The Role Of Women In Cooperative Development (A Case Study Of Ethopie East L. G. A Of Delta State)

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Project and Seminar Material for Cooperative Economics and Management CEM

Project and Seminar Material for Cooperative Economics and Management CEM


Firstly, my dedication goes to the almighty God who help me in carrying out this research work successfully.
I also dedicate this research work to my lovely parents Mr. and Mrs. Emmanuel Ariwodo, for putting me through financially and encouraging me to read carefully for successful and brighter future.


I give thanks to my Alpha and Omega who kept me alive throughout my HND program.

I acknowledge my beloved parents, my brothers and sisters for their support towards my education. My sincere thanks, goes to my supervisor Mr. Okafo Okoreaffia for his proper academic guidance to me which help me throughout my researching exercise.

The successful completion of this project could not have been possible without the co-operation and assistance of many of the individuals to who I am greatly indebted for their ideas, constructive criticism and other contributions at various stages of this research.

My special thanks goes to my wonderful friend Aforole Obinna M. who contributed effectively to this work and so many friends in the person of Enechukwu eucharia. U. Osuala Anayochi G.

My thanks goes to all authors and publishers whose this project and other who have worked in any way to make this successful.

Finally, my thanks go to my spiritual Daddy Prophet G.S Desire David, and Bar. Mrs. Nnenna Chionye, who gave me a wonderful advice and support concerning my education.


This research work was undertaken to examine and analyzed the role of women in cooperative development a case study of Ethopie East L.G.A. Delta State.

In this work, a sample of two distinctive cooperative which involve themselves in carrying out some activities such as farming, processing, marketing production of loan and women access to credit activities in the economy were studied farmers multipurpose cooperative societies. This work covered a period of six years from 2002 to 2008.

The data were mainly collected through field survey with questionnaire and personal interview directed to respective societies, the researcher also used secondary data to source for the information used. The researcher finding revealed the contribution of women cooperative to women’s access to credit in Nigeria through numerous activities in which they engage in, but it was also revealed that there are some clung in the wheel of their progress. These ranged from erratic changes in government policies and programs, poor funding in promotional effort, lack of access to credit, insufficient cooperative education and awareness to inadequate capital mobilization by societies.

Based on the finding of the researcher some recommendation were made on how to panacea and eradicate this in carrying out their economic activities towards women contribution and access to credit to the financial institution in Nigeria.

Table Of Contents

  • Title Page
  • Certification
  • Dedication
  • Acknowledgment
  • Abstract
  • Table of Contents

Chapter One

  • Introduction
  • 1.1 General Over View of the Study
  • 1.2 Statement of Problems
  • 1.3 Objective of the Study
  • 1.4 Scope of the Study
  • 1.5 Hypothesis
  • 1.6 Significance of Study
  • 1.7 Limitations of the Study
  • 1.8 Definition of Terms

Chapter Two

  • 2.0 Literature Review
  • 2.1 The Nature of Women Cooperatives
  • 2.2 The Concept of Access of Credit
  • 2.3 Women’s Access to Credit in Developing Countries
  • 2.4 Women’s Role in the Economy
  • 2.5 Types of Co-operatives Formed by Women
  • 2.6 Cooperatives and Access to Credit
  • 2.7 The Importance of Women Co-operatives
  • references

Chapter Three

  • 3.0 Research Methodology
  • 3.1 Introductions
  • 3.2 Research Design
  • 3.3 Sampling Design
  • 3.4 Methods of Data Collection
  • 3.5 Procedure for Processing Data

Chapter Four

  • 4.0 Presentation and Analysis of Data
  • 4.1 Presentation of Data
  • 4.3 Test of Hypothesis

Chapter Five

  • 5.0 Summary, Conclusion and Recommendation
  • 5.1 Summary
  • 5.2 Conclusion
  • 5.3 Recommendation
  • Appendix
  • Bibliography

Chapter One

1.0 Introduction

1.1 General Over View Of The Study

One of the constraint face by Rural Women economic advancement in Nigeria has been blamed by a school of thought on the inability of Nigeria women’s to embrace co-operative way of doing business Helm (1965). This is because cooperatives are one of the most effective vehicles for organizing rural production.

