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MICRO FINANCE AND ECONOMIC EMPOWERMENT OF WOMEN

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MICRO FINANCE AND ECONOMIC EMPOWERMENT OF WOMEN

Abstract

There have been contentious academic debates on the validity of Micro-Finance Institutions (MFIs) impacting women’s empowerment positively. Some empirical findings have revealed that micro-finance services act as a panacea toward empowering women. However, there has been sharp criticism from some economic experts on the notion that micro-finance can aid women’s empowerment. This paper examines the impact of micro-credit on women’s empowerment in Lagos, Nigeria. Using the quantitative method from Lagos, the study shows women who take part in MFIs projects have been empowered economically and socially. In all, a total of 40 women who are clients to micro-finance institutions participated in the survey. The data obtained were analysed and transcribed. The results show a significant improvement in the household well-being, income and employment, and women’s empowerment, as a result of participating in micro-finance programmes. However, all the respondents bemoaned the high interest rates being charged by the MFIs, as a result of this, the paper recommends that the regulatory authority should monitor the conduct of most of the MFIs vis a vis the high interest rate.

TABLE OF CONTENT

Title page- – – – – – – – – i
Approval page – – – – – – – -ii
Dedication – – – – – – – – -iii
Acknowledgement – – – – – – – -iv
Abstract – – – – – – – – – -v
Table of content – – – – – – – -vi

CHAPTER ONE
INTRODUCTION – – – – – – – -1
1.0 Background of the study – – – – -1
1.1 Statement of the problem – – – – -5
1.2 Purpose of the study – – – – – -6
1.3 Significance of the study – – – – -8
1.4 Research questions – – – – – -9
1.5 Scope of the study – – – – – – -10

CHAPTER TWO

LITERATURE REVIEW – – – – – – -11

CHAPTER THREE

Research methodology – – – – – – -39
Design of study – – – – – – – -40

CHAPTER FOUR

Presentation, analysis and interpretation of data – -48

CHAPTER FIVE

Summary of findings – – – – – – -60
Conclusion – – – – – – – – -61
Recommendations – – – – – – – -62
Suggestions for further research – – – – -64
References – – – – – – – – -65
Appendix I – – – – — – – – -68
Questionnaire. – – – – – – – -69

MICRO FINANCE AND ECONOMIC EMPOWERMENT OF WOMEN

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