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Access to Formal Credit and Enterprise Performance in Nigeria: A Gender Perspective
Emmanuel O. Nwosu,Anthony Orji +1 more
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In this paper, the impact of access to formal credit on enterprise performance has been investigated, showing that firms that are credit constrained have significantly lower output per worker, capital per worker and investment in fixed assets for expansion compared to those that are not credit constrained.Abstract:
The main focus of this study is to ascertain the impact of access to formal credit on enterprise performance. The study uses Nigerian Enterprise Surveys data for 2010 to construct a direct measure of credit constraint. From propensity score estimations, the results show that access to formal credit matters and has a significant impact on enterprise performance indicators. Firms that are credit constrained have significantly lower output per worker, capital per worker, employment of labour and investment in fixed assets for expansion compared to firms that are not credit constrained. This is more pronounced for women-owned enterprises after adjusting for bias in the estimations and controlling for sampling weights. This suggests that one way to support the growth of enterprises in Nigeria is to make access to formal credit less stringent. Also, government and monetary authorities should support credit expansion policies for medium and small enterprises in Nigeria.read more
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Determinants of SMEs Performance of the Gem and Jewelry Industry in Thailand: A Pilot Study
TL;DR: The main purpose of this pilot study is to examine and quantitatively explore a small sample of data on the determinants of strategic orientations and access to finance towards SMEs performance of the gem and jewelry industry in Thailand.
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Access to Credit and Women Entrepreneurs: A Systematic Literature Review
TL;DR: In this article, the authors investigate some of the problems women entrepreneurs face when they request access to credit, including supply and demand barriers, obstacles related to the characteristics of the entrepreneur and the enterprise, lack of financial resources, and problems related to Italy's social and cultural traditions.
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Social Capital, Credit Access and Household Nonfarm Enterprises in Nigeria: A new Empirical Evidence
Emmanuel O. Nwosu,Anthony Orji,Nathaniel E. Urama,Chisom Emecheta,Queen O. Chukwuma,Joseph Nnaemeka Chukwuma +5 more
TL;DR: In this paper, the effects of social capital on access to credit by household non-farm small enterprises in Nigeria were investigated, and the authors tried to ascertain how social capital determines the access of small enterprises to credit.
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Access to credit and physical capital stock: a study of non-farm household enterprises in nigeria
Obed Ojonta,Jonathan E. Ogbuabor +1 more
TL;DR: In this article , the authors investigated the influence of access to credit on the physical capital stock of non-farm household enterprises in Nigeria using the binary logistic regression technique and the 2018-19 General Household Survey data (Wave 4).
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The role of financial resources on women microenterprise performance in adamawa state, nigeria: a conceptual framework
TL;DR: In this article, the role of micro-finance resources on women microenterprise performance in the Adamawa State of Nigeria has been assessed, and the mediating role of training on the relationship between financial resources and women micro-enterprises performance is examined.
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