CHAPTER ONE

1.0 INTRODUCTION

1.1 BACKGROUND OF THE STUDY

In any economy, one or more sections serves the prime movers drilling the rest of the economy. Agriculture until recently has been the prime mover of Nigeria’s economy. The last fifteen years witnessed successive governments in Nigeria’s taking several steps to boost agricultural production in the country.

Most notable among these efforts were the “National Accelerated Food Production Programme” ( NAFPP) which was launched in 1973. Operation feed the nation (OFN) of 1976 and the Green Revolution Programme (GRP) that was launched in 1980 (IJERE. M. O 1975). Special projects were also embarked upon to enhance agriculture such as Agricultural Development Authorities, River Basin and Rural Development Authorities, to mention just a few. Provision of fertilizer, improved seeding to farmers, mass enlightenment campaigns. Introduction of technology packages were also some of the attempts made to raising agricultural production.

In spite of all these, agricultural production in Nigeria is far from the target. Productivity has declined to the extent that the country had to resort to importing agricultural products including food items, some of which were luthen to known to have been exported. This unsavory situation has led concerned authorities to examine closely the problems confronting higher agricultural productivity. One of the major constraints identified is inadequate capital and credit facilities to the farmers. Others are poor transportation, inadequate flow of funds into agriculture has been identified as a critical factor in decelerating increased food production in Nigeria (Adeyeye; 1978).

Making funds available to farmers through agricultural credit facilities is importance because it enables them expand the scope of their operation and adopt new production techniques, also it enable them to develop orderly marketing of their product through the adaptation of new techniques for processing and storage as well as generating high bargaining power associated with greater liquidity.

In order to ameliorate this funding problems being encountered by the financial institution in Nigeria to allocate yearly a certain percentage of the total lending to the agricultural sector, this is was hoped, would afford the farmers the capital and production credit needed to boast agriculture. This attempt at sector allocation failed to achieve the intended objective as trading banks were reluctant to lend to agriculturist because of the high default risk resulting from the uncertainty and risk inherit in agricultural production and marketing.

The farmers were also confronted with the inability to provide the needed collateral securities . The farmers inability to provide the needed collateral securities by banks led to the search for co-operative societies. The group can lend to individual member farmers and outsiders today. There are many co-operative thrift and credit societies and this project hereby examines the impact they have made towards the financing or upliftment of agricultural production in Nigeria.

1.2 STATEMENT OF THE PROBLEMS

Co-operative societies was the revolt against exploitation of workers, the die living condition of the urban masses on estimated competition and greed; peoples bad attitudes, hatred and excessive exploitation of man to man. The establishment of co-operative around Enugu was to ender services among their members and non-members but revers is now the case, in the sense that almost all the co-operative organization around Enugu is said to have closed down for no good reason. The few surviving co-operative still in business in Enugu state are so unpopular that they have made impact on the economy of Nigeria. It is true that lack of interest in the societies and also two much of egocentric is one of the things that runs the societies down in Enugu state.

1.3 OBJECTIVES OF THE STUDY

1. It helps to determine the role of co-operative thrift and credit societies in agricultural financing.

2. To find out how they are functioning.

3. To find out the nature of the society.

4. To make recommendation of how to carry with the activities of the society.

5. It determine whether the society could still be in operation.

6. To promote a sustainable self-help financial solution for members that effectively improves their living condition.

7. To promoting saving with members.

8. Extending loans to members at reasonable interest rates.

9. Providing/organizing training to members on how to run the association effectively.

1.4 RESEARCH QUESTION

1. How can we minimize the factors that influence cooperative business enterprise through by financing.

2. Can a cooperative borrow loan from her members?

3. How does cooperative finance existing business enterprises in Nigeria?

4. Does funds helps in cooperative business enterprises in Nigeria?

5. Of what important does cooperative thrift and credit society useful to us in Nigeria.

1.5 SIGNIFICANCE OF THE STUDY

This study is conducted in other to examine the role of co-operative thrift and credit societies in financing the Agricultural sector of the economy.

At the end of the analysis, the co-operative thrift and credit societies and policy makers could be well informed of the examination of their roles with a view to provide improving certain standard which are carried at increased

food production, capital formation and standard of living.

