AN EVALUATION OF THE IMPACT OF THE NIGERIAN AGRICULTURAL AND COOPERATIVE BANK'S DIRECT INVESTMENT LOAN SCHEME IN KATSINA STATE

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dc.contributor.authorCHIMA, KATE OBIANUJU
dc.date.accessioned2014-02-17T11:17:28Z
dc.date.available2014-02-17T11:17:28Z
dc.date.issued2012-11
dc.descriptionA THESIS SUBMITTED TO SCHOOL OF POSTGRADUATE STUDIES, AHMADU BELLO UNIVERSITY ZARIA IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE AWARD OF M.Sc IN ECONOMICS IN THE DEPARTMENT OF ECONOMICS. NOVEMBER 2012en_US
dc.description.abstractThe thrust of this study is to evaluate the impact of Microfinance banks credit on Kaduna State and to examine the impact of Microfinance on the beneficiaries. The data utilized cross sectional data obtained through questionnaires administered randomly to six (6) operators, one hundred and eighty (180) questionnaires beneficiaries of microfinance banks’ credit facilities and one hundred and eighty (180) questionnaires non- beneficiaries of microfinance bank credit facilities respectively. The tools of analysis used are Descriptive Statistics, Paired sample t test technique and Double Difference (DD) estimator model. The study reveals that (i) there is a significant difference (in terms of income, business expansion and improved profit) in the number of businesses who use microfinance products than those that did not use Microfinance Credit. This study concludes that there is a significant relationship between Microfinance Credit and change in income, output growth and general welfare level in Kaduna State. Therefore, the study recommends that the state government in partnership with the Central Bank of Nigeria should ensure that Microfinance product should be combined with other development tools to leverage the effect of Credit. Second, repayment should include a grace period with reasonable schedule instead of weekly payment period that is presently practiced among the micro finance banks in the State.en_US
dc.identifier.urihttp://hdl.handle.net/123456789/1748
dc.language.isoenen_US
dc.subjectEVALUATION,en_US
dc.subjectIMPACT,en_US
dc.subjectMICRO FINANCE BANKS,en_US
dc.subjectBENEFICIARIES,en_US
dc.subjectKADUNA STATE.en_US
dc.titleAN EVALUATION OF THE IMPACT OF THE NIGERIAN AGRICULTURAL AND COOPERATIVE BANK'S DIRECT INVESTMENT LOAN SCHEME IN KATSINA STATEen_US
dc.typeThesisen_US
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