{"id":{"repo_id":"bradford","oai_identifier":"oai:bradscholars.brad.ac.uk:10454/15206"},"canonical_url":"https://search.dev.ndltd.org/etd/bradford/oai:bradscholars.brad.ac.uk:10454/15206","repository":{"repo_id":"bradford","name":"University of Bradford","base_url":"https://bradscholars.brad.ac.uk/oai/request"},"display":{"title":"Sustainability and Outreach: Analysis of Microfinance Banks in Nigeria","abstract":"The thesis empirically examined the implications of microfinance scaling up or sustainability on outreach in Nigeria. Basically, two methodologies were used namely, panel data econometric and survey methods. The panel dataset of 752 microfinance banks in Nigeria was used during the period 2011-2014, while the survey was conducted on some selected microfinance banks in Federal Capital Territory, Abuja in 2014. The findings from the thesis showed that, at the national level, yield, labour cost, orientation, efficiency, gender and size of loans are the major drivers of microfinance banks‟ sustainability in Nigeria. While at the state level, microfinance banks sustainability is driven by orientation and loan size. Findings also showed that sustainable MFBs tend to be more focused on the poor clients. The thesis showed that lending to female clients improves repayment rate of MFBs in Nigeria. Corroborating the regression result, the survey findings also suggest that lending to women had improved and enhanced repayment rate. In view of these findings, the thesis recommends that sustainability and outreach are not necessarily incompatible. However in pursuing sustainability greater attention should be on female clients, as greater lending to women would improve the repayment rate of MFBs and further engendered the industry sustainability.","abstract_html":"The thesis empirically examined the implications of microfinance scaling up or sustainability on outreach in Nigeria. Basically, two methodologies were used namely, panel data econometric and survey methods. The panel dataset of 752 microfinance banks in Nigeria was used during the period 2011-2014, while the survey was conducted on some selected microfinance banks in Federal Capital Territory, Abuja in 2014. The findings from the thesis showed that, at the national level, yield, labour cost, orientation, efficiency, gender and size of loans are the major drivers of microfinance banks‟ sustainability in Nigeria. While at the state level, microfinance banks sustainability is driven by orientation and loan size. Findings also showed that sustainable MFBs tend to be more focused on the poor clients. The thesis showed that lending to female clients improves repayment rate of MFBs in Nigeria. Corroborating the regression result, the survey findings also suggest that lending to women had improved and enhanced repayment rate. In view of these findings, the thesis recommends that sustainability and outreach are not necessarily incompatible. However in pursuing sustainability greater attention should be on female clients, as greater lending to women would improve the repayment rate of MFBs and further engendered the industry sustainability.","abstract_has_math":false,"creators":["Ogunleye, Toyin S."],"institution":"University of Bradford","degree_name":null,"degree_level":null,"degree_discipline":null,"degree_department":null,"school":null,"contributors":[],"advisors":["Weiss, John A.","Jalilian, Hossein"],"committee_chairs":[],"committee_members":[],"year":2015,"date_issued":"2015","date_published":"2015","updated_at":"2026-07-24T01:14:08Z","subjects":["Mission drift; Interest rate; Loans; Repayment; Women; Outreach; Scaling up; Microfinance; Microfinance banks; Nigeria"],"languages":["en"],"rights":["\"Creative
The University of Bradford theses are licenced under a Creative Commons Licence."],"rights_urls":[],"identifier_entries":[]},"links":{"outbound_url":"http://hdl.handle.net/10454/15206","outbound_label":"Handle","outbound_source":"dc:identifier.uri"},"metadata_groups":[{"id":"people","label":"People","entries":[{"key":"dc:contributor.advisor","label":"Advisor","values":["Weiss, John A.","Jalilian, Hossein"]},{"key":"dc:creator","label":"Author","values":["Ogunleye, Toyin S."]}]},{"id":"academic_context","label":"Academic Context","entries":[{"key":"dc:date.accessioned","label":"Dc Date Accessioned","values":["2018-03-12T16:04:19Z"]},{"key":"dc:date.available","label":"Dc Date Available","values":["2018-03-12T16:04:19Z"]},{"key":"dc:date.issued","label":"Date","values":["2015"]},{"key":"dc:publisher.department","label":"Dc Publisher Department","values":["School of Social Sciences and Humanities"]},{"key":"dc:publisher.institution","label":"Dc Publisher Institution","values":["University of Bradford"]},{"key":"dc:type","label":"Dc Type","values":["Thesis"]},{"key":"dc:type.qualificationlevel","label":"Dc Type Qualificationlevel","values":["doctoral"]},{"key":"dc:type.qualificationname","label":"Dc Type Qualificationname","values":["PhD"]}]},{"id":"subjects_keywords","label":"Subjects and Keywords","entries":[{"key":"dc:subject","label":"Dc Subject","values":["Mission drift; Interest rate; Loans; Repayment; Women; Outreach; Scaling up; Microfinance; Microfinance banks; Nigeria"]}]},{"id":"language_rights","label":"Language and Rights","entries":[{"key":"dc:language.iso","label":"Language (ISO)","values":["en"]},{"key":"dc:rights","label":"Dc Rights","values":["\"Creative
