Paper 1. Financial Inclusion in Nigeria: Microfinance Banks' Scorecard
Acha, Ikechukwu A. 1, Ukpong, Mfon2 and Frank, Bassey I. 3
One of the reasons for the establishment of Microfinance Banks (MFBs) in Nigeria was the curtailment of financial dualism by improving the level of financial inclusion. On this score, this study sets out to assess the performance of MFBs in Nigeria. It achieves this by comparing the performance of MFBs in four other countries (India, Ghana, Bangladesh and Kenya with similar economic fundamentals as Nigeria’s) with those of the MFBs in Nigeria. Relying on secondary data from relevant monetary authorities and data bases this study concludes that though MFBs in Nigeria have played a significant role in improving the state of financial inclusion but relatively they have fallen short of performance standards set in the other countries studied. The study attributes this poor performance to low outreach occasioned by colloquial methodologies and the concentration of MFBs in urban areas already saturated by commercial banks. To improve the performance of MFBs in Nigeria with regards to financial inclusion, the study suggests tax incentives, reduction of deposit insurance premium and subsidised training for MFBs that locate in rural areas where their impact would be felt more.
Paper 2. Functional Micro-insurance Model for Micfrofinance Banks to Boast SMEs in Nigeria
Paper 3. Informal Financial Institutions and Poverty Alleviation in Nigeria: A Multivariate Panel Data Approach
Paper 4. Financial Inclusion of Rural SMEs and Poverty Alleviation in Nigeria: An Empirical Review
Ofeimun Godwin Omogbai
The study examined the impact of financial inclusion on poverty alleviation in Nigeria. The study adopts the ex post facto research design hence data for the study was obtained from secondary sources. The study made use of the Ordinary Least Square (OLS) regression analysis as the data analytical method. To ensure that our model is statistically valid, other diagnostic tests such as Jarque-Bera, and Correlation tests were conducted. Findings of the study showed that sectorial loan spread and loan to SMEs have a significant positive relationship with poverty alleviation in Nigeria during the period under review. The study also reveals that there is no significant positive relationship between deposits by rural areas and poverty alleviation in Nigeria. The study concludes that financial inclusion has a great role to play in stimulating economic growth and increase per capita income of the populace and recommends that efforts should be intensified to lend to the rural areas and SMEs especially to the agriculture sub sector so as to enhance food sufficiency, promote export, improve living standard and bring the unbanked rural dwellers to formal financial system.
Keywords: Financial Inclusion, Economic Growth, Per Capita Income, Standard of Living, SMES.
Paper 5. Entrepreneurial Agility and Competitive Advantage of Microfinance Banks in Anambra State
Paper 6. Financial Inclusion as a Strategy for Entrepreneurial Development
Paper 7. Financial Inclusion and Entrepreneurship Development: An Appraisal of Nigeria's Microfinance Banks
Paper 8. Relative Contributions of Microfinance and Commercial Banks to Economic Diversification in Nigeria: Empirical Evidence
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Paper 22. Monetary Policy and Quest for Financial Inclusion in Nigeria: an empirical investigation
Paper 23. Fraud and Microfinance Institutions in Nigeria
Paper 24. Entrepreneurship and the Growth of Nigeria's Public Sector: Challenges and Contributions (1995-2016)
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