The effect of micro-credit on poverty reduction in Northeast Nigeria

Micro-credit is a financial service offered to the poor to start an enterprise or to expand an existing one. Poverty is the inability of individual households to command sufficient resources to meet socially acceptable standard of living. Thus, this study sought to establish the effect of micro-cred...

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Main Author:	Kaka, Emmanuel John
Format:	Thesis
Language:	eng eng
Published:	2017
Subjects:	HG Finance
Online Access:	https://etd.uum.edu.my/7299/1/s95063_01.pdf https://etd.uum.edu.my/7299/2/s95063_02.pdf
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id	my-uum-etd.7299
record_format	uketd_dc
institution	Universiti Utara Malaysia
collection	UUM ETD
language	eng eng
advisor	Zainal Abidin, Faudziah
topic	HG Finance
spellingShingle	HG Finance Kaka, Emmanuel John The effect of micro-credit on poverty reduction in Northeast Nigeria
description	Micro-credit is a financial service offered to the poor to start an enterprise or to expand an existing one. Poverty is the inability of individual households to command sufficient resources to meet socially acceptable standard of living. Thus, this study sought to establish the effect of micro-credit on poverty reduction in Northeast Nigeria. The study employed an intensive research design over an extensive period of time, a 24- weekly visit, for a period of 6 months. The population for this study consisted of a sample of 87 respondents, which involved 53 beneficiaries of the Development Exchange Centre micro-credit institution and 34 non-beneficiaries in the Lere and Bombar districts in Bauchi state, Northeast Nigeria. Stratified random sampling was employed in selecting the respondents for the study. Qualitative and quantitative data were collected by the use of interview questionnaire and in-depth interview. The data was processed using Stata. Ordinary Least Square was used to determine whether a group of variables together could predict a given dependent variable, mean difference between the beneficiaries and non-beneficiaries was conducted to assess the real effect of micro-credit on business income and expenditure. The three independent variables (credit, savings and supervision) considered in this study were relevant and significant in explaining the effect of micro-credit on business income and expenditure. The study discovered that the mean analysis showed a highly significant difference in the mean value of the beneficiaries as compared to the non-beneficiaries on income and expenditure. The study concluded that micro-credit could increase income and expenditure and hence, reduce poverty among DEC micro-credit beneficiaries.
format	Thesis
qualification_name	other
qualification_level	Doctorate
author	Kaka, Emmanuel John
author_facet	Kaka, Emmanuel John
author_sort	Kaka, Emmanuel John
title	The effect of micro-credit on poverty reduction in Northeast Nigeria
title_short	The effect of micro-credit on poverty reduction in Northeast Nigeria
title_full	The effect of micro-credit on poverty reduction in Northeast Nigeria
title_fullStr	The effect of micro-credit on poverty reduction in Northeast Nigeria
title_full_unstemmed	The effect of micro-credit on poverty reduction in Northeast Nigeria
title_sort	effect of micro-credit on poverty reduction in northeast nigeria
granting_institution	Universiti Utara Malaysia
granting_department	Islamic Business School
publishDate	2017
url	https://etd.uum.edu.my/7299/1/s95063_01.pdf https://etd.uum.edu.my/7299/2/s95063_02.pdf
_version_	1747828191621283840
spelling	my-uum-etd.72992021-05-10T00:33:36Z The effect of micro-credit on poverty reduction in Northeast Nigeria 2017 Kaka, Emmanuel John Zainal Abidin, Faudziah Islamic Business School Islamic Business School HG Finance Micro-credit is a financial service offered to the poor to start an enterprise or to expand an existing one. Poverty is the inability of individual households to command sufficient resources to meet socially acceptable standard of living. Thus, this study sought to establish the effect of micro-credit on poverty reduction in Northeast Nigeria. The study employed an intensive research design over an extensive period of time, a 24- weekly visit, for a period of 6 months. The population for this study consisted of a sample of 87 respondents, which involved 53 beneficiaries of the Development Exchange Centre micro-credit institution and 34 non-beneficiaries in the Lere and Bombar districts in Bauchi state, Northeast Nigeria. Stratified random sampling was employed in selecting the respondents for the study. Qualitative and quantitative data were collected by the use of interview questionnaire and in-depth interview. The data was processed using Stata. Ordinary Least Square was used to determine whether a group of variables together could predict a given dependent variable, mean difference between the beneficiaries and non-beneficiaries was conducted to assess the real effect of micro-credit on business income and expenditure. The three independent variables (credit, savings and supervision) considered in this study were relevant and significant in explaining the effect of micro-credit on business income and expenditure. The study discovered that the mean analysis showed a highly significant difference in the mean value of the beneficiaries as compared to the non-beneficiaries on income and expenditure. The study concluded that micro-credit could increase income and expenditure and hence, reduce poverty among DEC micro-credit beneficiaries. 2017 Thesis https://etd.uum.edu.my/7299/ https://etd.uum.edu.my/7299/1/s95063_01.pdf text eng public https://etd.uum.edu.my/7299/2/s95063_02.pdf text eng public other doctoral Universiti Utara Malaysia Abiodun, O.A., Tolulope, A.O., Rahman, Y.B. & Adiola, I.K. (2012). Impact assessment of microfinance institutions in Nigeria: gaps, inefficiencies and emerging solution. Information Management, 12, 157-166. Adamu, G. (2007). Role of Micro finance Institutions in Actualization of MDGS. Paper presented at the induction ceremony of Institute of Chartered Economics of Nigeria (ICEN) in Port Harcourt. Adejumo, D.G. & Olaoye, J. A. (2012). Roles and problems of small–scale business development programs in Nigeria. Available: http://www.ijmbs.com/21/dende.pdf. Accessed November 9, 2012. Adeniyi, I.M. (2011). 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