ABSTRACT

Public policy is the pronouncements of government intentions by people in positions of public trust, demanding government actions or inaction and having impact either negative or positive, on the majority members of the society.

Moreso, poverty is a negative term denoting absence or lack of material wealth.

Poverty alleviation in the other hand has been one of the major economic objectives of various administrations in Nigeria.

During to these landlable objective, various programmes like ADP, GR., OFN Poverty alleviation like SAP, DEERI, NDE, PAP, NPEP, FEAP, FSP, Community Banks were all initiated to assist. Fight poverty alleviation.

The scourges of poverty in our midst are in from of deplorable having conditions, starvation, poor health, high rate of illiteracy and inadequate clothing. The researcher chooses people’s Bank of Nigeria because it is a micro credit agency aimed at sustaining poverty alleviation’s.

The researcher review some of past policies and programmes in order to kind out why all these programmes hadn’t made a remarkable improvement on poverty alleviation.

It was ground out that agricultural programmes could not make much impact as both the government and citizens paid only lip services to the programmes. Corruption, policy discontinuity and marginalsation contributed a lot or these programme not having much impact. other economic programmes such as NDE and PAP were stiffed of find. Loan default also contributed to its low impact.

Micro credit agencies like PBN would have done much in alleviating poverty but couldn’t due to gross financial misappropriation.

Problem like repayment of loan given to applicants, unreliable facts supplied by applicants crippled the activities of the people’s bank to an extent.

Inadequacy of lovable finds and stringent loan conditionalities made many intending applicants not to apply.

All these findings were asctaried through reviews of related literatures journals, Newspapers, handbooks, flyers, interviews and questionnaires.

The researcher made use of the staff of people’s Bank, farmers, individual loan Applicants, cooperative societies and non-governmental organizations as its population.

The data was collected, presented and analyzed, using simple percentage and tables.

The researcher also found out from the data that if these loans are chanted to the expert financial and agencies trained from such that poverty would have been alleviated to a drastic level.

In the high of the above the recommendations were made as follows:

That money and disbursement of loan should be given to trained expert banks and agencies specialized in it.

That agencies initiated for poverty alleviation should be decentralized to the level of local government over-seen by start level of that bank or agencies for smooth and easy implementation.

That the burden of funding of this poverty alleviation should not be left alone to federal government should assist.

Loan applicants should be guided and sensitized to understand that loans are not national cakes but meant for investment.

Loan disbursement should not be instalmentally but once.

Finally, those conditionalites of loan should be softened to make it more affordable to applicants

TABLE OF CONTENTS

Title page

Approval page

Dedication

Acknowledgement

Table of contents

Abstract

CHAPTER ONE

1.1 Introduction / background of study

1.2 Statement of problem

1.3 Objective of the study

1.4 Significance of the study

1.5 Research questions

1.6 Scope and limitations of the study

Reference

CHAPTER TWO

2.0 Literature review

2.1 What is public policy

2.2 Ideologies of poverty

2.3 Who are poor

2.4 Cause of poverty

2.5 Measurement of poverty

2.6 Poverty in Nigeria an overview

2.7 The church and poverty asseveration

2.8 Non–governmental organizations and poverty asseveration

2.9 reviews of some of the poverty asseveration programme in Nigeria

References

CHAPTER THREE

3.0 Research methodology / procedure

3.1 Populations

3.2 Method and sources of data collection

3.3 Description of instrument used

3.4 Treatment of data / method of data analysis

Reference

Bibliography