research proposal on youth empowerment

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Youth Empowerment Proposal

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Slaney Anog

The study set to find out the efficiency of KKKT and Walimu SACCOS loans on poverty reduction in respective households, to examine the trend of savings mobilization, growth and training from KKKT and Walimu SACCOS members, and to assess the operational characteristics of SACCOS in the fulfillment of the envisage functional responsibilities. A qualitative research approach will be used to reach the respondents. The target groups for this study are the SACCO‟s members and non-SACCOS members in which a sample size of 38 will be used to select 26 respondents from members and 12 from non members. Primary data will be collected by using interview, questionnaires, and observation and focused group discussion while secondary data were obtained from documentary sources such as magazine, books, newspapers, manual files and journals.

Oscar Lugumamu

Micro Credit Scheme

Elisha Manirampa

Abdinasir gedi

Kwami Hope Quao

Mukanyandwi Hyacinthe

Dr. Jazuli Lawal

ABSTRACT The study presented empirical findings on the nexus among microfinance banks, employment and income generation in Kano State, Nigeria. In Nigeria, the unemployment rate measures the number of people actively looking for a job as a percentage of the labor force. As per the report of the World Bank, the GDP at purchasing power parity of Nigeria was $170.7 billion during 2005.The secondary-school graduates consist of the principal fraction of the unemployed accounting for nearly 35% to 50%. The rate of unemployment within the age group of 20 to 24 years is 40% and between 15 to 19 years it is 31%. It is a demonstrated fact that through variations in the supply of finance, it is possible to influence the level of national income, employment, standard of living and social welfare. The importance of finance development depends upon the desired nature of development. Given the real resources, and suitable attitudes, a well-developed financial system can contribute significantly to the acceleration of economic development. Microfinance is an offshoot of the emerging trends in Nigeria. Therefore the main aim of this study is to examine the nexus among microfinance banks, employment and income generation in Kano State. Primary data were used for this study. The target population was all the microfinance banks in Kano State. The choice of the study area was based on concentration of microfinance banks. Data were collected using questionnaires from a sample of 150 customers of the microfinance banks. The selection of respondents was done using two stage stratified sampling procedures. In the first stage, three local governments with highest concentration number of microfinance banks were selected. In the second stage using systematic sampling on the list of all the microfinance banks in the selected local governments, a total of 2 microfinance banks were selected systematically from each local government area in the three LGAs in Kano State. The data collected were analyzed using appropriate descriptive statistics and inferential techniques. Specifically, logistic regression model, a binary choice technique was employed. The results showed that 88.33% of surveyed customers operating accounts with the banks sourced their initial working capital from friends, relatives and personal savings while only 12% of the respondents had access to loan from the Microfinance Banks. The results also showed that only 32.33% of the respondents have access to credit facilities, while 68.67% had no access to loans from the MFBs. The results showed further that in the first employment model, Age, Business Type and Average Monthly Income have shown positive coefficients, while Education, Marital Status, Dependents and Gender were found to be negative. While the income model has shown that, only saving culture, and awareness have positive relationship which implies people lacked saving culture. The result concluded that there is no significant linkage between the activities of microfinance banks, employment and income generation in the studied area. Perhaps the only link could have been through the provision of credit facilities to the SMEs customers and other borrowers who in turn would expand their businesses that could lead to employment and income generation. As such, the researcher recommended that, matching products to client’s needs, increase services to vulnerable non-poor households, increase individual savings opportunities, incentives and increase government support to MFBs and public awareness campaign on the activities of MFBs would assist in achieving the desired objective of microfinance banks

Archford Gandidzanwa

Nkosana Bob Nkomo

The purpose of this thesis is to explore the role of government regulation on micro-lending and the resulting impact on the borrowers in Botswana. A questionnaire was designed and distributed to 120 respondents. The respondents involved in the study consisted of Micro lending Managers, small business owners and micro lenders customers who borrow from micro lenders and had used their service for at least one year. The analysis demonstrates several key findings: data analysis reveals that government regulation has negatively affected borrowers in Botswana. The findings reveal Micro lending has significantly impacted upon individuals and small firm borrowers due to high interest rates and debt. The contribution of micro lending is significant and vital to the sustenance of their businesses, the poor and financial needy. Overall, the results showed the central role of government regulation on micro-lending and the resulting impact on the borrowers in Botswana. The research is subject to the normal limitations of survey research. The study is using data provided by Micro lending Managers, small business owners and micro lenders customers which may provide perceived and subjective measures. However, this can be overcome by using multiple methods to collect data in future studies. Interestingly, the findings here may be generalisable outside Botswana, i.e. a similar country to Botswana such as Middle Income Countries. The government should regulate the micro lending industry to encourage fair commercial agreements between micro lenders and their consumers. The findings suggest that Micro lending is a significant contribution to informal financial intermediation and a convenience to consumers and although this industry has the potential to negatively affect consumers via the exorbitant interest rate and this needs to be curbed. The study integrates correlation analysis on the effects of government regulation on the micro lending industry to identify causal effects. Very few studies have been performed in Botswana to investigate and understand this issue. Therefore, the research can make a useful contribution

Gidongo Joshua Liirra

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