Government Policies On Small Scale Business, Its Impact On Nigeria Cooperative Development

GOVERNMENT POLICIES ON SMALL SCALE BUSINESS,
ITS IMPACT ON NIGERIA COOPERATIVE DEVELOPMENT

(A CASE STUDY OF CO-OPERATIVE SOCIETIES IN
ANAMBRA STATE)
BY
---------------------
---------------
A RESEARCH PROJECT PRESENTED TO THE SCHOOL OF

BUSINESS AND MANAGEMNE TECHNOLOGY, ------------
IN PARTIAL FULFILLMENT OF THE REQUIRMENTS FOR

THE AWARD OF ------- IN CO-OPERATIVE ECONOMICS
AND MANAGEMENT
AUGUST 2012
APPROVAL PAGE
I hereby certify that this project was under their supervision
and is adequate in scope and quality for the award of the
--------- in the Department of cooperative economic and
management, -------------------.
……………………………… ……………………………
----------------
(PROJECT SUPERVISOR) DATE/SIGN
…………………………….. …………………………….
------------------------ DATE/SIGN
(H.O.D)
……………………………… ……………………………..
EXTERNAL EXAMINER DATE/SIGN
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DEDICATION
This project is dedicated to the Almighty God who has given
me the power, wisdom, knowledge, ability and understanding
without which this project would have remained in dream.

ACKNOWLEDGEMENT
I remain eternally grateful to God for the great opportunity and
inspiration given to me that lead to the writing of this work.
Special thanks go to all my family members who have by one
way or the other helped me to finish this project.
Secondly, my gratitude to my parent Mr. & Mrs. ------ for their
parental care, prayers and financial support.
Lastly, my gratitude goes also to my supervisor Mr. -------, for
increasing my knowledge in this project, as well as my head of
department Mr. --------------------.

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ABSTRACT
This project is systematically designed to highlight the
government policies on small-scale business and its impact on
Nigeria cooperative development. The project contained five
chapters.
Chapter One, is all about the background of the study, which
discuss the achievement, objective, and problems associated
with the study.
Chapter Two, is all about the cooperative in Anambra State,
the nature of cooperative societies in Anambra State and the
services by small-scale business.
Chapter Three, it’s discussed vividly on the data of the study
which may come as sources, questionnaire designs, method of
collection and analysis.
Chapter Four, it emphasis concisely on the presentation,
analysis and interpretation of the respondents.
Chapter Five, it deals with the summary of finding of the study,
which is as follow:
i.That government policies have impacted it operative

development through small-scale business.
ii. That service of small sale business improves
industrialization through development.
TABLE OF CONTENT
Title page i
Approval page ii
Dedication iii
Acknowledgement iv
Abstract v
Table of content vi
CHAPTER ONE
1.0 Introduction 1
1.1 Background of the study 3
1.2 Statement of problems 4
1.3 The objective of the study 5
1.4 Research question 6
1.5 The significance of the study 6
1.6 The scope of the study 7
1.7 The limitation of the study 8
1.8 Definition of terms 8
CHAPTER TWO
2.0 Introduction 10
2.1 Co-Operative in Anambra State 10

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2.2 The concept of co-operative
Development 18
2.3 The nature of co-operative societies in
Anambra State 22
2.4 Service offered by small scale business 24
Reference
CHAPTER THREE
3.0 Introductions 28
3.1 Research Design 28
3.2 The population of the study 29
3.3 sample size sample size determination 30
3.4 sources of data 30
3.5 methods of data 31
3.6 Validation of research instrument 32
CHAPTER FOUR
4.0 Introduction 34
4.1 Presentation of data analysis 34
4.2 Interpretation of data 38

