Multipurpose Cooperative Societies Research Articles

Determinants of Credit Constraint among Smallholder Farmers’ Co-Operators in Oyo State, Nigeria

Credit constraint (CC) has been identified as one of the factors that diminish the production efficiency of farmers. Although Multipurpose Cooperative Societies (MCS) have been identified as an avenue to reduce (CC) among farmers, (CC) persists. Thus, the effectiveness of (MCS) in credit delivery and the determinant of (CC) of co-operators were examined. A four-stage sampling procedure was used where Oyo State was purposively selected based on high numbers of registered Agricultural Cooperative Societies. One block was selected from each zone of the four Agricultural Development Project zones. Two cells were randomly selected from each block. Multi-purpose cooperative societies from each of the cells were randomly selected. Co-operators were randomly selected proportionate to size and in all, 200 respondents were randomly selected. Co-operators access credit, inputs, tractors, market information and processed their produce by (MCS). Female co-operators were more credit constraint than their male counterparts. Education, default history farming experience, monthly contributions and dependency ratio were the determinants of credit constraint. Default history has the highest impact in determining credit constraint of co-operators, therefore conscious effort is needed by co-operators to avoid it occurrence. Credits should be made available to farmers through cooperative societies to enhance their efficiency

Details of NTFPs collected by members of large-scale Adivasi multi-purpose cooperative societies in Karnataka

Details of NTFPs collected by members of large-scale Adivasi multi-purpose cooperative societies in Karnataka

Trade Unionism and Welfare of Members of Academic Staff Union of Universities (ASUU), University of Uyo Branch, 2010-2020

The study emerged from the abysmal welfare conditions in the Nigerian public university system particularly as it concerns members of ASUU in the University of Uyo. The study sought to ascertain the extent to which trade unionism by ASUU has enhanced the promotion of members of the Union and to examine the role ASUU has played in ensuring the payment of fringe benefits to members. The research adopted Conflict Theory as a theoretical guide. A survey method was adopted for the study. A structured questionnaire and interviews were the instruments used to obtain data from the respondents. A sample size of 301 was selected from the population using a simple random sampling technique. Data for the study were obtained from both primary and secondary sources. A one-way ANOVA statistical method was adopted to test the two research hypotheses. The findings of the study revealed that there is no significant relationship between trade unionism and the promotion of the members of ASUU and that the payment of fringe benefits to members of ASUU at the University of Uyo has no relationship with unionism in ASUU. The research recommended that ASUU should adopt a workable mechanism for collaboration with the university management on timely promotion, design a precise template to guide payment of fringe benefits and encourage members to join the Uniuyo Academic Staff Multipurpose Co-operative Society.

Performance evaluation of farmers’ multipurpose cooperative societies in Enugu State, Nigeria

There is pertinent need for group efforts (cooperation) among farmers for efficient utilisation of agricultural resources. The aim of this study was to evaluate the performance of farmers’ multipurpose cooperative societies in Enugu State, Nigeria. Primary data from 250 respondents were sampled. The objectives were to assess the performance of the farmers’ multipurpose cooperative societies (FMCSs); determine the factors that affect performance; and explore the constraints to effective performance. Data were analysed using descriptive statistics and logistic regression model. Results showed that all the factors affecting cooperative society’s performance hypothesised in the model were statistically significant with access to credit and access to input being the most significant (P<0.01) and with marginal effects of 0.1743 and 0.1205 respectively. The result also showed that cooperative societies were able to secure loans, inputs, extension services, and organised an annual general meeting for their members. The result showed insufficient capital, inadequate credit, inexperienced managers and inadequate government assistance were serious constraints to cooperatives’ performances. It is recommended that cooperatives should increase their equity capital drive by up scaling their subscriptions and by reinvesting their surpluses. The government should intensify its pro-farmers’ cooperatives’ policies and programs.

