THE EFFECT OF AGRICULTURAL COOPERATIVE SOCIETY ON MICRO CREDIT SCHEME AMONG FARMERS’ COOPERATIVE IN KANO STATE (A CASE STUDY OF SUMAILA LOCAL GOVERNMENT AREA)

The purpose of this study is on the impact of cooperative society on access to credit among Traders of Sumaila Multipurpose Cooperative society in Kano state. The aim of the study is to identify the factors that determine access to credit by the members of Cooperative society in the study area. The methodology used was descriptive statistics and inferential which is t-test result, the study found that, from the t-test result the study found that, the estimate result on access to credit (1.8635) is found to be positive and statistically significant at 1% level is 0.003 which is less than 0.05. This showed that provision of credit has positive effect on trader’s multipurpose cooperative membership. There is found to be positive and statistically significant at 2.0374%. This showed that credit finance has positive effect on trader’s multipurpose cooperative membership. This showed that provision of credit has positive effect on trader’s multipurpose cooperative membership. The is found to be positive and statistically significant at 2.0374% Therefore, it was recommended that Multipurpose Cooperative societies should provide capital and to their members as found in this study that lack of capital is the major problem facing their members.