CHAPTER FIVE
5.0 Introduction 40
5.1 Summary Of Finding 40
5.2 Conclusion 41
5.3 Recommendation 42
Reference
Appendix
Questionnaire
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CHAPTER ONE
1.0 INTRODUCTION
Definition of co-operative societies are voluntary form of
business organization in which individual in a particular track
comes together to fester a smooth relationship aimed at
protecting the interest of their members.
Oguejio for (2001) defined co-operative society as an
association of person who voluntarily jointed together through
business organization to achieve their common capital sharing
in the risk and benefits and member participate actively and
benefit and member participate actively and democratically.
C.C. Bob-Igwe defined co-operative society as an association of
persons who have voluntarily joined together to achieve a
common end through the formation of a democratically
controlled business organization making equitable contribution
to the capital required and accepting a fair share of the risks
and benefits of the undertaking in which the members actively
participate.
Co-operative association and movement in the world
movement in the world has been seen as a continue or
situation event or activity and an invention of necessity. It was
born out of the local and economic condition and situation in
Europe. The industrial revolution in the Europe on the late
eighteenth and all through the nineteenth century culminated
in the formation of co-operative movement.
The rise and expansion of the modern co-operative movement
has its roots in the reaching economic, social and political
changes which took place in Europe in the eighteenth and
nineteenth century especially the industrial revolution and the
liberation of the peasantry from the former feudalistic system.
1.1 BACKGROUND OF THE STUDY
In every policy there exist government policies as guiding
principle or tools for government action to serve as a wide area
e.g. NIpost Agriculture, Health, Housing, transporting and
services etc.
However, a good government will seek the welfare of its
citizens; this explains why such polities are argued out in
parliament before they are enacted. A good government policy

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is the government policy that has achieved a level of good or
better life for its citizenry small scale business usually starts
with simple processing of agricultural commodities by hand
later by will fashioned highly sophisticated equipment
mechanized process out in small firms or in huge plants and
factories.
1.2 STATEMENT OF PROBLEM
These are some problem which hampered small sack business
in Nigeria such as.
1) Low level technology: in cooperative development, in
Anambra State as in other state is still in its infancy,
machines are foreign technology.
2) Poor infrastructural development: in cooperative
societies in Anambra State has not developed significance
to encourage rapid industrialization by infrastructure; we
mean education health facilities, roads, electricity,
telecommunication and postal services.

3) Inadequate capital: the amount of capital required per
workers in small scale business are not available and this is
one of the main reasons why the take off into self sustained
growth is such difficult operations as a result of cooperative
development in Anambra State still depend much on
foreign investment for large scale business establishment.
1.3 OBJECTIVES OF THE STUDY
The general objectives of this study are as follows to find out
government policies that favor cooperative development
1) to find out government policies that favor cooperatives in
small scale business
2) to find out how the federal government through the
federal department of cooperative throughout the country
will help the small scale business
3) To find out how the services of the small scale business
will improve industrialization through cooperative
development.
1.4 RESEARCH QUESTION

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1) Do you think that government policies have an impact on
cooperative development?
2) Does the formulation of government policies helps to
achieve industrialization on cooperative development?
3) Can the services rendered by small-scale business
improve industrialization through cooperation development?
4) How does the federal department through the federal
government of cooperative improve on the formation of
agriculture cooperative in the country?
1.5 THE SIGNIFICANCE OF THE STUDY
The finding of this study will be a great benefit to:
1) The government policies on small-scale business in
Nigeria’s cooperative development.
2) It will also reveal some factors effecting government
policies on small-scale business.
3) It will also look various services being offered by small-
scale business on cooperative development.

Finally, the government should make sure these policies are
very useful to the public and the individual in particular.
1.6 THE SCOPE OF THE STUDY
This study wills emphasis on the government policies on small
scale business in Nigeria with particular reference to
cooperative development in Anambra State. Also will emphasis
move fact and government collaboration with cooperative in
the development of people in the rural area. It will also explain
production factors or contribution of cooperative society in the
rural area and how the rural dwellers have benefited from
cooperative society.
1.7 LIMITATION OF THE STUDY
Research of this standard is limit by problems which hindered
the fully completion of the necessary information which
required the full details of cooperative society one of the
factors that limited the research was finance, due to
inadequate finance, I was unable to transport myself to some
area which I was suppose to. Also time fact which have to
collide with my studies and examines. Inadequate information

