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TITLE PAGE

THE PROBLEM ASSOCIATED WITH RURAL HOUSING FINANCE

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, "the problem associated with rural housing finance" 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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TABLE OF CONTENT
COVER PAGE
APPROVAL PAGE
DEDICATION
ACKNOWLEDGEMENT
TABLE OF CONTENT
1.0       INTRODUCTION
1.1       BACKGROUND OF THE STUDY
1.2       STATEMENT OF THE PROBLEMS
1.3       AIM AND OBJECTIVES
1.4       SIGNIFICANCE OF THE STUDY
1.5       SCOPE OF THE STUDY
1.6       LIMITATION OF THE STUDY
1.7       STUDY AREA
1.8       DEFINATION OF TERMS

CHAPTER TWO
2.0   LITERATURE REVIEW
2.1   INTRODUCTION
2.2       CONCEPTUAL FRAMEWORK
2.2.1   CONCEPT OF RURAL HOUSING
2.2.2   CONCEPT OF HOUSING FINANCE
2.2.3   METHOD OF RURAL HOUSING FINANCE
2.2.4   PROBLEMS OF RURAL HOUSING FINANCE
2.2.5   SOURCES OF RURAL HOUSING FINANCE
2.3   SUMMARY OF LITERATURE REVIEW.

CHAPTER THREE
3.0       RESEARCH METHODOLOGY
3.1       INTRODUCTION
3.2       RESEARCH DESIGN.
3.3       TARGET POPULATION
3.4       SAMPLE FRAME
3.5       SAMPLE SIZE
3.6       SAMPLE TECHNIQUES
3.7       SOURCE OF DATA COLLECTION
3.7.1   PRIMARY SOURCE OF DATA
3.7.2   SECONDARY SOURCE OF DATA COLLECTION

• INSTRUMENT FOR DATA COLLECTION

3.9           METHOD OF DATA ANALYSIS
3.10    SUMMARY OF RESEARCH METHODOLOGY

CHAPTER FOUR
4.0  DATA PRESENTATION ANALYSIS
4.1  INTRODUCTION
4.2       NATURE OF HOUSING IN ALAPA
4.3       EXAMINE GOVERNMENT EFFORT IN RURAL HOUSING PROVISION
4.4       IDENTIFICATION OF SOURCE OF FUND IN RURAL HOUSING AREA.

CHAPTER FIVE
5.0  SUMMARY, CONCLUTION AND RECOMMENDATION
5.1  SUMMARY OF FINDINGS
5.2       CONLUSION
5.3       RECOMMENDATIONS 

CHAPTER ONE
1.0       INTRODUCTION
1.1       BACKGROUND OF THE STUDY
Housing finance is one of the basic needs of every individual, the family and the community in general.
As a pre-requisite to the survival of a man, it refers to security or safety and ranks second in the physiological needs, otherwise called clothing and food in the Abraham  Maslow’s “Hierarchy of need Theory” propounded in (1976)
The housing which is a unit of the environment, has a profound influence on the health, efficiency, social behavior, satisfaction, and general welfare of the community.
It reflects the cultural, social and economic values of a society, as it is the best physical and historical evidence of civilization in a country. The importance of providing adequate housing in any country cannot be overstated, hence it is a stimulant of the national economy.
In most developed countries, housing sector contributes significantly to the performance of their economy. Increase in the housing market activities usually indicates a strong economy, while a decrease in the market portrays weakness in the economy.
Governments should therefore encourage and foster the establishment of financial institutions to offer credit for housing development and also adopt such fiscal policies as will ensure that a larger portion of the national wealth is made available for housing development. As a specific case, governments should consider the establishment of housing developments funds or the issue of development stocks for housing. If the postulate that housing is a national social problem is accepted, then the private sector should take its share of the responsibility to supplement and reduce the reliance on governmental efforts.
Commercial and industrial concerns, and other organization should be made to include in their development programmes, plans for providing for workers, the rural dwellers are not privileged to have access to housing finance system.
This is as a result of population explosion and continues influx of people. Finance being universally accepted as one of the basic needs of individuals as the second after food that is most important and essential in human life.
The problem of rural housing finance that serves as impediments to the successful implementation of housing finance and programmes in the study area.
Housing finance is considered the most important factor of rural area problem in Nigeria, adequate housing finance therefore the first requirement for a new develop area in any nation.
This is because there are so many problems associated with rural housing finance development such as adequate and effective buildings in the study area, there are some mud structure of building presently which suppose not to be so.The importance of housing finance delivery is stressed by Agboola (1998) who asserted that without a well-organized and efficient housing mechanism, the goals of rural housing finance development policy will be largely in attainable.

1.2       STATEMENT OF THE PROBLEMS
The problem of rural housing has become on everyday discussion in all quarters of the public and private sectors of the developing countries by J. Abiodun. This is emphasized by Olotuah (2000), that the pooled effect of high population large increase and urbanization in declining economy has thrown Nigeria into serious housing problems.   
Ironically, the low income groups and poor who constitute the majority in the Nigeria society are most affected by the finance and housing menace.

            In Alapa village, the problem that is being generalized to each household includes;

• Lack of pipe borne water
• Absence of desence building
• Service and facilities, such as access of motor able road apart from the main road.

