Ijrcm 1 Vol 2 Issue 11 Art 9

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VOLUME NO.2(2011),ISSUE NO.11 (NOVEMBER) ISSN0976-2183

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A Monthly Double-Blind Peer Reviewed Refereed Open Access International e-Journal - Included in the International Serial Directories

Indexed & Listed at: Ulrich's Periodicals Directory, ProQuest, U.S.A., The American Economic Associations electronic bibliography, EconLit, U.S.A.,

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Circulated all over the world & Google has verified that scholars of more than Hundred & Fifteen countries/territories are visiting our journal on regular basis.

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CCCCONTENTSONTENTSONTENTSONTENTSSr.

No. TITLE & NAME OF THE AUTHOR (S)Page No.

1% ANTECEDENTS OF WORK-LIFE IMBALANCE AMONG BANK EXECUTIVES: AN EMPIRICAL STUDYS. NAZEER KHAN, DR. A. VENKATACHALAM & DR. T. VANNIARAJAN

1

2% TRANSFORMATIONAL LEADERSHIP AND INFLUENCE ON OCCUPATIONAL COMMITMENT IN INDIAN HOSPITALSDR. KENNEDY ANDREW THOMAS, DR. JOHN BRINKMAN & DR. TARA SABAPATHY

6

3% SERVICE UALITY PERCEPTIONS OF CUSTOMERS: A STUDY OF THE CUSTOMERS! OF PUBLIC SECTOR AND PRIVATE SECTOR COMMERCIALBANKS IN INDIA

K. RAMA MOHANA RAO & TEKESTE BERHANU LAKEW

13

"% SELF-ESTEEM AMONG POOR STUDENTS IN IRANARMIN MAHMOUDI

1#

$% ANALYSIS OF CUSTOMER SATISFACTION DRIVERS OF OUT PATIENT DEPARTMENT %OPD&: A CASE STUDYGOLAM MOHAMMAD FORKAN

2'

6% PERCEIVED UALITY OF SERVICES RENDERED BY COMMERCIAL BANKS: A CASE STUDY OF STATE BANK OF INDIA %SBI&( PANJAB UNIVERSITY%PU& BRANCH( CHANDIGARH( INDIA

DR. TESFATSION SAHLU DESTA

2$

#% BANK CONSOLIDATION AND SOLVENCY: THE NIGERIAN EXPERIENCEDR. MUHAMMAD AMINU ISA

3$

)% ORGANI*ATIONAL DETERMINANTS OF FIRM PERFORMANCE: A CASE OF GARMENTS MANUFACTURING FIRMS OF LAHORE( PAKISTANMUHAMMAD HASSAN & MUHAMMAD RIZWAN SALEEM SANDHU

3)

+% MICROCREDIT AND BUSINESS PERFORMANCE IN NIGERIA: THE CASE OF MFI FINANCE ENTERPRISESABIOLA BABAJIDE & TAIWO JOSEPH

"3

1'% CREDIT RISK OF THE OFF-BALANCE SHEET ACTIVITIES IN CONTEXT OF COMMERCIAL BANKING SECTOR IN THE C*ECH REPUBLIC: PRACTICALEXAMPLE

VERONIKA BUKOV

$'

11% PERCEPTION( EXPECTATION AND SATISFACTION OF CONSUMERS OF STORE BRAND APPARELS IN CHENNAI CITYK. SADASIVAN & DR. JAYSHREE SURESH

$+

12% THE RELATIVITY OF GOALS OF AN INDIVIDUAL ENTREPRENEUR BLESSED WITH VALUESSHALINI SINGH & BHUPENDRA V. SINGH

63

13% CO-INTEGRATION AND CAUSAL RELATIONSHIP BETWEEN GDP AND AGRICULTURE SECTORP. SRIKANTH & K. SATHYANARAYANA

66

1"% CONSUMERS! RESPONSIVENESS TO INTERNET MARKETING: AN EMPIRICAL STUDYSUBASH CHANDRA NATH & DR. MAHESWAR SAHU

6+

1$% JOB STRESS AT WORKPLACE: A STUDY OF STRESS LEVEL AMONG MANAGEMENT EDUCATORSRASHMI GUPTA & DR. VILAS CHOPDE

#3

16% STRATEGIES FOR CUSTOMER RETENTION , SATISFACTION IN RETAIL SECTORAJMER SINGH

#)

