An Examination Of The Roles Of Co-Operative Societies As A Source Of Real Estate Finance (A Case Study Of Abia State)

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An Examination Of The Roles Of Co-Operative Societies As A Source Of Real Estate Finance (A Case Study Of Abia State)


The topic of this research work is on performance level of Abia state case study.

This project contain facts or real Estate finance in various forms of establishment be it business or governmental also in me the manufacturing firms on which this research was conducted.

Table Of Contents

Preliminary Page(s)

  • Title page
  • Approval page
  • Dedication
  • Acknowledgement
  • Abstract
  • Table of contents.

Chapter One

1.0 Introduction

  • 1.2 Background of the study
  • 1.3 Statement of problem
  • 1.4 Objective of the study
  • 1.5 Significance of the study
  • 1.6 Scope of the study
  • 1.7 Limitation of the study
  • 1.8 Definition of terms

Chapter Two

2.0 Literature Review

  • 2.1 Rural development and finance
  • 2.2 Various kinds of co-operative in nigeria
  • 2.3 Sources of co-operative fund.
  • 2.4 Utilisation of co-operative fund
  • 2.5 Cooperative finance
  • 2.6 An examination of the roles of cooperative societies as source of real estate finance in Abia State.

Chapter Three

3.0 Research Methodology

  • 3.1 Introduction
  • 3.2 Research design
  • 3.3 Instrument for data collection
  • 3.4 Sources /methods of data collection
  • 3.5 Population and sample size
  • Chapter four
  • 4.0 Presentation analysis of data
  • 4.1 Introduction
  • 4.2 Presentation of data

Chapter Five

5.0 Summary Conclusions and Recommendation

  • 5.1 Summary of findings
  • 5.2 Conclusion
  • 5.3 Recommendations
  • References
  • Appendix

Chapter One

1.0 Introduction

1.1 Background Of The Study

The examination of the roles of cooperative societies in Nigeria is vital to the least. The larger number of the population residing in the rural area in the first place. No meaningful development can be achieved in a country without rural transformation.

Although real estate is one of the most stable and profitable investment opportunities available it is the vital real estate that is the new gold rush. Real estate investments are tools used to analyze financial condition and performance. Financial analysis mean different things to different people, trade creditor are primarily:

Also involving cooperative willing to be of assistance of a farm, business e.t.c

Owned and run jointly by it members who share the profits or benefits. Co-operative can been by public finance or private finance.

The co-operative movement was formalized in 1936 which co-operative law was passed:

  • Consumer co-operative societies
  • Group training co-operative societies
  • Multi- training co-operative societies

1.2 Statement Of The Problems

Finance which ensures the smooth and proper running of an organization has been a major problem facing co-operative societies.

Old Age:

At the stage of old age there marked signs of decline which is clear and the property sinks rapidly status.
The lower class using the property will use a rough and may not pay their rent as and when due and the property will not be maintained the fashion of the building has reduced drastically. The rate of change of tenants will make the rate of decline to be high.

1.3 The Objective Of The Study

  1. To identify the forms of co-operative finances available of Osisioma local government.
  2. To determine the contribution of such co-operative projects to the development of Abia State.
  3. To make recommendation based on the finding.

1.4 Significance Of The Study

Co-operative financing is significant in Nigeria, especially to the rural areas. ABIA State council in particular. This is because it brings about development

In the rural areas and overall economic development of a country this study on co-operative societies. The examination of the roles of co-operative financing on rural development with special reference to Osisioma Area co-operative council shall intend to enhance the members of the co-operative.

1.5 The Scope Of The Study

This study is limited to Abia State. Osisioma L.G.A. in particular, this is due to time constraints which made it impossible to trade to all rural areas in Osisioma Local Government Area.

1.6 The Limitations Of The Study

Most of the rural dwellers were too conservative to respond to the questionnaire issued by the researcher.
The limitation is to put things in order by having good structure.

1.7 Definition Of Terms


Is an association of persons who have identified their social and economics problem in common.
This is an association of persons varying in numbers who are grapping participate. Collective combined common – joints shared mutual united concerted coordinated.


This is that act of raising and using of funds by individuals, co-operative societies, firms and government organization, for the day to day operations and management of their business undertaking.


This is the powerful effect that some thing has on anything or any body. It can also be seen as a help rendered with result to achievement of recommendable success.

Rural Development:

World bank defines rural development as a strategy designed to improve the economic and social life of a specific group of people who live in the rural area.

Chapter Five

5.0. Summary Of Findings, Conclusion And Recommendation

5.1. Summary Of Finding

Based on the analysis and interpretation of the responses made by the members of some of the societies in Osisioma. Some useful finding which are stated below was made.

  1. Co-operative will help to create employment opportunities for the un-employed, if well finance and motivated
  2. Co-operative has been recognized as the organizational vehicle for mobilizing the resources of rural primary producer ensuring acceleration and progress.
  3. Co-operative financing has positive impacts such as provision of drinkable water health centre, market, social amenities etc.
  4. The government makes or put efforts in developing standard of living in the rural areas. The provision of social health and maternity good communication network, construction of road etc.
  5. The problems facing Osisioma Local Government Area in financing is as a result of poor management loan default and lack of trained personnel.
  6. It was observed that due to insufficient or lack of capital base. Co-operative societies in the rural area find it difficult to get loans from banks to this effect they resort to individual lenders and in term will be exploited.

5.2 Conclusion

This study is concerned with the an examination of co-operative societies as a source of real estate financing Abia State. The finding of this study been very much optimistic and if rural development programmes would be very well articulated co-operative should come in for easy execution national planners who take full account on advantage of co-operative systems, an instrument for rural development of co-operative societies depends entirely on the social-economic background of people and the degree of education and resultant. The co-operative organization provides languages common to all development agencies.

5.3 Recommendation

From the finding, the general recommendation can be tendered.

  1. To stimulate rural development through co-operative illustrates who are tied to traditional practices of self sufficient farming have to be educated and adopt certain packages of improved production.
  2. The moment relies on the local leaders on voluntary services for meetings and other activities. It is suggested therefore. That to keep co-operatives society on an ever levels and moving too. Those who run this should be on couraged by financial reward.
  3. There is the need for government to actively support co-operative training and education in order to reduce the problems of staff shortage co-operative should be registered with less difficulty.

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