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ASSESSMENT OF COOPERATIVE SOCIETIES EFFECTIVENESS IN AGRICULTURAL CREDIT DELIVERY IN IKPOBA OKHA LOCAL GOVERNMENT AREA, EDO STATE, NIGERIA
ABSTRACT: The study is an assessment of the effectiveness of Cooperatives in Agricultural credit delivery in Ikpoba- Okha Local Government Area, Edo State, Nigeria. It identified the socio economic characteristics of the cooperative societies assess farmers’ access to cooperative loans, determine the arrival rate of loan requests and the service rate, idle time and traffic intensity of the cooperative societies in order to assess their overall effectiveness in credit delivery. Primary data was sourced with the aid of a well structured questionnaire. The information was analysed using descriptive statistics and Queue model. The result showed that Cooperatives received loan request, have overall approval rate of 99.16%, arrival rate of 43, service rate of 43 per month which resulted in a traffic intensity of 1.01 and Idle time of -0.01. Empirical results showed that, the Cooperatives were effective in Credit Delivery.
Keywords: Cooperative Societies, Credit delivery, Queue Model, Traffic intensity