TABLE OF CONTENTS
Title Page
i
Approval Page
ii
Dedication
iii
Acknowledgements
iv
Table of Contents
v
CHAPTER ONE: GENERAL INTRODUCTION
1.1 Background to the Study
1-4
1.2 Statement of the Research Problem
4-6
1.3 Objectives of the Study
6
7
1.4 Hypotheses of the Study
7
1.5 Significance of the Study
7-8
1.6 Scope and Limitation of the Study
8-9
1.7 Chapter Scheme
9-10
CHAPTER TWO: LITERATURE REVIEW
2.1 Introduction
11
2.2 Overview of Cooperative Society
12-16
2.3 Ideological Roots of Cooperatives
16-18
2.4 Identity of Cooperative Society
18-19
2.5 Characteristics of Cooperative Society
20-23
8
2.6 Types of Cooperatives
23-26
2.7 Sources of Funds for Co-operatives
26
2.8 Role of Government in Co-operative Societies
27-28
2.9 Advantages and Disadvantages of Cooperative Societies
28-34
CHAPTER THREE: RESEARCH METHODOLOGY
3.1 Introduction
35
3.2 Research Design
35
3.3 Sources of Data Collection
36
3.4 Population and Sample Size
36
3.5 Data Collection Methods
37
9
3.6 Method of Data Analysis
37-39
3.7 Historical Background of the Study Area
39-42
CHAPTER FOUR: DATA PRESENTATION AND ANALYSIS
4.1 Introduction
43
4.2 Data Presentation and Analysis
43-58
4.3 Test of Hypotheses
58-62
CHAPTER FIVE: SUMMARY, CONCLUSION AND
RECOMMENDATIONS
5.1 Summary
63-67
5.2 Conclusion
67-69
5.3 Recommendations
69-71
10
References
72-73
Appendix I
74-75
11
CHAPTER ONE
GENERAL INTRODUCTION
1.1 BACKGROUND TO THE STUDY
Co-operative societies of rural areas are crucial
programmes that play a vital role necessary for the growth
efficiency tolerance of individuals and their environment as
well the development of communities. It is in these form
because cooperative societies helps when it comes to the
issue of assistance, promotion of economic situation of the
members of the group involves or individuals. The
community at large, the mechanism to achieve the group of
individual community objective is to establish a common
enterprise.
On the basis of these features, many organizations that
are describe as cooperative societies in Nigeria are not in the
real sense of the word. This is because some of the vital
attributes noted there are completely absences and such
societies are organized by the government. The main
objective of members to share the facilities that may be
alerted to the society by government, the self help motive
12
that is so crucial to cooperative existence is totally absent at
best, such organization may be called welfare societies
rather than cooperatives.
Cooperative societies can be seen as a means of an end.
It is an association that helps groups and individual to
acquire more state to the standard of living. Berks (1988)
defines a cooperative society as “a association of persons who
have voluntary joined together to achieve a common end
through the formation of a democratic controlled
organization, making an equitable contribution to the capital
required and accepting a fair share of risk and benefit of
the undertaking in which member actively participate.”
Mcheod (2006) identify at least six (6) elements that
determined the structure of cooperative form of organization
which includes:
 the group of persons has at least one economic
interest in common,
 the members do business from the motive of service
rather than profit.
13
 and the organization is democratically administered
and many others.
The principles of cooperative are usually associated
with the rock dale pioneers who are referred to as the
founding father of modern cooperative societies. In Nigerian
it was fashion out of the Indian cooperative act of 1912 and
hence it was rural in-nature therefore the partner were
dictated by tradition cooperative in the North in produce
marketing cooperative, while the East specialized in cocredits.
As a matter of fact the coming together of people to
form a cooperative society has brought development and easy
the task of people struggling for survival. For example, where
a group of person form a co-operative society that is known
for assisting one another with a saving of daily contribution
which at the end of the month all total contribution goes to
one person and its move so rotationally as listed which helps
in solving some financial problems by members.
14
The reason for this cooperative society is for personal
and collective assistance leadings to the out standing
development of community because it brings about unity.
Cooperative societies are adapted in almost all the countries
of the world and practically in all aspect of human endeavor
because they are employed to achieve both social and
economic goals. Therefore, the societies are found in many
areas’s implying their types according to their activities.
It is against this background that this study seeks to
examine the impact of cooperative societies on the
development of Kebbi State cooperative societies.
