Abstract

Problem of small scale term holders to Nigeria alone there are similar problems all over the developing countries. So far agricultural credit is a known limiting factor to the realization of the dream of this group of farm holders (small scale holders) improve producing despite the birth of the Nigeria small holders had largely been neglected. The need for agricultural credit is to improve other things in agricultural production the impact of bank lending to agricultural development had been favoured in the discussion from the researcher investigation the poor performance of institution credit is not uncollected with farmers themselves judging from their basic attitudes towards loan obligation and their basic features which make lending in this sector it therefore recommended that farm holders should be unlighted inculcate the spirit of loan discipline to take insurance cover against insurable hazard and should be encouraged to form a viable co-operation societies and other farmers group to attract institution credit.

TABLE OF CONTENTS

Title page---------i

Approval page--------ii

Dedication--------iii

Acknowledgement-------iv

Abstract---------v

Table of content-------vi

CHAPTER ONE

INTRODUCTION

1.1Background to the Study------1

1.2Statement of the Problem------4

1.3Objective of the Study------5

1.4Significance of the Study------6

1.5 Research Questions-------8

1.6 Scope of the Study-------9

1.7Limitations of the Study------10

1.8 Definitions of Terms-------11

CHAPTER TWO

LITERATURE REVIEW

2.0Introduction--------14

2.1The Concept of Small Scale Farm Holder---17

2.2The Types of Small Scale Farm Holder---20

2.3Causes of Credit Institution on Farm Holders--22

2.4Effect of Agricultural, Loan Procurement and Credit Facilities on Small Scale Holder------31

2.5Measures of Application Requirement---32

2.6Challenges of Agricultural Finances on Small Scale Farm Holders by Bank-------35

2.7Appraisal and Summary of Literature Review--39

CHAPTER THREE

RESEARCH METHODOLOGY

3.0Introduction--------42

3.1Brief History of Kabba/bunu Local Government-42

3.2Population of the Study------44

3.3Sample Size and Technique-----45

3.4 Sources for Data Collection-----46

3.5 Method of Data Collection------47

3.6Statistical Tools for Analysis of Data Collected--48

3.7Problem of the Methodology-----49

CHAPTER FOUR

DATA PRESENTATION AND ANALYSIS

4.1Introduction--------50

4.2Data Presentation and Analysis -----50

4.3Observation/Discussion of Finding----64

CHAPTER FIVE

SUMMARY CONCLUSION AND RECOMMENDATIONS

5.1Summary---------65

5.2Conclusion--------65

5.3Recommendations-------66

5.4Recommendation for Further Study----67

Bibliography

Appendix