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from the school library and other sources made limited the
research.
1.8 DEFINITION OF TERMS
1) GOVERNMENT: Is a body vested with power and
authority for maintaining security, peace and stability by
making and enforcing conventional or government is an
agents or machine through which the will of the state is
formulated expressed and attained. If there is no agency or
a body to regulate people’s activities, the society will
depreciate to what Hobbes Thomas called primitive society
where life was ‘‘solitary, poor, nasty, brutish and short’’.
2) POLITCIES: A plan of action agreed or chosen to a
political party.
3) SMALL SCALE BUSINESS: Are business which are
organized on a small scale and produce goods with the help
of small machines, hired labour and power. It is a common

means by which many (people) are making a living in the
country.
4) BUSINESS: Business is a human activity directed
towards producing or acquiring wealth through buying and
selling of goods and services.

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CHAPTER TWO
2.0 INTRODUCTION
Cooperative societies are formal as a means of pooling these in
an activity that will benefit members in general.
They play socio-economic roles in their host communities
as a means of rationalizing subsidiaries; government assisted
programmers and at the sphere are energies the socio
economic community development. They are not only involved
in alleviating poverty and food scarcity, the advance finance
like credit to their members.
2.1 COOPERATIVES IN ANAMBRA STATE
Cooperative society in Anambra State came into existence on
27th august 1991.
Today, we are proud to have cooperative society in
Anambra State as one of the best in the eastern region

because of the strong and good faring, governor, His
Excellence Mr. Peter Obi who makes sure that the small scale
business did not lack any thing for now.
The board of the small scale industry is composed of chairman
of the local government and other member appointed by the
state government. The rural industrialization is divided into
four (4) departments namely.
1) Administration departments
2) Engineering and maintenance service department.
3) Personal department
4) Route operation department
Each of the department is handled by a manager and as sited
by a manager and assisted by a supervisor. As agents of
government, policies could be defined as group of people that
are responsible for controlling a state and has plan of action
agreed by a political party.
One of classification of the concept of small business, Agu
(1989) maintains that small-scale business encompasses not
only on industry, but also operates in commercial agricultural
for industrial enterprises (1994:318).

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In the definition of cooperative, cooperative organization
does not exist in a vacuum or genesis of cooperative in Nigeria.
According to Uma Eleagu (1988) first attempt at cooperating
for real know as ‘‘Agape plants union’’ founded in 1907. They
were later joined by Egbor farmers union and Ibadan
agricultural society. All those organization soon become
agitation group fighting for the improvement of the quality and
public of Nigeria coca buyers market.
Hence, the cooperative movement in Nigeria can be said
to have formally stared in 1935 when the first cooperative law
as know as the cooperative society’s ordinance was enacted on
February 1936. Major E.F.G Haug was appointed as the first
registrar of cooperative organization in Nigeria. The registrar
department was dissolved in 1953 following the induction of
the federal constitution and its registrar was appointed.
Each region than had its own cooperative department in
1976, the country was further divided into twelve and nineteen
states respectively, which Anambra State was included and

each of the states established their own cooperative societies
division with their jurisdiction for cooperative department on
the state concerned. It was therefore, from this perspective
that Nigeria cooperative movement could be said to date from
February 1976 when Nigeria was evened.
STATE OF DEVELOPMENT
In some countries rural cooperatives developed
independently of each other. Agricultural cooperative has
usually grown in response to everybody needs rather than
ideological favor. The historical record spans over 150 efforts
on behalf of a company to promote the best possible
understanding of its policy activities.
Akabia (1983) in his own discussion on the effect of
Anambra State government policies on small-scale business
lined it to back in implementing. Therefore to really
understanding the authority property informed on the activities
and efforts made to provide them with uninterrupted services
by Anambra State government.
Osuji (1990:32-33) stated that an extent, the effect of
government would strive in doing two things as it related to an

