COMMUNITY BANKING AND ITS EFFECT ON THE DEVELOPMENT OF BANKING HABIT AMONGST NIGERIANS - A STUDY OF SELECTED COMMUNITIES

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dc.contributor.authorSA'EED YAR'ADUA, ALIYU ASGHAR
dc.date.accessioned2014-02-28T10:47:11Z
dc.date.available2014-02-28T10:47:11Z
dc.date.issued2014-02-28
dc.descriptionBEING A PROJECT SUBMITTED TO THE POST GRADUATE SCHOOL AHMADU BELLO UNIVERSITY, ZARA. IN PARTIAL FULFILLMENT OF THE REQUIREMENT FOR THE AWARD OF MASTERS DEGREE IN BUSINESS ADMINISTRATION OF AHMADU BELLO UNIVERSITY DEPARTMENT OF BUSINESS ADMINISTRATION INSTITUTE OF ADMINISTRATION AHMADU BELLO UNIVERSITY ZARIA - NIGERIA.en_US
dc.description.abstractFor many years efforts were made to involve sub-urban and rural people in Nigeria in modern banking practice, so as to intergrate the rural community into the manstream financial system of the country. Apart from encouraging establishment of commercial and merchant banks, specialised development banks were created focusing on mortgage, agriculture, savings, industry and other specific areas. Beyond this, rural branches were made mandatory for the commercial banks so that the interest of the rural people could br attracted and held in the conventional banking system. It is also a known fact that banking habit, particularly among semiliterate urban duellers and the illiterate rural populace is very low or even non-existent in some areas. The fact that people still prefer to carry-out their business transactions with cash and not through the banks testify to this, as business actuaties in the Nigerian local markets, with transactions running into hundreds of millions of Naira are being carried out daily purely on cash and cerry basis. This problem persisted over the years and led the government to seeking acceptable solutions through its various agencies. The Central Bank of Nigeria's induction that specific number of rural branches must be opened by commercial banks, before approval is given to them to open new urban branches, is the first major step. Today there are 756 rural bank branches all over the federation, but have not been able to make banking attractive to the people for whom they were established. The government through the Directorate of Food, Roads and Rural Infrastructure (DFRRI), come up with the idea of the Community Banking System (CBS) with the aim of addressing the development and incantation of banking habit among the rural peasants and the low income urban dwellers. The question is how effective was the policy in calculating the desired banking habit among these classes of the citizenry? That is to say has the introduction of the community banking system made any significant impact in this area? Answer to the above questions is the primary concern of this research work.en_US
dc.identifier.urihttp://hdl.handle.net/123456789/2983
dc.language.isoenen_US
dc.subjectCOMMUNITY,en_US
dc.subjectBANKING,en_US
dc.subjectEFFECT,en_US
dc.subjectDEVELOPMENT,en_US
dc.subjectBANKING,en_US
dc.subjectHABIT,en_US
dc.subjectAMONGST,en_US
dc.subjectNIGERIANS,en_US
dc.subjectSTUDY,en_US
dc.subjectSELECTED,en_US
dc.subjectCOMMUNITIESen_US
dc.titleCOMMUNITY BANKING AND ITS EFFECT ON THE DEVELOPMENT OF BANKING HABIT AMONGST NIGERIANS - A STUDY OF SELECTED COMMUNITIESen_US
dc.typeThesisen_US
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