Ajah Et Al


Ajah et al

Greener Journal of Agricultural Sciences Vol. 4 (8), pp. 354-361, September 2014.

 ISSN: 2276-7770 

Research Paper

Manuscript Number: 080914323

DOI: http://dx.doi.org/10.15580/GJAS.2014.8.080914323

Analysis of Cooperative
Societies Effectiveness in Credit Delivery to Agricultural Enterprises in
Calabar Municipality of Cross River State, Nigeria


Ajah Eucharia Agom*,
Itam Kingsley Okoiand

Asuquo Innocent Asuquo


of Agricultural Economics and Extension University Of Calabar, Calabar,

Author’s Email: ajahagom @yahoo .com


The study analyzed the effectiveness of
cooperative societies in credit delivery to agricultural enterprises in Calabar
Municipality of Cross River State. The specific objectives were to analyze the
institutional characteristics of the cooperatives, analyzed number of loan applied
and approved over a period of time, the effectiveness and constraints of
cooperatives. The study used a multi-stage random sampling technique to select
30 agricultural cooperative societies in the Municipality.  Primary data for the study were collected in
2013, using well-structured questionnaire. The data collected were analyzed
using descriptive statistics and Queue model. The result revealed that the mean
age of the cooperative societies was 5.7 years and 70% of them were more than 5
years in operation. The cooperative societies had an average approval rate of
94.5% with an average traffic intensity of 1.06 and an idle time of -0.14. This
showed that cooperative societies were not very efficient in the Queue
management. The major constraints militating against cooperative society’s
effectiveness were low loan repayment and embezzlement of funds (poor
management of funds). Any policy that will improve proper management of funds
and higher loan repayment will improve the managerial ability of the cooperative
management and increase the approval rate to 100 percent and the idle time to

Keywords: Cooperative Societies,
Credit, Idle time, traffic intensity, Agriculture.


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