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How Does Microfinance Empower Women in Nigeria?: A Study
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Author(s): Ezebuilo R. Ukwueze (University of Nigeria, Nigeria), Henry T. Asogwa (University of Nigeria, Nigeria), Onyinye M. David-Wayas (University of Nigeria, Nigeria), Chisom Emecheta (University of Nigeria, Nigeria)and Johnson E. Nchege (University of Nigeria, Nigeria)
Copyright: 2019
Pages: 22
Source title:
Handbook of Research on Microfinancial Impacts on Women Empowerment, Poverty, and Inequality
Source Author(s)/Editor(s): Ramesh Chandra Das (Vidyasagar University, India)
DOI: 10.4018/978-1-5225-5240-6.ch001
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Abstract
That microfinance institutions empower women has become a heated debate at both theoretical and empirical economics. A large proportion of women in developing countries are characterized by segregation, relegation, poverty, vulnerability; majority of them engaged in agriculture and related economic activities, while a few others have menial jobs. The objective of this chapter is to determine how microfinance has empowered women in Nigeria. It employed propensity score matching and logit model to estimate the effect of microfinance on women empowerment and welfare. The results show that age of women, education, belonging to saving association, and operating an account are the determinants of women empowerment and welfare as they access finance from the microfinance banks. It was also observed that there is disparity among women who have access to liquidity. It is recommended that more microfinance banks be cited in the rural sector where the majority of the poor reside, policies like low interest rates, national awareness, and incentives for more women to access micro-credits.
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