For more Business Administration Project click here
PROPOSAL
TOPIC: THE LOAN POLICY AND ITS EFFECTIVE
MANAGEMENT IN CO-OPERATIVE CREDIT SOCIETIES
(A CASE STUDY OF IBARAPA EAST LOCAL
GOVERNMENT STAFF C.I.C.S, ERUWA)
The
evolution of co-operation and of co-operatives society is an area of interest
to a related body of knowledge. The monopolistic and monopolistic elements in
these markets which work to the disadvantage of the small producer and
consumers and the price correcting influences, the effect of enlarging competition
which co-operatives can bring to bear on this situation has made it imperative
for the establishment of an effective machinery like the co-operative for
sustainable development.
The
project is embedded with stature review i.e. the loans policy, the purpose of
loan, conditions governing loans, the application for loans, granting of loans
to another society and non member, the maximum credit limit , interest on loan,
bonds and sureties and the duties of the sureties, the recall of loan , the
outside borrower, the procedure for loan disbursement, appropriation of debt
payment loan management special or additional loans. The causes of over – due
loans e.t.c .
REFERENCES: MASLENNIKOU V.
(1983): The co-operative movement Asia,
African progress publisher Moscow.
ODEBANJO M.O: Co-operative guide for
trade unions the African labor center New York.
OKAFOR .C. (1979): Co-operative
societies in Nigeria.
Journal of co-operative studies
In
this chapter it will emphasizes on research methodology, it will talk on population
the instrumentation data collection techniques and personal interview, data
presentation and interpretation with observation based on the case study
GEOGRAPHICAL LOCATION: Ibarapa east
local Government staff C.I.C.S:
These
include statistical presentation of data findings (of CASE STUDY MEMBERS) i.e.
sex and classification, year of experience, marital status, Academic
Qualification, sex distribution of respondents and Age and cross analysis of
finding.
In
conclusion: These include summery, conclusion
and recommendations. Co-operative
society is not a profit making society, therefore in the rural credit society;
all surplus finds made were ploughed back into the reserve fund.
The
loan can be managed by planning, co-ordination and controlling the member
investment in co-operative to ensure that loan is met for this to be effective,
loan policy should be formulated and adhere to strictly.
Misappropriation
of societal funds by elected officials is very rampant in Nigerian Co-operative
societies formulation and communication of good policy in our credit society
will ensure effective management of resources and remove unnecessary biases
from the minds of the members.
TABLE OF CONTENTS
Title page
Certification
Dedication
Acknowledgement
Proposal
Table of content
CHAPTER ONE
1.0 Introduction
1.1 The principles
of Co-operation among Co-operatives
1.2 Source of
funds for Co-operatives Societies
1.3 Definition of
Co-operatives societies
1.4 Purpose of the
study
1.5 Statement of
the problem
1.6 Objective of
the study
1.7 Research
methodology
1.8 Scope of the
study
1.9 Limitation
1.10 Historical
background of the case study
1.11 Definition of
terms.
CHAPTER TWO
2.0 Literature
review
2.1 Loan policy
2.2 The purpose of
loan
2.3 Condition government
loans
2.4 The
application of loans
2.5 Granting of
loan to another society and non members
2.6 The maximum
credit limit
2.7 Interest on
loan
2.8 Bonds and
sureties and the duties of the sureties
2.9 The recall of
loan
2.10 The outside
borrowers
2.11 The procedure
for loan disbursement
2.12 Appropriation of
debt payment
2.13 Loan management
2.14 Cash budgeting
2.15 Credit committee
2.16 Supervisory
committee
2.17 Additional or
special loans
2.18 The causes of
over-due loans
CHAPTER THREE
3.0 Research
methodology
3.1 The population
and method of sample selection
3.2 Sampling of
plan
3.3 Instrument of
data collection
3.3.1 Questionnaire
3.3.2 Direct and
personal interview
3.3.3 Secondary data
3.4 Data
presentation and interpretation
CHAPTER FOUR
4.0 Statistical
presentation of data
4.1 Cross
analysis of finds
CHAPTER FIVE
5.0 Summary,
conclusion and Recommendations.
5.1 Summary
5.2 Conclusion
5.3 Recommendation
Appendix
Reference
Research questionnaire
CHAPTER ONE
1.0 INTRODUCTION
The co-operative society is a potent
wheel for the transformation of the social and economic life of human being is
no longer a contestable fact.
