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2The government has intervened several times to inject credit into the cooperative sub-sector of the economy. One intervention was the change, in 1976, of the Nigerian Agricultural Bank Ltd to Nigerian Agricultural and Cooperative Bank Ltd so as to give special attention to cooperative activities (CBN Annual Report, 1976; Ukpanya, 1997). Furthermore, in the year 2000, the government renamed the Nigerian Agricultural And Cooperative Bank (NACB) Ltd to become the Nigerian Agricultural Cooperative And Rural Development Bank (NACRDB) Ltd to reflect the rural nature of cooperative activities in Nigeria (FGN Budget, 2000).