1#% WOMEN EMPOWERED OR DISEMPOWERED: SCENARIO IN PUNJABSANGEETA SINGH NAGAICH

)'

1)%PERCEPTION OF THE RETAIL INVESTORS TOWARDS INVESTMENT IN MUTUAL FUNDS IN PUDUCHERRY: AN EMPIRICAL STUDY

D. KANDAVEL)$

1+% JOB AND WEALTH CREATION THROUGH ENTREPRENEURSHIPHARESH BAROT & ARUN MENON

))

2'% DIVERSITY MANAGEMENT AND ORGANI*ATIONAL EFFECTIVENESS IN INDIAN ORGANI*ATIONSDR. SUSHMA SURI & MONU LAL

+1

21% CSR- AN UMBILICAL CORD RELATION WITH THE ENVIRONMENTDR. F. ANDREW SJ

+$

22% INNOVATIVE HR PRACTICESMEGHANA J

+)

23% EXTENSION EDUCATION APPROACHES OF HORTICULTURAL EXTENSION MARKETING: A VIEWJABEEN ARA BEGUM

1'3

2"% DISABILITY AND ACCESS TO HIGHER EDUCATION IN INDIAMD.HASANUZZAMAN & SHAZIA KHAN

1'#

2$% COMPARATIVE ADVERTISEMENT AND INFRINGEMENT OF TRADEMARKS

GAURAV ARORA, GUNVEER KAUR, SUPRITHA PRODATURI & VINAYAK GUPTA

111

REUEST FOR FEEDBACK 11$


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INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE , MANAGEMENTA Monthly Double-Blind Peer Reviewed Refereed Open Access International e-Journal - Included in the International Serial Directories

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CHIEF PATRONCHIEF PATRONCHIEF PATRONCHIEF PATRONPROF K K AGGARWAL

)hancellor" 2in#aya3s 4niversity" Delhi

!ounder 5ice-)hancellor" uru obind Sin#h Indraprastha 4niversity" Delhi

67% Pro 5ice-)hancellor" uru Ja0bheshwar 4niversity" +isar

PATRPATRPATRPATRONONONONSH RAM BHAJAN AGGARWAL

67% State Minister for +o0e 8 9ouris0" overn0ent of +aryana

5ice-President" Dadri 6ducation Society" )har:hi Dadri

President" )hinar Synte7 2td% ;9e7tile Mills


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DR TEJINDER SHARMAReader" =uru:shetra 4niversity" =uru:shetra

DR SAMBHAVNA!aculty" I%I%9%M%" Delhi

DR MOHENDER KUMAR GUPTAAssociate Professor" P% J% 2% $% overn0ent )olle#e" !aridabad

DR SHIVAKUMAR DEENEAsst% Professor" overn0ent !% % )olle#e )hit#uppa" Bidar" =arnata:a

MOHITA!aculty" /a0una Institute of 6n#ineerin# 8 9echnolo#y" 5illa#e adholi" P% O% adhola" /a0unana#ar

ASSOCIATE EDITORSASSOCIATE EDITORSASSOCIATE EDITORSASSOCIATE EDITORSPROF NAWAB ALI KHAN

Depart0ent of )o00erce" Ali#arh Musli0 4niversity" Ali#arh" 4%P%

PROF ABHAY BANSAL+ead" Depart0ent of Infor0ation 9echnolo#y" A0ity School of 6n#ineerin# 8 9echnolo#y" A0ity 4niversity" $oida

DR KUMARDATT A GANJREDirector" Mandar 6ducation Society3s >Ra1ara0 Shinde )olle#e of M%B%A%3" Pedha0be , ('' ?'@" Maharashtra

DR V SELVAMDivisional 2eader , )o00erce SS2" 5I9 4niversity" 5ellore

DR N SUNDARAMAssociate Professor" 5I9 4niversity" 5ellore

DR PARDEEP AHLAWATReader" Institute of Mana#e0ent Studies 8 Research" Maharshi Dayanand 4niversity" Rohta:

