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BUSINESS MODEL AND ORGANISATIONAL PERFORMANCE OF MICROFINANCE BANKS IN OYO STATE, NIGERIA

Authors: BINUYO Adekunle

Publication Type: Journal article

Journal: Global Scientific Journals

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Abstract

Microfinance emerged as the provision of financial services to clients outside the mainstream financial system. it provides small-scale financial services to marginalized clients and also serves as an effective tool for financing microentrepreneurs through group lending, progressive lending, regular repayment schedules and collateral substitutes. However, this sector faces a huge challenge that threatened its core asset and survival. For instance, more than 438 Microfinance Banks (MFBs) license has been revoked by the Central Bank of Nigeria (CBN) since 2010 due to the considerable changes in competitive conditions during the last two decades which have made the markets more dynamic, more competitive and, above all, more complex. Companies now compete not only through products and services, but through the business model. Therefore, this study investigated the effect of Business Model Dimensions on Portfolio Quality of MFBs in Oyo state, Nigeria. An Ex Post Facto research design was adopted for the study. The population comprised of 23 licensed MFBs in Oyo state as at February 2018 which had been in operations since 2010. The sample size (5 MFBs) was determined by Krejcie and Morgan’s formula. Secondary data which were sourced from the annual reports of the MFBs for the period 2011 to 2017 was used for this study. Data were analyzed using both descriptive and inferential statistics (simple and multiple regression analysis). Findings revealed that Business Model Dimensions had joint significant effect (F(3, 26) = 3.523033, p<0>

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BINUYO,A. . (2020). BUSINESS MODEL AND ORGANISATIONAL PERFORMANCE OF MICROFINANCE BANKS IN OYO STATE, NIGERIA, 8 (), 1222-1222.

BINUYO,A. . "BUSINESS MODEL AND ORGANISATIONAL PERFORMANCE OF MICROFINANCE BANKS IN OYO STATE, NIGERIA" 8, no (), (2020): 1222-1222.

BINUYO,A. and . (2020). BUSINESS MODEL AND ORGANISATIONAL PERFORMANCE OF MICROFINANCE BANKS IN OYO STATE, NIGERIA, 8 (), pp1222-1222.

BINUYOA, . BUSINESS MODEL AND ORGANISATIONAL PERFORMANCE OF MICROFINANCE BANKS IN OYO STATE, NIGERIA. 2020, 8 ():1222-1222.

BINUYO,Adekunle , . "BUSINESS MODEL AND ORGANISATIONAL PERFORMANCE OF MICROFINANCE BANKS IN OYO STATE, NIGERIA", 8 . (2020) : 1222-1222.

B.Adekunle , "BUSINESS MODEL AND ORGANISATIONAL PERFORMANCE OF MICROFINANCE BANKS IN OYO STATE, NIGERIA" vol.8, no., pp. 1222-1222, 2020.

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