Relevant bibliographies by topics / Microfinance banks (MFBs) / Journal articles
To see the other types of publications on this topic, follow the link: Microfinance banks (MFBs).

Journal articles on the topic 'Microfinance banks (MFBs)'

Author: Grafiati
Published: 5 June 2025
Last updated: 1 August 2025

Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles

Select a source type:

Consult the top 50 journal articles for your research on the topic 'Microfinance banks (MFBs).'

Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.

You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.

Browse journal articles on a wide variety of disciplines and organise your bibliography correctly.

1

Afolabi, Adeoye Amuda. "Microfinance bank and entrepreneurship development in an emerging market." Risk Governance and Control: Financial Markets and Institutions 6, no. 4 (2016): 56–65. http://dx.doi.org/10.22495/rcgv6i4art8.

Full text
Abstract:
We determine how Microfinance Banks (MFBs) impacts on entrepreneurship development in Nigeria. Data were collected through structured interview from entrepreneurs, Microfinance Bank managers and Regulators. The finding revealed that non-financial services of Microfinance Banks contribute to the survival of entrepreneurs and there is indication that Microfinance Banks enhance the productivity of entrepreneurship. This finding supports the evidence from the Central Bank of Nigeria (CBN) that there is an increase in total assets, Investment and Deposit Liabilities of MFBs in recent times. Beside
APA, Harvard, Vancouver, ISO, and other styles
2

Ademola, Abimbola Oluwaseyi. "WHAT FACTORS DRIVE THE MICROFINANCE BANKS’ PROFITABILITY IN NIGERIA?" MARCH 39, no. 01 (2023): 31–46. http://dx.doi.org/10.51380/gujr-39-01-04.

Full text
Abstract:
Banks’ profitability is vital component of economic growth, its significance extends from’ sustainability of banks to macroeconomic stabilization. Thus, this study assessed the effect of banks’ specific factors and macroeconomic variables on the profitability of microfinance banks (MFBs) in Nigeria from 2012-2021. The purposive sampling technique was employed to select 15 licensed MFBs from the South West region of Nigeria. This study employed return on assets (ROA) as an indicator of profitability. Secondary data was elicited from annual published reports of the selected MFBs. Descriptive, re
APA, Harvard, Vancouver, ISO, and other styles
3

Taj, Fozia. "Role of Managerial Competencies and Risk-Taking Behavior in Financial Service Outreach of Microfinance Banks in Pakistan." IBT Journal of Business Studies 15, no. 2 (2019): 25–42. http://dx.doi.org/10.46745/ilma.jbs.2019.15.03.03.

Full text
Abstract:
This study aims to investigate the relationship between the managerial risk-taking, managerial competencies and financial service outreach of microfinance banks in Pakistan. Primary data was collected from 36 branches of microfinance banks (MFBs) in nine cities. The unit of investigation is the branch manager and senior credit officer of each MFB branch. Descriptive statistics, correlation and regression, are used for data analysis. This study found a positive relationship between financial service outreach of MFBs and managerial competencies; financial service outreach also has a positive rel
APA, Harvard, Vancouver, ISO, and other styles
4

Onyele, Kingsley Onyekachi, and Charity Onyekachi-Onyele. "The Effect of Microfinance Banks on Poverty Reduction in Nigeria." Management Dynamics in the Knowledge Economy 8, no. 3 (2020): 257–75. http://dx.doi.org/10.2478/mdke-2020-0017.

Full text
Abstract:
Abstract The nexus between microfinance banking and poverty reduction is well documented in banking and finance literature. As a poverty reduction strategy, the microfinance initiative is expected to create room for financial accessibility to the economically active poor people. Consequently, this study estimated the effect of microfinance banks’ (MFBs) on poverty reduction in Nigeria from 1992 to 2018 using the Autoregressive Distributed Lag (ARDL) approach to regression analysis. With a VAR lag order selection of two, the ARDL bounds test revealed that the poverty rate and MFBs activities we
APA, Harvard, Vancouver, ISO, and other styles
5

Nwandu, P. I. "COMPARATIVE ANALYSIS OF AGRIBUSINESS FINANCING BY MICROFINANCE BANKS AND MICROFINANCE INSTITUTIONS IN RURAL AREA OF DELTA STATE, NIGERIA." Journal of Agripreneurship and Sustainable Development 4, no. 2 (2021): 44–51. http://dx.doi.org/10.59331/jasd.v4i2.207.

Full text
Abstract:
The study compared Microfinance banks and Microfinance institutions in financing agribusiness enterprises in rural areas of Delta State, Nigeria. Multi-stage random techniques was used to select 150 agribusiness enterprise respondents used for the study. Five (5) Microfinance banks (MFBs) and 15 Microfinance institutions (MFIs) operating in the study area were used for the study. Primary data was collected with the use of structured questionnaire and analyzed with descriptive statistics. Findings revealed that MFBs and MFIs undertook group lending; although MFBs were also engaged in individual
APA, Harvard, Vancouver, ISO, and other styles
6

Iftikhar Kiani, Osama, Muhammad Awais, Waqas Ahmed, Imran Bashir Dar, and Muhammad Shafiq. "The role and analysis of Microfinance Banks in Pakistan." Foundation University Journal of Business & Economics 5, no. 1 (2020): 34–62. http://dx.doi.org/10.33897/fujbe.v5i1.145.

