Select Currency
Translate this page


Format: MS WORD  |  Chapter: 1-5  |  Pages: 73  |  1430 Users found this project useful  |  Price NGN3,000






1.0 Background to the study

Microfinance is the provision of a broad range of financial services to poor low-income households and micro enterprises (Amin and Pebley, 1994). Research interest in the issue of access to microfinance particularly by women has been on a rising trend in recent times. Bennet and Goldberg (1993) asserted that in developing economies, low-income women are often victims of societal suppression and abuse; while their counterparts in developed economies are victims of lending discrimination. It is therefore argued that lending to women may help empower them economically and socially.

The heightened interest in the gender dimension of microfinance in recent times stems from the fact that women are often seen as instruments for societal change and development and as such, empowering them may be of great benefit to society. Access to credit by women has therefore become the main subject of many global and regional conferences, seminars and workshops. Experts have widely acknowledged the substantial contribution of small and micro enterprises (of which women participation constitute larger percentage) to the entrepreneurialdevelopment of a nation, therefore the need to support them to grow. It is therefore no exaggeration to state that, the most important goal, which every society in the contemporary world has set for itself, is to empower its women to be able to afford basic necessities of life such as food, clothing and shelter; as well as be part of decision making in the home and community. In many societies in Africa, which Nigeria is no exception, women are not fully integrated into the socio-economic development process (Meyer, 1992) and one of the possible implications is that, these societies are deprived of their full utilization of their human resource capabilities and potentials. Education, in its true sense brings some level of empowerment and once a woman is empowered it will subsequently lead to a reduction in poverty in various societies, education helps women to contribute meaningfully to development through participation in decision making which has been perceived to be the prerogative of men.

In an effort to promote women empowerment, the U.N general assembly in 1974 passed a resolution emphasizing the priorities of women, their role and participation in entrepreneurialdevelopment and the need to integrate them fully into the development agenda. Subsequently, many world conferences like the first Women’s conference in Mexico City in 1975, and others at regional levels have been held and continued to be held. All these conferences aimed at developing and emphasizing strategies for the advancement of women so as to overcome the obstacles that women in general encounter in trying to achieve equality, peace, respect and a say in the development of lives through sustaining their income-generating activities to enhance their economic power.

In developing countries, many governments, in collaboration with NGO’s have over the years implemented programmes aimed at empowering women economically and socially. One NGO that has been in the forefront of championing the entrepreneurial empowerment of women is Nsehe Micro Finance Ltd. The company, which commenced operations in Nigeria in the year 2004, has accepted the challenge of helping to improve the status and contribution of women in the nation’s entrepreneurialdevelopment through the provision of small and micro-credit. This study therefore seeks to assess the contribution of microfinance to the entrepreneurial empowerment of women, with a focus on NSEHE MICRO FINANCE microfinance programme.

1.1 Statement of the Problem

Traditionally, socio-cultural beliefs and other impediments have long limited women’s participation in the economy and their access to resources for development especially in developing countries. However, there is a general consensus that in order for women to play a meaningful role in economic development, they must be empowered both at the economic and social level. One way of empowering women is to make credit easily accessible to them to finance their small and micro enterprises. In an attempt to realize this objective, a plethora of policies were implemented by various governments in collaboration with other stakeholders aimed at helping women access funds to expand their businesses. Despite, the efforts made by the government, policy makers, NGOs and financial institutions in extending financial services to micro enterprises (of which the participation of women is greatest), majority of women still faced enormous challenges in trying to access funds for their enterprises. Constraints to microfinance by women in small and micro enterprises can be attributed to a number of reasons such as low return activities undertaken by women coupled with heavy domestic workloads; channeling their low incomes or returns to support the up-keep of the home; high rate of illiteracy among women, their limited roles in household decision-making among others.

Moreover, the formal financial institutions consider lending to small businesses as a very time consuming and a costly venture since microenterprises lack proper accounting procedures and owners frequently mix their business and personal finances, so their financial statements are often unreliable. Without access to formal financial service, most microenterprises are compelled to raise greater percentage of their start-up capital through their own internal savings and from family members but these are always inadequate. This study therefore intends to explore the contribution of microfinance to the entrepreneurial empowerment of women and the measures that can be taken to make credit easily accessible to them.

1.2 Objectives of the Study

The general objective of the study is to investigate the effect of microfinance on the entrepreneurial empowerment of women.

. To examine the entrepreneurial characteristics of NSEHE MICRO FINANCE microfinance programme

. To investigate the effect of microfinance on the performance of microenterprises.

. To examine the effect of microfinance on entrepreneurial empowerment of women.

Research Questions

The research questions of the study are as follows;

. What are the entrepreneurial characteristics of NSEHE MICRO FINANCE microfinance programme?

. What is the effect of microfinance on the performance of microenterprises?. Does access to microfinance contributes to the entrepreneurial empowerment of women?

Significance of the study

The outcome of this study will help the government, policy makers and financial intermediaries on the contribution of microfinance towards women empowerment in Nigeria. Besides, the findings would be useful to advocates of women empowerment who can rely on it to make a case for more credit facilities for women to improve their businesses. Furthermore, the study may help other stakeholders particularly NSEHE MICRO FINANCE in reviewing their lending policies towards women in order to achieve greater efficiency and offer value added financial services.

