Access to formal credit and enterprise performance in Nigeria: a gender perspective

Nwosu, Emmanuel O.; Orji, Anthony

doi:10.15611/aoe.2016.1.08

Cited by 9 publications

(4 citation statements)

References 49 publications

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Section: B Empirical Literaturementioning

confidence: 99%

“…In Nigeria, studies (e.g., Nwosu and Orji, 2016;Nwosu et al, 2020) found that access to credit enhances agricultural yield and farm production of enterprises, while other studies (e.g., Adegbite, 2009;Rahji and Fakayode, 2009) found that credit access significantly improves agricultural productivity. Studies have also shown that access to credit impacts positively and significantly on the performance of enterprises (Nwosu and Orji, 2016;Ojonta and Ogbuabor, 2021). Overall, the different aspects of the empirical literature on the relationship between access to credit and household enterprises indicate that the impact of credit access on the physical capital stock of NHEs in Nigeria is yet to be investigated.…”

Section: B Empirical Literaturementioning

confidence: 99%

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Access to Credit and Physical Capital Stock: A Study of Non-Farm Household Enterprises in Nigeria

Ojonta

Ogbuabor

2022

BEMP

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This study investigated the influence of access to credit on the physical capital stock of non-farm household enterprises in Nigeria. The study used the binary logistic regression technique and Nigeria’s 2018-19 General Household Survey data (Wave 4). We find that the influence of access to credit on the physical capital stock of nonfarm household enterprises in Nigeria is positive and significant. This implies that access to credit enhances the capacity of these enterprises to procure physical capital stock. Our results also indicate that expenditure on raw materials, profit, and years of operations are other key drivers of physical capital stock accumulation. Consequently, we conclude that there is a need for policies to enhance access to credit by non-farm household enterprises in Nigeria to strengthen their operations on a sustainable basis.

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Section: B Empirical Literaturementioning

confidence: 99%

Section: B Empirical Literaturementioning

confidence: 99%

Access to Credit and Physical Capital Stock: A Study of Non-Farm Household Enterprises in Nigeria

Ojonta

Ogbuabor

2022

BEMP

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“…According to research done by Nwosu, Emmanuel, and Anthony (2016), on financial credits and the expansion of small businesses in Nigeria. It has been found that access to credit has a vital role in assisting enterprises to access all kinds of assets needed by SMEs and improve firm performance.…”

Section: Access To Credit and Growth Of Youth-owned Msesmentioning

confidence: 99%

Growth of Youth-Owned Micro and Small Enterprises in Kigali City, Rwanda: What is the Role of Government Entrepreneurial Interventions?

Niyonsaba¹,

Muathe²,

Namusonge³

2022

jeb

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Micro and Small Enterprises are major players in the wealth of nations, and therefore various entrepreneurial interventions were launched for boosting the economies and standards of living by creating employment opportunities and profits. However, these MSEs have experienced some problems which lessen their growth. The objective of the research was to investigate the effect of government interventions on the growth of youth-owned MSEs in Kigali City, Rwanda. The study was anchored on the resource-based view, Gibb’s support theory, adoption theory, and growth of a firm theory/ Explanatory and descriptive research designs were adopted. The sample was 154 respondents drawn from three districts of Kigali city with a population of 252 youth-owned MSEs. Data was collected using a questionnaire and analyzed using multiple linear regression analysis. The study concludes that entrepreneurial training, access to credit, technology-based online social media, and market access effectively influenced the growth of MSEs in Kigali City, Rwanda. The study recommended that government entrepreneurial interventions should be effectively factored into policy-making and program implementation for sufficient growth of MSEs. MSEs should adopt technology-based online social media to market their products to the global market beyond the Rwanda boundary. Moreover it’s an effective management tool for customer relations for online business.

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“…Some studies in extant literature have established conditions for access to credit. Nwosu and Orji (2016) revealed that access to credit is possible through provision of collateral by non-agricultural household enterprises. Essien and Arene (2014) explained that ability to pay back loan guaranteed investors an access to credit.…”

Section: Introductionmentioning

confidence: 99%

Impact of Employment on Access to Credit of Non-Agricultural Household Enterprises in Nigeria

Edith,

Obed,

Jonathan

2023

ijfirm

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Purpose:The study examines impact of employment on access to credit by non-agricultural household enterprises in Nigeria using binary logistic regression approach. Design/Methodology/Approach: The data for the study was drawn from General Household Survey (Wave 4) published by the National Bureau of Statistics in 2019. Apart from the core variables studied, other variables considered in the study include: spending on other business costs, spending on rent, spending on transport, spending on salaries, and location of the enterprise. Findings: The findings indicate that employment is positive and significantly influence access to credit by non-agricultural enterprises in Nigeria. Interestingly, the influence of employment on access to credit by household non-agricultural enterprises is consistent even when the estimation is disaggregated into rural and urban enterprises. When disaggregated into rural and urban enterprises also revealed that spending on other business is negative and significantly influence access to credit by urban non-agricultural household enterprises while spending on transport is positive and significantly influence access to credit by rural non-agricultural household enterprises. Other factors like location, spending on rent, and salaries exert insignificant for access to credit. The study concludes that there is need for adequate policies that will promote employment through job creation.

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Access to formal credit and enterprise performance in Nigeria: a gender perspective

Cited by 9 publications

References 49 publications

Access to Credit and Physical Capital Stock: A Study of Non-Farm Household Enterprises in Nigeria

Access to Credit and Physical Capital Stock: A Study of Non-Farm Household Enterprises in Nigeria

Growth of Youth-Owned Micro and Small Enterprises in Kigali City, Rwanda: What is the Role of Government Entrepreneurial Interventions?

Impact of Employment on Access to Credit of Non-Agricultural Household Enterprises in Nigeria

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