International records / OpenAlex research

Credit delivery and sustainability of micro‐credit schemes in Nigeria

Purpose The purpose of this paper is to examine the effects of access to credit through micro‐credit institutions on entrepreneurial performance and assesses the loan performance of public credit schemes in Nigeria in order to determine the sustainability of such schemes. Design/methodology/approach The study employed qualitative approach and exploratory perspective, using primary and secondary data obtained at beneficiary and institutional levels. Findings The loan repayment rates were generally low for many of the schemes, and this confirms the problems of public sector lending, with implica…