Since the experiment of the Rockdale
equitable pioneers society in 1844 has proved successful, the co-operative
movement has became a sector to be reckoned with all over the world continues,
particularly less developed countries (LDC) that fail to recognize and
appreciate its efficacy and potency in effecting positive social and potency in
effecting positive social and economic development are doing so at their own
peril. The reason for the assertion is that in such countries there is a
preponderance of the poor and economically disadvantages among the populace
coupled with noticeable defeats in the various markets.
The monopolistic elements in these
marketswith work to the disadvantages of the small producers and consumer and
the price correcting influence. The effect of enlarging competition which
co-operatives can bring to bear on this situation has made its imperatives for
the establishment of an effective machinery like the co-operative societies for
sustainable development.
However , the word “co-operative”
come from the word “co-operative” The oxford Advanced learner dictionary
defines co-operation as “The spirit of working together or acting together for
a common purpose”. The evolution of co-operation and of co-operative society is
an area of interest to a related body of knowledge: the definition given above
flows a logical dedication element must be present before co-operation is said
to exist.
-
It
is an association lf more than one person
-
There
is willingness or voluntaries of memberships.
-
Interaction
towards a common cause. From these three , we may define co-operative societies
as an association of people has as its
object the promotion of the economic interest of member and in accordance with
co-operative principles.
There goal must not be for profit
making.
The
features of co-operative society are following listed bellow:
A.
Objective
is not for-profit making: Infects, the Rockdale principle upon which co-operate
is predicated forbids profits as motive
. At best, co-operative society makes surplus, which is apportioned in line
with its enabling lanes.
B.
Membership
is voluntary and opened to individuals with common interest. Minimum is two,
maximum is at societies discretion.
C.
Equal
opportunity to participate in management through democratic process.
D.
Co-operative
capital is raised by members. Her qualify for one vote in the decision making
process.
1.1 THE PRINCIPLES OF CO-OPERATION AMONG CO-
OPERATIVES
The
principles that is of significant relevance to this paper is co-operation among
co-operative. This principles is emphasizing interaction among various
co-operative societies if co-operative organization would have to co-operate to
render optimum services to their members and immediate communities they operate
actively practical way with other co-operative local , national and
international levels. The international co-operative alliance (ICA), which is
the apex body that represents all forms of co-operatives at international for
is therefore an embodiment of this principles.
The
human urge for social acceptance is in mate and intrinsic there something in
human natural that is natural which propels the human mind to desire social
acceptance and recognitions. The desire for social international and there fore
is part and parcel of naturalness both in human psychology and physical nature.
A human mind with social vacuum is said to be desolate.
For more Business Administration Project click here
___________________________________________________________________________
This is an Undergraduate Thesis and the complete research material plus
questionnaire and references can be obtained at an affordable price of N3,000
within Nigeria or its equivalent in other currencies.
INSTRUCTION ON HOW TO GET THE COMPLETE PROJECT MATERIAL
Kindly pay/transfer a total
sum of N3,000 into any of our
Bank Accounts listed below:
·
Diamond
Bank Account:
A/C Name: Haastrup
Francis
A/C No.: 0096144450
·
GTBank Account:
A/C Name: Haastrup
Francis
A/C No.: 0029938679
After payment, send your desired Project Topic,
Depositor’s Name, and your Active E-Mail Address to which the
material would be sent for downloading (you can request for a downloading link
if you don’t have an active email address) to +2348074521866 or +2348066484965.
You can as well give us a direct phone call if you wish to. Projects materials
are sent in Microsoft format to your mail within 30 Minutes once payment
is confirmed.
--------------------------------------------------------
N/B:
By ordering for our material means you
have read and accepted our Terms and Conditions
Terms
of Use: This is an academic paper. Students
should NOT copy our materials word to word, as we DO NOT encourage Plagiarism.
Only use as guide in developing your original research work.
Delivery Assurance
We are trustworthy and can never SCAM you. Our success story
is based on the love and fear for God plus constant referrals from our clients
who have benefited from our site. We deliver project materials to your Email
address within 15-30 Minutes depending on how fast your payment is acknowledged
by us.
Quality Assurance
All
research projects, Research Term Papers and Essays on this site are well
researched, supervised and approved by lecturers who are intellectuals in their
various fields of study.