      In other to provide answer to these problems, some questions must  be raised, these includes;
Why has rural housing finance remained passive and irrelevant in drive toward housing delivery?
Is there any existing superstructure of housing finance that caters for rural housing in the study areas?
How has individuals contributed to the financing of rural areas?

1.3       AIM AND OBJECTIVES
The aim of this study is to examine the problems associated with rural housing finance in Nigeria. In other to achieve this aim, the following objectives where required.

OBJECTIVE OF THE STUDY

• To identify the types of housing development within the study area.
• To examine the sources of rural housing finance. \
• To investigate the problem of rural housing finance

1.4       SIGNIFICANCE OF THE STUDY
The relevant of this project is to provide some essential useful information and suggestion to the developer as to the development of rural housing finance in the study area.
This research project will also serve as useful information to the government tactic sensitized the various level of government to rise up to their responsibilities to provide necessary housing facilities, social services within the study area.
It will also be of help for students and researcher for further investigation.

1.5       SCOPE OF THE STUDY
The disciplinary scope of the study is to examine the magnitude of rural housing problem in Nigeria, where the spatial scope is to cover the Alapa Village of Asa Local Government, Kwara State. And the target population are the resident Of Alapa village.

1.6       LIMITATION OF THE STUDY
The smooth execution of this study was hampered by certain constraints.

• Adequate information: - The information gathered during the research was not totally received from the villagers, the people living in the village seem to be under informed, some question asked about their own town even seem strange to them as they don’t have any idea of what it entails.
• The time limit with into undertaken that study is another limitation where respondent delay in giving information.
• Lack of capital or fund to be used in many/various aspects e.g. transportation fees from school to case study and other element that require finance.

1.7       STUDY AREA
HISTORICAL BACKGROUND
The history of Alapa is located at Asa local government of Kwara state, and it was located at kilometers so from Oko-olowo in Ilorin Kwara state to Alapa. The people of Alapa are Yoruba with common ancestor in Oyo ile, there are sub-ethnic group with distinct dialect peculiarities. Alapa was located at the center of Adigbongbon which is surrounded by some villages like Ojugbere, Mondala, Alaaya, Baiko, Sosoki (a well known village to Lamba), Alapa people are predominantly farmer who grow food crops, cash crop and also rearing of livestock. The area is equally blessed with cassava in which they turn it to cassava flour (Elubo) they also move the product to so many places in the state, some houses presently structure unflustered block and also it lack basic facilities and social amenities such as untraced road, apart from the main road, Sewage disposal and other necessary facilities, Alapa was also called MOJA (mat weaving)which the villagers were able to locate in center place to state ONIRE still (mat weaving) in Yoruba language which has never happen before in there villages he welcome Adigbongbon to start ocuce, they now move to a junction where the tree was located and beside there still a small tree which was called KERE and the village was originated from tree called (APA TREE) where people meet in the village and sell market, that is where they generate Alapa village, According to the people in the village they let me know that no one can tampered the tree since then, even when government came for the construction of road during the time of election the Magaji and the villagers did not  accept the government to dig the tree that why they couldn’t do it since then (APA) tree was now generated to Alapa tree which is maintain.

 1.8      DEFINATION OF TERMS
FINANCE
Can be describe as the science of money management a key point of finance is time value of money which states that purchasing power of one unit currency can vary over time. Berezin (2005).
FINANCES
Is a field that deals with the allocation of assets and liabilities over time under condition of certainty and uncertainty.
            HOUSE
According to Omole (2004) houses are apartments or accommodation erected for people to live in, usually for families lodgers.
HOUSING
Akomolede (2001) stated that housing is one of the basic necessities of life and the quality of housing produced is as important as the number produced in sowing like problems.
HOSING FINANCE
Akeju (2007), stated that housing finance could be regarded as the various strategist of bringing house to the affordable level of the people in a particular state or country.

            RURAL HOUSING

These are located in the rural areas and they are usually characterized by simplicity of design and use of local building materials such as mud raffia palm, bamboo and wood. In the context of the most developing countries, rural housing is characterized by absence of adequate services such as pipe born water and sanitary facilities Agboola, (2003).

1.9                                                    PLAN OF THE STUDY
This project work is basically divided into five (5) chapters.
CHAPTER ONE: Takes on the introduction of the subject matter. If consists of the super significance and definition of terms of the study.
CHAPTER TWO: This is the literature review this entails the works that had been done on this particular topic which was done by other researchers.
CHAPTER THREE: Will talk about the Methodist that the researcher adopted in getting necessary materials or information that will facilitate the success of the research work.
CHAPTER FOUR: Explain how the researcher was able to analysis and present the data he got for his work while the chapter:
CHAPTER FIVE: Brings everything to conclusion the researcher does his summary and give necessary recommendation where needed.

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CHAPTER TWO: The chapter one of this work has been displayed above. The complete chapter two of "the problem associated with rural housing finance" is also available. Order full work to download. Chapter two of "the problem associated with rural housing finance" consists of the literature review. In this chapter all the related work on "the problem associated with rural housing finance" was reviewed.

CHAPTER THREE: The complete chapter three of "the problem associated with rural housing finance" is available. Order full work to download. Chapter three of "the problem associated with rural housing finance" 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 "the problem associated with rural housing finance" is available. Order full work to download. Chapter four of "the problem associated with rural housing finance" 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 "the problem associated with rural housing finance" is available. Order full work to download. Chapter five of "the problem associated with rural housing finance" consist of conclusion, recommendation and references.

 

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