The banks and financial institutions will take bearing from co-operative banks, hence enlarging their scope and increasing revenue opportunities. The Enugu state government and the nation as a whole will benefit as findings in these studies will be equally used where necessary to improve agricultural finance in other parts of the country. The nation will further benefit from the study in the sense that the recommendations will boost food production, the cross domestic product and improve standard of living. The farmers would as well be enlightened to the credit opportunities available to them.

1.6 SCOPE AND LIMITATIONS OF THE STUDY

Though, it is believed that this project research will serve a national purpose, but for easy co-ordination of facts. This project research will be concentrated on a sample of co-operative societies and farmers in Enugu state.

However, production has not been easy. The research encountered many constraints which tended to have retarded or delayed the work. The nature of the project topic made it possible that data are processed on restrictive basis, this exposed the research to a little hardship, inadequate finance also contributed a problem, to the research.

1.7 DEFINITION OFTERMS

The following terms are used in the project and are defined thus:

Co-operative:

This is an association of persons who have voluntarily joined together to achieve a common end, through making equitable contributions to the capital required and accepting a fair share of the risks and benefits of the undertaking in which the members actively participates.

Agriculture: This is an overall planning, management and control of land, live stocks, wild life and crops with an aim to increasing food productions, raw materials for industries, research and employment. Rural:

This is the opposite of urban of a town where life is usually sustained through farming.

REFERENCES

1. IJERE, M.O. (1975), first step in co-operative Organization, Enugu Government Printer P. 37.

2. ADYEYE S.O. (1978), The Co-operative Movement in Nigeria. Gottingon Publishers P. 58.

HOW TO GET THE FULL PROJECT WORK

PLEASE, print the following instructions and information if you will like to order/buy our complete written material(s).

HOW TO RECEIVE PROJECT MATERIAL(S)
After paying the appropriate amount into our bank Account below, send the following information to
08140350866 or 08058580848

(1) Your project topics
(2) Email Address
(3) Payment Name
(4) Teller Number
We will send your material(s) immediately we receive bank alert

BANK ACCOUNTS
Account Name: AKINYEMI OLUWATOSIN
Account Number: 3022179389
Bank: FIRST BANK.

OR
Account Name: AKINYEMI OLUWATOSIN
Account Number: 2060566256
Bank: UBA.

OR
Account Name: AKINYEMI OLUWATOSIN
Account Number: 0042695344
Bank: Diamond

HOW TO IDENTIFY SCAM/FRAUD
As a result of fraud in Nigeria, people don’t believe there are good online businesses in Nigeria.

But on this site, we have provided “table of content and chapter one” of all our project topics and materials in order to convince you that we have the complete materials.

Secondly, we have provided our Bank Account on this site. Our Bank Account contains all information about the owner of this website. For your own security, all payment should be made in the bank.

No Fraudulent company uses Bank Account as a means of payment, because Bank Account contains the overall information of the owner

CAUTION/WARNING
Please, DO NOT COPY any of our materials on this website WORD-TO-WORD. These materials are to assist, direct you during your project. Study the materials carefully and use the information in them to develop your own new copy. Copying these materials word-to-word is CHEATING/ ILLEGAL because it affects Educational standard, and we will not be held responsible for it. If you must copy word-to-word please do not order/buy.

That you ordered this material shows you have agreed not to copy word-to-word.

FOR MORE INFORMATION, CALL:
08058580848, 08140350866

YOU CAN ALSO VISIT:

www.greatmindsprojectmaterials.com
www.greatmindsprojectsolution.com
www.achieversprojectmaterials.com
www.naijasplash.com
www.achieversprojectmaterials.blogspot.com
www.achieverprojectmaterial.blogspot.com
www.acheiversprojectmaterials.blogspot.com
www.archieverprojectmaterials.blogspot.com
www.acheiversprojectmaterials.blogspot.com.ng
www.archieverprojectmaterials.blogspot.com.ng
www.achieversprojectmaterials.blogspot.com.ng
www.achieverprojectmaterial.blogspot.com.ng
www.achieverprojectmaterial.wordpress.com
www.achieversprojectmaterials.wordpress.com
www.acheiversprojectmaterials.wordpress.com
www.archieverprojectmaterials.wordpress.com

CHAPTER ONE

1.0 INTRODUCTION

1.1 BACKGROUND OF THE STUDY

In any economy, one or more sections serves the prime movers drilling the rest of the economy. Agriculture until recently has been the prime mover of Nigeria’s economy. The last fifteen years witnessed successive governments in Nigeria’s taking several steps to boost agricultural production in the country.

