Document Type

Thesis or dissertation

Date of this Version

5-2019

Advisor

Daniel Raff

Abstract

Female microcredit recipients are more likely to productively apply loans and less likely to default. In the Nigerian market, however, studies have revealed stark gender disparities in both loan approval rates and mean loan amount. This paper uses reported data from FY2015-FY2019 from all licensed microfinance institutions (MFIs) to assess the importance of four structural components of MFIs (total asset value, the existence of nonfinancial women’s empowerment services, the percentage of female loan officers, and the percentage of female managers) in lending to women. Data limitations resulted in significant unexplained variance in all statistical models, while also revealing few relationships between the variables and the percent of female borrowers in an institution’s portfolio. This work intended to offer recommendations to Nigeria’s regulators and MFIs, but concludes that recommendations are not feasible from aggregated data; rather they must be derived from local studies wherein subtle influences may be accounted for.

Keywords

Microfinance, Nigeria, Female Lending, Women’s Empowerment, Sustainability

Included in

Business Commons

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Date Posted: 13 November 2019

 

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