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organization. They are counseling or executives on ways of
dealing with the effort policies. The organization most drives a
proper means of responding to the effect complaint. The effect
Anambra State government policies programmers vital
necessary for organizing state effect to accomplish the goals
and objections of the organizations. However, in discussing
about organizing effectiveness in the public corporation like
Anambra State, one should also look as some brief review of
the major concept of the subject matter, some relevant
concepts which deserve attention and Anambra State
government policies, Imoisilla (1919:78) remarked that the
most practicing manager agreed on organizing incorporation
both economic and non economic. Imoisilla stated that
Anambra State government policy on small scale business is
collaborated with building of industries, factories, houses,
roads, hospitals offices, rail ways and secondary schools with
some free education in order to make the people living in rural
areas in Anambra State feel happy and also for them to

educate in a very standard way. The Anambra State
government in other hand will build all the offices like
industries, company etc. in other to reduce the population of
unemployment, robbery in the state and also reduce the level
illiterate in the state etc.
The main policy the Anambra State government is having
in mind on small scale business is to set Anambra in order
especially the rural areas in very high standard in order to
develop the state so that both the and riches can benefits. In
the view of Nzigwa (1980), the Nigeria publics cooperative are
grouped unto:
1) FINANCIAL INSTITUTION
Financial institutions play a major role of financial
intermediation. It assists in channeling funds from surplus
economic units to deficit ones to facilitate business transaction
deposits.
1) Bank deposit, which constitutes a major portion on the
money supply, is the source of credit that under cut the
value of our money.
i) To prevent liquidity, crises which might trigger off financial

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ii) The fact that competitive among banks could have on the
public confidence in the sub-system and hence on the
economic makes regulations of the operation of banking
necessary.
2) Commercial and industrial mining forest and animal’s
production fertilizer company textile, iron and steel petroleum
etc.
3) Public Utilities:-
This is Nigeria national petroleum company (NNPC), Radio
Corporation and Water Corporation.
4) Government Policy:
Porter and Heirn (1980:1) maintained that a policy is
hypothesis that must be tested and implement in the process
of testing.
2.2 THE CONCEPT OF COOPERATIVE DEVELOPMENT
1) SELF – HELP
Self-help is helping oneself through one’s effort with or
without the assistance of outsider but in cooperation or in
mutuality with others. The fathers of cooperative like Owen,
William king believed at self in the society to emancipate
themselves in another perceptive self help implies members in
a group helping each other to solve each other problem.
Therefore, self-help is based on group solidarity or mutual
assistance. Also self help is so cardinal to cooperative that the
rein forcing societies in their early stages coined their popular
matter ‘‘enur fuer alle, fuer einer’’ each for all and all for each
self help also entails mutual responsibility and the sharing of
the benefit of group effort on mutual basis. In conclusion, self-
help is seen as principle of cooperation among writer of
cooperatives.
2) FELT NEED:
Cooperative societies individual have a common needs that
could be jointly solve through mutual aid. There are basic
needs which include: physiological needs, food, clothing,
shelter and good things necessary to ensure survival and
security. So the protection societies therefore have basic needs

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including necessary instrument for production. All the felt
needs for the members are solved through mutuality.
3) SELF RELIANCE
Self-reliance and self help are intervening, they are implicit in
cooperation. Cooperative as self help organization which is
formed by a certain group of person with the aim of helping
themselves solve their economic joint and mutual action or aid.
According to Adeyeye (1970:12), long before the birth of
cooperation as a constituent form of modern business
enterprise, Nigeria and the whole of Africa had been a home of
community life. Here the spirit of togetherness among her sons
and daughters in the existence of many kinds of mutual aid
institution economic, social, cultural, religions, political or other
wise. Also cooperative movement began to merger in Africa at
the beginning of 19th century but the broad development of
cooperative were lacking at their time since in most countries,
money relations were only very slightly developed and the
economic and social life of the society was entirely in the hand
of the colonialist. In Nigeria colony, the cooperative
development could not develop wisely because they were set
up primarily among representative of the colonialist to serve
their interest. The cooperative authorizes kept cooperating
under constant with the product of export crops and only rave
among producer of agricultural produce for domestic
consumption.
In Nigeria, cooperative development date back to the
early twenties. Not able in the Nigeria cooperative development
was the cocoa farmers association by the development of
agriculture in 1926 for cocoa farmers in Ibadan and Abeokuta
in western Nigeria to help market their product. (Ijere, M.
Modernizing nigeria cooperative federal Atoki publishing co. ltd.
Lagos 1986).
Moreover, many cooperative societies have informal
organizational structure. Organizational structure in the
framework though which the activities of an enterprise are
coordinates. In case of cooperative, especially food crop
operative societies, the management is composed of amateur,
majority of who are slightly educed. This effects the situation
whereby some staff are supervised by more than one person

