Analysis of the effects of policies of microfinance institutions on the technological capabilities of micro-borrowers in Nigeria.

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dc.contributor.authorOji, K. O.
dc.date.accessioned2018-11-05T14:43:53Z
dc.date.available2018-11-05T14:43:53Z
dc.date.issued2008-09
dc.description.abstractA study was conducted to determine the effects of Microfinance institutions’ (MFIs) policies on the technological capabilities of micro-borrowers in Nigeria. Nine (9) Microfinance institutions and 250 of their clients were surveyed in 2005 and 2006. The findings showed that between 2001 and 2005 there was significant growth in the clientele, savings, and loans made by the MFIs reflecting increasing demand for microfinance services. The regression results showed that the technological capability of micro-borrowers were affected by the number of employees/workers, duration of their loans, age of major machinery/ equipment of the enterprise, and the degrees of appropriateness of the machinery/equipment to workers’ skills, and available infrastructure. The operator’s length of experience, and interest rate on MFI loans negatively influenced technological capability. In order to encourage technology accumulation through micro-financing, the paper addresses an increase in the duration of clients’ loans, spreading the repayment over a longer period, and increase in the moratorium as well as introduction of low-interest loan products for technology acquisition by the MFIs.en_US
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dc.description.provenanceMade available in DSpace on 2018-11-05T14:43:53Z (GMT). No. of bitstreams: 1 Analysis of the effects of policies of microfinance institutions on the technological capabilities of.pdf: 121776 bytes, checksum: 16db64b1062fab98bc4daaec11431823 (MD5) Previous issue date: 2008-09en
dc.description.sponsorshipCentral Bank of Nigeriaen_US
dc.identifier.citationOji, K. O. (2008). Analysis of the effects of policies of microfinance institutions on the technological capabilities of micro-borrowers in Nigeria. Economic and Financial Review, 46(3), 1-28.en_US
dc.identifier.issn1957-2968
dc.identifier.urihttp://repo.cbn.gov.ng/jspui/handle/123456789/555
dc.language.isoenen_US
dc.publisherCentral Bank of Nigeria, Research Department.en_US
dc.relation.ispartofseriesVol. 46;No. 3
dc.subjectMicrofinance,en_US
dc.subjectTechnological capability,en_US
dc.subjectMicro-borrowers,en_US
dc.subjectMicro-enterprises.en_US
dc.titleAnalysis of the effects of policies of microfinance institutions on the technological capabilities of micro-borrowers in Nigeria.en_US
dc.typeArticleen_US

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