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THE IMPACTS
OF MICRO FINANCING ON THE PERFORMANCE OF WOMEN ENTREPRENEURS
CHAPTER ONE
1.1 Background To The Study
Microfinance
constitute the facilitation of financial
services to meet the needs of low income
individuals such as micro-entrepreneurs,
through the provision of small loans
(microloans), small savings deposits (micro-savings), micro-insurance and
enhancing simple payments services required by micro-entrepreneurs and economically active poor people who cannot
gain access to financial services
provided by the formal banking sector.(USAID, 2000). The loans provided are
small in amount and directed for entrepreneurial ventures. The loans are
collateral free and grouped based and mostly
direct to women entrepreneur, generally with low interest charges or interest free with a focus on women and
poor clients The focus being shifted to women is due to their ability to handle
meager amount of money profitably (UNITUS, 2000
1.2 Statement of the Problem
Microfinance
constitute the facilitation of financial
services to meet the needs of low income
individuals such as micro-entrepreneurs,
through the provision of small loans
(microloans), small savings deposits (micro-savings), micro-insurance and
enhancing simple payments services required by micro-entrepreneurs and economically active poor people who cannot
gain access to financial services
provided by the formal banking sector.(USAID, 2000).The inability of the poor
and small entreprenuers to access conventional banking services precipated the
formulation of the microfinance policy to address the financial need of this
poor and vulnerable segment of the society particularly the women. The loans
provided are small in amount and directed for entrepreneurial ventures. The
loans are collateral free and grouped based and mostly direct to women entrepreneur, generally with
low interest charges or interest free
with a focus on women and poor clients The focus being shifted to women is due
to their ability to handle meager amount of money profitably (UNITUS, 2000).The
research therefore seek to investigate the impact of micro financing on the
performance of women entreprenuers in kaduna state
Several years after the policy on micro
financing, a greater number of the poor and vulnerable poor segment are yet to
fully maximize the benefit of financial services of obtaining micro credit
facility for entrepreneurial businesses. It is pertinent to note that while the
microfinance bank are willing to disburse funds to this segment they are
however constraint by limited financial resources to meet the large number of
client wanting to obtain micro credit. Savings deposit is low due to the nature
of the activities carried out by the segment. Consequently there is the need to
re-appraise the activities of micro financing on the performance of women
entreprenuers with a view to determing the challenges Confronted by micro
finance banks towards the effective delivery of their constitutional mandate to
provide financial service to the economically active but poor segment of the
society particularly the women. Therefore the problem confronting the research
is to determine the impacts of micro financing on the performance of women
entrepreneurs in Kaduna state
1.3
Objectives of the Study
To determine
the impacts of micro financing on the performance of women entrepreneurs in
Kaduna state
1.4 Research
Questions
What is the
level impact of micro financing on the performance of women entrepreneurs in
kaduna state
1.5
Significance of the Study
The study
shall elucidate on the role and impact of microfinacing on the performance of
women entreprenuers in kaduna state
1.6 Research
Hypothesis
Ho The level
of impact of micro financing on the performance of women in Kaduna state is low
Hi The level of impact of micro financing on
the performance of women in Kaduna state is high
1.7 Scope of
the Study
The study
focuses on the appraisal of the impact of micro financing on the performance of
women entreprenuers in Kaduna state.
1.8
Limitations of the Study
The study
was confronted with some constraint such as logistics and geographical factor.
1.9
Definition of Terms
MICRO-
FINANCE BANK DEFINED
Microfinance
constitute the facilitation of financial
services to meet the needs of low income
individuals such as micro-entrepreneurs,
through the provision of small loans
(microloans), small savings deposits (micro-savings), micro-insurance and enhancing
simple payments services required by micro-entrepreneurs and economically active poor people who cannot
gain access to financial services
provided by the formal banking sector.(USAID, 2000). The loans provided are
small in amount and directed for entrepreneurial ventures. The loans are
collateral free and grouped based and mostly direct to women entrepreneur,
generally with low interest charges or interest free
ENTREPRENEURSHIP
DEFINED
Entrepreneurship
is the ability to identify and venture into new business opportunities with the
view of starting, owning and operating a business.
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