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首页> 外文期刊>Open Access Library Journal >A Common Database for Clients and Its Effect on Loan Default in Microfinance Bank Operations: An Outlook of Microfinance Banks in Yola, Adamawa State, Nigeria
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A Common Database for Clients and Its Effect on Loan Default in Microfinance Bank Operations: An Outlook of Microfinance Banks in Yola, Adamawa State, Nigeria

机译：小额信贷银行业务客户通用数据库及其对贷款违约的影响：尼日利亚阿达马瓦州约拉的小额信贷银行展望

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Background: In their quest to address poverty and uneven income and wealth distribution often attributed to low economic growth performance and low labour returns amongst others, the governments of the developing countries through their respective central banks came up with the micro-finance policies. In Nigeria, the central bank came up with a policy in 2004, which aims to give micro, small and medium enterprises access to informal financial services to boost their capacity towards economic growth and development. While this policy has reduced the level of poverty among the low-income populace, the operations of the microfinance institutions are receiving increasing threats from the beneficiaries, especially loan default, which is often as a result to multiple borrowing. Methods: A cross-sectional study using a mixed method approach was adopted for the study. The questionnaires were distributed to eligible persons and the responses an-alysed using SPSS version 24 and a simple Microsoft Excel. The respondents were clients from three randomly selected microfinance institutions in Yola, Adamawa State, Nigeria. Results: The outcome of this study has shown that while about 66% multiple borrowing incidences from various microfinance institutions were very high, 91.43% and 77.14% of the respondents believed that multiple borrowing and loan default, respectively, could be prevented through the use of a common database. Conclusion: It is recommended that microfinance banks and institutions should invest in implementing a common database for managing client requirements and minimizing concurrent borrowing and loan defaults.
机译：背景：发展中国家政府在寻求解决贫困，收入增长不均和财富分配不均等问题时，往往归因于经济增长表现不佳和劳动报酬低等，它们通过各自的中央银行提出了小额信贷政策。在尼日利亚，中央银行于2004年提出了一项政策，旨在使微型，中小型企业获得非正式金融服务，以增强其经济增长和发展的能力。尽管这项政策减少了低收入人群的贫困水平，但小额信贷机构的运作正日益受到受益者的威胁，尤其是贷款违约，这通常是多重借贷的结果。方法：采用混合方法方法进行横断面研究。问卷已分发给符合条件的人员，并使用SPSS 24版和简单的Microsoft Excel对答复进行了分析。受访者是来自尼日利亚阿达玛瓦州约拉的三个随机选择的小额信贷机构的客户。结果：这项研究的结果表明，虽然来自各个小额信贷机构的多重借贷发生率约为66％，但91.43％和77.14％的受访者认为，可以通过使用分别防止多重借贷和贷款违约。通用数据库。结论：建议小额信贷银行和机构应投资实施一个通用数据库，以管理客户需求并最大程度地减少同时发生的借贷和违约事件。

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