SUSTAINABLE FINANCING OF MICRO, SMALL AND MEDUIM ENTRISE (MSMEs) THROUGH ISLAMIC BANKING PRODUCTS IN NIGERIA, KATSINA STATE

The Micro, Small and Medium Enterprises (MSMEs) play important role on employment creation, manpower and skills development, industrial development, poverty reduction and economic growth and thereby recognized as engine for socio-economic transformation in both developing and emerging economies of Africa and Asia respectively. However, these enterprises are facing pyramid of problems, several among them though not exhaustive include: inadequate capital, managerial inefficiency and inaccessible credit facilities from formal financial institution. The problems of inadequate capital and inaccessible credit facilities from the conventional banking sector are the most critical. The MSMEs are lacking access to institutional credit at both commercial and development financial institutions; considered high credit risks by the financial institutions. Conventional banks are also characterized with the receipt and payment of interest; associated with non-Shari’ah compliant financial products. Hence, the need for ethical banking system; considered competitive and alternative to conventional banking products, more responsive to the environment of the study (Katsina state), which is referred to Islamic banking. This paper is motivated to discuss the Islamic banking products and their efficacy towards attainment of sustainable financing of MSMSEs in Nigeria, Katsina state. The tools of the research are basically analysis on the subject matter of the study with a collection from secondary data. Furthermore, the research paper is relevant to Islamic (commercial and micro finance banks, saving and credit multipurpose cooperative societies) financial institutions. The knowledge, skill and abilities of the management and staff of those institution as well as other stakeholders will be enhanced. It is also serve as a good reference for academics and therefore, advancing the frontier of knowledge in the field of study.

An Appraisal of Women Targeted Microfinance in Nigeria: A Review of the Activities of Yamdu Multipurpose Cooperative Society in Ankpa Kogi State.

An Appraisal of Women Targeted Microfinance in Nigeria: A Review of the Activities of Yamdu Multipurpose Cooperative Society in Ankpa Kogi State.

State Borders as Center of Economic Growth: Case Study of the East Arso District in the Indonesia – Papua New Guinea Border

This article aims to pinpoint the East Arso District’s existing economic conditions and identify factors contributing to devising the region as the center of economic growth in the Indonesia–Papua New Guinea (PNG) border. Data were collected through focus group discussion, observation, and a literature review conducted between October and November 2021. By using a qualitative approach, this study found that the East Arso District offers the potential to be developed as the center of economic growth in the Indonesia–PNG border. The region community’s commodities are considered including agriculture, forestry, fisheries, and livestock goods. The scope of the study also examines the condition of PNG’s neighboring communities in Sandaun Province, road infrastructure, and cross-border and security. This article proposes a model of economic development for the East Arso District: the establishment of Transnational Border Posts (PLBN), border market, road infrastructure, a multi-purpose cooperative society and improvement of access to commodities, education, and health. Additionally, the plans to create the East Arso district the center of economic growth are also expected to strengthen ties and cooperation between Indonesia and PNG, which, in turn, can prevent misunderstanding and conflict in the future. KEYWORDSBorder; East Arso; Indonesia; Keerom; PNG

Awareness of Loan Defaulters of LAMPS about Membership and Loans : A Review

The study assessed the level of awareness, particularly about membership and loans, of loan defaulters among scheduled tribe members of large-sized multi-purpose cooperative societies. The research was conducted in two of the five large area multi-purpose societies (LAMPS) functioning in Salem district in Tamil Nadu. A structured interview schedule was prepared to collect data from 187 defaulters, and the analysis was done with chi-square as a core statistical tool. The results showed that the level of awareness among the respondents toward their membership and loans differed considerably. Awareness was high among males (38.90%), followed by those with an education qualification of at least higher secondary (34.10%) ; whereas, in terms of occupation, farmers (47%) showed considerable awareness. While 40.60% of the respondents who had an annual family income between INR 2 lakhs – 3 lakhs had awareness, the highest level of awareness was seen among the respondents holding more than 3 hectares of agricultural land (87.50%). The level of awareness was found to have a positive correlation with social status and repayment of loans; whereas, it was negative when defaults were high. Non-payment of loans threatens the very purpose of the existence of LAMPS and should be regulated through valid measures of LAMPS and voluntary initiatives of members.