The paper aims to analyze the effectiveness on the contribution of women cooperative to women access to credit as a method of advancing the development of women in Nigeria gender analysis is utilized to explain the disadvantage and marginalization of women in the cooperative. It is noted that Nigeria women access to credit receptive to cooperatives, which are made attractive to them by engaging in topics pertinent to women’s development, such as access to credit, training, economic, health and education activity and advancement of women’s participation in the cooperative movement.

Cooperatives are not only the most suitable organization and frame work for accelerated rural development but they are veritable instruments for assisting women in the achievement of increase output of farm products for instance, in the procurement of farms inputs like fertilizers, improved seeds and seedling, credit as well as in the product storage and marketing.

The international bank mission which student and reporter on the Nigeria economy in 1954 appreciated this favourable social climate when it said “we think full support should be given to cooperative as valid for economic organization fully compatible which Nigeria tradition and social sentiment (Onuha 1978).

The contribution of women cooperatives to women access to credit more especially women cooperative where rural women would be actively involved in the development of their own area. However given the fact that Nigeria is developing nations oriented on the unrestrained capitalism, the question then is how these women cooperation can help the women access to credit to improve their economic social educational culture and political status, then provide growth and development.

The enthusing and spirit with which some women embrace the formation of cooperatives in Nigeria especially in ethopie east LGA delta state has shown the contributions of women cooperative to women access to credit develop conscious and quite willing disposed to pool their resources together in order to improve their living standards, it is therefore necessary to ascertain the role of women cooperatives especially in ethopie East local government area which the expectation of women has not been easily meet which lead to apathy among women towards their cooperative societies.

1.2 Statement Of The Problems

Modern women co-operatives were formed to enter for socio-economic needs of the people and enhance women access to credit, but there are many problems and in most cases educational:

1. Economic Problems:

Inadequate finances most of the societies in the area lack capital to embark on more realistic projects. Also they face he problem of finding their societies adequately, this is due to the fact most women in their societies are house wives and hardly work to earn income.

2. Bad Management:

Most of the time the management abuse the loan granted to members by suing that loan in an unproductive ventures. There is also misappropriation of society’s funds and assets.

3. Inadequate Infrastructure:

They lack such infrastructures as to help them prosper in their societies such are storage facilities, machines etc.

4. Social Problem:

This touches on the male perception of women’s role. As a result of the traditional social systems more than nay other thing this gives men more reoccupation and status than women. The work and place of the later are relegated to the background, in this circumstance many men do not allow their wives to join cooperatives in the village since men assume to represent their wives in co-operative meetings.

5. Educational Problem:

The educational qualification of women especially in access set up as ethopie determines the number and level of women participation in women cooperative.

1.3 Objectives Of The Study

  1. To study the socio-economic characteristic of the members of women cooperative society in the area of study
  2. To make policy recommendations based on the findings.
  3. To study the sources of fund of these cooperatives

1.4 Scope Of The Study

This scope is limited to the selected registered women cooperatives in Umuahia North local government area.

1.5 Hypothesis

  1. Ho: women cooperatives do not contribute to women access to credit.
  2. Hi: women cooperatives contribute to women access to credit.

1.6 Significance Of The Study

This study will be of a great importance to the following groups:


This study is most conspicuous in its services as an aid to the rural development especially in this period of economic recession.


This will highlight the level of the contribution of women cooperative to women’s access to credit in Nigeria; it will eliminate doubts as to whether or not women cooperatives are of any significance to credit in Nigeria.

1.7 Limitation Of The Study

With the process of this research, the following tentative limitations were outlined:

1. Time:

as a student in high institution time may likely affect the researcher in conducting the research work.

2. Inadequate Fund:

fund availability may likely affect this research work because of the intended movements from one place to the other to enable the researcher obtained necessary information.

3. Lack Of Adequate Data:

insurance in Nigeria is an area of especially much research have root been one locally so this is among the problems the research may encounter.

4. Attitude Of Respondent:

the behaviour of our mass transit operators because of their level of education, ignorance and unawareness will also be expected to work the work.