Most notable among these efforts were the “National Accelerated Food Production Programme” ( NAFPP) which was launched in 1973. Operation feed the nation (OFN) of 1976 and the Green Revolution Programme (GRP) that was launched in 1980 (IJERE. M. O 1975). Special projects were also embarked upon to enhance agriculture such as Agricultural Development Authorities, River Basin and Rural Development Authorities, to mention just a few. Provision of fertilizer, improved seeding to farmers, mass enlightenment campaigns. Introduction of technology packages were also some of the attempts made to raising agricultural production.

In spite of all these, agricultural production in Nigeria is far from the target. Productivity has declined to the extent that the country had to resort to importing agricultural products including food items, some of which were luthen to known to have been exported. This unsavory situation has led concerned authorities to examine closely the problems confronting higher agricultural productivity. One of the major constraints identified is inadequate capital and credit facilities to the farmers. Others are poor transportation, inadequate flow of funds into agriculture has been identified as a critical factor in decelerating increased food production in Nigeria (Adeyeye; 1978).

Making funds available to farmers through agricultural credit facilities is importance because it enables them expand the scope of their operation and adopt new production techniques, also it enable them to develop orderly marketing of their product through the adaptation of new techniques for processing and storage as well as generating high bargaining power associated with greater liquidity.

In order to ameliorate this funding problems being encountered by the financial institution in Nigeria to allocate yearly a certain percentage of the total lending to the agricultural sector, this is was hoped, would afford the farmers the capital and production credit needed to boast agriculture. This attempt at sector allocation failed to achieve the intended objective as trading banks were reluctant to lend to agriculturist because of the high default risk resulting from the uncertainty and risk inherit in agricultural production and marketing.

The farmers were also confronted with the inability to provide the needed collateral securities . The farmers inability to provide the needed collateral securities by banks led to the search for co-operative societies. The group can lend to individual member farmers and outsiders today. There are many co-operative thrift and credit societies and this project hereby examines the impact they have made towards the financing or upliftment of agricultural production in Nigeria.

1.2 STATEMENT OF THE PROBLEMS

Co-operative societies was the revolt against exploitation of workers, the die living condition of the urban masses on estimated competition and greed; peoples bad attitudes, hatred and excessive exploitation of man to man. The establishment of co-operative around Enugu was to ender services among their members and non-members but revers is now the case, in the sense that almost all the co-operative organization around Enugu is said to have closed down for no good reason. The few surviving co-operative still in business in Enugu state are so unpopular that they have made impact on the economy of Nigeria. It is true that lack of interest in the societies and also two much of egocentric is one of the things that runs the societies down in Enugu state.

1.3 OBJECTIVES OF THE STUDY

1. It helps to determine the role of co-operative thrift and credit societies in agricultural financing.

2. To find out how they are functioning.

3. To find out the nature of the society.

4. To make recommendation of how to carry with the activities of the society.

5. It determine whether the society could still be in operation.

6. To promote a sustainable self-help financial solution for members that effectively improves their living condition.

7. To promoting saving with members.

8. Extending loans to members at reasonable interest rates.

9. Providing/organizing training to members on how to run the association effectively.

1.4 RESEARCH QUESTION

1. How can we minimize the factors that influence cooperative business enterprise through by financing.

2. Can a cooperative borrow loan from her members?

3. How does cooperative finance existing business enterprises in Nigeria?

4. Does funds helps in cooperative business enterprises in Nigeria?

5. Of what important does cooperative thrift and credit society useful to us in Nigeria.

1.5 SIGNIFICANCE OF THE STUDY

This study is conducted in other to examine the role of co-operative thrift and credit societies in financing the Agricultural sector of the economy.

At the end of the analysis, the co-operative thrift and credit societies and policy makers could be well informed of the examination of their roles with a view to provide improving certain standard which are carried at increased

food production, capital formation and standard of living.

The banks and financial institutions will take bearing from co-operative banks, hence enlarging their scope and increasing revenue opportunities. The Enugu state government and the nation as a whole will benefit as findings in these studies will be equally used where necessary to improve agricultural finance in other parts of the country. The nation will further benefit from the study in the sense that the recommendations will boost food production, the cross domestic product and improve standard of living. The farmers would as well be enlightened to the credit opportunities available to them.

