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PROJECT TOPIC: IMPACT OF COMMUNITY BANKS ON RURAL DEVELOPMENT (A CASE STUDY OF UMUEZE COMMUNITY BANK ENUGU)

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CHAPTER ONE INTRODUCTION

  • BACKGROUND OF THE STUDY

This study deals with the impact of community Banks on rural development.  But the study is on the Community  Bank in Enugu North Local Government.

In recent past, our rural dwellers have been finding it very difficult to save their money and other valuables in the Commercial Banks in urban areas.  This is because of the enormous paperwork involved in opening savings accounts and also the distance in moving from where they are living to an urban location of commercial banks.  Community Banks are established financial institutions to cater to the savings and credits needs of small-scale producers throughout the country.  In spite of government policy such as agricultural credit guarantee scheme, local dwellers face the constraint of not having a collateral to put down as security before loans could be secured.

Conclusively, the commutative effect of these trends above include; low productivities, slow pace to the development of the rural areas low accumulative capital to finance small-scale businesses.

  • STATEMENT OF PROBLEMS

Rural development is now a matter of crucial concern in most developing countries in general and Nigeria in particular.  Indeed the problem is to ensure that community banks have adequately impacted the rural communities.  However, some of these problems are:

  • What impact has the Community Banks created on rural dwellers?
  • Are the banking habits of local dwellers improved?

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