Full text
Abstract:
The previous decades are marked with the observable and documented economically developmental role of Microfinance banks (MFBs) in country, which is developing and transitional economy, yet no exhaustive research on the role and analysis of MFBs has been done to map its issues & challenges in terms of local fit and in a global setting. The researchers have addressed this empirical-cum-academic call to pave the way for further convergence-oriented research to deeply learn about the contemporary areas untapped. This study aims at presenting the basic objectives, functions, scarcity mitigatio
APA, Harvard, Vancouver, ISO, and other styles
7

Olasupo, Musa A., Caroline A. Afolami, and Adebayo M. Shittu. "PERFORMANCE AND PRODUCTIVITY CHANGES OF MICROFINANCE BANKS IN SOUTH-WEST, NIGERIA." International Journal for Innovation Education and Research 2, no. 1 (2014): 43–51. http://dx.doi.org/10.31686/ijier.vol2.iss1.136.

Full text
Abstract:
The Nigerian Microfinance sub-sector is yet to attain the desired level of global best practice. This paper thus investigates the performance and productivity changes of MFBs in South-West Nigeria, from 2006 to 2010, having had the Microfinance Policy launched in 2005. The study revealed that only 16.28% of the sampled MFBs met the recommended maximum PAR value of 5% in 2006 and that was the highest throughout the sample period. It was also revealed that 31.14% of the sampled MFBs reported a debt/equity ratio of above the recommended value of 2 in 2006, while 32.56% had gearing of over 2 in 20
APA, Harvard, Vancouver, ISO, and other styles
8

AzeezTunbosun, Lawal,, and Adebayo Shola Kabir. "Microfinance and SME Growth in Nigeria: An Evaluation of the Impact of Microfinance Banks on Entrepreneurial Outcomes in Ilorin West Local Government, Kwara State." Namibia Journal of Managerial Sciences 6, no. 1 (2025): 127–36. https://doi.org/10.64375/ka7zv362.

Full text
Abstract:
Microfinance Banks (MFBs) were purposefully created in Nigeria to render financial assistance to small and medium scale enterprises (SMEs) in the country, even the lack of continuity of many small and medium scale enterprises in Nigeria can be attributed to the shortage of finances. Therefore, this study investigated the impact of Microfinance Banks financing on Small and Medium Scale enterprises (SMEs) in Ilorin West Local Government Area of Kwara State. The population of the study included the thirty-one (31) Microfinance banks in Ilorin West Local Government and their SME customers, while o
APA, Harvard, Vancouver, ISO, and other styles
9

Ademola, Abimbola O. "Loan Quality Metrics and the Performance of Microfinance Banks in Nigeria." AKSU Journal of Management Sciences 9, no. 2 (2024): 133–46. https://doi.org/10.61090/aksujomas.9210.

Full text
Abstract:
This research explores the effect of loan quality measures on the performance of microfinance banks (MFBs) in Nigeria, with Return on Assets (ROA) as one of the main performance indicators. Twenty MFBs were purposively selected with data spanning from 2019 to 2023, specifically the study focused on how Loan-to-Deposit Ratio (LDR), Default Rate (DR), and Credit Risk Ratio (CRR) affect MFBs performance. The findings suggest that a higher LDR positively contributes to an improvement in ROA, indicating that properly managed lending tend to enhance profitability through greater interest income. On
APA, Harvard, Vancouver, ISO, and other styles
10

Afolabi, Taofeek. "Minimum capital threshold and credit management strategies amongst microfinance banks in Nigeria." Global Journal of Business, Economics and Management: Current Issues 14, no. 2 (2024): 119–28. http://dx.doi.org/10.18844/gjbem.v14i2.9263.

Full text
Abstract:
This study investigated the distribution of credit management strategies across the categories of MFBs in Nigeria. To achieve this objective, a survey was conducted on 115 credit managers randomly selected across the four categories of MFBs. Responses obtained were analyzed using statistical tools such as the bar chart and Kruskal Wallis rank test. The results showed that the distribution of loan collection policy is significant across the categories of MFBs. The post-hoc test further revealed that this credit strategy varies significantly between MFBs in the tier-1/tier-2 and state/national c
APA, Harvard, Vancouver, ISO, and other styles
11

Anaege, Arinze E., Onyinye M. Eneh, Onyekachi A. Inweregbu, and Sopuruchukwu P. Okwuego. "Cybersecurity Threats in Cloud Accounting: A Case Study of Microfinance Banks in Anambra State Using NAMBUIT Banking Software." International Journal of Research and Innovation in Applied Science X, no. III (2025): 290–300. https://doi.org/10.51584/ijrias.2025.10030021.

Full text
Abstract:
This study investigates the effect of cybersecurity threats on the operational efficiency and regulatory compliance of microfinance banks (MFBs) in Anambra State, Nigeria, with a particular focus on MFBs that use the National Association of Microfinance Banks Unified Information Technology (NAMBUIT) cloud accounting platform. As cloud accounting becomes increasingly vital for MFBs due to its benefits, such as real-time data access and reduced IT costs, it also brings heightened cybersecurity risks that can disrupt daily operations and erode customer trust. Through a combination of quantitative
APA, Harvard, Vancouver, ISO, and other styles
12

Ndirangu, Eunice Wangari, David Kiragu, Antony Ngunyi, and Mohamed Shano. "EFFECT OF AGENCY BANKING ON PERFORMANCE OF MICROFINANCE BANKS IN KENYA." International Journal of Finance and Accounting 5, no. 2 (2020): 50. http://dx.doi.org/10.47604/ijfa.1167.

Full text
Abstract:
Purpose: The purpose of this study was to establish the effect of agency banking on performance of microfinance banks in Kenya
 Materials and Methods: The study adopted positivism philosophy approach and descriptive research design was used. The study also used census survey. The target population was the thirteen Microfinance Banks regulated by the Central Bank of Kenya. The questionnaires were self-administered and primary data was collected from the thirteen regulated microfinance banks. The data was analyzed using the Statistical Package for Social Science. Descriptive and inferential
APA, Harvard, Vancouver, ISO, and other styles
13

Ndirangu, Eunice, and John Kimani. "Effect of Agency Banking on Performance of Microfinance Banks in Kenya." International Journal of Finance and Accounting 7, no. 5 (2022): 1–16. http://dx.doi.org/10.47604/ijfa.1720.