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and some are appropriate, span of control is maintained and
increases fostering and absence of effective control of staff as a
result of supervisor loop holes.
2.3 THE NATURE OF COOPERATIVE SOCIETIES IN
ANAMBRA STATE.
Cooperative societies in Anambra State are voluntary
association of human beings and are therefore considered as
part of civic laws. Law consists of a large member of individual
rules that are said to regulate the behavior of the citizens of a
particular state or country. This time, it is the member of the
cooperative movement originally, they were not institution of
law but instead a social and economic phenomenon.
The first cooperatives ere established before the
cooperative legislation came to Anambra State. The developed
the organization from their own practical experience. They also
did not limit themselves to more preaching of cooperative
ideology and theoretical concept but went further to prove the

practicability of the ideas and economics. When cooperative
societies were already in existence in the two areas. By
promulgating cooperative laws, therefore the recognition to
cooperative societies as a form organized self help on the
basics of solidarity, having been proved in practice that have is
a genuine need for that kind of organization. The governor of
Anambra State has further been strengthened by the
realization that cooperative is not only an efficient instrument
in the solution of social and economic progress.
2.3 SERVICES OFFERED BY SMALL SCALE BUSINESS
A few example of small scale business include: a flea market or
shopping mall booth, a consultary business or even a computer
repair shop that move into retail space. Small-scale businesses
typically consist of one owner and his shop. The business
owner sells products and / or services supplied by a franchise
company or created by the owner himself. This type of
business is flexible which means that the owner can generally
set hours at any time to accommodated customers. Some of
the services offered by the small-scale business are as follows:

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1) REDUCTION OF RURAL POVERTY
This is perhaps the total embodiment of what small scale
business efforts are expected to achieve. In Nigeria, for
instance it had been show that over 70% of the rural
populations are living below poverty. This rural poverty stricken
follow comprise of small farmers and therefore to break the
million cycles and liberated and rural man from the York of
poverty, these must be well-planned industrialization direct to
the rural areas.
2) ELIMINATION OF RURAUL UNEMPLOYMENT:
Provision of rural unemployment is the core of small-scale
business in rural Nigeria for instance in Anambra State. There
is scarcity of employment opportunities while seasonal
employment disguised unemployment and under employment
is a common feature. To remedy this situation there is need for
an organized and planned approach to the provision of different
type of productive opportunities in the rural area.
3) DEVELOPMENT OF A COUNTRY OR STATE

Small-scale business helps on the development of a country or
state. When there are small-scale businesses in the country or
state, it brings good things for the country or state like good
roads, standard power supply water cooperative, building etc.
REFERNCE
Agu .G.A (1984) New system Economics. Africa Feb publishers

limited, Aba.
Ewa.U.(1984)New system Economics, Africa Feb Publishers

limited, Onitsha.
Hgem and peter (1980) The process of policy, Formation

principle and using 1982 policy Classification.
Iweke. O. C. (1984)Government and business relation

Nobel press limited, onisha.
Lawal . A. O (1982) A level Economics of west Africa Ibadan,

Heinemann Educational Books.
Nwankwu. B.C (1992) Authority in Government Public policy,

analysis, Noble press limited Onisha.
Simon .H. A. (1957) Administrative behavior (2 edition) New

