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AN EVALUATION OF CREDIT UNION AS TOOL FOR NATIONAL DEVELOPMENT: A CASE STUDY IN THE EASTERN REGION OF GHANA
Abstract:
Credit Union activities and their impact on national development in the Eastern Region were investigated. In addition, the study looked at finding effective ways of running Credit Unions. A survey was used as the design for the study. Structured questionnaires were administered to ninety respondents made up of sixty clients and thirty administrators/managers of Credit Unions scattered across the region. The data gathered from the survey was subjected to analysis using the Statistical Package for Social Sciences (SPSS) Microsoft software in order to respond to the research questions appropriately. The study revealed that joining a Credit Union impacted positively on the household income and educational status of members, while little impact was seen in the health and social status of clients. The study also established that most Credit Unions have duly constituted boards and management, but most of these administrators were not qualified in their areas of operation. This report also contains several challenges that confront Credit Unions and suggestions to minimise the challenges. It was concluded that Credit Unions could be used as tools for national development and that qualified and well-trained staff need to be employed, while properly resourcing them to build their capacity. The study recommended that apart from serving the particular communities in which they are, Credit Unions should be set up for profitability to ensure their sustainability, while management need to be properly trained and resourced for effective leadership.
TABLE OF CONTENT
Title page- – – – – – – – – i
Approval page – – – – – – – -ii
Dedication – – – – – – – – -iii
Acknowledgement – – – – – – – -iv
Abstract – – – – – – – – – -v
Table of content – – – – – – – -vi
CHAPTER ONE
INTRODUCTION – – – – – – – -1
1.0 Background of the study – – – – -1
1.1 Statement of the problem – – – – -5
1.2 Purpose of the study – – – – – -6
1.3 Significance of the study – – – – -8
1.4 Research questions – – – – – -9
1.5 Scope of the study – – – – – – -10
CHAPTER TWO
LITERATURE REVIEW – – – – – – -11
CHAPTER THREE
Research methodology – – – – – – -39
Design of study – – – – – – – -40
CHAPTER FOUR
Presentation, analysis and interpretation of data – -48
CHAPTER FIVE
Summary of findings – – – – – – -60
Conclusion – – – – – – – – -61
Recommendations – – – – – – – -62
Suggestions for further research – – – – -64
References – – – – – – – – -65
Appendix I – – – – — – – – -68
Questionnaire. – – – – – – – -69