Full text
Abstract:
Purpose: The purpose of this study was to establish the effect of agency banking on performance of microfinance banks in Kenya
 Methodology: The study adopted positivism philosophy approach and descriptive research design was used. The study also used census survey. The target population was the thirteen Microfinance Banks regulated by the Central Bank of Kenya. The questionnaires were self-administered and primary data was collected from the thirteen regulated microfinance banks. The data was analyzed using the Statistical Package for Social Science. Descriptive and inferential statistic
APA, Harvard, Vancouver, ISO, and other styles
14

Ayeni, Yetunde Tonia, and Oludayo Elijah Adekunle. "COVID-19 and Microfinance Banks in Nigeria." Economic Insights – Trends and Challenges 2021, no. 4 (2021): 39–46. http://dx.doi.org/10.51865/eitc.2021.04.04.

Full text
Abstract:
This study investigated the effects of COVID-19 pandemic on the activities and performance of microfinance banks with special focus on South West Region of Nigeria. Data were collected from 100 heads of department selected from 20 randomly picked microfinance banks. Data were analyzed with simple percentage and regression technique. It was discovered that, COVID-19 impedes the activities of microfinance banks through loans repayment, deposit mobilization, customers, patronage, operational efficiency, and nonperforming loans. The study concluded that, COVID-19 imposed constraints on the activit
APA, Harvard, Vancouver, ISO, and other styles
15

Osim Etim, ETIM, AKPORIEN Olum Fidelis, and ARCHIBONG Etim Archibong. "Spiritual Accounting and Corporate Financial Reporting: A Study of Micro Finance Banks in Delta State, Nigeria." JOURNAL OF ACCOUNTING AND FINANCIAL MANAGEMENT 8, no. 4 (2022): 173–79. http://dx.doi.org/10.56201/jafm.v8.no4.2022.pg173.179.

Full text
Abstract:
This study was carried out to investigate spiritual accounting and how it has affected corporate financial reporting in Microfinance banks in Delta State, Nigeria. The population of the study consists of accounting staff of 25 Microfinance Banks in Delta State. The study adopted a survey research design hence data were collected by means of a self-designed questionnaire. Data collected were analyzed to bring out the descriptive statistics while the hypotheses formulated were tested using analysis of variance (ANOVA). Findings of the study indicated that the awareness of Spiritual Accounting ha
APA, Harvard, Vancouver, ISO, and other styles
16

Olumoh, Yusuf Alabi. "Accounting Controls and Quality of Financial Reporting." Copernican Journal of Finance & Accounting 13, no. 3 (2025): 47–65. https://doi.org/10.12775/cjfa.2024.013.

Full text
Abstract:
This research objective of the study is to examine the impacts of accounting controls on the quality of financial reporting within microfinance banks (MFBs) located in Kwara State, Nigeria. A cross-sectional survey methodology was utilized in this research, involving a total of 216 stakeholders from all 27 licensed MFBs. The study drew upon primary data obtained from a selected group of 140 stakeholders within the MFB industry in Kwara State, Nigeria, utilizing random and stratified sampling methods. The data analysis was conducted using descriptive and inferential statistics employing the Par
APA, Harvard, Vancouver, ISO, and other styles
17

Ayantoso, Adesokan Joseph. "Management Information System Adoption in Microfinance Banks’ in Oyo State, Nigeria." Cross Current International Journal of Economics, Management and Media Studies 1, no. 1 (2019): 1–5. http://dx.doi.org/10.36344/ccijemms.2019.v01i01.001.

Full text
Abstract:
This study focuses on Management Information System (MIS) Adoption in Microfinance Banks (MFBs) in Oyo State, Nigeria. Specifically, the study analyzed factors influencing the adoption of MIS in microfinance banks. Primary data was collected with the aid of administered questionnaire on some selected microfinance banks staff. Data collected were analysed using descriptive statistical tools to determine factors influencing adoption of MIS in Microfinance banks’ in Oyo State, Nigeria. While inferential statistical tools of Multiple Regression and ANOVA were used to determine factors with signifi
APA, Harvard, Vancouver, ISO, and other styles
18

Ayantoso, Adesokan Joseph. "Management Information System Adoption in Microfinance Banks’ in Oyo State, Nigeria." Cross Current International Journal of Economics, Management and Media Studies 1, no. 1 (2019): 1–5. http://dx.doi.org/10.36344/ccijemms.2019.v01i01.001.

Full text
Abstract:
This study focuses on Management Information System (MIS) Adoption in Microfinance Banks (MFBs) in Oyo State, Nigeria. Specifically, the study analyzed factors influencing the adoption of MIS in microfinance banks. Primary data was collected with the aid of administered questionnaire on some selected microfinance banks staff. Data collected were analysed using descriptive statistical tools to determine factors influencing adoption of MIS in Microfinance banks’ in Oyo State, Nigeria. While inferential statistical tools of Multiple Regression and ANOVA were used to determine factors with signifi
APA, Harvard, Vancouver, ISO, and other styles
19

Ogechukwu Obokoh, Lawrence, James Unam Monday, and Udechukwu Ojiako. "Microfinance banks and small and medium sized enterprises access to finance: the Nigerian experience." Banks and Bank Systems 11, no. 4 (2016): 111–21. http://dx.doi.org/10.21511/bbs.11(4-1).2016.01.