S TABASSUM SULTANAAsst% Professor" Depart0ent of Business Mana#e0ent" Matrusri Institute of P%% Studies" +yderabad

TECHNICAL ADVISORTECHNICAL ADVISORTECHNICAL ADVISORTECHNICAL ADVISORAMITA

!aculty" overn0ent +% S%" Mohali

MOHITA!aculty" /a0una Institute of 6n#ineerin# 8 9echnolo#y" 5illa#e adholi" P% O% adhola" /a0unana#ar

FINANCIAL ADVISORSFINANCIAL ADVISORSFINANCIAL ADVISORSFINANCIAL ADVISORSDICKIN GOYAL

Advocate 8 9a7 Adviser" Panch:ula

NEENAInvest0ent )onsultant" )ha0ba#hat" Solan" +i0achal Pradesh

LEGAL ADVISORSLEGAL ADVISORSLEGAL ADVISORSLEGAL ADVISORSJITENDER S CHAHAL

Advocate" Pun1ab 8 +aryana +i#h )ourt" )handi#arh 4%9%

CHANDER BHUSHAN SHARMAAdvocate 8 )onsultant" District )ourts" /a0unana#ar at Ja#adhri

SUPERINTENDENTSUPERINTENDENTSUPERINTENDENTSUPERINTENDENTSURENDER KUMAR POONIA


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CALL FOR MANUSCRIPTSCALL FOR MANUSCRIPTSCALL FOR MANUSCRIPTSCALL FOR MANUSCRIPTS

einvite unpublished novel" ori#inal" e0pirical and hi#h uality research wor: pertainin# to recent develop0ents 8 practices in

the area of )o0puter" Business" !inance" Mar:etin#" +u0an Resource Mana#e0ent" eneral Mana#e0ent" Ban:in#" Insurance"

)orporate overnance and e0er#in# paradi#0s in allied sub1ects li:e Accountin# 6ducationC Accountin# Infor0ation Syste0sC

Accountin# 9heory 8 PracticeC Auditin#C Behavioral Accountin#C Behavioral 6cono0icsC )orporate !inanceC )ost Accountin#C6cono0etricsC 6cono0ic Develop0entC 6cono0ic +istoryC !inancial Institutions 8 Mar:etsC !inancial ServicesC !iscal PolicyC

overn0ent 8 $on Profit Accountin#C Industrial Or#ani*ationC International 6cono0ics 8 9radeC International !inanceC Macro

6cono0icsC Micro 6cono0icsC Monetary PolicyC Portfolio 8 Security AnalysisC Public Policy 6cono0icsC Real 6stateC Re#ional

6cono0icsC 9a7 Accountin#C Advertisin# 8 Pro0otion Mana#e0entC Business 6ducationC Business Infor0ation Syste0s ;MIS4950&%

DEAR SIR@MADAM

Please find 0y sub0ission of 0anuscript titled >FFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFF3 for possible publication in your 1ournal%

I hereby affir0 that the contents of this 0anuscript are ori#inal% !urther0ore" it has neither been published elsewhere in any lan#ua#e fully or partly"

nor is it under review for publication anywhere%

I affir0 that all author ;s< have seen and a#reed to the sub0itted version of the 0anuscript and their inclusion of na0e ;s< as co-author ;s


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Residential address with Pin )odeE

Mobile $u0ber ;s


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MICROCREDIT AND BUSINESS PERFORMANCE IN NIGERIA: THE CASE OF MFI FINANCE ENTERPRISES

