AN EVALUATION OF CREDIT FACILITIES AVAILABLE TO RURAL WOMEN IN BUSINESS: A CASE STUDY OF UNITED BANK FOR AFRICA (UBA)- SAMARU BRANCH
AN EVALUATION OF CREDIT FACILITIES AVAILABLE TO RURAL WOMEN IN BUSINESS: A CASE STUDY OF UNITED BANK FOR AFRICA (UBA)- SAMARU BRANCH
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Date
1997-11
Authors
MOHAMMED, Zakari, MRS, Aisha
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Abstract
This study investigated the credit facilities available to
rural women in business; The case of United Bank of Africa, Samaru
Branch. The study also attempted to find out:
1. The lending practices and procedures of the bank, U.B.A.
Samaru Branch with the sole aim of identifying lapses if
any.
2. The efficiency of the bank's lending policies in terms of
bad debts and ways of effecting repayments of the loan
and interest when due or in case of default.
3. The problems perceived by both the bank and rural women
with respect to credit functions in U.B.A. and make
recommendations to improve the functions.
The main research techniques adopted to collect data was
mainly personal interview of both the bank officials and the
beneficiaries of loans from the bank. The data collected was
simply analyzed using simple descriptive statistics i.e.
(percentage, frequency tables).
It was found that UBA Samaru Branch considered lending as the
most important services and thus gave loans for production, general
commerce and services, public utilities and transport. The
findings also revealed that lending principles of the bank holds
character and capability of the customer very important, and that
a good security and the ability of the customer to repay the loan
when due was also considered before a lending decision was made by
the bank,
However, the findings revealed amongst other things that the
beneficiaries of UBA loan complained that the conditions attached
to the loan posed a serious constraint to rural business women
particularly when most of them are illiterate and thus, were either
unaware of such credit facilities or those that are aware cannot
grasp the procedure of procuring such credit. Appropriate
suggestions and recommendations in view of the findings were also
given.
Description
A PROJECT SUBMITTED TO THE POST GRADUATE SCHOOL, '
AHMADU BELLO UNIVERSITY, ZARIA IN PARTIAL
FULFILLMENT OF THE REQUIREMENTS FOR THE
AWARD OF MASTER OF BUSINESS ADMINISTRATION
(MBA) DEGREE
DEPARTMENT OF BUSINESS ADMINISTRATION
FACULTY OF ADMINISTRATION
AHMADU BELLO UNIVERSITY
ZARIA
SEPTEMBER, 1997
Keywords
EVALUATION,, CREDIT,, FACILITIES,, AVAILABLE,, RURAL WOMEN,, BUSINESS,, CASE STUDY,, UNITED BANK,, AFRICA (UBA),, SAMARU BRANCH