1.5 Research Methodology

The study used the survey method to analyze the effect of microfinance on entrepreneurial empowerment of women. Statistical techniques such as frequency, percentages and statistical tools such as tables and bar graph are used to analyze the responses to the questionnaire. Detailed methodology is provided in chapter three.

1.6 Limitations of the Study

A number of problems were encountered in undertaking this study, such as non-availability of needed current data, which would have enriched the study further and enhance its analysis because of poor data keeping culture. Some difficulties were also faced in obtaining relevant information about NSEHE MICRO FINANCE due to privacy and security reasons. Besides, time and cost constraints make it technically impossible for a national survey thus the study relied on samples from the Greater Accra region although NSEHE MICRO FINANCE operates in eight regions in Nigeria.

1.7 Organization of the Study

The study is organized in five chapters. The first chapter gives the background to the study, problem statement, the objectives, research questions and the significance of the study among others. The second chapter dealt with a review of related literature on the topic whereas the third chapter covers the detailed methodology. The fourth chapter covers the presentation and discussion of the results. The summary, conclusion and recommendations are provided in the fifth chapter.


Not What You Are Looking For?

For Quick Help Chat with Us Now!

+234 814 010 7220

+233 54 135 1187

Here's what our amazing customers are saying

Emmanuel Essential
Kogi state University
I actually took the risk,you know first time stuff But i was suprised i received as requested. I love you guys 🌟 🌟 🌟 🌟
Very Good
Azeez Abiodun
Moshood Abiola polytechnic
I actually googled and saw about iproject master, copied the number and contacted them through WhatsApp to ask for the availability of the material and to my luck they have it. So there was a delay with the project due to the covid19 pandemic. I was really scared before making the payment cause I’ve been scammed twice, they attended so well to me and that made me trust the process and made the payment and provided them with proof, I got my material in less than 10minutes
Very Good
Gbadamosi Solomon Oluwabunmi
Swift delivery within 9 minutes of payment. Thank you project master
Ajayi Crowther University, Oyo
I was scared at first when I saw your website but I decided to risk my last 3k and surprisingly I got my complete project in my email box instantly. This is so nice!!!
Ahmadu Bello University
I wish I knew you guys when I wrote my first degree project, it took so much time and effort then. Now, with just a click of a button, I got my complete project in less than 15 minutes. You guys are too amazing!
Temitayo Ayodele
Obafemi Awolowo University
My friend told me about iprojectmaster website, I doubted her until I saw her download her full project instantly, I tried mine too and got it instantly, right now, am telling everyone in my school about, no one has to suffer any more writing their project. Thank you for making life easy for me and my fellow students... Keep up the good work
Very Good
Stancy M
Abia State University, Uturu
I did not see my project topic on your website so I decided to call your customer care number, the attention I got was epic! I got help from the beginning to the end of my project in just 3 days, they even taught me how to defend my project and I got a 'B' at the end. Thank you so much iprojectmaster, infact, I owe my graduating well today to you guys...
Ibrahim Muhammad Muhammad
Usmanu danfodiyo university, sokoto
It's a site that give researcher student's to gain access work,easier,affordable and understandable. I appreciate the iproject master teams for making my project work fast and available .I will surely,recommend this site to my friends.thanks a lot..!
Dau Mohammed Kabiru
Kaduna State College of Education Gidan Waya
This is my first time..Your service is superb. But because I was pressed for time, I became jittery when I did not receive feedbackd. I will do more business with you and I will recommend you to my friends. Thank you.
Very Good
Joseph M. Yohanna
Thanks a lot, am really grateful and will surely tell my friends about your website.


  • Select 3 Project Topics of your choice from your Department.
  • Submit the 3 topics to your Supervisor for Approval.
  • Call Our Instant Help Desk on +234 814 010 7220 and Get Your Complete Project Material Instantly.
  • All project materials on this website are well researched by professionals with high level of professionalism.


How do i choose a Project Topic?

Look for your department and select any topic of your choice

I have a fresh topic that is not on your website. How do I go about it?

How fast can i get a complete project from your website?

Within 15 minutes if the exact project topic is on our website

Is it a complete research project or just materials?

It is a Complete Research Project i.e Chapters 1-5, Abstract, Table of Contents, Full References, Questionnaires / Secondary Data

One of your topics suites my project, but the case study is different. What do i do?

Call Our Instant Help Desk Now: +234 814 010 7220 and you will be responded to immediately

How do i get my complete project?

Your Complete Project Material will be sent to your Email Address in Ms Word document format

Can I get my Complete Project through WhatsApp?

Yes! We can send your Complete Research Project to your WhatsApp Number

What if my Project Supervisor made some changes to a topic i picked from your website?

Call Our Instant Help Desk Now: +234 814 010 7220 and you will be responded to immediately

Do you assist students with Assignment and Project Proposal?

Yes! Call Our Instant Help Desk Now: +234 814 010 7220 and you will be responded to immediately

What if i do not have any project topic idea at all?

Smiles! We've Got You Covered. Chat with us on WhatsApp Now to Get Instant Help: +234 814 010 7220

How can i trust this site?

We are well aware of fraudulent activities that have been happening on the internet. It is regrettable, but hopefully declining. However, we wish to reinstate to our esteemed clients that we are genuine and duly registered with the Corporate Affairs Commission as "PRIMEDGE TECHNOLOGY". This site runs on Secure Sockets Layer (SSL), therefore all transactions on this site are HIGHLY secure and safe!