CHAPTER ONE
1.0    INTRODUCTION 
    Housing which  can be defined as collective structures in which mankind is housed and where he carries out his daily economic, social and commercial activities, which  encompass man’s immediate physical surrounding services, facilities and all available social  amenities.  Provision of housing has been a major challenge since the 21st century to all sovereign states across the world.  Adequate housing provision has been hindered over the years, by various factors which ranges from restricted access  to land which is due to land speculation practices, unavailability of soft loans, low level of income, economic instability, poor maintenance culture, mismanagement of public funds, natural disaster among other vices. Hence, various communities and sovereign states across the world have made controlled and concrete efforts in the provision of housing, housing policies, monitoring institution, land reforms, territory laws e.t.c to guarantee and enhance the continuous provision of housing units in their respective territories. This research is to adequately study the activities, efforts challenges and impact of one of such housing agencies in urban city of Ibadan Nigeria
STATEMENT OF THE PROBLEM
Housing is recognised as man’s basic need, it remains one of the most persistent and serious problem facing people in every society. However, provision has been one of the paramount concerns of policy makers in the various countries across the world in recent times. Despites all efforts couples with circulated, well planned and excellent housing policies over the years, there has been a reoccurrence of the problem of housing shortage and insufficient within our society.
It is also pertinent to look into the factors responsible for persistent to look into the factors responsible for persistent housing problems facing people most especially in developing nation like Nigeria. These factors are
I.        High cost of building materials
II.        Level of urbanization
III.    High construction rates
IV.        Unavailability of adequate finance
V.        High birth rate resulting into overpopulation in the urban          centre
VI.       Poor implementation of housing policy
It is on the strength of this situation that this appraised the government institution on housing  development in Ibadan but despite the fact that the efforts were made in favour of urban centre, that is of primary mortgage intends to examine the contribution of primary mortgage institution in solving housing problems in our urban centers and access the problems they encountered.
1.1    AIM AND OBJECTIVES
The research aim at examining the contribution of cooperative saving and loans limited in the provision of housing
The following objectives will be revised in order to achieve the aim;
i.    To access the no of houses constructed through the primary mortgage institution
ii.    To access the condition attached to loan granted
iii.    To identify the problems encountered by savings and loan  limited
iv.    To provide  recommendation to the problems
1.2    SIGNIFICANCE OF THE STUDY
The research study will highlight various challenges which primary mortgage institution faces in the provision of mortgage loan in the case study area. Also it will access the impact and efforts of coop savings and loan limited in housing delivery provision in Ibadan.
Therefore research work will proffer solution to
a.    Low level of awareness of the activities of primary mortgage institution in Nigeria society
b.    Shortage of adequate housing facilities
c.    Uneven distribution of primary mortgage institution across Nigeria
d.    And other various difficulties encountered by loan applicants in the course of seeking loan facility.