1.6 SCOPE AND LIMITATIONS OF THE STUDY

Though, it is believed that this project research will serve a national purpose, but for easy co-ordination of facts. This project research will be concentrated on a sample of co-operative societies and farmers in Enugu state.

However, production has not been easy. The research encountered many constraints which tended to have retarded or delayed the work. The nature of the project topic made it possible that data are processed on restrictive basis, this exposed the research to a little hardship, inadequate finance also contributed a problem, to the research.

1.7 DEFINITION OFTERMS

The following terms are used in the project and are defined thus:

Co-operative:

This is an association of persons who have voluntarily joined together to achieve a common end, through making equitable contributions to the capital required and accepting a fair share of the risks and benefits of the undertaking in which the members actively participates.

Agriculture: This is an overall planning, management and control of land, live stocks, wild life and crops with an aim to increasing food productions, raw materials for industries, research and employment. Rural:

This is the opposite of urban of a town where life is usually sustained through farming.

REFERENCES

1. IJERE, M.O. (1975), first step in co-operative Organization, Enugu Government Printer P. 37.

2. ADYEYE S.O. (1978), The Co-operative Movement in Nigeria. Gottingon Publishers P. 58.

HOW TO GET THE FULL PROJECT WORK

PLEASE, print the following instructions and information if you will like to order/buy our complete written material(s).

HOW TO RECEIVE PROJECT MATERIAL(S)
After paying the appropriate amount into our bank Account below, send the following information to
08140350866 or 08058580848

(1) Your project topics
(2) Email Address
(3) Payment Name
(4) Teller Number
We will send your material(s) immediately we receive bank alert

BANK ACCOUNTS
Account Name: AKINYEMI OLUWATOSIN
Account Number: 3022179389
Bank: FIRST BANK.

OR
Account Name: AKINYEMI OLUWATOSIN
Account Number: 2060566256
Bank: UBA.

OR
Account Name: AKINYEMI OLUWATOSIN
Account Number: 0042695344
Bank: Diamond

HOW TO IDENTIFY SCAM/FRAUD
As a result of fraud in Nigeria, people don’t believe there are good online businesses in Nigeria.

But on this site, we have provided “table of content and chapter one” of all our project topics and materials in order to convince you that we have the complete materials.

Secondly, we have provided our Bank Account on this site. Our Bank Account contains all information about the owner of this website. For your own security, all payment should be made in the bank.

No Fraudulent company uses Bank Account as a means of payment, because Bank Account contains the overall information of the owner

CAUTION/WARNING
Please, DO NOT COPY any of our materials on this website WORD-TO-WORD. These materials are to assist, direct you during your project. Study the materials carefully and use the information in them to develop your own new copy. Copying these materials word-to-word is CHEATING/ ILLEGAL because it affects Educational standard, and we will not be held responsible for it. If you must copy word-to-word please do not order/buy.

That you ordered this material shows you have agreed not to copy word-to-word.

FOR MORE INFORMATION, CALL:
08058580848, 08140350866

YOU CAN ALSO VISIT:
YOU CAN ALSO VISIT:

www.greatmindsprojectmaterials.com
www.greatmindsprojectsolution.com
www.achieversprojectmaterials.com
www.naijasplash.com
www.achieversprojectmaterials.blogspot.com
www.achieverprojectmaterial.blogspot.com
www.acheiversprojectmaterials.blogspot.com
www.archieverprojectmaterials.blogspot.com
www.acheiversprojectmaterials.blogspot.com.ng
www.archieverprojectmaterials.blogspot.com.ng
www.achieversprojectmaterials.blogspot.com.ng
www.achieverprojectmaterial.blogspot.com.ng
www.achieverprojectmaterial.wordpress.com
www.achieversprojectmaterials.wordpress.com
www.acheiversprojectmaterials.wordpress.com
www.archieverprojectmaterials.wordpress.com

