THE IMPROVEMENT OF BANKING HABIT OF RURAL DWELLERS BY COMMUNITY BANK
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- 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
- 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
- SUMMARY 24
- CONCLUSION 28
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