%0 Journal Article
%T Farmers¡¯ Awareness and Use of Automated Teller Machines (ATMs) in Selected Communities in Enugu North Senatorial Zone, Enugu State
%A CL Onovo
%A IA Enwelu
%J Journal of Agricultural Extension
%D 2011
%I Agicultural Extension Society of Nigeria (AESON)
%X The study determined farmers¡¯ awareness and use of automated teller machines (ATMs) in some selected communities in Enugu North Senatorial Zone of Enugu State. Interview schedule was used to collect data from a sample size of sixty (60) respondents using purposive selection. Percentage, frequency, and mean scores were used in analyzing data. Majority of the respondents were aware of bank account (95.02%), withdrawal booklet (91.7%) and ATM card (81.7) while few were aware of ATM function keys (41.7%) and ATM cash dispenser (20.0%). The main sources of information on ATMs were bank personnel (80.0%), friends and neighbours (75.0%), family members (73.3%). Other sources were newspaper (43.3%), schools (36.7%) and extension workers (18.3%). A greater percentage of farmers (55%) indicated the use of ATM for cash withdrawals while other transactions included transfer of funds (16.7%) and paying bills/fees/taxes (15.0%). The serious constraints to the use of ATM included fraud (M=1.65), charges on the use of ATM (M=1.22) and network problems (M=1.22). Perceived benefits of the use of ATM included time saving (M=2.85), cash withdrawal (M=2.70), easy access (M=2.60) and greater efficiency (M=2.45). The study recommends that public awareness should be created through workshops, seminars and conferences as well as mounting multiple security cameras and security guards to reduce fraud.
%U http://www.ajol.info/index.php/jae/article/view/84479