CHAPTER ONE
INTRODUCTION
The thrift and Credit cooperative has been formed with intention of improving the standard of living. The thrift and credit society started in Germany under the leadership of Fredrick Raffeisen in the year 1818 who is now regarded as the father of modern cooperative thrift and credit society.
Germany has always been referred to as the cradle of credit cooperative. At that time, the economic condition of Germany was so deplorable and the peasantry and artisans fiet crushed under the heavy weight of indebtedness. Famine was a common phenomenon used as order of the day. The Jews ruled over the market and the poor labourers and farmers had no way out, except to buy articles of their need from them and sales their product to them. The merchants were money lenders changing very high rate of interest for the credit they gave and offered ridiculously prices for the produce they purchased. With the hopeless life of the peasantry, Raiffeisen emerged to help them out of their indebtedness and poverty years, therefore thought out plan for cooperative societies.
Before the advert of modern cooperative society the thrift and credit society serve at urban area, the traditional mutual system is been called and addressed by different name by various communities who practice it inform of traditional form of saving.
The Hausa call it AdasheBashi in Nupe Asusu in Ogogo etoto in Ibibio etc. The traditional systems of cooperative leaders of the society are elected purely on the agreement of the members, while in modern cooperative.
Cooperative at large, the management committees are elected democratically, and any person contesting for any post must have the question of some vital requirement such as payment of entrance fees, share deposit etc and the member must be voted for any post in the society.
Cooperative thrift and credit society are mainly found among the urban areas, low-income earners, government employees etc. and a good number splitter around is the urban area as well.
BACKGROUND OF THE STUDY
Thrift and credit cooperative society like other sphere of life has it own problems. It is generally believed that any organization irrespective of its size has problems, if not identified and corrective measures applied is bound to hit the rock,. Cooperative thrift and credit is not left out this philosophy identifying and laying these problems is the primary aim of the write up of this project.
The project is aim at highlighting the obstacle responsible for the show growth of organization, it is also an attempt to highlight the aim and objectives of the organization, it is living up to expectation?
The problems are being highlighted analyzed and possible steps to be taken to alleviate the problems.
HISTORICAL BACKGROUND OF THE AREA
Modern cooperative thrift and credit has been in existence in early 202004 to be precisely in orphanage mother multi purpose society. Before then, it was traditionally practiced, low-income earner, petty traders peasant farmers etc. contribute money weekly or monthly, they rotates one after the other which serves as urban development area for its members, and then people have difficulties to secure loan for its members from any financial institution due to the fact that mostly are low income earners, urban areas etc where they have no collateral for security while they normally requested before giving people loan.
But with the establishment of orphanage mother multipurpose in that area, which was established to help people of limited means, which find it difficult to save and secure loan to better their socio economic, encourage, saving and also provide other services to the communities at reasonable rate of interest through application of self help and mutual help which is one of the guiding idea of cooperative.
But most of the people stated with drawing their membership, because they assumed that they only want to dupe and run away with the little money learned due to the fact that the time of establishment there was no emphasis on expansion and diversification of cooperatives thrift and credit in their development plan and there was nobody to educated and enlighten the people about, their aim and objective. So people where complaining that they cannot meet up their needs as a result of non provision of loan for as a whole, lack of proper book keeping and auditing which is due to unskilled personnel, lack of adequate capital and lastly there is also dishonesty and competition among committee members and government which lead to the collapsed of the thrift and credit society.
STATEMENT OF THE STUDY
Cooperative thrift and credit ensure rapid socio economic development of urban areas and the community at large
But due to the fact that there was any serious emphasis on expansion and diversification of cooperative movement in their development plan. Therefore it resulted to low participation of people in cooperative society.
Secondly, it also seems there was serious encouragement from government to ensure that the people were enlighten and educated in other to joint the cooperative society.
RESEARCH QUESTION
To carry out this research the following question are put forward to guide the study:
What are the impacts of cooperative thrift and credit has toward the transformation and development of urban area.
How can the cooperative thrift and credit be restructured so as to give the societies at large, maximum benefit?
What are the problems facing cooperatives thrift and credit societies in the urban areas.
OBJECTIVE OF THE STUDY
The following are the objective of the study.
To find out the impact, cooperative thrift and credit has towards, transformation and development of urban area:
In order to know and identify the problem associated with cooperative thrift and credit societies.
To suggest ways and means through which cooperative thrift and credit movement can be restructure, so as to give maximum benefit to its members.
SIGNIFICANCE OF THE STUDY
This study is significant in the sense through this study the orphanage will be able to know the way to improve their community they will also know the importance of becoming a member of cooperative society, it will enhance a better well being of them and their family.
To the policy makers, this study will encourage members to save; objective of the cooperatives should be thrift, saving definitively increases the poll for further lending, loans must be given for.To management the nature as credit management makes this types of cooperatives one of the most cumbersome. Every credit cooperative must have at least the following offices and positions to make for an effective credit control.
OPERATIONAL DEFINITION OF TERMINOLOGIES
Cooperatives: Can be defined as the autonomous association of person united voluntary to meet their economic social and cultural needs and aspiration through jointly owned democratically controlled enterprises.
Cooperative thrift and Credit: Are specialist cooperative that provide loan to its members and other credit facilities with low interest rate and also encourage saving among members. Members: Are owners of registered society who has the right and privileged as registered members of cooperative thrift and credit
Fredrick Raiffeisen: The name of a German who came out with the idea of modern cooperation thrift and credit society in Germany in 19th century, he is regarded as the father of modern cooperative thrift and credit society.
Modern Cooperative: This means the present cooperative movement which is formatly recognized in a more clearly ways and have the legal backing up the cooperative law, and the individual society by law which makes it look more admirable than the traditional cooperative.
Adashe, Dashi, Asusu and Etoto: The local term used in referring to cooperative thrift and credit among the Hausa Nupe, Igbo, and Yoruba.
Management: Committee are democratically elected officials of a registered cooperative society and they are responsible for running day to day activities of the society. So in most cases success and failure of the society is hinged on them.
Share: Amount of the money to be contributed by all members of a cooperatives society for the sake of the society business activities in some instance. The society sales each share at the sum of one Naira and every members is expected to buy not more than 25 share in the society.
Deposit: Is the total amount of saving collected from the members of the society and sometime from non-member of the society, which is to be deposited in the banks.
Government Cooperative Staff: They are government agents who link the government and the cooperative society in the urban area. These staffs are empowered to inspect the society books of account and give the society members a sound cooperative education