York, Macmillan publishers.
Uwankwu .B. C. (1992) Authority in Government public

Policy, analysis concept and Application.
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CHAPTER THREE
3.0 INTRODUCTION
This chapter describes the method procedures including all the
techniques make of use in this work. It is also look at the
population that constitutes the study, the sample method,
sample size and research instrument utilized by the researcher
in analysis data of this project work.
3.1 RESEARCH DESIGN
A research design is a plan showing the strategies and direction
to be followed in carrying out a research here the researcher
made use of survey research design. The major instrument for
data collection being questionnaires for quantitative data. In
this sense, it involves some objective judgment, some non-cost
as well as cost constraints which include time and energy of
which could be available to different researcher in carrying

degree even in the same research work, the researcher has
decided to make use of the descriptive approaches in drawing
and writing this project. It is the tension of the researcher to
examine and interpret the happening and also introduce to
some of structured response instruments such as the
questionnaires.
3.2 POPULATION SIZE
The population of this study includes data collection from the
Nigerian cooperative society in Anambra State. It entails an in-
depth study of data collection in Onitsha North and South of
Anambra State. The cooperative there comprising both old and
new members. Moreover, some government polices were
executed in small-scale business in the country particularly in
Anambra State. Thus, the researcher distributed some
questionnaire (100) showing how the questions were given to
each Nigeria cooperative societies.
3.3 SAMPLE SIZE/SAMPLE SIZE DETERMINATION

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The criteria for the selection of sample size for this research
work is based comprises 200 workers from junior category
(while the researcher used only 100 staff)
3.4 SOURCES OF DATA
Primary and secondary in the process and secondary out this
study, the data used were the primary and secondary sources.
a) Primary source of data used for the analysis in this
study are those collected form the response through the
designed questionnaire and the oral interview conducted.
The questionnaires were distributed personally.
b) Secondary sources of data: the secondary sources of
data on the order hand were collected from already
written work include textbooks, journals lecture note,
periodicals computer Internets, newspapers, and other
document.
3.5 METHOD OF DATA ANALYSIS

The method of data used for analyzing and answering the
research question is the percentage method.
THE PERCENTAGE METHOD
The percentage method of the total example will be evaluated
to 200 each of the required sample percentage will be
calculated as follows:
% = Number of respondent x 100
Total Sample 1
3.6 VALIDATION OF RESEARCH INSTUMENT
The instrument used in questionnaire method critically examine
the terms of the questionnaire and the relevant into achieve
what was needed in the government polices.
Dome of the people that spoke that the fault where the
side from the cooperative itself and other side of the
government polices. They said that the cooperative society
sometimes does not give relevant information to the
government that will enable them on small scale business.
In every policy, there must exist government polices
serve as guiding principles or fools for government action to

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serve as wide area e.g. agriculture and health etc. a good
government which will seek the welfare of its citizens this
explains why such polices are argued out in parliament before
they are enacted. A good government policy is the government
policy that has achieved a level of good or better life for its
citizenry.
Small-scale business is synonymous with development
industrial development usually started with simple processing
of agricultural commodities by hand later by well-fashioned and
highly sophisticated equipment. These days industrial
manufacturing is a sophisticated mechanized process carried
out in small firms or in huge plants and factories.

CHAPTER FOUR
4.0 INTRODUCTION
In this chapter the data collects through the questionnaire will
be presented and analyzed. The total number of one hundred
(100) questionnaire was distributed and fifty (50) respondent.
4.1 PRESENTATION AND DATA ANALYSIS
Table 4.1
Question 1: can government policies on small scale business improve the

service of cooperative society in Anambra State?
Option No of respondent Percentage %

Yes 87 87
No 13 13
Total 100 100
Sources: field survey 2012
From the table above, it shows that 87 respondent of 87%
believed that government polices on small scale business can
improve the service of cooperative society in Anambra State.
While 13% of the respondent disagree.

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Table 4.2
Question2: Can cooperative societies be relevant in the polices of government in small-scale
business?

Yes 62 62
No 38 38
Total 100 100
This analysis show that 62 from the total responding 62% said
that cooperative in small scale business can be relevant in the
polices of the government, on the contrary 38 responding 38%
said No.
Table 4.3

Yes 77 77
No 23 23
Total 100 100
Source: field survey 2012
Increase the activities of cooperative society in Anambra State.
Table 4.4
Question 4: how can the government of Anambra State improve the standard of cooperative
societies in Anambra State?
No of Percentage
Option respondent (%)
Provide enough fund for 37
(cooperative societies) 37
To build much industries for the
cooperative society and state 25 25
To help the cooperative society to
be recognized in other state and
countries apart from Anambra 38 38
State
Total 100 100

Source: field survey 2012
This table alone shows that 37 respondents representing 37%
of the total respondent said that government should provide
enough fund for them (cooperative societies), 25 respondents
said that the government should build more industries for the
cooperatives society and for the state, while 38 respondents
representing 38% that the government should help cooperative
societies to be recognized in many other countries and state
apart from Anambra State.
Table 4.5
Question 6: can the government of Anambra State help to fight the set of cooperative
societies in small-scale business?

