Transformation Of Micro Finance Schemes From Subsistence Living To Small Scale Enterprises In Nigeria
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| Author | : Kalu O. Oji |
| Publisher | : |
| Total Pages | : 30 |
| Release | : 2006 |
| Genre | : |
| ISBN | : |
Microfinance Institutions (MFIs) are set up to provide funding for the enterprising poor. Through cycles of loans and repayments it is expected that the poor are increasingly empowered to move out of poverty. This, however, is made possible by the injection of technology into the enterprises of the poor. The proposed option is to change some of the policies to favor the acquisition of technology by SMEs, and the growth of SMEs. There is need for Implementation of the chosen policies, as well as strengthening institutional framework during implementation.
| Author | : Adewale Adegoke Alawiye-Adams |
| Publisher | : |
| Total Pages | : 16 |
| Release | : 2014 |
| Genre | : |
| ISBN | : |
The contributions of small and medium scale enterprises to the economic sector of any nation cannot be ignored by any means. In most countries, small and medium scale enterprises contribute significantly to the Gross Domestic Product (GDP) of the economy. The industry constitutes an average of 75% of entrepreneurship efforts and absorbs a reasonable percentage of a society's labor force into the work force group (Onwumere, 2000). Industrialization policies of government in the past have unduly favored large scale industrial promotion, with the hope that there would be positive revitalization jump-starting the economy. But rather than having a positive transformation, the situation grew worse; what was evidenced, were sporadic geometric economic depression and outrageous economic slavery by multinational industrial organizations. This article evaluated the overview of government's microfinance initiatives in the efforts to provide funding, technical and other types of support for micro, small and medium scale industries in the 21st century - it looked at the age when African countries began to appreciate the role of small and medium scale industries in the industrial growth and economic development of the nation. The emergence of non - governmental organizations in the provision of microfinance credit scheme initiatives was also noted to have contributed immensely towards micro and rural entrepreneurship financing. Related issues pertaining to micro finance policies and initiatives of government in the establishment of Small and Medium Scale Enterprises Equity Investment Scheme (SMEEIS) funding were discussed extensively in areas such as, microfinance policy; the objectives; the targets; strategies for accomplishment; establishment of frameworks; eligibility; other financial institutions involvement; supervision, regulation and control. An in-depth analysis of the new micro finance policy was initiated, recommendations on the effective implementation were proffered and the author believes that if the prescriptions in this article are implemented, the nation would witness a new dawn in small and medium scale enterprises financing.
| Author | : S. Rajagopalan |
| Publisher | : |
| Total Pages | : 220 |
| Release | : 2009 |
| Genre | : Africa |
| ISBN | : |
Africa is home to some of the poorest and vulnerable populations in the world. The ten poorest countries in the world are in Africa. Sub-Saharan Africa is the region with the highest incidence and greatest depth of poverty in the world. Fewer than one in five adults in Africa has access to the services of a formal or semi-formal financial institution. Microfinance in Africa is growing, though. A broad range of diverse institutions offer financial services to the poor and low-income clients in Africa. These include non-governmental organizations, non-banking financial institutions, cooperatives, credit unions, rural banks, Rotating Savings and Credit Associations (ROSCAs), postal financial institutions and an increasing number of commercial banks. Increasingly, technology is being used to expand microfinance outreach mobile phone banking is one such example. This book provides an overview of the microfinance sector in Africa, reviews the performance and impact of microfinance institutions in the region, and outlines some of the opportunities and challenges that African microfinance has on hand.
