF BANKING BY

RURAL DWELLER                                                        15

 

CHAPTER THREE

  • SUMMARY 24
  • CONCLUSION 28

BIBLIOGRAPHY                                                    33

 

 

 

 

 

 

 

 

 


CHAPTER ONE

INTRODUCTION

          The establishment of the community banking system in December 1990 is an attempt to resolve the perennial problem of unavailability of credit facilities to the  rural producers. In the past eight years, the 1014, community bank that are operational in the country show that the economy has a special place for them, the community are unique because of their community ownership and special clients. The community banking system has been tested and it has shown resilience as a result of its unique community ownership which does not allow them to die easily even when they are experiencing spill – over effect of a distressed economy.

          The rural small scale producers and other information economic operations are very critical for the growth of Nigeria economy. Effort at integrating these groups of people into the management of the national economic have been divers but with little positives effects. Programmes ranging from direct interactions in production such as in agriculture, creation of employment and micro credit for the poor have been embarked upon at different times.

          The low – level education and outright illiteracy of the rural people have made participation difficult. The rural people have preferred using their old but functional local credit mobilization system which through informal, serve their purpose. In many part of Nigeria, the system is known as “aju” or “isusu” or “bam” and adashe” the main characteristics of these local system are voluntary contributions from members on daily, weekly or monthly basis. Such monies collected are given out as loans top needly members according to the rules, nominal interest are charged on the loan. Where any member defaults, appropriate and mutually accepted sanctions are imposed.

          In spite or rapit modernization of the banking system with many attractive products, the influence of these local credit institutions is still very high among the grassroots people. The conventional bank  continue to regard them as high risk fund borrowers and users.

          The cost of administering such credit to the poor is not profitable for them, they claim.

          Sustainable development at the grassroot level of difficult to achieve because of the lack of proper economic structures and policies. This then is the vacuum that the community banking system came to fill.

 

BACKGROUND OF THE STUDY

          Following the incessant abuse of money by those in the rural areas unnecessary embarrassment from hoodlums and the like of them, then their arose this great need to establish community banks in the rural areas in order to safe guard the wealth  acquired by the rural dwellers.

          Sequel to the establishment of community bank in the early 90ths, a lot of achievement haven been recorded. The poor banking habit of the rural dwellers have to a great extent been reduced. The people no longer carry money about as it was the case before the incessant harassment from hoodlums have been reduced tremendously and the people have learnt to keep money in the bank either for transitive, precautionary or speculative motive this enhancing the well being of man and its environs.

STATEMENT OF THE PROBLEM

Predatory acts by the commercial bank recapitalization to be N3 million for urban CBS and NI.5 million for rural CBS; poor staffing as a result of low capital unauthorized and unsecured loan, poor internal control and auditing, high overhead cost, non – issuance of final license and share capital certificates and limited making loan t

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