Relationship Between Co-operative Society Governance And Members Satisfaction: A Case Study of the Ambrose Alli University Workers/Farmers Multi-Purpose Cooperative Society, Edo State, Nigeria

Relationship Between Co-operative Society Governance And Members Satisfaction: A Case Study of the Ambrose Alli University Workers/Farmers Multi-Purpose Cooperative Society, Edo State, Nigeria

Cooperators Involvement and Satisfaction on Cooperative Society Housing Activities in Jos Plateau State, Nigeria

This research aims to assess cooperators involvement and satisfaction with housing activities in Plateau State, Nigeria, to measure their degree of influence on housing activities. The study was based on various questionnaire survey methods conducted on institution-based cooperative societies engaged in suitable housing activities. The data was collected from Jos University Teaching Hospital JUTH multipurpose cooperative society cooperators and analysed using mean ranking descriptive statistical tools. Multiple regression was conducted. Regression model summary and the ANOVA result were obtained. The model produced an overall R-value of 0.421 and an R 2 -value of 0.177 with F-statistics of 32.685, which are significant as indicated by a p-value of 0.000. The two independent variables included in the study explain about 17.7 % of the variation in housing activities. This shows that both involvement and satisfaction of cooperators influenced housing activities. The study recommended that cooperators be more involved in all housing activities from the initial stage to the completion for a more positive outcome and ensure their utmost satisfaction based on their housing demand. This will motivate them and increase patronage of the cooperative society for their housing needs at all times.

Baraza: Social Networking and Sustainable Livelihood of Households in South-south Nigeria during the COVID-19 Pandemic

The outbreak of COVID-19 pandemic spiraled serious economic crisis to the households. While studies have largely focused on the formal mechanisms to cushion its effects on households’ livelihood, study on the informal mechanisms is still scanty. This study, therefore, examined the roles of Baraza as a Multipurpose Cooperative Society (MCS) during COVID-19 lockdown in Yenagoa City. The theory of planned behaviour was adopted, while a cross-sectional survey design was employed. A respondent-driven sampling was utilized to sample 380 respondents through Baraza MCS using a structured-questionnaire. Descriptive statistics and multiple linear regression were used as analytical strategy at p<0.05. Findings revealed that the majority were males, employed and had B.Sc/BA as educational qualification. It was further indicated that the majority had long-term plan (62%) in the scheme, as it served as an alternative source of income (54.7%), income diversification (55%), as well as a cushioning mechanism for COVID-19 pandemic (34.3%) among others. The predictor variables jointly predicted the level of satisfaction derived from the scheme during the pandemic at (R=0.33, R2=0.11; AdjR2=0.10, F(5,369)=9.23), while the average investment (β=.375, t=2.740), contributory platform (β=-.550, t=-2.360) and number of packages (β=.558, t=3.298) of respondents significantly predicted the level of satisfaction derived from the scheme. In spite of these, the fear of political interference (39.7%), interest reduction (38.4%), collapse (33.7%), etc. were the associated challenges with the scheme. It is imperative that the scheme are thoroughly supported and regulated by the concerned agencies in order to enhance its roles as alternative source of livelihood sustainability particularly during economic crisis.

Cooperators Satisfaction with Cooperative Society Housing Activities in Jos

Most public workers in Nigeria have always faced the problem of housing either during service or after retirement. This is because the mechanism put in place by the government for tackling the housing problem has not met their expectations. Due to that, workers started using alternative means to solve their housing needs. This study measured the level of housing activities carried out by the cooperative society and assessed cooperators' satisfaction with the activities in Plateau State, Nigeria. The study was based on a questionnaire survey conducted on institution-based cooperative societies engaged in cooperator housing activities using various methods. Data was collected from Jos University Teaching Hospital JUTH multipurpose cooperative society in the State. Data were analysed with descriptive statistical tools using mean ranking, and a 5-Point Likert scale was used to determine the level of each activity. It was found that housing development, direct purchases of houses, private-public projects and building materials purchase ranked highest. In contrast, processing land and building documents, housing loans, and land allocation were the least ranked contrary to popular belief that cooperative societies only achieved land allocation and granting of housing loans. Also, the respondents were most satisfied with housing development, directly purchased houses, building materials purchase, transaction cost, while their level of satisfaction on interest to be paid on loans for housing, cost of loan recovery, processing of land and building document and land allocation were ranked least respectively. Therefore, the study concluded that cooperators satisfaction should be given consideration in all activities to improve patronage for their various housing needs at all times.

