References
Abdullah, R., & Ismail, A. G. (2014). Al-Tawhid in relation to the economic order of microfinance institutions. Humanomics, 30, 325-348. Acha, I.A. (2012). Microfinance banking in Nigeria: Problems and prospects. International Journal of Finance and Accounting, 1(5): 106-111. Ademola E. A and Arogundade, K. (2014). The Impact of Microfinance on Economic Growth in Nigeria, Journal of Emerging Trends in Economics and Management Sciences, 5(5), 397-405. Ademu, W. A. (2012). Finance for the poor: An assessment of the performance of microfinance institutions in Nigeria, An International Multidisciplinary Journal, 6(2), 312-325. Afolabi, M. O. (2012). Growth effect of small and medium enterprises (SMEs) financing in Nigeria. Journal of African Macroeconomic Review, 3(1) Agba, A. M. O, &Ushie, M. A., Bassey, A. O. &Agba, M. S. (2009). Human Development Trend in Nigeria: The Need for Concrete Implementation of the Seven Point Agenda. Nigerian Journal of Social Development, 6 (1), 15-28. Akeria, B. (2019). Impact analysis of microfinance in Nigeria. International Journal of Economics and Finance, 3(4), 217-225. Akcha, A. M. O and Ajiyi, S. (2009). Microfinance credit scheme and poverty reduction among low-income workers in Nigeria, Journal of Good Governance and Sustainable Development in Africa, 2(1), 1-13. Akpan, E.S. and NnejI, I.D. (2015). Contribution of microfinance banks to the development of small and medium scale enterprises in Nigeria. Research Journal of Finance and Accounting, 6(8), 19-28. Apere, T. O. (2016). The impact of microfinance banks on economic growth in Nigeria. International Journal of Academic Research in Economics and Management Sciences 2016, 5(4), 53-61. Ashamu, S.O. (2014). The impact of microfinance on small scale business in Nigeria. Journal of Policy and Development Studies, 9(1); 12-19 Barr, M.S. (2005). Microfinance and financial development. Law and Economics Working. Mediterranean Journal Of Social Sciences, 4(1.1); 15-21. Barr, M.S. (2015). Effect of microfinance banks on micro, small and medium scale enterprises. Advance Journal of Management and Applied Economics, 3(1); 95- 114. Berger, A.N. &Udelli, G.F. (1998). The economics of small business finance: The roles of private equity and debts markets in the financial growth circle. Journal of Banking and Finance, 9(22); 873-897. Central Bank of Nigeria (C.B.N). (2010). A Summary of the Microfinance Policy Framework for the Establishment of Microfinance Banks (MFBs) in Nigeria. Abuja: C.B.N Bullettin Central Bank of Nigeria (2005): Guidelines for microfinance banks in Nigeria. Retrieved from www.cenbank.org Chew, B. C., Tan, L. H., & Hamid, S. R. (2016). Ethical banking in practice: a closer look at the co-operative bank UK plc. Qualitative Research in Financial Markets, 8, 70- 91. Chowdhury, Omar Heider (1991) ‘Human Development Index: A Critique.’ The Bangladesh Development Studies, 19(3). 125-7. Dasgupta, S. (2006). Indoor air quality for poor families: New evidence from Bangladesh, Development Research Group, World Bank Publications, 16(6), 426–444. Dauda, R. O. S. (2007). The Role of Community Banking System In Nigeria’s Development Process: An Appraisal. Journal of Banking, 2(1) 82-103. Ele, L. E. & Orji, J. O. (2023) Financial Inclusion and Economic Growth in Nigeria (1991- 2021). Asian Journal of Economics and Finance, 5(2): 159-174 Ezike, J.E and Abu, A.N. (2012). The role and sustainability of microfinance banks in reducing poverty and development of entrepreneurship in urban and rural areas in Nigeria. International Journal of Business Administration, 3(3); 33-40 Ehigiamusoe, E. O. (2005). Micro Credit; Tool for Poverty Alleviation. A Lead paper Presented at the 12th Annual LAPO Development Forum in Benin City, 17th October, Gujarati, D.N. et al. (1998). Basic Econometrics (5thed.). New York: McGraw-Hill Publishing Company. pp. 780-808 Fischer, O. (1993). The impact of credit risk on financial performance of commercial banks in Kenya. DBA African Management Review, 3 (1), 22-37. Hyeladzira, Y. A (2021). Access to microfinance banks’ facilities and poverty reduction in Kano State, Nigeria, European Journal of Business and Management, 7(35), 59-65, Khander, S. (1998).Fighting Poverty Micro Credit Dhaka. Bangladesh: University Press Ltd. Koutsoyiannis A. (1997). Theory of Econometrics, Second Edition, Palgrave, New York. Lawal, A. (2010).Small and Medium Scale Enterprises' Access to Commercial Banks Creditis and their Contribution to GDP in Nigeria. Journal of Banking and Finance ,4,(1), 143- Mordi E. (2006).Conceptual Analysis of Determinants of Entrepreneurship: A South African Perspective, Problems and Perspectives in Management, Journal of Management and Finance 5(1), 95-102 Ndekuu, I. (2013).Microfinance Institutions and the Development of Micro, Small and Medium Scale Enterprises in Imo State. Africa Journal of Social and Behavioural Science,6(5), 45-56 Nwachukwu, A. (2012). The Role of Entrepreneurship in Economic Development:The Nigerian Perspective. European Journal of Business Management, 4,(8),96- 110. Okongwu, D. &., &Saleh, U. (2004). Fundamental Issues in Entrepreneurship.Lagos: Apex Books Limited. Omotosho, F.T; Doguns, O.A (2013). Empirical study of the impact of microfinance bank on small and medium growth in Nigeria. International Journal of Academic Research in Economics and Management Sciences, 2(6),116-124. Omotosho, F.T. Abayomi, Y. I (2019). Microfinance banks and rural development in Nigeria (2007-2012), International Journal of Capacity Building in Education and Management 2(1), 55-67. Orok, F.T., Patrick, O.A. (2020). Empirical study of the impact of microfinance banks on small and medium growth in Nigeria. International Journal of Academic Research in Economics and Management Sciences, 2(6); 2226-3624. Osiogba, O., and Onurah, J (2012). Challenges of microfinance access in Nigeria: Implications for entrepreneurship development, Mediterranean Journal of Social Sciences, 4(6), 611-618 Razazadehkarsalari, G.,Haghoni, R. and Begroznia, M. (2011). Outreach and financial performance of microfinance institution in case of SekaCokorsaWoreda of Jimma zone, Global Journal Management and Business Research 14(4),203-215
