Okor, Antan Eso, Nchor, Agnes Ikwen, Umana, Otuekong Umana, Umaru Musa
References
Aderemi, T. A., & Akinyemi, F. (2021). Entrepreneurship training and performance of women- owned enterprises in Nigeria. Journal of Entrepreneurship and Business Development, 6(2), 45–58. Andriamahery, A., & Qamruzzaman, M. (2022). Do access to finance, technical know-how, and financial literacy offer women empowerment through women’s entrepreneurial development? Frontiers in Psychology, 12, Article 776844. https://doi.org/10.3389/fpsyg.2021.776844 Anifowose, O. L., & Chummun, B. Z. (2025). Gender, financial inclusion, and women entrepreneurship: Assessing the impact of digital financial technology on business Aninze, F. (2023). Women empowerment through microfinance and enterprise development in Nigeria [Doctoral dissertation, Birmingham City University] Adamawa State Government. (2024). Empowering women, uplifting Adamawa: Governor Fintiri unveils second phase of the Fintiri Business Wallet Initiative. https://adspc.ad.gov.ng Bourdieu, P. (1986). The forms of capital. In J. G. Richardson (Ed.), Handbook of theory and research for the sociology of education (pp. 241–258). Greenwood Press. Coleman, J. S. (1988). Social capital in the creation of human capital. American Journal of Sociology, 94, S95–S120. https://doi.org/10.1086/228943 Global Entrepreneurship Research Association. (2024). Global Entrepreneurship Monitor 2023/2024 Global Report. https://www.gemconsortium.org Ibrahim, A., & Abdullahi, M. (2023). Marketing skills and performance of women entrepreneurs in Northern Nigeria. Journal of Small Business and Entrepreneurship Development, 11(1), 67–82. International Finance Corporation. (2022). Closing the gender finance gap through the use of blended finance. World Bank Group. https://www.ifc.org/en/insights- reports/2022/closing-the-gender-finance-gap-through-blended-finance International Finance Corporation. (2024). SME finance and gender. World Bank Group. https://www.ifc.org/en/what-we-do/sector-expertise/blended-finance/sme-finance-and- gender International Labour Organization. (2022). Women in business and management: Building an inclusive entrepreneurial ecosystem. International Labour Organization. https://www.ilo.org Jatto, V. H., Vincent, P., & Tani, J. C. (2025). Effectiveness of women-specific financial empowerment initiatives in facilitating access to capital among women entrepreneurs in Nasarawa State, Nigeria. Journal of Economics and Allied Research, 10(1), 1–15. Lusardi, A., & Mitchell, O. S. (2007). Financial literacy and retirement preparedness: Evidence and implications for financial education. Business Economics, 42(1), 35–44. https://doi.org/10.2145/20070104 National Bureau of Statistics , & Small and Medium Enterprises Development Agency of Nigeria . (2021). National survey of micro, small and medium enterprises 2021. Abuja, Nigeria. Nwankwo, O., & Eze, S. (2022). Access to finance and performance of women-owned small businesses in Nigeria. International Journal of Entrepreneurship and Small Business Studies, 8(3), 120–134 Okafor, C., & Eze, P. (2024). Management skills and entrepreneurial sustainability among women- owned enterprises in Nigeria. Journal of Business Management and Economic Development, 9(2), 88–103. Organisation for Economic Co-operation and Development . (2025). Bridging the finance gap for women entrepreneurs: Nigeria—Policy insights on finance for supply chains. OECD Publishing. https://www.oecd.org Popoola, T. (2025). Scoping review of the impact of financial literacy empowerment on the growth of female entrepreneurship in Nigeria. Journal of Women’s Entrepreneurship and Education, 2025(1–2), 129–154. Rappaport, J. (1981). In praise of paradox: A social policy of empowerment over prevention. American Journal of Community Psychology, 9(1), 1–25. https://doi.org/10.1007/BF00896357 United Nations. (2015). Transforming our world: The 2030 Agenda for Sustainable Development. United Nations. https://sdgs.un.org/2030agenda World Bank. (2024). Women, Business and the Law 2024. World Bank. https://www.worldbank.org Yusuf, A., & Mohammed, A. (2024). Financial literacy and SMEs' performance in Adamawa State, Nigeria. TAA International Journal of Financial Research and Management Science, 3(2), 45–61. Yusuf, A., & Mohammed, A. (2024). Financial literacy and small business performance in Adamawa State, Nigeria. TAA International Journal of Financial Research and Management Science, 3(2), 45–61. Zimmerman, M. A. (1995). Psychological empowerment: Issues and illustrations. American Journal of Community Psychology, 23(5), 581–599.
