logoJackobian
  • Home
  • Materials
  • Authors
  • Blog
  • Contact Us
  • Home
  • Materials
  • Authors
  • Blog
  • Contact Us
  • Become an Author

  • Login
Become an Author


logo
  • Socials
  • Twitter
  • LinkedIn
  • Facebook
  • Instagram
  • Youtube
  • Resources
  • Materials
  • FAQs
  • Authors
  • Contact us
  • Legal
  • Terms & Condition
  • Privacy policy
google play

Get it on
Google Play

Download on the
App Store


© Jackobian 2026

BUILT BYCerebrohives
BooksUNNECO 512

In-App Reading Experiences

All books bought on the website can only be read on the app. Download Jackobian to have access to your materials

Formal Credit Markets and Entrepreneurial Discrimination in a  Developing Economy: A New Evidence from Nigeria

ECO 512: FORMAL CREDIT MARKETS AND ENTREPRENEURIAL DISCRIMINATION IN A DEVELOPING ECONOMY: A NEW EVIDENCE FROM NIGERIA

ByAnthony Orji
SchoolUniversity of Nigeria, Nsukka
DepartmentEconomics
CategoryAcademic JournalsResearch Papers
Levels100200300400500600Post Graduate
₦ 3000
Preview Book

Description

The objective of this study is to ascertain if women entrepreneurs face

discrimination in accessing formal credit in a developing economy using

Nigerian data. Adopting direct measures of credit constraint, this study could not

find any statistically significant discrimination against women in formal credit

regardless of the firm size. This is evident by the non-significance of the gender

coefficient in the probit estimations at different firm sizes as well as no

statistically significant difference found in the Fairlie decomposition of the

credit constraint by gender. The results show that medium size firms are

significantly less likely to suffer credit constraint compared to smaller firms,

while on the other hand, wood and furniture, and textile enterprises have

significantly higher probability of being credit constrained. However, even

though our results show there is no significant gender discrimination in the

formal credit markets, access to formal credit by small and medium enterprises

in Nigeria still remain very low at an average of about 29%. Thus, monetary

authorities should support credit expansion policies for medium and small

enterprises. Again, direct government involvement by the use of intervention

funds targeted at small and medium enterprises would make impact. This is

among the first studies in Nigeria to find no statistically significant difference or

discrimination by gender using Fairlie decomposition of credit constraint.