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TITLE PAGE

ASSESSMENT OF THE IMPACTS OF MICRO-FINANCE INDUSTRY ON THE DEVELOPMENT OF THE RURAL AREA IN NIGERIA

BY

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EE/H2013/01430
DEPARTMENT OF ----
SCHOOL OF ---
INSTITUTE OF ---

DECEMBER,2018

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APPROVAL PAGE

This is to certify that the research work, "assessment of the impacts of micro-finance industry on the development of the rural area in nigeria" by ---, Reg. No. EE/H2007/01430 submitted in partial fulfillment of the requirement award of a Higher National Diploma on --- has been approved.

By
---                                                     . ---
Supervisor                                                  Head of Department.
Signature……………….                           Signature……………….        

……………………………….
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External Invigilator

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DEDICATION
This project is dedicated to Almighty God for his protection, kindness, strength over my life throughout the period and also to my --- for his financial support and moral care towards me.Also to my mentor --- for her academic advice she often gives to me. May Almighty God shield them from the peril of this world and bless their entire endeavour Amen.

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ACKNOWLEDGEMENT

The successful completion of this project work could not have been a reality without the encouragement of my --- and other people. My immensely appreciation goes to my humble and able supervisor mr. --- for his kindness in supervising this project.
My warmest gratitude goes to my parents for their moral, spiritual and financial support throughout my study in this institution.
My appreciation goes to some of my lecturers among whom are Mr. ---, and Dr. ---. I also recognize the support of some of the staff of --- among whom are: The General Manager, Deputy General manager, the internal Auditor Mr. --- and the ---. Finally, my appreciation goes to my elder sister ---, my lovely friends mercy ---, ---, --- and many others who were quite helpful.

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PROJECT DESCRIPTION: This work "assessment of the impacts of micro-finance industry on the development of the rural area in nigeria" research material is a complete and well researched project material strictly for academic purposes, which has been approved by different Lecturers from different higher institutions. We made Preliminary pages, Abstract and Chapter one of "assessment of the impacts of micro-finance industry on the development of the rural area in nigeria" visible for everyone, then the complete material on "assessment of the impacts of micro-finance industry on the development of the rural area in nigeria" is to be ordered for. Happy viewing!!!

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This study researches into the Assessment of the Impacts of Microfinance Industry on the Development of the Rural Area in Nigeria, A Case Study of Gaa-Akanbi Micro Finance bank Ilorin. It examines the significant of micro finance bank in Nigeria. It was concluded that knowing the population of rural area is very low, with special reference to Gaa-Akanbi Micro Finance Bank.

TABLE OF CONTENT
Title page                                                                         i
Certification                                                             ii
Dedication                                                               iii
Acknowledgement                                                    iv
Table of content                                                       v
Abstract                                                                   vi
CHAPTER ONE
INTRODUCTION

• Background to the study
• Statement of  the problem
• Aims and objectives of the study  
• Scope of the study
• Limitation  and constraints to the study

 

CHAPTER TWO
LITERATURE REVIEW

• Conceptual issue in micro finance industry
• Rational  for the establishment of microfinance
• Features of micro finance industry in  Nigeria
• Regulatory authority and  audlines.
• Meaning  and feature of rural area
• Rate of poverty in  rural  area
• Reason  for increasing  rate of poverty in  rural  area
• Impacts of micro finance bank towards eradicating poverty in rural area.
• Problems of union banks in eradicating poverty.

CHAPTER THREE
RESEARCH METHODOLOGY

• Data  collection method/techniques
• Data presentation  and analysis method
• Definition  of population
• Sample size and distribution
• Sample selection

CHAPTER FOUR
DATA PRESENTATION AND ANALYSIS, SUMMARY CONCLUSION AND RECOMMENDATION,

• Brief  history  of case study
• Data  presentation  and  analysis  
• Summary of findings
• Conclusion
• Recommendations

References
Appendix

CHAPTER ONE
INTRODUCTION
1.1   BACKGROUND TO THE STUDY
According to Banda M. (2002), micro finance industry is about providing finance service to the poor who are traditionally not serve by the conventional financial institution in Nigeria the formal financial system provides services to about 35% of economically active population which the remaining 65% are excluded from the access to financial services. The small and medium scale enterprises falls among the 6% who are not catered for financially. The financial need of most of these small and medium scale enterprises are catered for by the informal financial sector via non-government organization (NGO’s), friends, money under relatives as well as credit unions.
In order to enhance financial flow to the poor Nigerians who want to start up a small and medium scale business, the government has in the past initiated a series of publicly financed micro-credit programe and policies targeted at the poor. Some of such programe were agricultural credit guarantee scheme (ACGS), people bank of Nigerians community banks (CB), now micro finance bank etc. all these are aimed at empowering Nigerians and local productions.
Microfinance industry the main source of funding micro enterprises in Nigerian Africa and even other developing regions.
This study is aimed at undertaking a primary survey of micro finance institution or industry has helped inconditioning poverty in the rural area. It will also examine the framework of microfinance institution and also observed how the operation of micro-finance. To this research work will make a critical education of micro finance institution and wide examination of rural area (concentration on the level of poverty) and how the operations of the institution have helped in reading poverty.

