Innovative Lending Products for Women-Led SMEs 2021 - Nigeria

Abstract
---------------------------

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. The Nigeria We-Fi project aims to address key constraints faced by women in the access to credit by facilitating the development and delivery of innovative credit products and supporting capacity building for women-led SMEs.

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. It will also measure the impact of tailored outreach campaigns by banks to reach women entrepreneurs. Since evidence of the impact of large, flexible-collateral loans for women entrepreneurs is limited globally, this innovative pilot also has the potential to inform broader We-Fi programming and credit interventions for women entrepreneurs.

As part of a proof-of-concept pilot study, this baseline survey was conducted from August – December 2021 on a sample of 214 business owners across four states in Nigeria: Abuja, Lagos, Oyo, and Port Harcourt.

The instrument was designed to collect enterprise and household level data from the sampled male and female enterprise owners that have been approved for a cashflow based loan at their place of business. Survey topics include (i) household demographics, (ii) business activities and ownership, (iii) access to finance (iv) entrepreneurs’ characteristics, and (v) intra-household dynamics.

Geographic coverage
---------------------------

Nigeria: Abuja, Lagos, Oyo and Port Harcourt states

Analysis unit
---------------------------

Households, individuals, and enterprises in Abuja, Lagos, Oyo and Port Harcourt states of Nigeria.

Kind of data
---------------------------

Sample survey data [ssd]

Sampling procedure
---------------------------

The baseline sample is comprised of 214 enterprise owners within Abuja, Lagos, Oyo, and Port Harcourt states in Nigeria. In partnership with Access Bank PLC, the sample was defined by identifying Access Bank business banking customers who had recently applied and were pre-approved for a Cashflow business loan. Baseline surveys were conducted on a rolling basis, as newly approved Cashflow business loans were being processed by account officers and credit analysts.

Mode of data collection
---------------------------

Face-to-face [f2f]

Research instrument
---------------------------

The data consists of responses from SME owners to questions pertaining to (i) business ownership and firm performance; (ii) access to finance; (iii) noncognitive skills; (iv) women empowerment and intra-household bargaining; and (v) individual and household income. The questionnaire is provided for download.

摘要
---------------------------
尼日利亚的女性企业家相较于男性，在获取融资方面面临更高的门槛，尤其是在提供传统形式的抵押品以获取贷款时，因为大多数贷款机构接受的资产通常登记在男性名下。尼日利亚We-Fi项目旨在通过促进创新信贷产品的开发和交付，以及支持女性领导的小微企业能力建设，来解决女性在获取信贷方面所面临的关键约束。
本次影响评估将测量一种旨在克服女性企业家长期面临的抵押品约束的创新信贷产品的效果，该产品通过现金流来确定信贷资质。它还将测量银行针对女性企业家量身定制的宣传活动的效果。鉴于全球范围内关于大型、灵活抵押品贷款对女性企业家影响的研究证据有限，这一创新试点研究也有潜力为更广泛的We-Fi项目规划和针对女性企业家的信贷干预措施提供信息。
作为一项概念验证试点研究的一部分，本次基线调查于2021年8月至12月对尼日利亚四个州（阿布贾、拉各斯、奥约和港务河）的214位企业主进行了抽样调查。
本调查工具旨在收集样本中已获得现金流贷款的男性和女性企业主的企业和家庭层面数据。调查内容包括：（一）家庭人口统计学；（二）商业活动和所有权；（三）融资获取；（四）企业家特征；（五）家庭内部动态。
地理覆盖范围
---------------------------
尼日利亚：阿布贾、拉各斯、奥约和港务河四个州。
分析单元
---------------------------
尼日利亚阿布贾、拉各斯、奥约和港务河四个州的居民、家庭和企业。
数据类型
---------------------------
样本调查数据 [ssd]
抽样程序
---------------------------
基线样本由尼日利亚阿布贾、拉各斯、奥约和港务河四个州的214位企业主组成。与Access Bank PLC合作，通过识别最近申请并已获得现金流商业贷款预批准的Access Bank商业银行客户来定义样本。基线调查以滚动方式进行，因为新的现金流商业贷款正在由账户官员和信贷分析师处理。
数据收集方式
---------------------------
面对面 [f2f]
研究工具
---------------------------
数据包括中小企业主对以下问题的回答：（一）企业所有权和公司绩效；（二）融资获取；（三）非认知技能；（四）女性赋权和家庭内部协商；（五）个人和家庭收入。问卷已提供下载。