Full text
Abstract:
The paper explored the extent to which current microfinance lending impacts on indigenous SME access to finance and how the intermediation services of the microfinance banks (MFBs) contributed to or otherwise to the development of SMEs. A total of 800 such indigenous SMEs were identified, however, data were obtained from 300 of the identified indigenous SMEs from a questionnaire survey in four states (provinces) within the country that make up the Niger Delta region. The result shows positive contribution of microfinance lending to the development of such enterprises. However, it appears that
APA, Harvard, Vancouver, ISO, and other styles
20

Onuka, Ifeanyi Onwuka, and Ozegbe Roseline Oroboghae. "The Impact of the COVID-19 Pandemic on Microfinance Banks Customers in Nigeria." Journal of Asian Business Strategy 12, no. 1 (2022): 35–48. http://dx.doi.org/10.55493/5006.v12i1.4598.

Full text
Abstract:
This study investigated the impact of the Covid-19 pandemic on small businesses, poor individuals and vulnerable households who constitute the majority of customers of microfinance banks (MFBs) in Nigeria. A client survey was conducted by telephone and face to face with a representative sample of clients of MFBs in South West Nigeria for the period from 2019 to 2021. A structured questionnaire, interviews, focus group discussions and participant observation were used to generate the data, while the descriptive statistical analytical method was used to analyze and present the findings. The stud
APA, Harvard, Vancouver, ISO, and other styles
21

Ndirangu, Eunice Wangari, David Kiragu, and Antony Ngunyi. "EFFECT OF MOBILE BANKING ON PERFORMANCE OF MICROFINANCE BANKS IN KENYA." European Journal of Business and Strategic Management 5, no. 2 (2020): 64. http://dx.doi.org/10.47604/ejbsm.1171.

Full text
Abstract:
Purpose: The purpose of this study was to establish the effect of mobile banking on performance of microfinance banks in Kenya
 Methodology: The study adopted positivism philosophy approach and descriptive research design was used. The study also used census survey. The target population was the thirteen Microfinance Banks regulated by the Central Bank of Kenya. The questionnaires were self-administered and primary data was collected from the thirteen regulated microfinance banks. The data was analyzed using the Statistical Package for Social Science. Descriptive and inferential statistic
APA, Harvard, Vancouver, ISO, and other styles
22

Ndirangu, Eunice, and John Kimani. "Effect of Mobile Banking on Performance of Microfinance Banks in Kenya." European Journal of Business and Strategic Management 7, no. 3 (2022): 24–38. http://dx.doi.org/10.47604/ejbsm.1718.

Full text
Abstract:
Purpose: The purpose of this study was to establish the effect of mobile banking on performance of microfinance banks in Kenya
 Methodology: The study adopted positivism philosophy approach and descriptive research design was used. The study also used census survey. The target population was the thirteen Microfinance Banks regulated by the Central Bank of Kenya. The questionnaires were self-administered and primary data was collected from the thirteen regulated microfinance banks. The data was analyzed using the Statistical Package for Social Science. Descriptive and inferential statistic
APA, Harvard, Vancouver, ISO, and other styles
23

Nwankwo, Cosmas Anayochukwu, and Macdonald Isaac Kanyangale. "Effect of Cyber Security on Business Sustainability of Listed Microfinance Banks in Nigeria." IJEBD (International Journal of Entrepreneurship and Business Development) 6, no. 5 (2023): 812–25. http://dx.doi.org/10.29138/ijebd.v6i5.2279.

Full text
Abstract:
Purpose: In Nigeria, microfinance banks (MFB) face the burden of investing in cyber security to protect their databases, prevent monetary losses, maintain customer trust, and remain afloat in a competitive business environment. However, there are incessant cyber risks and attacks by criminals who gain undue access to the cyber-space of MFB and cause financial and non-financial loss.
 Design/methodology/approach: The objective of this quantitative study was to examine the effect of cyber security on the business sustainability of three listed, and most valued MFBs in Nigeria. The populatio
APA, Harvard, Vancouver, ISO, and other styles
24

Riaz, Madiha. "In competency Aspects of Microfinance Industry: Via SFA approach." Journal of Economics and Behavioral Studies 7, no. 1(J) (2015): 1–12. http://dx.doi.org/10.22610/jebs.v7i1(j).558.

Full text
Abstract:
Microfinance is a well known terminology used for microcredit and financial services for financially deprived community. Through informal, semi-formal and formal ways different institutions has been providing these services. Expenditure of the industry is considered to be high because of its inherent structure, dealing with small loans and having high risk of recovery. Therefore, expected inefficiency is greater than its profit. There are several factors and reason. Through this study, we analyzed few factors which have a positive or negative relation with the inefficiency of Microfinance in P
APA, Harvard, Vancouver, ISO, and other styles
25

Mujtaba Abubakar, Dr Muhammad. "Deployment of Relational Constructs to Enhance the Performance of Nigeria Micro-Finance Banks (MFBs)." International Journal of Research and Innovation in Social Science IX, no. XIV (2025): 980–90. https://doi.org/10.47772/ijriss.2025.914mg0075.

Full text
Abstract:
Despite ample empirical studies that focus on Micro-finance Banks (MFBs) and their deployment of such tactics as service quality, advertisements, corporate social responsibility (CSR), public relations and host of other strategies, the microfinance sub-sector is far from actualizing its mandate, hence the need to search for additional marketing constructs that may be deployed to help mitigate the challenges facing MFBs and provide solution to their financial performance crisis. Broadly, the research objectives seek to examine the impact of three relational constructs, namely trust, communicati
APA, Harvard, Vancouver, ISO, and other styles
26

Yunus Adeigbe, Kayode, Joseph Adegboye Dada, Samuel Olarewaju Adelowo, and Felix Akinlade Babatola. "MICROFINANCE BANK SERVICES AND SURVIVAL INSTINCT OF MICRO, SMALL AND MEDIUM ENTERPRISES (MSMES) IN SOUTH-WEST, NIGERIA." GOMBE JOURNAL OF ADMINISTRATION AND MANAGEMENT (GJAM) 6, no. 2 (2024): 185–95. https://doi.org/10.64290/gjam.v6i2.1182.