1.2   THE FOLLOWING ARE THE PROBLEMS THAT NECESSITATED OUR CHOICE OF THE TOPIC:

• Conceptual framework of microfinance and microfinance industry in Nigeria.
• Reason for the establishment of microfinance banks
• Regulation bodies and regulatory guidelines the operation of micro-finance industry in Nigeria.
• Rate of poverty in the rural area.
• Reason for the increasing rate of poverty in rural area.
• Impact of microfinance banks in eradication poverty in the rural area
• Different and drawbacks encountered by microfinance banks while performing their function of poverty eradication.
• Solution to the problem of microfinance industry.

1.3   AIMS AND OBJECTIVES OF THE STUDY
The main purpose of this research work is to examine the assessment of the impacts of micro finance banks in eradicating poverty in the rural area. The aims and objective of the study are as follows:

• Examine the conceptual framework of microfinance industry in Nigeria
• Enumerate the feature and the meaning of a rural setting
• Discuss the rate of poverty in rural area
• Highlight the reason for the increasing rate of poverty in rural area.
• Expatiate the role and impact of micro-finance banks in eradicating poverty in rural area
• Examine the problems encountered by microfinance industry and the likely solution.

1.4   SIGNIFICANCE OF THE STUDY
This research work is descriptive in nature and to describe the impact or roles of microfinance bank/industry in eradicating poverty in rural area. This research work is also beneficial to the micro finance banks because it will examine the problems of micro finance banks critically and potters a solution to the problems.
Thus, this research will therefore, help in the overall economic development as it will encourage rural dwellers on the effective utilization of the microfinance banks never to them because this research work is describe and will educate the general public on the use of micro finance efficiently and effectively.
Finally, at the completion of this work the following group will benefit one way as listed below
A.     Micro finance institutions:
(i)     This research work will increase their scope of service and profitability
(ii)    The research work will also assist the micro finance banks in identifying their problems and proper likely dwellers.
B.     Rural-dwellers
(i)     This research work will educate the rural dweller on the impact of micro finance.
(ii)    The project will also educate the rural dweller on how to increase their saving and productivity.
(iii)   This research work will also eradicate poverty in rural area by educating the dweller on the effective use of the bank.
Traditional authorities will as well benefit from this project because it will increase their internal revenue generated as a result on increase in their level of productivity.
Finally, local and state government will benefit from this research work through the overall increase in standard of living in the rural area and the state at large.

1.5   SCOPE OF THE STUDY
This research work focus on assessment of the impact of microfinance banks in eradicating poverty in the rural area but because of the existence of some limiting factors the research work delaminate the study with special emphasis on Gaa-Akanbi community as the rural area under study as our sample population.
As a result of this, the research work is an historical case study and investigative based research. It emphasis on Gaa-Akanbi micro finance banks as a case study of the project.

1.6   LIMITATIONS AND CONSTRAINTS TO THE STUDY
In carrying out this research work, some of the limitation or problems encountered are:

• Financial constraints, because the research work is personally financed by the researcher.
• Inadequate materials to guide in carrying out the research work.
• Unenthusiastic attitude of some the respondent in divulging useful information about the research topic
• Serious rubbing of minds and brainstorming by the researcher, before unanimously putting down point on the research topic.

Problems of generalization of the final finding of the research to all rural areas in Nigeria However, despite all the limitation encountered during the research effort were made to ensure that the limitation did not serve as an obstacle or hindrance toward the successful competition of this research.

1.7                                                         PROJECT ORGANISATION
The work is organized as follows: chapter one discuses the introductory part of the work,   chapter two presents the literature review of the study,  chapter three describes the methods applied,  chapter four discusses the results of the work, chapter five summarizes the research outcomes and the recommendations.

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CHAPTER THREE: The complete chapter three of "assessment of the impacts of micro-finance industry on the development of the rural area in nigeria" is available. Order full work to download. Chapter three of "assessment of the impacts of micro-finance industry on the development of the rural area in nigeria" consists of the methodology. In this chapter all the method used in carrying out this work was discussed.

CHAPTER FOUR: The complete chapter four of "assessment of the impacts of micro-finance industry on the development of the rural area in nigeria" is available. Order full work to download. Chapter four of "assessment of the impacts of micro-finance industry on the development of the rural area in nigeria" consists of all the test conducted during the work and the result gotten after the whole work

CHAPTER FIVE: The complete chapter five of design and construction of a "assessment of the impacts of micro-finance industry on the development of the rural area in nigeria" is available. Order full work to download. Chapter five of "assessment of the impacts of micro-finance industry on the development of the rural area in nigeria" consist of conclusion, recommendation and references.

 

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