The University of Bradford theses are licenced under a Creative Commons Licence."]}]},{"id":"identifiers","label":"Identifiers","entries":[{"key":"dc:identifier.uri","label":"Identifier URI","values":["http://hdl.handle.net/10454/15206"]}]},{"id":"additional","label":"Additional Metadata","entries":[{"key":"dc:description.abstract","label":"Abstract","values":["The thesis empirically examined the implications of microfinance scaling up or sustainability on outreach in Nigeria. Basically, two methodologies were used namely, panel data econometric and survey methods. The panel dataset of 752 microfinance banks in Nigeria was used during the period 2011-2014, while the survey was conducted on some selected microfinance banks in Federal Capital Territory, Abuja in 2014. The findings from the thesis showed that, at the national level, yield, labour cost, orientation, efficiency, gender and size of loans are the major drivers of microfinance banks‟ sustainability in Nigeria. While at the state level, microfinance banks sustainability is driven by orientation and loan size. Findings also showed that sustainable MFBs tend to be more focused on the poor clients. The thesis showed that lending to female clients improves repayment rate of MFBs in Nigeria. Corroborating the regression result, the survey findings also suggest that lending to women had improved and enhanced repayment rate. In view of these findings, the thesis recommends that sustainability and outreach are not necessarily incompatible. However in pursuing sustainability greater attention should be on female clients, as greater lending to women would improve the repayment rate of MFBs and further engendered the industry sustainability."]},{"key":"dc:title","label":"Title","values":["Sustainability and Outreach: Analysis of Microfinance Banks in Nigeria"]}]}],"canonical_facts":{"dc:contributor.advisor":["Weiss, John A.","Jalilian, Hossein"],"dc:creator":["Ogunleye, Toyin S."],"dc:date.accessioned":["2018-03-12T16:04:19Z"],"dc:date.available":["2018-03-12T16:04:19Z"],"dc:date.issued":["2015"],"dc:description.abstract":["The thesis empirically examined the implications of microfinance scaling up or sustainability on outreach in Nigeria. Basically, two methodologies were used namely, panel data econometric and survey methods. The panel dataset of 752 microfinance banks in Nigeria was used during the period 2011-2014, while the survey was conducted on some selected microfinance banks in Federal Capital Territory, Abuja in 2014. The findings from the thesis showed that, at the national level, yield, labour cost, orientation, efficiency, gender and size of loans are the major drivers of microfinance banks‟ sustainability in Nigeria. While at the state level, microfinance banks sustainability is driven by orientation and loan size. Findings also showed that sustainable MFBs tend to be more focused on the poor clients. The thesis showed that lending to female clients improves repayment rate of MFBs in Nigeria. Corroborating the regression result, the survey findings also suggest that lending to women had improved and enhanced repayment rate. In view of these findings, the thesis recommends that sustainability and outreach are not necessarily incompatible. However in pursuing sustainability greater attention should be on female clients, as greater lending to women would improve the repayment rate of MFBs and further engendered the industry sustainability."],"dc:identifier.uri":["http://hdl.handle.net/10454/15206"],"dc:language.iso":["en"],"dc:publisher.department":["School of Social Sciences and Humanities"],"dc:publisher.institution":["University of Bradford"],"dc:rights":["\"Creative
The University of Bradford theses are licenced under a Creative Commons Licence."],"dc:subject":["Mission drift; Interest rate; Loans; Repayment; Women; Outreach; Scaling up; Microfinance; Microfinance banks; Nigeria"],"dc:title":["Sustainability and Outreach: Analysis of Microfinance Banks in Nigeria"],"dc:type":["Thesis"],"dc:type.qualificationlevel":["doctoral"],"dc:type.qualificationname":["PhD"]},"updated_at":"2026-07-24T01:14:08Z"}