An Assessment Of The Impact Of Microfinance Programme On Socioeconomic Well-Being And Business Growth Of Micro Entrepreneurs In Nigeria: A Case Study Of Cowries Microfinance Bank

Olubukola Olateju, Adijat (2016) An Assessment Of The Impact Of Microfinance Programme On Socioeconomic Well-Being And Business Growth Of Micro Entrepreneurs In Nigeria: A Case Study Of Cowries Microfinance Bank. PhD thesis, Universiti Sains Malaysia.

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    Abstract

    Nigeria sebagai sebuah negara membangun telah berhadapan dengan kadar kemiskinan yang tinggi saban tahun hingga kini. Oleh kerana itu, kerajaan Nigeria telah melaksanakan pelbagai dasar dan program untuk memperbaiki keadaan tersebut. Walau bagaimanapun, kebanyakan dari dasar dan program yang dijalankan telah gagal akibat dari rasuah, halangan-halangan birokrasi, dasar yang tidak konsisten dan kekurangan pemantauan dan penilaian yang berkesan. Ekoran dari itu, kerajaan telah menyedari akan keperluan untuk melaksanakan dasar pro-miskin seperti program bank kewangan mikro (MFB) yang memberi tumpuan kepada kesejahteraan golongan miskin, meningkatkan pembangunan keusahawanan supaya pekerjaan dapat diwujudkan, dan bagi tujuan menjana pembangunan sosio-ekonomi. Kerajaan, melalui Bank Pusat Nigeria (CBN) telah menggalakkan MFB untuk memberi pinjaman kepada Perusahann-perusahaan Mikro, Kecil dan Sederhana (Micro, Small and Medium Enterprises atau MSMEs) dengan perhatian yang lebih kepada perusahaan-perusahaan mikro (ME). Nigeria as a developing country has been facing high rates of poverty over the years. Given this, the government has embarked on many policies and programmes meant to ameliorate the situation. However, most of these policies and programmes have failed due to corruption, bureaucratic bottlenecks, inconsistency in policies, and lack of effective monitoring and evaluation. Hence, the government has realised the need to embark on propoor policies such as Micro-Finance Bank (MFB) programme with focus on the well-being of the poor, enhance entrepreneurship development, so that employment can be generated, and thereby bring about socio-economic development. The government, through the Central Bank of Nigeria (CBN) has encouraged MFB to lend to Micro, Small and Medium Enterprises (MSMEs) with more emphasis on Microenterprises (MEs).

    Item Type: Thesis (PhD)
    Subjects: H Social Sciences > H Social Sciences (General) > H1-99 Social sciences (General)
    Divisions: Pusat Pengajian Sains Kemasyarakatan (School of Social Sciences) > Thesis
    Depositing User: Mr Noorazilan Noordin
    Date Deposited: 18 Jan 2017 16:01
    Last Modified: 11 Apr 2017 15:23
    URI: http://eprints.usm.my/id/eprint/31686

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