Full text
Abstract:
This study investigated the effect of microfinance bank services (MFBs) on survival instinct of Micro, Small and Medium Enterprises (MSMEs) in South–West, Nigeria. The objective of the study is to examine the effect of dimensions of microfinance banks services on survival instincts of MSMEs in South-West, Nigeria. Descriptive research design was used through proportional stratified sampling technique in this study. Taro Yamane formula was used to arrive at 400 which formed the sample size determination of the study. Both descriptive and inferential statistics were employed for the test of the
APA, Harvard, Vancouver, ISO, and other styles
27

Ndirangu, Eunice, David Kiragu, Antony Ngunyi, Mohamed Shano, and John Kimani. "Effect of Online Banking on Performance of Microfinance Banking in Kenya." International Journal of Finance 7, no. 6 (2022): 59–71. http://dx.doi.org/10.47941/ijf.1152.

Full text
Abstract:
Purpose: The purpose of this study was to establish the effect of online banking on performance of microfinance banks in Kenya.
 Methodology: The study adopted positivism philosophy approach and descriptive research design was used. The study used census survey and the target population was the thirteen Microfinance Banks regulated by the Central Bank of Kenya. Primary data was collected using self-administered questionnaires. Data was analysed using the Statistical Package for Social Science. Descriptive and inferential statistics were used for preliminary analysis. Factor analysis was c
APA, Harvard, Vancouver, ISO, and other styles
28

Aladejebi, Olufemi. "The Impact of Microfinance Banks on the Growth of Small and Medium Enterprises in Lagos Metropolis." European Journal of Sustainable Development 8, no. 3 (2019): 261. http://dx.doi.org/10.14207/ejsd.2019.v8n3p261.

Full text
Abstract:
Small and Medium Enterprises (SMEs) play a major role in the Nigerian economy, especially in terms of Employment, growth, productivity, and poverty alleviation. The purpose of this study was to examine the impact of Microfinance Banks (MFB) on the growth of SMEs in Lagos metropolis The data for this study was collected via questionnaires given to the owners of SMEs that had accounts with microfinance banks in Lagos metropolis. Out of 209 questionnaires distributed, 205 were viable and analyzed using the SPSS package. The questionnaire contained 2 sections. Section 1 for general information whi
APA, Harvard, Vancouver, ISO, and other styles
29

Philbert Caleb, Nadebu, Mule Robert Kisavi, and Nyongesa Destaings Nyenyi. "NEXUS BETWEEN LIQUIDITY MANAGEMENT AND LOAN REPAYMENT AMONG MICROFINANCE BANKS IN EMERGING MARKETS: A PANEL ANALYSIS." International Journal of Advanced Research 11, no. 08 (2023): 192–204. http://dx.doi.org/10.21474/ijar01/17379.

Full text
Abstract:
Loan repayment remains the chief source of internally-generated liquidity reserves in the microfinance banks operating in the emerging markets in developing countries. Globally, reports indicate that of the loans disbursed in the United States of America, 45% of borrowers default on repayment, 60% of whom eventually end up as non-performing. A similar trend is reported in Nigeria with statistics indicating growth in overall default rate from USD1.612B in 2017 to USD 2.694B in 2021. Uganda recorded about USD.1.215B worth of non-performing loans in its MFI sector in 2018, from USD 324M in 2017.
APA, Harvard, Vancouver, ISO, and other styles
30

Akinadewo, Israel S., Ebenezer Y. Akinkoye, and O. O. Olasanmi. "Appraisal of the problems affecting microfinance banks in emerging economies and the mitigating factors: Nigeria’s experience." Business and Management Review 11, no. 02 (2020): 89–96. http://dx.doi.org/10.24052/bmr/v11nu02/art-11.

Full text
Abstract:
This study appraised the problems of microfinance banks in Nigeria and evaluated the mitigating factors. Survey research design through the administration of structured questionnaire was adopted for data collection. The targeted population was 250 microfinance banks operators and micro, small and medium entrepreneurs. The respondents validly returned 223 copies of the questionnaire. Descriptive statistics like table, mean, standard deviation and percentages were used for data analyses. The findings revealed that high operating and financial expenses (99.6%); low revenue base (99.6%); lack of e
APA, Harvard, Vancouver, ISO, and other styles
31

Adebisi, Adesola, Wasiu, Ewa, Uket Eko, and Arikpo, Oka Felix. "Microfinance Banks Dynamics Effect on Small-Scale Enterprise Development in Nigeria." International Journal of Applied Economics, Finance and Accounting 6, no. 2 (2020): 64. http://dx.doi.org/10.33094/8.2017.2020.62.64.75.

Full text
Abstract:
This study examined the effect of Microfinance Banks on the development of Small and Medium Scale Enterprises in Nigeria. This study was specifically meant to assess the extent to which microfinance banks loans and advances, investments and deposit mobilization affect the productivity of SMEs in Nigeria. The study employed the ex-pose facto research design. Time series data were collected from the CBN statistical Bulletin and SMEDAN annual publications using the desk survey method. The data were analysed using the Vector Error Correction Mechanism. Result from the analyses revealed that Microf
APA, Harvard, Vancouver, ISO, and other styles
32

Ndirangu, Eunice, David Kiragu, Antony Ngunyi, Mohamed Shano, and John Kimani. "Effect ATM Banking on Performance of Microfinance Banking in Kenya." American Journal of Finance 7, no. 4 (2022): 1–10. http://dx.doi.org/10.47672/ajf.1305.

