TABLE OF CONTENTS

 TITLE PAGE……………………………………………………………..i

 APPROVAL PAGE………………………………………………………ii

 DEDICATION…………………………………………………………….iii

 ACKNOWLEDGEMENT…………………………………………………iv

 ABSTRACT………………………………………………………………..vi

 TABLE OF CONTENT……………………………………………………viii

 CHAPTER ONE

 INTRODUCTION

BACKGROUND TO THE STUDY……………………………………….1

STATEMENT OF PROBLEM…………………..………………………..6

OBJECTIVE OF THE STUDY…………………………….…………..…9

HYPOTHESIS OF THE STUDY…………………………………………9

SIGNIFICANCE OF THE STUDY…………………….………………..10

SCOPE AND LIMITATION OF HE STUDY…………………………..10

CHAPTER TWO

REVIEW OF RELATED LITERATURE

 2.1    THEORITICAL L ITERATURE……………………………….……….12

 2.1.1 THE PRE-REQUISITE THESIS VERSUS

 THE CONCURRENCE THESIS……………………………………….14

 2.2    FINANCING AGRICULTURE IN NIGERIA …………………………18

 2.1.1           SOURCES OF AGRICULTURAL FINANCING …………………….20

 2.3    COMMERCIAL BANK CREDIT AND AGRICULTURAL OUTPUT………………………………………………………………... 23

 2.4    EMPIRICAL LITERATURE……………………………………………..28

CHAPTER THREE

RESEARCH METHODOLOGY

 3.1    MODEL SPECIFICATION …………………………………….……….34

 3.2    ESTIMATION PROCEDURE………………..…………………………36

 3.3    EVALUATION TECHNIQUES………..………………………………..37

 3.4    DATA REQUIRED AND SOURCES…………………………………..41

CHAPTER FOUR

DATA PRESENTATION AND ANALYSIS

 4.1    UNIT ROOT TEST………………………………………………………43

 4.2    CO INTEGRATION TEST………………………………………………44

 4.3    PRESENTATION AND INTERPRESTATION OF RESULT………..46

 4.3:1 INTERPRESTATION OF REGRSSION RESULT…………..………..47

 4.4    EVALUATION OF EMPIRICAL RESULT……………………………..48

 4.4:1 ECONOMIC CRITERIA (A PRIORI EXPECTATION)……………....48

 4.4:2 STATISTICAL CRITERIA……………………………………………..50

 4.4:3 COEFFICIENT OF DETERMINATION (R2)………………………….51

 4.4.4 THE T-STAISTICS……………………………………………………..51

 4.4.5 THE F-TEST…………………………………………………………….52

 4.5. ECONOMIC CRITERIA (SECOND ORDER TEST)…………………53

CHAPTER FIVE

SUMMARY, CONCLUSION AND RECOMMENDATION

 5.1    SUMMARY……………………………………………..……………..… 59

 5.2    CONCLUSION …………………………………………………………..62

 5.3    RECOMMENDATION………………………………………..………….63

 BIBLIOGRAPHY……………………………………………….…………67

 APPENDIX