Yes 90 90
No 10 10
Total 100 100
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From the table above, it shows that 90 respondents that is
representing, 90% believe that the government of Anambra
State can help to fight the set-back of cooperative society in
small scale business, while the 10 response that is representing
the 10% disagreed that government of Anambra State can not
help to fight the set-back of cooperative societies in small scale
business.
4.2 INTERPRETATION OF DATA
From the discoveries so far on the government policies on
small scale business impact on nigeria cooperative societies, it
is well known fact that the nigeria government policies and
programs could go a long way in helping the activities of the
cooperative societies to increase from the level there were to
the next level (which is far than to improve more than
expected). Therefore, it is pertinent that the state government
should create policies and programs and an enabling
environment for the productivity o cooperative societies and in

contributing to robust economic of our state and nation at
large.
CHAPTER FIVE
5.0 INTRODUCTION
5.1 SUMMARY OF FINDING
This research work was carried out by the researcher to study
government policies on small-scale business and its impact on

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Nigeria cooperative development (a case study of cooperative
societies Anambra State). This was aimed to provide answer to
the research questions which are enumerate below:
1) That government formulates policies that will
help achieve industrialization on cooperative development.
2) The government policies have impacted
cooperative development through small scale business
3) The federal government through the federal
development of cooperative improves the formation of
agricultural cooperative throughout the country.
4) The services of small-scale business improve
industrialization through development.
5) The respondent says that small-scale business
of cooperative societies in Anambra State has met the
expectation of their numerical customer.
6) These findings have shown that the staff in
small-scale business is happy because their salaries are
comparable with those in other organization.

7) There is clear evidence that the organization of
small-scale business is sustained and that government
policies have effect of the small-scale business.
5.2 CONCLUSION
Workers emphasizes their happiness, starting that thy work in
small-scale business of better salary and allowances. The
research found out that most problems in the small-scale
business was a result of substandard services and poor
management.
Therefore, the government should create job opportunities
which will enable the rural areas to benefit in the area of
cooperative development, the government should create job by
building industries, providing the rural dwellers with equipment
for farming and educating rural areas on the basic of
cooperative society that will enhance the development of the
rural areas and the Anambra State in general.
5.3 RECOMMENDATION
your own new copy.
Based on the finding on the government policies on small-scale
business with particular references to cooperative society in
Anambra state.
Following recommendation was made:
1) Management should see to the welfare of its workers
through increase in their salaries and allowances,
provision of accommodating and prompt payment of
salaries.
2) The management has to organize administrative
training of its staff on other to improve on their efficiently
and effectiveness.
3) That policy makers or legislators that beware of
enacting harsh legislation that impede the small-scale
business.
REFERENCES
Agu G.C. (1984) new system economics, African publishers

limited, Onitsha.
Dickson I.O. (2008) international cooperative and cooperative

development in Nigeria, Cyprint publishers Limited, Aba.
Ewa U. (1984) New system economics, African Fep publisher

limited, Onitsha.
Lawal A.O. (1982) a level economics of West African, Ibadan

Heinemann education books.
Nwankwo B.C (1992) Authority in government public policy.