Analysis of Entrepreneurial Performance of Multi-purpose Co-operative Societies in Abi Local Government Area of Cross River State, Nigeria

Analysis of Entrepreneurial Performance of Multi-purpose Co-operative Societies in Abi Local Government Area of Cross River State, Nigeria

Intervening Variables and Savings Mobilization of Staff Owned Cooperative Societies in Nasarawa State Public Institutions (A Case Study of Naspoly Staff Multipurpose Cooperative Society Nasarawa State Nigeria)

This paper examined the intervening variables affecting the mobilization of savings of Staff owned Cooperative Societies in Nasarawa State Public Institutions and their effects on the savings mobilization. It was a survey research that focused on the Naspoly Staff Cooperative Society, Nasarawa State Polytechnic Lafia, Nasarawa State Nigeria. Questionnaire was administered to a randomly sampled 250 members from the 380 registered members as at December 2018, with the view to confirming that the following variables (family size, income level, number of children in school and market situation) affects savings mobilization of staff owned cooperative societies in public institutions in Nasarawa State. Data collected were analyzed using descriptive statistics and The Pearson Product Moment Correlation. Findings from results of the study showed that, the identified variables intervenes in savings activities of staff members, it actually hampered the society’s efforts in mobilizing savings. It conclude that, although these intervening variables are individualistic, they by extension affect the savings mobilization of the cooperative societies. In line with the findings of the study, it was recommended therefore, that With due consideration of the income factor which is a prime determinant of savings, government as a whole should consider improving staff take home and adopt measures that will ensure price control in the market. Government should ensure that the timing for review of staff salaries be reviewed two to three years looking at the rate of inflation in Nigeria.

Effect of Socio-Demographic Characteristics on Kenyan Smallholder Dairy Farmers’ Adaptive Strategies to Climate Change Effects

Climate change (CC) impedes smallholder dairy industry in Kenya. Consequently, farmers’ adaptation to CC effects would greatly determine their resilience, profitability, and sustainable contribution to the economy. Socio-demography among other factors, determine smallholder farmers’ adaptive strategies to CC effects. This study sought to understand how smallholder dairy farmers in South Western Kenya adapt to climate changes and determine the relationship between famers’ adaptive strategies and their socio-demographics of sex, age, marital status, highest educational level, household size, and experience in dairying. Concurrent Fixed Mixed Methods were used to collect primary and secondary data. Reports and papers were reviewed for temperature and precipitation data, dairy population, production trends, and farmers’ socio-demographics. A survey questionnaire was administered to 367 smallholder dairy household heads with 10 years’ experience obtained through multi-stage sampling of respondents from 4 sub counties of Migori county. The data collected included the respondents’ socio-demographics, climate changes and adaptability to CC effects. Key informant interviews (KIIs) were conducted with heads of government departments of Livestock Production, Cooperative Development, Meteorology, Environment and Agriculture Sector Development Support Programme (ASDSP) in Migori County. Others included the leadership of Rongo Dairy Farmers’ Cooperative Society, Lichota Livestock Development Farm, and a Research Officer for Livestock Production Systems with Kenya Agriculture and Livestock Research Organization (KALRO). Focus group discussions (FGDs), on the other hand, were conducted with old men and women (aged 60 years and above), and farmer groups from Rongo Dairy Farmers Cooperative Society, Cham Gi Wadu Dairy and Multipurpose Cooperative Society, and East Sakwa Farmers’ Development Group. These were obtained purposively based on dairying experience. Descriptive statistics (percentages) were used to describe climate change effect on smallholder dairying and farmers’ adaptation. Percentages, minimum and maximum values, means, range, and standard deviations were used to describe respondents’ socio-demographics. Binary logistic regression analysis was used to determine the effect of farmers’ socio-demographics on their adaptive strategies to CC effects. Results indicated that individually, male farmers were more likely to adopt mixed crop and livestock farming (Odds = 3.97; p = 0.02) and experience an increasing trend in income earning from milk sales (Odds = 0.63; p = 0.04). Individually, older farmers were significantly more likely to establish own fodder (Odds = 0.96; p = 0.03), keep non-Friesians and their crosses (Odds = 0.97; p = 0.02), and experience increasing trends in income earned from milk sales (odds = 1.02; p = 0.02). Individually, household size significantly influenced establishment of own fodder (Odds = 0.69; p = 0.00) and jointly with the other 5 socio-demographic factors (Odds = 0.70; p = 0.00). With other socio-demographic factors, male farmers were more likely to rely mainly on household labour (Odds = 0.32; p = 0.05). Thus, gender, age and household size were found to have significant effects on smallholder dairy farmers’ adaptation to climate change effects in the study area.

