PROPOSAL

        Co-operative financing agency are not different from other type of business with respect to efficient management of their funds they are required to used fund very carefully and Judiciously because their source of funds tend to be limited. The peculiar limitation imposed by co-operative principle make it very difficult for co-operative to obtain sufficient funds from outside e.g. the interest payment must not exceed percentage. As a catalyst co-operative financing agency full together then source of entire cooperative credit union to help each and by doing make it possible  for credit union to help each other there by bridging the gap between rich and poor co-operative credit union.

        The co-operative credit concept is widely recognized on the means to successfully improved the standard of living therefore through spirit of co-operative mutual self help the rich union like to some of their individual financial strength to the poor credit union in order to effect imposed credit equipment and financial strength and mutual protection that unity bread when a credit investment and part in the member total serving into the Apex through the financial programme it handing power to another by making money available for the need credit income to borrow in order to assist the credit need of the member and to accord financial relief in the sense of world. The desire for individual to develop them economically and socially and the desire of co-operative financial agency to become strengthened will be achieved through efficient financial management.

TABLE OF CONTENT

Title Page                                                         i

Certification                                                     ii

Dedication                                                       iii

Acknowledgement                                            iv

Proposal                                                           vi

Table of content                                               viii          

CHAPTER ONE

1. Introduction                                             1
   1. Aims and objective of the study                       2
   1. Statement of the problem                        3
   1. Limitation of the study                             5
   1. Scope of the study                                   7
   1. Significance of the study                          7
   1. Statement of hypothesis                          8
   1. Research question                                   9

CHAPTER TWO

• Financial management in a financial institution 12
  • Financial report                                               14
  • Financial control                                             15
  • The voucher system                                         16
  • Internally generated fund                                 18
  • Financial strengthening                                   21
  • Internal audit                                                   22
  • Risk management program                              23

CHAPTER THREE

• Origin and historical development of Kwara co-operative financing agency                                25
  • The objective of Kwara co-operative financing agency                                                              27
  • The structure of Kwara co-operative financing agency                                                             28
  • Kwara co-operative financing agency committee duties and responsibilities of board of directors        29
  • Responsibilities of the officer.                          30

CHAPTER FOUR

Financial management and organization development

• Management and agricultural effectiveness     32
  • Organization effectiveness                                       32
  • Source of fund                                                 33
  • Maintenance of statutory records of the agency 44
  • Kwara cooperative financing agency accounting system.                                                         49

CHAPTER FIVE: SUMMARY, RECOMMENDATION, CONCLUSION

• Summary                                                         51
  • Recommendation                                             52
  • Conclusion                                                      54

Bibliography                                                    56

CHAPTER ONE

1.1   INTRODUCTION

        Co-operative financing agencies are not different from other types of business with respect to efficient management of other funds they requires its used fund very carefully and judiciously because their source of funds tend to be limited.

        The peculiar limitation imposed by co-operative principles mark it very difficult for cooperative to obtain sufficient fund from outside. E.g. That interest payment must not exceed a certain percentage.

        As a catalyst cooperative financing agency pull together the resources of entire cooperative credit union and by so doing make it possible for credit union to help each other there by bridging the gap between rich and poor cooperative credit union. The cooperative credit concept is widely recognized on the only means to successful improved the standard of living.

        Therefore, through the spirit of cooperative mutual self help the rich credit union like to tend some of their individual financial strengths to the poor credit union in the order to effect imposed credit equipment can be financial strength and mutual protection that unit breads.