5. Record Keeping By The Mass Transit Operations:

by the type of staff they employ will also affect source of information.

1.8 Definition Of Terms.

A. Women:

They are those that act or think independently not following others or being ordered. Work for herself meant that she could be her own women. More at heart, hell, honest, possessed, substance, would a female worker, especially one who works with her hands. A woman who comes from a place where men or whose job or interest is connected with the things mentioned.

b. Cooperative

may be defined as involving doing something together or working together with others towards a shared aim, helpful by doing what you are asked to do, owned and run by the people involved with the profits shared by them.

C. Access:

Is a way of entering or reaching a place the opportunity or right to use something or somebody to open a computer file in order to get or add information, to reach, enter or sue something.

D. Roles:

The function or position that somebody has or is expected to have in an organization in a society or in a relationship, the degree to which somebody or something is involved in a situation or an activity and the effect that they have on it.

E. Economy:

The relationship between production, trade, and the supply of money in a particular country or region a country when you are thinking about its economic system. The use of the time, money etc that is available in a way that avoids waste. That is Ireland was one of the fastest growing economics in Western Europe in the 1990s.

F. Multipurpose:

Able to be used for several different purposes.

g. Credit:

This type of cooperative which is assumed to be the easiest to organized and run provides its members with convenient and secure means of saving money and of obtaining credit at reasonable rates of interest.

I bet you, the complete material is fully loaded. This is just an excerpt. The Material is in MS-Word Format which you can easily edit and is comprehensive for a complete research work for this topic

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How to nail it on the head during your project defence

You are through with writing that project. Now what?

You have found yourself at that point where you have to defend what you have written. Of course you have to stand in front of your supervisor and other literary personalities to prove that you know what you wrote in your project paper. Unfortunately, the more you think about it, the more it looks like you are about to face a legion. It is not a war. But the emotion of dread welling up inside of you makes it look like one. So now you are asking yourself questions.

  • How am I going to start?
  • I hope I will do well enough to get an A.

You really want to nail it, but you need to come to terms with exactly how to get everything in perfect control. Especially your emotions of fear that seem to make a wreck of you every time you think about public speaking.
So here is the deal. I want to help you avoid that feeling that would ruin your precious moment if you dare to let it. And we are going to do it together.

I am going to highlight some very important tips to help you get in control for you to be comfortable enough to move from that feeling of DREAD to CONFIDENT; and making an awesome Impression for that great rating your supervisors should be giving to you so freely.

Consider these tips as you prepare for your defence. We will be taking them one after the other so here we go.

Watch Your Body Language And Keep It Confident:

Can you tell that a person is falling apart if they look confident? … If I can second guess you rightly, am sure you answered no to that question. Remind yourself that you need to come out that way. Now this might seem like a huge big deal when you are dealing with the foreboding. Maintaining a poise of confidence is very important. So find your most comfortable position, sitting or standing and draw up your body. You must exude confidence. It is something you need to do for yourself. People can only see what you allow your body language to show. So you must endeavour to put that out. Remember the story of David and Goliath? … At the end of your defence day, you want to be David.

Dress In Your Most Comfortable And Impressive:

Am sure this one is a no brainer. However I must highlight that you choose comfortable pieces. You don’t want to look so good and yet look like you were forced to wear something that does not belong to you. It’s great to ensure that as impressive as your clothes are on you, that they are also very comfortable.

Speak With Authority:

Going hand to hand with that aura of confidence is your most powerful asset:your words. If you look that confident, your words must not come out like whimpers. To be able to pull this off, you definitely need to speak as deliberately as possible in expressing yourself. Let them also hear what they see.

Use, Your Gestures:

I have often found this to come to my rescue in dealing with shyness and conveying my confidence. Usually it gives you an edge to also drive home your point. You must, however, ensure that you do not over use it. It doesn’t mean that your hands should be flying all over the place. That would be absolutely unnecessary. If you do this well, after a while you will realize that you are not as self-conscious as you used to be at the very start. For most situations, it would have completely disappeared altogether; leaving a really confident you talking.