Full text
Abstract:
Purpose: Microfinance banks are investing in ATM banking to satisfy the requirements of the households of accessing financial services and to achieve inclusive economic growth. The study sought to evaluate the effect of ATM banking on performance of the microfinance banks in Kenya. The study was postulated by technology acceptance model.
 Methodology: The study adopted positivism philosophy, descriptive research design and census survey. The target population was the thirteen Microfinance Banks regulated by the Central Bank of Kenya. Primary data was collected using questionnaires which w
APA, Harvard, Vancouver, ISO, and other styles
33

Ihugba, Okezie A., Bankoli Bankong, and N. C. Ebomuche. "The Impact of Nigeria Microfinance Banks on Poverty Reduction: Imo State Experience." International Letters of Social and Humanistic Sciences 16 (November 2013): 92–113. http://dx.doi.org/10.18052/www.scipress.com/ilshs.16.92.

Full text
Abstract:
This paper attempts to provide a critical appraisal of the debate on the effectiveness of microfinance as an effective tool for eradicating poverty and also the history of microfinance banks in Nigeria. It argues that while microfinance has developed some innovative management and business strategies, its impact on poverty reduction remains in doubt. Micro finance impact on poverty reduction in Imo state was studied by a stratified sampling method in the selection of the customers. The study area was divided into 16 sample units based on the various local government areas in Imo state. Four (4
APA, Harvard, Vancouver, ISO, and other styles
34

OLADEJO, Olusola James, and Gbenga Isaac OLORUNSOLA. "Credit Risk Management and Loan Performance of Microfinance Banks in Nigeria." Journal of Forensic Accounting & Fraud Investigation (JFAFI) Volume 7, Issue 2, July - December 2022 (2023): 108–19. https://doi.org/10.5281/zenodo.8227121.

Full text
Abstract:
The concept of micro-finance in Nigeria has evolved over the years following other welldeveloped like Kenya in the sub-Saharan Africa. Given the importance of credit risk inmicrofinance operations, it is expected that the effectiveness of microfinance riskmanagement systems, processes, procedures, activities, methods, and incentives wouldhave a significant influence on loan performance. As a result, the purpose of this researchwas to examine the link between credit risk management and loan performance inNigerian microfinance banks (MFBs), using Lagos and Ogun State as case studies. Adescriptiv
APA, Harvard, Vancouver, ISO, and other styles
35

JOSHUA NGILA ZAKAYO, JOSHUA NGILA ZAKAYO, Dr Faraji Yatundu Dr.Faraji Yatundu, and Dr Daniel Ndungu Dr.Daniel Ndungu. "Capital Adequacy, Bank Size and Liquidity Risk of Deposit Taking Microfinance Banks in Kenya." Journal of Research in Business and Management 13, no. 6 (2025): 133–48. https://doi.org/10.35629/3002-1306133148.

Full text
Abstract:
Microfinance banks liquidity has been sustained by massive slowdowns in lending that accompanied moratoria on repayments, but should this be extended beyond the initial months, it would effectively push the liquidity crunch onto the low-income communities they are supposed to serve and put the sustainability of the MFBs themselves into question by exposing them to liquidity risks. This study aimed to establish capital adequacy,bank size and the liquidity risk of deposit taking microfinance banks in Kenya. Specifically, the study sought to assess whether capital adequacy influenced the liquidit
APA, Harvard, Vancouver, ISO, and other styles
36

Odetayo, T. A., and A. R. Onaolapo. "Influence of Microfinance Bank Products Accessibility on Small Scale Enterprises Performance." American Journal of Business and Management 5, no. 1 (2016): 41. http://dx.doi.org/10.11634/216796061706771.

Full text
Abstract:
This study examined the influence of the Microfinance bank products accessibility on Small scale enterprises (SSEs) in Osun State, Nigeria. Descriptive survey research design was adopted for this study. The population for the study comprised all microfinance banks and small scale enterprises in Osun State. Thirty (30) MFBs were purposively sampled and For Hundred and Fifty (450) SSEs were randomly sampled. Two sets of questionnaires designed to collect data were tested for reliability using Cronbach’s alpha: QMFB (r = 0.89) and QSSEs(r = 0.70). Data were analysed using tables, frequencies as w
APA, Harvard, Vancouver, ISO, and other styles
37

Morah, Ejindu Iwelu MacDonald, and Chiamaka Kindness Enweremibe. "Impact of Risk Assessment and Monitoring on the Operational Efficiency of Microfinance Banks." European Conference on Research Methodology for Business and Management Studies 24, no. 1 (2025): 69–81. https://doi.org/10.34190/ecrm.24.1.3683.

Full text
Abstract:
This study investigates the effect of risk assessment and monitoring systems on the operational efficiency of microfinance banks (MFBs) in Nigeria. It addressed some of the key challenges, including inefficiencies, non-performing loans, and fraud that hamper corporate sustainability and growth. A sample of ninety-nine (99) microfinance managers across diverse departments, including risk management, operations, and audit, were surveyed. Data were collected using structured questionnaire and data analysis was informed by the Committee of Sponsoring Organizations of the Treadway Commission Framew
APA, Harvard, Vancouver, ISO, and other styles
38

Et al., Shoukat Ali Mahar. "Leadership Behavior and Employees Job Satisfaction: Working for Organizational Success." Psychology and Education Journal 58, no. 2 (2021): 1092–103. http://dx.doi.org/10.17762/pae.v58i2.2192.

