The impact of microfinance on women’s empowerment in Niger State, Nigeria

The impact of microfinance on women’s empowerment in Niger State, Nigeria

There have been contentious debates among academics associated with issues of microfinance and women’s empowerment. For a developing country like Nigeria, the issue of microfinance has significance in providing solutions to poverty alleviation and women’s empowerment. This thesis investigates the im...

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Main Author: Daniyan-Bagudu, Hauwa
Format: Thesis
Language:eng
eng
Published: 2018
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HG Finance
Online Access:https://etd.uum.edu.my/7786/1/s95838_01.pdf
https://etd.uum.edu.my/7786/2/s95838_02.pdf
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institution Universiti Utara Malaysia
collection UUM ETD
language eng
eng
advisor Mohd Khan, Shazida Jan
Abdul Hakim, Roslan
topic HG Finance
spellingShingle HG Finance
Daniyan-Bagudu, Hauwa
The impact of microfinance on women’s empowerment in Niger State, Nigeria
description There have been contentious debates among academics associated with issues of microfinance and women’s empowerment. For a developing country like Nigeria, the issue of microfinance has significance in providing solutions to poverty alleviation and women’s empowerment. This thesis investigates the impact of microfinance on women’s empowerment with a focus on Niger state, Nigeria. This study uses qualitative study method by making a list of customers registered with Edumuna Microfinance Bank (EMFB) as respondents. The data were collected using in-depth interviews and focus group discussions. The data were collected using purposive sampling where the respondents were divided into three groups namely women borrowers, non-borrowers and dropouts. The data were thematically analysed, and the findings reveal that the women understood the meaning and importance of empowerment. Microfinance has had an impact on the lives of the women where there was an increase in their monthly income and a change in their livelihood. Most of the women agreed with the advantage of savings as it provides them with the ability to have their own purchasing power. However, there are a number of respondents who thought that opening a savings account as a prerequisite for accessing microcredit and high loan interest rates make it difficult for them to obtain credit. The findings also reveal that even though there was an effort to provide training by the banks, this was not done in-line with the level of education of the women involved. In addition, existing women’s associations are often misused as part of the political agenda. In conclusion, this study suggests that the government provides more women empowerment programmes and ensures the continuity of the programmes so that women are more independent and ultimately become empowered.
format Thesis
qualification_name Ph.D.
qualification_level Doctorate
author Daniyan-Bagudu, Hauwa
author_facet Daniyan-Bagudu, Hauwa
author_sort Daniyan-Bagudu, Hauwa
title The impact of microfinance on women’s empowerment in Niger State, Nigeria
title_short The impact of microfinance on women’s empowerment in Niger State, Nigeria
title_full The impact of microfinance on women’s empowerment in Niger State, Nigeria
title_fullStr The impact of microfinance on women’s empowerment in Niger State, Nigeria
title_full_unstemmed The impact of microfinance on women’s empowerment in Niger State, Nigeria
title_sort impact of microfinance on women’s empowerment in niger state, nigeria
granting_institution Universiti Utara Malaysia
granting_department Othman Yeop Abdullah Graduate School of Business
publishDate 2018
url https://etd.uum.edu.my/7786/1/s95838_01.pdf
https://etd.uum.edu.my/7786/2/s95838_02.pdf
_version_ 1747828265330933760
spelling my-uum-etd.77862021-08-09T06:34:40Z The impact of microfinance on women’s empowerment in Niger State, Nigeria 2018 Daniyan-Bagudu, Hauwa Mohd Khan, Shazida Jan Abdul Hakim, Roslan Othman Yeop Abdullah Graduate School of Business Othman Yeop Abdullah Graduate School of Business HG Finance There have been contentious debates among academics associated with issues of microfinance and women’s empowerment. For a developing country like Nigeria, the issue of microfinance has significance in providing solutions to poverty alleviation and women’s empowerment. This thesis investigates the impact of microfinance on women’s empowerment with a focus on Niger state, Nigeria. This study uses qualitative study method by making a list of customers registered with Edumuna Microfinance Bank (EMFB) as respondents. The data were collected using in-depth interviews and focus group discussions. The data were collected using purposive sampling where the respondents were divided into three groups namely women borrowers, non-borrowers and dropouts. The data were thematically analysed, and the findings reveal that the women understood the meaning and importance of empowerment. Microfinance has had an impact on the lives of the women where there was an increase in their monthly income and a change in their livelihood. Most of the women agreed with the advantage of savings as it provides them with the ability to have their own purchasing power. However, there are a number of respondents who thought that opening a savings account as a prerequisite for accessing microcredit and high loan interest rates make it difficult for them to obtain credit. The findings also reveal that even though there was an effort to provide training by the banks, this was not done in-line with the level of education of the women involved. In addition, existing women’s associations are often misused as part of the political agenda. In conclusion, this study suggests that the government provides more women empowerment programmes and ensures the continuity of the programmes so that women are more independent and ultimately become empowered. 2018 Thesis https://etd.uum.edu.my/7786/ https://etd.uum.edu.my/7786/1/s95838_01.pdf text eng public https://etd.uum.edu.my/7786/2/s95838_02.pdf text eng public https://sierra.uum.edu.my/record=b1698862~S1 Ph.D. doctoral Universiti Utara Malaysia Abbott, L., & Grady, C. (2011). A systematic review of the empirical literature evaluating IRBs: What we know and what we still need to learn. Journal of Empirical Research on Human Research Ethics, 6, 3-19. Abdullah, S. H., Osman, M. H., & Rahim, M. S. H. (2009). The key concept of academic technology entrepreneurship in the current practice. 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