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Innovative Lending Products for Women-Led SMEs in Nigeria

flexible loans

  • Researchers:
    • Michael King, Tricia Koroknay-Palicz, Sreelakshmi Papineni and Siegfried Zottel.

  • Partners:
    • World Bank, Access Bank

  • Location:
    • Nigeria

  • Sample:
    • 6,000 clients

  • Timeline:
    • 2020-2022

  • Theme:
    • Financial Inclusion

  • Description:
    • Women entrepreneurs in Nigeria face higher barriers than men do to access finance, especially in providing traditional forms of collateral for loans, since most assets that lenders accept are typically registered to men. This impact evaluation will measure the impact of an innovative credit product designed to surmount longstanding collateral constraints faced by women entrepreneurs by using cash flow to determine credit worthiness. This study will examine how the cashflow loan product affects firm performance and productivity and changes in the owner’s household income, consumption, power relations, decision-making and standard of living. Working with one of the largest retail banks in Nigeria, this project will involve 6,000 SMEs.