Environmental Determinants of Agricultural Output Among Members of Farmers Multipurpose Cooperative Societies in Ogbaru Local Government Area, Anambra State

Environmental Determinants of Agricultural Output Among Members of Farmers Multipurpose Cooperative Societies in Ogbaru Local Government Area, Anambra State

Leadership skills in primary multipurpose cooperative societies in Ethiopia

Cooperatives are considered as an important institution for uplifting the socioeconomic conditions of their members and local communities. To be successful, the cooperatives need to have dedicated and vibrant leaders. This paper analyses leadership skills of the board of directors of the selected multipurpose cooperatives in Ethiopia. The findings show that majority of the directors have basic leadership skills in project management, information technology, and application of cooperative principles. Most of them are good in professional behaviour, interpersonal relations, governance and motivation. Regression results indicate that skill levels are positively associated with education, experience, training, motivation, participation in social activities, and participation in cooperative management.

Relationship between Corporate Governance and Financial Performance in Multi-Purpose Co-Operative Societies, Lagos, Nigeria

Relationship between Corporate Governance and Financial Performance in Multi-Purpose Co-Operative Societies, Lagos, Nigeria

Performance Appraisal and Role of the Lamp Co-operative Societies in Tribal Areas in Karnataka

<p><em>This study presents the role of co-operative Societies in general and a specific study on Karnataka. The Large Sized Agricultural Multi-purpose Co-operative Societies (LAMPS) are organised at the village level to meet the credit and other requirements of the tribal people. Tribal beneficiaries are the members LAMP Societies and they have benefited almost all the integrated services offered by the LAMPS for their economic upliftment. This study highlights the history, trends and growth of cooperatives. It also highlights the national policies, problems and suggests measures for the existence and viability of co-operative institutions, designed specifically for the welfare of the common man in general and for upliftment of tribes and weaker sections of the society in particular. The important aspect of examining the cause and effects of tribal economy has not been covered in any of the abovementioned studies. It is found from the review of literature that only a few researchers has studied the role of tribal co-operatives and their cause and effects on economic development of tribes.</em></p><p><br /><em>This study is an empirical and field based, interview techniques are used for the collection of required data on the problem from the sample tribal respondents. The present study is also an attempt to go into the problems and prospects of co-operatives for the upliftment of tribals of Karnataka.</em></p>

Effect of capacity building on organizational performance of multipurpose cooperative societies in Osun State of Nigeria

Cooperative organization is a business model that has some significant potential towards economic development of Nigeria. Some of these potentials include employment generation poverty reduction; enhance gross domestic product (GDP); as well as rural development. But, before cooperative could be able to play these roles they need capacity building that will enhance their performance effectively. As such the study examined the effect of capacity building on the organizational performance of multipurpose cooperatives in Osun central federal senatorial district of Osun state, Nigeria. Data were obtained from 529 purposively selected management committee members across the study area. Data obtained were analyzed and evidence from the study revealed that, capacity building activities were well established among the cooperatives across the study area (Osun central district). The finding also revealed that the opinion of the respondents unanimously agreed to the indicators used in measuring the performance of their cooperative, and this was affirmed by the hypothesis two (H02). Also, there was strong evidence from the study that capacity building has a strong effect on the performance of the cooperative and this finding correlate with the results of other studies. Therefore, in order to strengthen the capacity building in cooperative for effective and efficient performance of their organization, the following recommendations are made; there is need for re-orientation and sensitization of members and the employees of the cooperative so as to enhance their knowledge on the importance and benefit of capacity building. Also, the cooperative should try as much as they could to integrate and diversify their investment. Finally, the government should assist by making cooperative extension services compulsory and accessible to all cooperatives.Keywords: Capacity building; Organizational Performance and multipurpose cooperative society