Öz
Kaynakça
- Adu, C.A (2013).Small and medium scale enterprises funding in Nigeria: Prospects and Challenges.Crawford Journal of Business & Social Sciences, 3(1)17-23 Acha, I. (2008).Microfinance banks in Nigeria: Problems and prospects. Journal of Finance and Accounting, 1(5), 106-111 Ajah, E., Eyo, E.,& Abang, S (2013).Repayment performance among cassava and yam farmers Under Nigerian Agricultural Bank Smallholders Loan Scheme in Cross-Rivers. British Journal of Economics, Management and Trade, 3(4):453-467 Bhuiya, A (2015). Why did most microfinance banks fail? Guardian Newspaper, January 25. The Managing Director of Asha Microfinance Bank, Ikeja, Lagos Babajide, A. A., Taiwo, J. N., and Isibor A. (2015). Micro-savings mobilisation innovation And poverty alleviation in Nigeria, Mediterranean Journal of Social Sciences, 6(4),375 – 378 Christen, P., Rhyne, E., Vogel, R., & McKean, C. (2001). Maximising the outreach of micro-enterprise finance: An analysis of successful microfinance programs, USAID program and operations assessment report No 10, Washington, D.C., U.S. Agency for International Development Churchill, C. (2002). Trying to understand the demand for micro-insurance, Journal of International Development, 14(10), 381-387 Cohen,M.(2002). Making microfinance more client-led. Journal of International Development, 14(12), 335-350 Daily Posts (2018).Central Bank of Nigeria. September 26 Eyiah, Alex K, (2001). An integrated approach to financing small contractors in developing countries: A conceptual model, Construction Management and Economics 19(9), 511- 518 Njoku, J.E & Obasi, P.C(2001).Loan repayment AGF-Agric credit guarantee scheme and its Determinants under the (ALGS) in Imo State, Nigeria. African Journal Review of Money Finance and Banking, 201 Nourse, H.(2001).The missing parts of microfinance: Services for consumption and insurance, SAIS Review 21(4), 61-70 Oshuntogun, A(2007).Extending agricultural credits through public institutions in Nigeria: A comprehensive study of the Ondo Agricultural Credit Corporation and Ogun State Agricultural Development Corporation
Öz
The study
investigated the client-enterprise profitability and loan failure of
microfinance banks (MFBs) borrowers in Ogun State with a population of forty
seven MFBs where twenty MFBs were selected as sample size for this study. The
survey design was used through the administration of questionnaire. The linear
regression method was used in analysing data and it was found out that effective monitoring and constant record
checking was ensured by the microfinance banks’ staff that made the borrowers
keep records of their business transactions through the positive correlation
with loan size structuring, (X2 =171.859; p-value<0.01 and
correlation coefficient =0.416; p-value <0.01); enterprise profitability
further confirmed the highest hazard on period of default with further evidence
from the Omnibus tests of
model coefficients (X2 = 38.645,
degree of freedom=5, P-value<0.001) as indicated in the statistical
relevance of the model. It was recommended that there should be an
interactive session (interview) between the loan manager and borrower for the
establishment of facts stated in the loan request form, quality cash-flow
analysis of enterprises should be properly done before loan is granted to SMEs
likewise there should be effective monitoring of loan usage by monitoring team
of the microfinance banks to avoid diversion.
Anahtar Kelimeler
enterprise profitability loan failure record –keeping loan size
Kaynakça
- Adu, C.A (2013).Small and medium scale enterprises funding in Nigeria: Prospects and Challenges.Crawford Journal of Business & Social Sciences, 3(1)17-23 Acha, I. (2008).Microfinance banks in Nigeria: Problems and prospects. Journal of Finance and Accounting, 1(5), 106-111 Ajah, E., Eyo, E.,& Abang, S (2013).Repayment performance among cassava and yam farmers Under Nigerian Agricultural Bank Smallholders Loan Scheme in Cross-Rivers. British Journal of Economics, Management and Trade, 3(4):453-467 Bhuiya, A (2015). Why did most microfinance banks fail? Guardian Newspaper, January 25. The Managing Director of Asha Microfinance Bank, Ikeja, Lagos Babajide, A. A., Taiwo, J. N., and Isibor A. (2015). Micro-savings mobilisation innovation And poverty alleviation in Nigeria, Mediterranean Journal of Social Sciences, 6(4),375 – 378 Christen, P., Rhyne, E., Vogel, R., & McKean, C. (2001). Maximising the outreach of micro-enterprise finance: An analysis of successful microfinance programs, USAID program and operations assessment report No 10, Washington, D.C., U.S. Agency for International Development Churchill, C. (2002). Trying to understand the demand for micro-insurance, Journal of International Development, 14(10), 381-387 Cohen,M.(2002). Making microfinance more client-led. Journal of International Development, 14(12), 335-350 Daily Posts (2018).Central Bank of Nigeria. September 26 Eyiah, Alex K, (2001). An integrated approach to financing small contractors in developing countries: A conceptual model, Construction Management and Economics 19(9), 511- 518 Njoku, J.E & Obasi, P.C(2001).Loan repayment AGF-Agric credit guarantee scheme and its Determinants under the (ALGS) in Imo State, Nigeria. African Journal Review of Money Finance and Banking, 201 Nourse, H.(2001).The missing parts of microfinance: Services for consumption and insurance, SAIS Review 21(4), 61-70 Oshuntogun, A(2007).Extending agricultural credits through public institutions in Nigeria: A comprehensive study of the Ondo Agricultural Credit Corporation and Ogun State Agricultural Development Corporation
Ayrıntılar
| Birincil Dil | İngilizce |
|---|---|
| Bölüm | Makaleler |
| Yazarlar | |
| Yayımlanma Tarihi | 28 Nisan 2019 |
| Gönderilme Tarihi | 7 Mart 2019 |
| Yayımlandığı Sayı | Yıl 2019Cilt: 5 Sayı: 13 |
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