HOW TO GET THE FULL PROJECT WORK

PLEASE, print the following instructions and information if you will like to order/buy our complete written material(s).

HOW TO RECEIVE PROJECT MATERIAL(S)
After paying the appropriate amount into our bank Account below, send the following information to
08140350866 or 08058580848

(1) Your project topics
(2) Email Address
(3) Payment Name
(4) Teller Number
We will send your material(s) immediately we receive bank alert

BANK ACCOUNTS
Account Name: AKINYEMI OLUWATOSIN
Account Number: 3022179389
Bank: FIRST BANK.

OR
Account Name: AKINYEMI OLUWATOSIN
Account Number: 2060566256
Bank: UBA.

OR
Account Name: AKINYEMI OLUWATOSIN
Account Number: 0042695344
Bank: Diamond

HOW TO IDENTIFY SCAM/FRAUD
As a result of fraud in Nigeria, people don’t believe there are good online businesses in Nigeria.

But on this site, we have provided “table of content and chapter one” of all our project topics and materials in order to convince you that we have the complete materials.

Secondly, we have provided our Bank Account on this site. Our Bank Account contains all information about the owner of this website. For your own security, all payment should be made in the bank.

No Fraudulent company uses Bank Account as a means of payment, because Bank Account contains the overall information of the owner

CAUTION/WARNING
Please, DO NOT COPY any of our materials on this website WORD-TO-WORD. These materials are to assist, direct you during your project. Study the materials carefully and use the information in them to develop your own new copy. Copying these materials word-to-word is CHEATING/ ILLEGAL because it affects Educational standard, and we will not be held responsible for it. If you must copy word-to-word please do not order/buy.

That you ordered this material shows you have agreed not to copy word-to-word.

FOR MORE INFORMATION, CALL:
08058580848, 08140350866

YOU CAN ALSO VISIT:
YOU CAN ALSO VISIT:

www.greatmindsprojectmaterials.com
www.greatmindsprojectsolution.com
www.achieversprojectmaterials.com
www.naijasplash.com
www.achieversprojectmaterials.blogspot.com
www.achieverprojectmaterial.blogspot.com
www.acheiversprojectmaterials.blogspot.com
www.archieverprojectmaterials.blogspot.com
www.acheiversprojectmaterials.blogspot.com.ng
www.archieverprojectmaterials.blogspot.com.ng
www.achieversprojectmaterials.blogspot.com.ng
www.achieverprojectmaterial.blogspot.com.ng
www.achieverprojectmaterial.wordpress.com
www.achieversprojectmaterials.wordpress.com
www.acheiversprojectmaterials.wordpress.com
www.archieverprojectmaterials.wordpress.com