Analysis, Onitsha Nobel Press Limited.
Osubor J.U. (2001) Finance, Economy and Investment, Dan

Max publisher, Owerri.
Okechukwu .E. (2007) cooperative Law and regulations,

Admix publisher, Enugu.
Simon H.A (1957) Administration Behaviour (2fld edition, New

York, Macmillan publishers.
APPENDIX
Department of cooperative
your own new copy.
Economics & management

Federal Polytechnic Nekede,
P.M.B 1036, Owerri
Imo State.
Dear sir/Madam
I am a final year student of federal polytechnic Nekede,

Owerri.
As part of my requirement for the award of National
Diploma (ND) programme, I am conducting a research project
on the government policies on small-scale business and its
impact on Nigeria cooperative development (A case study of
cooperative societies in Anambra State). It is my humble
pleasure for you to participate in this research work which
questionnaire is here under attach, it is only meant for
academic purpose and nothing more.
However, the usefulness of the data depends on you been
sincerely while responding to the question. Your participation in
this research work will facilitate it. Your name and address are
not required and I assure you that all the information given by
you will be treated with utmost confidentially.
Thanks for your mutual cooperation.
Yours Faithfully
UGOJI AKACHUKWU UCHE
QUESTIONNAIRE
Government policies on small-scale business, its impact on
Nigeria cooperative development?

1) Can government policies on small-scale business
improve the services of cooperative society in Anambra
State?
Yes No
2) Can cooperative society relevant on the policies of
government in small-scale business?
Yes No
3) Is these government polices on small scale business
has positive impact?
Yes No
4) Can these government policies on small-scale business
increase the activities of cooperative societies in Anambra
State?
Yes No
5) How can the government of Anambra State improve the
standard of cooperative in Anambra State
a) Providing enough fund for the societies
b) To build much industries for the cooperative society and
for the state.
c) To help the cooperative society be recognized in State
and countries apart from Anambra State.

your own new copy.
6) Can the government of Anambra State help to fight the
set back of cooperative societies in small-scale
business?
Yes No

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GOVERNMENT POLICIES ON SMALL SCALE BUSINESS,

ITS IMPACT ON NIGERIA COOPERATIVE DEVELOPMENT

A RESEARCH PROJECT PRESENTED TO THE SCHOOL OF

IN PARTIAL FULFILLMENT OF THE REQUIRMENTS FOR

I hereby certify that this project was under their supervision

and is adequate in scope and quality for the award of the

--------- in the Department of cooperative economic and

This project is dedicated to the Almighty God who has given

me the power, wisdom, knowledge, ability and understanding

without which this project would have remained in dream.

I remain eternally grateful to God for the great opportunity and

inspiration given to me that lead to the writing of this work.

Special thanks go to all my family members who have by one

way or the other helped me to finish this project.

Secondly, my gratitude to my parent Mr. & Mrs. ------ for their

parental care, prayers and financial support.

Lastly, my gratitude goes also to my supervisor Mr. -------, for

increasing my knowledge in this project, as well as my head of

department Mr. --------------------.

i.That government policies have impacted it operative

1.1 Background of the study 3

1.2 Statement of problems 4

1.3 The objective of the study 5

1.4 Research question 6

1.5 The significance of the study 6

1.6 The scope of the study 7

1.7 The limitation of the study 8

1.8 Definition of terms 8

2.1 Co-Operative in Anambra State 10

2.2 The concept of co-operative

2.3 The nature of co-operative societies in

2.4 Service offered by small scale business 24

3.1 Research Design 28

3.2 The population of the study 29

3.3 sample size sample size determination 30

3.4 sources of data 30

3.5 methods of data 31

3.6 Validation of research instrument 32

4.1 Presentation of data analysis 34

4.2 Interpretation of data 38

5.1 Summary Of Finding 40

Definition of co-operative societies are voluntary form of

business organization in which individual in a particular track

comes together to fester a smooth relationship aimed at

protecting the interest of their members.

Oguejio for (2001) defined co-operative society as an

association of person who voluntarily jointed together through

business organization to achieve their common capital sharing

in the risk and benefits and member participate actively and

benefit and member participate actively and democratically.

C.C. Bob-Igwe defined co-operative society as an association of

persons who have voluntarily joined together to achieve a

common end through the formation of a democratically

controlled business organization making equitable contribution

to the capital required and accepting a fair share of the risks

and benefits of the undertaking in which the members actively

movement in the world has been seen as a continue or

situation event or activity and an invention of necessity. It was

born out of the local and economic condition and situation in

Europe. The industrial revolution in the Europe on the late

eighteenth and all through the nineteenth century culminated

in the formation of co-operative movement.