Have A Good Opening And Closing Line:

Make sure you have perfected a good opening line. You should also be armed with a good closing line too. Try and rehearse it to a friend. If for the first time you presented it, your friend does not say “wow, that’s beautiful” or something like that; just know you need to keep refining it until you get the perfect line. Both opening and closing lines will go a long way in how impressed your panel gets to rate you high.

Make Sure You Know Your Work:

Certainly you should understand how important it is to know your own work from start to finish. Not having in-depth knowledge of your own work is tantamount to a suicide mission. Why should you kill yourself?
When all is said and done, this is what you came to defend in the first place. You should know your work from A to Z.

Prepare For The Questions:

Now this part is truly essential. You must be sure you do not floor all the good work you did on your presentation by not answering correctly. You must pay attention to the questions you are asked to be sure you will give the right answer. Many people get it wrong at this stage and spoil their good presentation. When you do not understand any question do endeavour to ask the person to expatiate what they mean before you answer.

These tips are by no means exhaustive, but applying these tips will give you some necessary advantage you need for a great outcome. Of course that outcome would mean that you eventually earn all your points on this project.

The structure of a good project work

Undergraduate projects in Nigeria is a prerequisite for graduation amongst Nigerian tertiary students who will which to obtain bachelors degree in their respective courses of study such as accounting, banking and finance, business administration and a host of others. Writing an undergraduate project in Nigeria for final year students entails a lot both financially and otherwise. Being able to develop any final year project depends on getting a researchable topic whether it is Accounting Undergraduate project topics, Banking and Finance research topics or banking and finance project topics and materials and it all requires diligent hard work of students who are willing to develop best undergraduate projects in Nigeria and graduate in flying colors.

A typical Undergraduate project in Nigerian tertiary institutions can be said to be divided into five or six chapters depending on the format of the school and course of study which are

1. Introduction

The introduction of an undergraduate project states the main research problem and research argument. What precisely the study is all about and why it is important. It looks at the originality of the research work and how it will fill the gap in other studies. Justification for a research undergraduate topic should not be lengthy before it has been explicitly stated.

Below are the contents in chapter one of an undergraduate research project which includes;

  • Background of the study,
  • Statement of the problem,
  • Objectives or aims of the study,
  • The research questions,
  • Research hypothesis,
  • Significance of the study,
  • Scope of the study,
  • Limitations of the study and
  • Operational definition of terms.

2. Literature review

Literature review of any undergraduate research work, be it business administration project topics or Economics project topics just to mention a few is very critical to securing a high grade in one’s project work. The literature review of a research process uncovers what other writers have written about the student’s topic. A student’s undergraduate research work should include a discussion or review of what is known about the subject and how that knowledge was acquired. The review could conclude with a brief summary of the literature and its implications. The contents of the literature review are the theoretical review, conceptual framework, empirical review and summary of literature review.

3. Research Methodology

This section includes a description of the research methods used in the undergraduate research work such as the sample size, data collection methods, measurement instruments, research data analysis procedures and the population from which the sample was selected.  This section also describes the method used in selecting the sample or samples, validation and reliability of the instruments used in the research work. There are different research statistical techniques used in undergraduate research work such as SPSS, e-views etc.

4. Results & Discussion

This section presents and discusses the data analysis results used in an undergraduate research work, the results of each analysis is being summarized, tabulated, and then discussed for each research question.  Then for each research hypothesis, the statistical test of significance selected and applied to the data is briefly described, followed by a statement indicating whether the hypothesis was supported or not supported.  In presenting the result analyses/summary in an undergraduate project tables and figures and or graph are used to add clarity to the presentation.

5. Summary, Conclusions And Recommendations

This section summarizes the findings of the study in an easy to understand manner.  It also explains the practical implications of those findings, and points to recommended directions for future research in that area.


This is where every source cited in the undergraduate research work is being included. Every undergraduate research work must be properly referenced for its authenticity.



Samuel Obiora Blessed is the CEO and founder of Samphina Academy ( a.k.a Nigeria Students Media, the youngest engineering graduate of Federal Polytechnic Nekede in 2017 and the engine brain behind this great platform. He is the man behind the scene, filled with many potentials, a musician as well as a pro developer with the interest of Nigerian students at heart.

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