Full text
Abstract:
Purpose: This study was designed to understand the relationship between leadership behaviors and employees job satisfaction at microfinance banks. It also shows how and to what extent these leadership styles affect job satisfaction.
 Design: The questionnaire was used to collect data from 290 employees of the Microfinance Bank. The convenient sampling was used to gather data. The literature indicates that there is a correlation among all proposed variables. Researcher applied regression and Pearson correlation to get the results.
 Findings: The results show that participative behavio
APA, Harvard, Vancouver, ISO, and other styles
39

Ozoji, Amara Priscilia, and Ezechukwu Beatrice O. "Microcredit as a Strategy for Nigeria’s Economic Recovery in Post Covid-19 Pandemic Era." Asian Journal of Economics, Business and Accounting 24, no. 7 (2024): 147–58. http://dx.doi.org/10.9734/ajeba/2024/v24i71399.

Full text
Abstract:
The economic growth recovery in Nigeria’s post COVID-19 era should not only be the concern of government or top individuals in the society, but should also be the concern of individuals from below. The small producers could only be integrated into the key concerns of national economic recovery through microcredit. This study investigated the effect of microfinance bank’s loan (used as a proxy for microcredit) on Banks’ contributions to real GDP (used as a measure of economic growth) in Nigeria, with a focus on the quarterly aggregate data of all the MFBs operating in Nigeria as at 2011 to 2023
APA, Harvard, Vancouver, ISO, and other styles
40

TOKUNBO, AMELIA MELAYE, and MUSA SA'AD SALEH. "Influence of Microfinance Banks on Growth of Small And Medium Enterprises (SMES) in Kano State, Nigeria." International Journal of Innovative Science and Research Technology 7, no. 10 (2022): 1184–88. https://doi.org/10.5281/zenodo.7313831.

Full text
Abstract:
The importance of SMEs in terms of job creation and value addition has drawn the attention of scholars and policymakers, but their growth has been slow in Nigeria. Some empirical researches imply that a lack of funds may be one of the causes of these issues. Thus, the study examines the influence of Microfinance Banks on SME development (SMEs). We used descriptive statistics to evaluate the data and basic linear regression to test the hypothesis in SPSS. The study indicated that MFB loans help SMEs grow. A descriptive statistical investigation revealed that MFB interest rates, eligibility cond
APA, Harvard, Vancouver, ISO, and other styles
41

Babangida, Bashir Kurfi, and Barjoyai Bardai. "Determining Factors That Improve Youths’ Economic Empowerment in Katsina State, Nigeria." International Journal of Research and Innovation in Social Science 06, no. 06 (2022): 798–808. http://dx.doi.org/10.47772/ijriss.2022.6626.

Full text
Abstract:
Suffice it to say, that the government poverty alleviation and empowerment programmes are unsustainable, and formal financial institutions such as commercial banks are incapable of combating and reducing poverty, particularly among the Youths, as evidenced by the failure of several programmes and schemes to produce the expected results, despite government efforts to improve the standard of living of its citizens. Notwithstanding, Katsina state remains among the states with higher poverty rate, with the highest underemployment/unemployment rate. Which stemmed the incidences of violent crimes in
APA, Harvard, Vancouver, ISO, and other styles
42

Kalu Alexanda Ogbonna, Agodi Joy, Aniuga Chukwuma, and Bashir Ogungbangbe. "Fintech and business growth in the banking industry: An outlook from Opay microfinance bank Nigeria limited." Journal of Management and Science 14, no. 1 (2024): 87–91. http://dx.doi.org/10.26524/jms.14.11.

Full text
Abstract:
The study focused on Fintech and business development in Microfinance banks with special emphasis on Small and Medium Scale Enterprises (SMEs) that uses Moinepoint Microfinance bank innovative technology and services. FinTech is the term used to describe new financial services, products, and models that incorporate elements of emerging technology and have the potential to significantly influence established financial markets and services. There is paucity of empirical literature on Fintech as regards to Nigeria as similar studies have been done in most developed nations focusing on the banks r
APA, Harvard, Vancouver, ISO, and other styles
43

Conable, James E., and Sampson C. Onwuka. "Poverty Alleviation in Nigeria: A Decadal Examination of Political Economic Forces and Implications for Future Initiatives, Spotlighting Microfinance Banks." Journal of Public Administration and Governance 14, no. 1 (2024): 57. http://dx.doi.org/10.5296/jpag.v14i2.22180.

Full text
Abstract:
This research investigates the impact of political-economic dynamics on the effectiveness of Poverty Reduction Strategy Papers (PRSPs) in Nigeria from 2004 to 2014, with a specific emphasis on the role played by Microfinance Banks (MFBs). Employing a phenomenological approach within the social constructionist tradition, the study utilizes both individual and focus group interviews, complemented by the analysis of official documents from Nigerian Federal Ministries and the Central Bank. The case selection centers on microcredit, an important component of the IMF country report for the specified
APA, Harvard, Vancouver, ISO, and other styles
44

Oni, Kehinde, Mukaila Ayanda Aremu, and Taiwo Ogunniran. "Impact of Corporate Social Responsibility on Microfinance Banks’ Performance in Ogbomoso, Oyo State, Nigeria." Technium Social Sciences Journal 31 (May 9, 2022): 553–74. http://dx.doi.org/10.47577/tssj.v31i1.6380.