ABIOLA BABAJIDE

LECTURER

DEPARTMENT OF BANKING AND FINANCE

COLLEGE OF BUSINESS AND SOCIAL SCIENCES

COVENANT UNIVERSITYP.M.B 1023, OTA, OGUN STATE, NIGERIA

TAIWO JOSEPH

FACULTY

DEPARTMENT OF BANKING AND FINANCE

COLLEGE OF BUSINESS AND SOCIAL SCIENCES

COVENANT UNIVERSITY

P.M.B 1023, OTA, OGUN STATE, NIGERIA

ABSTRACTTh! "#"$% '$!()#($! (h$ *"#+( - *+%+%$( /# 01!$!! "$%-%*#+$ - M+%-#+$ I!((1(! 2MFI3 -#+$ *+%$($%"%!$! N)$%#. A

*+%$($%"%!$ %$-$%! ( # '1#/ 01!$!! (h#( +!!(! - /$!! (h# -'$ $*"/4$$! # ! )$$%#//4 %)#5$ #! # !/$ "%"%$(%!h" % -#*/4 01!$!!.Th$ 06$+('$ - (h$ !(14 7#! ( $8#*$ (h$ $--$+(! - *+% +%$( !$'$%#/ 01!$!! "$%-%*#+$ +%($%# - MFI +/$(!. D#(# -% (h$ !(14 7#! $%'$ -%*0(h "%*#%4 # !$+#%4 !1%+$!. F%!(, # !1%'$4 - MFI # $(%$"%$$1% 9 +/$(! 7$%$ 1$%(#:$ 1!) !*"/$ %#* !#*"/) ($+h;1$ ( !$/$+( 1%%$!"$(, (h! 7#! /:$ ( #(# $8(%#+($ -%* (h$ %$+%! - MFI ( -%* # "#$/ #(#. Th$ #(# 0(#$ 7#! ##/45$ 1!) *1/("/$ %$)%$!! ##/4!!.Th$ -) %$'$#/! # "!('$ %$/#( 0$(7$$ *+%+%$( # "%-( - (h$ *+%$($%"%!$. Th$ !(14 %$+**$! # 7$% +'$%#)$ - *+%-#+$ (h%1)h$--$+('$ *"/$*$(#( - *+%


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stability in the country and e7pand the financial infrastructure of the country to 0eet the financial reuire0ents of the Micro" S0all and Mediu0 6nterprises

;MSM6s< ;)B$" G''.


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viability in s0all businesses and enterprises% 9herefore" social capital see0s to enhance efficiency and lon# ter0 survival in s0all fir0s throu#h the alleviation of

financial and non-financial constraints of s0all fir0s ;Be:ele 8 Qe:ele" G''>outsiders33 can be e7cluded fro0 essential business transactions"

such as credit" with detri0ental i0pacts on enterprise perfor0ance ;Barrett" G''C Bi##s 8 Shah" G''@


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ANALYSIS OF RESULTS AND DISCUSSION9his section provides the e0pirical findin#s fro0 the study% It provides de0o#raphic infor0ation of the respondents and the statistical analysis of the

infor0ation collected fro0 the0% 9his is followed by the interpretation and discussion on findin#s%

PROFILE OF RESPONDENTS

9able & below provides infor0ation on socio econo0ic profile of the correspondents% 9he 9able shows that G?( ;@%(< of the respondents are fe0ale" while (

;&%@< are 0ales% 9his confir0s result obtained fro0 past studies that 0ost beneficiaries of 0icrofinance are fe0ale% ith respect to a#e distribution of the

respondents" the table shows that . ;&%G< of the respondents are within the a#e #roup G' , G years% &.@ ;(%G< are within the a#e #roup of '- years"

;G@%&< are within the a#e #roup of (' - ( years" while the re0ainin# G' ;@%< are above .' years of a#e% 9his is an indication that 0ost of the respondents

were within the econo0ic active a#e #roup% e also classified the respondents in ter0s of their level of education" because this could affect the way they live

and 0ana#e their businesses ;Ma:asure et al%" G''


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TABLE 2: BUSINESS CHARACTERSITIC OF RESPONDENTS

V.8. F84?4/90

Y4.8 B?/4 E.4 5 B?/4

9radin# &( (@%?

Artisan . G%&Manufacturin# G %

A#riculture & %

Service .& &@%&

T.< 31# 1''

F8 5 B?/4

Sole ownership G?@ ?%&

!a0ily Business G ?%

Partnership G%.

Other type &' %G

T.< 31# 1''

S?894 5 I/.< C.>.

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Ijrcm 1 Vol 2 Issue 11 Art 9