BACKGROUND OF THE STUDY
Banking in Nigeria has seen remarkable changes in the last decade, and the business has developed much above hopeful forecasts. Over time, the number of banks rose, as did the diversity of banks. According to Ironsi (2018), banking operations were significantly deregulated, competition intensified, and banks were compelled to be more inventive and service oriented. Nigerian Agricultural, Cooperative, and Rural Development Bank (NACRDB) comes in as a financial institution that provides medium and long-term credit for the creation or expansion of economic agricultural, commercial, and industrial. It is usually set up by the government.
According to Anioma (2017), Agriculture is one of the sectors in the Nigerian economy that is critical to its economic growth and development. It plays an important role in the economy by supplying food, raising domestic savings, giving foreign exchange earnings, employment, raw materials for the industrial sector, and growing the country's GDP. Prior to the establishment of NACRDB, Sanusi (2016) opined that the government tried numerous different methods to support agriculture in the country, but they all failed the economy. These Nigerian Agricultural, Cooperative, and Rural Development Banks were established in pursuit of an effective agricultural finance organization.
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