Full text
Abstract:
Over the years, few organisations are gradually coming to terms with the pertinence and essentiality of the strategic and pregnable tool of Corporate Social Responsibility (CSR) in the attainment of organisational goals. While some are facing various issues while adopting CSR practices, others are yet to know which CSR activities is best to adopt based on their physical needs. Therefore, this study empirically investigates the role of CSR in the attainment of organisational performance in Ogbomoso Microfinance Bank (MFB). Four research objectives on the relationship between CSR and key importa
APA, Harvard, Vancouver, ISO, and other styles
45

Anyanwu, Uchechi Ann, and Ojide Makuachukwu Gabriel. "Effect of Financial Inclusion on Economic Empowerment of Women in the Federal Capital Territory of Nigeria." GVU Journal of Management and Social Sciences 9, no. 1 (2024): 114–25. https://doi.org/10.5281/zenodo.13208036.

Full text
Abstract:
<em>The research investigates the influence of financial inclusion on the economic empowerment of women in the Federal Capital Territory (FCT) of Nigeria. Primary data obtained through structured questionnaire, formed the basis of the study. Three hundred and eighty-four (384) copies of questionnaire were generated and distributed among the participants, employing a Stratified sampling technique. The study utilized Ordinary Least Squares (OLS) as the analytical technique to assess the data, aligning with the specific objectives. The study's outcomes unveiled that key dimensions and proxies to
APA, Harvard, Vancouver, ISO, and other styles
46

Alfa, Henson, Mukhtar Shehu Aliyu, Ahmed Audu Maiyaki, and Talatu Muhammad Barwa. "Moderating effects of gender on financial literacy and loan repayment behaviour of Small and Medium Enterprises (SMEs) in Kano State, Nigeria." Journal of Global Economics and Business 4, no. 13 (2023): 37–60. http://dx.doi.org/10.58934/jgeb.v4i13.140.

Full text
Abstract:
The purpose of this research is to examine the moderating effect of financial literacy and loan repayment behavior of small and medium enterprises (SMEs) in Kano State Nigeria. Previous studies suggested that many SME owners lack the financial literacy skills needed to run their business effectively and make accurate financial decisions and yet financial literacy skills help individuals to navigate the financial world and make informed decisions about their money and minimized the chances of being misled on the matters. Borrowers and business characteristics were used as indicators of loan rep
APA, Harvard, Vancouver, ISO, and other styles
47

Pashkova, Nadya, Andres Trujillo-Barrera, George Apostolakis, Gert Van Dijk, Periklis D. Drakos, and George Baourakis. "Business Management Models of Microfinance Institutions (MFIs) in Africa." International Journal of Food and Beverage Manufacturing and Business Models 1, no. 2 (2016): 63–82. http://dx.doi.org/10.4018/ijfbmbm.2016070105.

Full text
Abstract:
In this study, the authors analyse the socioeconomic, political and geographic conditions that are conducive of cooperative microfinance initiatives in comparison with other organizational forms in Africa. They distinguish three types of institutions (MFIs) and business models: cooperatives/credit unions, non-profit or non-governmental (NGOs and commercial banks). To analyse the enabling environment for the three business models three types of factors are distinguished: macroeconomic policy, institutional, and geographical. Multinomial logistic regression is applied to investigate the impact o
APA, Harvard, Vancouver, ISO, and other styles
48

Pandey, Bhaskar. "Status of Microfinance in India: A Review of Growth and Current Perspective of SHG-Bank Linkage Program in India." Shodh Samarth- Research Journal of Commerce, Management & Economics 01, no. 01 (2024): 122–32. https://doi.org/10.5281/zenodo.11100710.

Full text
Abstract:
Over the past few years, there has been a remarkable evolution in the Indian microfinance sector. The Microfinance Institution (MFI)-Bank Linkage Model and the SHG-Bank Linkage Model (SHG-BLM) are the two main models used in India to deliver microfinance. The most effective widely utilized microfinance model in India is the SHG-BLP, which was created by NABARD. The SHG-BLP was first introduced by the National Bank for Agriculture and Rural Development (NABARD) in February 1992. Under this program, banks were linked to Self Help Groups (SHGs) to distribute credit as well as savings. Since 1992,
APA, Harvard, Vancouver, ISO, and other styles
49

Rasheed, Burhan, Zohair Farooq Malik, Amer Shakeel, and Syed Taha Fraz Haider Kazmi. "Evaluating the State Laws and Regulations of Microfinance Institutions (MFIs) in Asia: A Comparative Study." Audit and Accounting Review 1, no. 2 (2021): 91–110. http://dx.doi.org/10.32350/aar.12.05.

Full text
Abstract:
This study evaluates the laws and regulations of Microfinance Institutions (MFIs) in Asia. It compares the regulatory framework of MFIs with institutional development and macroeconomic perspective and concludes that central banks control formal MFIs by applying legislation. Conversely, semiformal MFIs are regulated and controlled by a government body or an apex organization. Unfortunately, informal MFIs are not regulated at all. It was observed that even though regulations are effective; however, the ownership structure, governance, and internal controls are not adequate and appropriate for al
APA, Harvard, Vancouver, ISO, and other styles
50

Aluodo, Francis, and Salome Musau. "Liquidity Management Practices and Financial Performance of Microfinance Banks in Nairobi City County, Kenya." International Journal of Current Aspects in Finance, Banking and Accounting 6, no. 2 (2024): 55–70. http://dx.doi.org/10.35942/s8dz3y62.

Full text
Abstract:
Microfinance banks are financial institutions that provide loans, insurance, saving platforms and other financial products to various individuals. Thus, these institutions require sufficient liquid assets to enable them to meet their routine financial obligations. However, in Kenya, microfinance banks have been recording a declining trend regarding their financial performance over time, leading to grave concerns. Thus, this study aimed to assess cash management practices and their effect on Nairobi City County’s MFB's financial performance. The analysis and elucidation of the literature was fa
APA, Harvard, Vancouver, ISO, and other styles
We offer discounts on all premium plans for authors whose works are included in thematic literature selections. Contact us to get a unique promo code!

To the bibliography