THE MANAGEMENT OF DIRECT SMALL HOLDER AGRICULTURAL LOAN PORTFOLIO A CASE STUDY OF NACB LTD, KADUNA
THE MANAGEMENT OF DIRECT SMALL HOLDER AGRICULTURAL LOAN PORTFOLIO A CASE STUDY OF NACB LTD, KADUNA
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Date
2014-03-31
Authors
MOHAMMED., ABDULSAMAD. N.
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Abstract
Direct Small Holder Agricultural Loan portfolio Management is a major task that must
be done if the existing long standing creditable Small Holder clients of the bank are to be
retained and not lost to Commercial and Merchant banks. This involves the use of heuristic to
the most complicated techniques for decision making. This should be done in such away that
funds obtained from both federal and capital markets are not totally put into risky and hopeless
transactions that would lead to the collapse of the bank. On the other hand, profitability must
be ensured through making loan able funds available and at the same lime maintaining adequate
liquidity, safely, survival and growth of the bank. The study reveals that the financial
requirements of the Lew Small Scale farmers nationwide who applied for the loan could not be
met despite the fact that they form the bulk of the farming population in the country. This is a
s a result of inadequacy of funds. Also less than half of the amount approved and disbursed were
recovered. This is as a result of poor managment of the portfolios.
The analysis done and the solution proffered in this project work will be of immense
contribution to knowledge when the issue of Agricultural Loan portfolio management relating
to Nigerian Agricultural and Cooperative Bank Ltd is concerned.
In view of the findings from this research work, some suggestions and proposals have
been made to the Government and management of the bank which if properly and promptly
implemented will help sustain the survival and development of the bank.
Description
AHMADU BELLO UNIVERSITY ZARIA
IN PARTIAL FULFILMENT OF
REQUIREMENTS FOR THE DEGREE OF
MASTERS OF BUSINESS
ADMINISTRATION ( M.B.A)
DEPARTMENT OF BUSINESS ADMINISTRATION
INSTITUTE OF ADMINISTRATION
A.B.U., ZARIA
Keywords
MANAGEMENT,, DIRECT,, AGRICULTURAL,, LOAN,, PORTFOLIO,, NACB LTD,, KADUNA.