1.2 STATEMENT OF THE RESEARCH PROBLEM
The impact of cooperative societies on development of
urban or rural areas depends strongly on how people are
being educated on the importance of cooperative societies.
Furthermore, there is need for well articulated personnel to
be pioneers of the cooperative society, so as to help to design,
develop and restructure the administrative system of the
cooperative societies i.e. to have a volunteer board of retail
15
consumers cooperative so as to held to account at any
annual general meetings of members.
The Kebbi state government sees cooperative societies
as a form of development and improving method of
globalization and a means of reaching individual targeted
goals. In order to show concern to cooperative societies in the
state, the government has organized various researchers
both in and outside the state to ensure that its people
understand what any noble societies or associations is up
to and the role it plays in the economic and social life of
individual. Moreover, it has sponsored many technical and
administrative conference and seminars, on cooperative
societies, so as to impact more knowledge on how best
cooperative societies are run.
It is now believed that Kebbi state government
nurture the fact that potential development is through
adequate exposure of its communities to the importance of
cooperative societies in the state. He has been encouraging
its various communities to become full members of different
16
cooperative societies in their respective communities so as to
rise to the level of globalization.
Therefore in the light of the above statements, this
research work is undertaken to examine the impact of cooperative
societies in the development of both urban and
rural areas in Kebbi State in general.
1.3 OBJECTIVES OF THE STUDY
The broad objective of the study is to examine the
impact of cooperative societies on the development of Kebbi
state, while the specific objectives are:
i) To examine how co-operative societies assist members
to create wealth.
ii) To find out whether cooperative societies provided
members with required goods and sources.
iii) To ascertain how cooperative societies helps in job
creation.
iv) To explore whether cooperative societies enhances the
revenue of the state government.
17
1.4 HYPOTHESES OF THE STUDY
In line with 1.3 above, the following statements are to
guide the study:
i. Cooperative societies have assisted member to create
wealth.
ii. Cooperative societies have provided members with
required goods and services.
iii. Cooperative societies help in job creation.
iv. Cooperative societies enhance the revenue of the state
government.
1.5 SIGNIFICANCE OF THE STUDY
This research work is important and essential to policy
makers (government), co-operative societies themselves and
bodies conducting feasibility studies and their agencies.
The significant of this study to the policy makers i.e.
the government is that it draws their attention to the
importance of co-operative societies because it helps in the
development of communities in both urban and rural areas
in the state. Furthermore, it will assist the communities in
18
both wealth and job creation, which will enhance the revenue
base of the state government.
This research work is significant to co-operative
societies in particular because it will make them to
understand their problems and proffer solution to them. Also
the establishment of co-operative societies in various
communities in the state will provide members with the
required goods and service and helps in creating wealth
which in turn helps in job creation to members.
Finally, this research work will serve as a source of
literature for students of higher learning or any interested
persons or agencies that want to write and improve on the
available source of information.
1.6 SCOPE AND LIMITATION OF THE STUDY
The scope of this research work is restricted to the
impact of cooperative societies on development of Kebbi state
in particular. This project helps in projecting the impact of
cooperative societies on the development of Kebbi state.
Some problems were encountered during the course of
the research, which affected it in some ways namely:
19
These include limited financial resources, since the
availability of a sound financial base will give a more
extensive field study. For example, making a study on all
cooperative societies in Kebbi state will be very difficult;
therefore limiting the work to a few cooperative societies will
reduce the cost to be involved.
The questionnaire method used to obtain data is such
that the respondents had to choose from already stipulated
responses like the ones that closely expressed their feelings.
Their choice however may not accurately be a true reflection
of heir exact attitudes.
Finally, is the lack of accessibility to relevant data to be
used for the research work. Also, some cooperative societies
refused to disclose information relating to their mode of
operations.
1.7 CHAPTER SCHEME
Chapter one of the research work is on general
introduction. It consists of background to the study,
statement of the problem, objectives of the study, hypotheses
20
of the study, significance of the study, scope and limitations
of the study and chapter scheme.
Chapter two reviews all relevant literature relating to
the study as well as the researcher’s views concerning
previous studies on the impact of cooperative societies on the
development of Kebbi state.
Chapter three includes the methodology applied in
collecting and analyzing data. It includes introduction,
population and sample, sources and methods of data
collection, method of data analysis and hypotheses of the
study.
Chapter four presents the results of the study as well
as data analysed and the interpretation of the analysed data.
Chapter five includes a summary of the study,
conclusions and recommendations based on the findings
from the study.

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