The Role Of Women In Cooperative Development (A Case Study Of Ethopie East L. G. A Of Delta State)
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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
- Table of Contents
- 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
- 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
- 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
- 4.0 Presentation and Analysis of Data
- 4.1 Presentation of Data
- 4.3 Test of Hypothesis
- 5.0 Summary, Conclusion and Recommendation
- 5.1 Summary
- 5.2 Conclusion
- 5.3 Recommendation
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
- To study the socio-economic characteristic of the members of women cooperative society in the area of study
- To make policy recommendations based on the findings.
- 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.
- Ho: women cooperatives do not contribute to women access to credit.
- 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:
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.
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.
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.
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.
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.
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.
Able to be used for several different purposes.
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.
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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
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,
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- Research hypothesis,
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- 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.
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