This research project titled “Co-operative Thrift and Loan Society of Federal Ministry of Industry and Technology, Owerri, Imo state.  The study was motivated by the necessity of requirement for the award of Higher National Diploma in Co-operative Economics and Management of Institute of Management and Technology (IMT), Enugu.  It aimed at identifying the causes of the study of co-operative thrift and loan society in Owerri, Imo State.

To solve the research problems both primary and secondary data were collected.  The research instruments used in collecting the data were questionnaire and oral interview.  The respondents comprised of members of the society its employees and some members of staff of Federal Ministry of Commerce and Industry, Owerri, Imo State.

In organizing and presenting data collected frequency, distribute tables; charts percentage and degrees were used.  Data analysis and interpretation gave the following findings and among others.

A. LOAN DISBURSEMENT

Some dishonesty leaders among the members, something fails to disburse the loan to the members, which leads to present and embezzlement of fund among co-operative practitioners.

B. RECOVERY/REPAYMENT OF LOAN

Some of the members fails to pay back the loan, when its due for them to pay beck the loan to the society.

C. LOAN DEFAULTERS

Some loan defaulters often fail to authorize the deduction of their money when indebted to the society.

D. There is no external co-operative audit in the co-operative thrift and loan society.  The conclusion of the study is that there is a problem in co-operative thrift and loan society, which is the fail, that it does fairly satisfy its member’s financial need.  This is as a result of a number of factors such as poor management, lack of co-operation in the society and many other.  The said society will satisfy its members if the above listed recommendations are implemented in the society.

Title page

Approval page

Dedication

Abstract

Acknowledgement

Table of contents

1.1 Background of the Study

1.2 Statement of the problem

1.3 Purpose of the Study

1.4 Significant of the Study

1.5 Scope and Delimitation of the Study

2.1 Historical Development of Co-operative Thrift and Loan Society

2.2 Meaning of Co-operative Thrift and Loan Society

2.3 Sources of Co-operative Thrift and Loan Society (CTLS) Fund

2.4 Method of Disbursement of Loan in Co-operative Thrift and Loan Society

2.5 Recovery/Repayment of Loan

2.6 Benefit of Co-operative Thrift and Loan Society to It’s Members

2.7 Problem of Co-operative Thrift and Loan Society

3.1 Introduction

3.2 Location of the Study

3.3 Population of the Study

3.4 Sources of Data

3.5 Sampling Method Sample size

3.6 Method of Investigation

4.0 Presentation and analysis of Data

4.1 Introduction

5.1 Introduction

5.2 Restatement of the problem

5.3 Research Findings

5.4 Recommendation