| Author | : |
| Publisher | : |
| Total Pages | : 338 |
| Release | : 2008 |
| Genre | : Banks and banking |
| ISBN | : |
| Author | : Cecilia Ibru |
| Publisher | : |
| Total Pages | : 68 |
| Release | : 2007 |
| Genre | : Entrepreneurship |
| ISBN | : |
| Author | : |
| Publisher | : |
| Total Pages | : 76 |
| Release | : 2005 |
| Genre | : Microfinance |
| ISBN | : |
| Author | : Jörg Wiegratz |
| Publisher | : African Books Collective |
| Total Pages | : 436 |
| Release | : 2009 |
| Genre | : Business & Economics |
| ISBN | : 9970029681 |
Despite significant economic recovery and improved macro-economic indicators since 1986, Uganda's economy continues to face considerable challenges. This book analyses the relationship between economic and human resource development in the country. It identifies deficits in capabilities, skills, know-how, experience, linkage building, and technology use as well as undesirable business practices. These shortcomings limit economic diversification, productivity enhancement, job and income creation, as well as poverty reduction. The book calls for more efforts towards human resource development. The current narrow mainstream economic policy focus on macro-economic stability, a favourable investment climate, and improved physical infrastructure alone will not foster economic development and broad-based well-being. The Ugandan people and the private sector need more state support - in addition to the predominant education and health focus of the government and donors - if they are to develop the required human resources. More and better training, enhanced learning at the place of work and an improved business culture are vital. It is essential to focus on technical, organisational, managerial, entrepreneurial, learning, innovative, social, and institutional capabilities. Efforts towards dealing with these challenges will require attention to the political-economic climate of the country. To make the argument, the author covers a wide range of topics such as training and learning, technology, productivity, latecomer development, competitiveness, labour market, MSMEs, entrepreneurship, value chains, cooperation and trust, and human resource management. The book contains more than 130 figures, tables and information boxes. - See more at: http: //www.africanbookscollective.com/books/ugandas-human-resource-challenge#sthash.4XThRHxq.dpuf
| Author | : Marguerite Robinson |
| Publisher | : World Bank Publications |
| Total Pages | : 358 |
| Release | : 2001-06-01 |
| Genre | : Business & Economics |
| ISBN | : 0821383388 |
Around the world, a revolution is occurring in finance for low-income people. The microfinance revolution is delivering financial services to the economically active poor on a large scale through competing, financially self-sufficient institutions. In a few countries this has already happened; in others it is under way. The emerging microfinance industry has profound implications for social and economic development. For the first time in history, capital is well on its way to being democratized. 'The Microfinance Revolution', in three volumes, is aimed at a diverse readership - economists, bankers, policymakers, donors, and social scientists; microfinance practitioners and specialists in local finance and rural and urban development; and members of the general public interested in development. This first volume, 'Sustainable Finance for the Poor', focuses on the shift from government- and donor-subsidized credit systems to self-sufficient microfinance institutions providing voluntary savings and credit services.
| Author | : John Oakeshott |
| Publisher | : |
| Total Pages | : 308 |
| Release | : 2013 |
| Genre | : Fruit trade |
| ISBN | : |
The southern Philippines fruits and vegetables program was a collaborative research model jointly managed by ACIAR and the Philippine Council for Agriculture, Aquatic and Natural Resources Research and Development (PCAARRD). These proceedings represent the results of nine projects covering a range of commodities and research areas, the ultimate goal of which was to contribute to economic growth in the southern Philippines and to improve the livelihoods of Filipino farmers and their families.
| Author | : Milford Bateman |
| Publisher | : Zed Books Ltd. |
| Total Pages | : 384 |
| Release | : 2010-06-10 |
| Genre | : Business & Economics |
| ISBN | : 1848138954 |
Since its emergence in the 1970s, microfinance has risen to become one of the most high-profile policies to address poverty in developing and transition countries. It is beloved of rock stars, movie stars, royalty, high-profile politicians and ‘troubleshooting’ economists. In this provocative and controversial analysis, Milford Bateman reveals that microfinance doesn’t actually work. In fact, the case for it has been largely built on hype, on egregious half-truths and – latterly – on the Wall Street-style greed of those promoting and working in microfinance. Using a multitude of case studies, from India to Cambodia, Bolivia to Uganda, Serbia to Mexico, Bateman demonstrates that microfi nance actually constitutes a major barrier to sustainable economic and social development, and thus also to sustainable poverty reduction. As developing and transition countries attempt to repair the devastation wrought by the global financial crisis, Why Doesn’t Microfinance Work? argues forcefully that the role of microfinance in development policy urgently needs to be reconsidered.
