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首页> 外文期刊>International Journal of Rural Management >Microfinance Banks and Rural Development: The Nigeria Experience
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Microfinance Banks and Rural Development: The Nigeria Experience

机译：小额信贷银行与农村发展：尼日利亚的经验

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The Central Bank of Nigeria (CBN) launched the microfinance banking scheme on December 2005 as part of government strategies to achieve one of the cardinal agendas of the Millennium Development Goals (MDGs) of reducing extreme poverty by 2015. The microfinance banks (MFBs) were promoted to provide financial services to the economically active poor in the society and to create an environment of financial inclusion to boost the capacity of micro, small and medium enterprises that abound in our rural areas. The impact of the MFBs in rural development in Nigeria was empirically evaluated in this stud)* using some performance indicators. These include growth in deposit mobilization, aggregate credit extension, loan per rural person (LPRP), total assets of MFBs, etc. The ordinary least square econometrics was used to generate the regression coefficients and other statistics. Data for the study were gathered from the Annual Report and Accounts published by the MFBs and collated and analyzed by the CBN inthe Statistical Bulletins. The impetus for the study was largely derived from the renewed interest in microfinancing by the World Bank, International Development Institutions, the Nigerian Government and other International Development Partners. The results of the study show that MFBs have impacted positively on our rural economy. The regression coefficients for all the key factors analyzed in the research were positive though not statistically significant. This means that the full impact possibilitiesof these institutions as catalyst for rural development are yet to be realized. The findings alsoprovide significant support to the rationale earlier canvassed by the CBN for the recent re-engineering of the various microfinance institutions in the country in order to improve their impact possibilities. The researchers noted that the recent re-engineering and retooling of the MFBs scheme is one step in the right direction and recommends that government should provide key infrastructures especially electricity and ensure stable macroeconomic environment to enable micro and other business enterprisesto thrive in the country.
机译：尼日利亚中央银行（CBN）于2005年12月启动了小额信贷银行计划，作为政府战略的一部分，以实现到2015年减少极端贫困的千年发展目标（MDG）的主要议程之一。小额信贷银行（MFB）是促进向社会中从事经济活动的穷人提供金融服务，并创造金融普惠环境，以提高农村地区到处都有的微型，中小型企业的能力。本研究使用经验指标评估了MFB对尼日利亚农村发展的影响*。其中包括存款动员量的增长，总信贷扩展，每位农村居民的贷款（LPRP），MFB的总资产等。使用普通最小二乘计量经济学法来生成回归系数和其他统计数据。这项研究的数据来自MFB发布的年度报告和账目，并由CBN在统计公告中进行整理和分析。该研究的推动力主要来自世界银行，国际开发机构，尼日利亚政府和其他国际发展伙伴对小额信贷的重新关注。研究结果表明，最惠国待遇对我国农村经济产生了积极影响。本研究中分析的所有关键因素的回归系数均为正值，尽管无统计学意义。这意味着这些机构作为农村发展催化剂的全部影响可能性尚未实现。这些发现也为CBN先前提出的关于近期重新设计该国各种小额信贷机构以改善其影响可能性的理由提供了重要支持。研究人员指出，最近对MFBs计划进行的重新设计和重组是朝正确方向迈出的一步，并建议政府应提供关键基础设施（尤其是电力）并确保稳定的宏观经济环境，以使微型企业和其他商业企业在该国蓬勃发展。

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