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Is Demographic Characteristics an Important Factor in Microfinance Operations?

Osawe Anthony Ikhide, Ekhorutomwen Abel Asemota,


This study examined the demographic characteristic in microfinance delivery in Nigeria with Lift above Poverty Organization (LAPO) as a case study. Microfinance programs have received increasing attention over the decades, despite the wide publicity given to the democratic characteristics; there still exist diverse results on its capacity to reduce poverty. The objective of this paper is to determine how the demographic characteristics of LAPO affect poverty status of the respondents. This study, adopted a non-experimental design by constructing counterfactual that involved the use of treatment and control groups. Both group was selected based on the organization’s eligibility criteria which is the poverty assessment score as the baseline data at their entry point. Respondents were selected through multi-stage sampling from Edo and Delta States, Nigeria. The data collected were analyzed through descriptive and logistics regressions. The result indicated that the four explanatory variables (age, education, gender and household size) used were significant. The study recommended that rural community and women (age 3–50) should be given attention in microfinance activities and that it is important to pay attention to the negative relationship between gender and inequalities in developing societies as women are more focused in income generating activities. Key Words: Microfinance, Poverty, Credit, Impact, Household.

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