International records / OpenAlex research

Financial Regulation: Treatment or Threat? A Review of Microfinance Banking in Nigeria

This study investigates the effect of financial regulation on the performance of microfinance banks in Nigeria, focusing on capital adequacy regulation, risk management regulation, and supervisory policies. Microfinance banks play a critical role in financial inclusion and poverty alleviation; however, stringent regulatory frameworks may simultaneously enhance institutional stability and constrain outreach. Employing an ex-post facto research design, the study analyzed secondary data from selected national and state microfinance banks over a six-year period. The independent variables included …