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We investigate the factors that influence the selection and productivity of informal service-oriented family enterprises in Nigeria. Using nationally representative micro-data from the Nigerian General Household Survey (2010–2015), we employed random-effect probit and selectivity-adjusted regression models to estimate and analyze the results. The findings reveal that the location of informal Non-Farm Household Enterprises (NFHEs)–whether home-based or non-home-based—significantly impacts the wholesale, retail, personal, and consultancy service sectors operated by informal NFHEs. This impact remains significant even after accounting for variations in individuals, households, or locational characteristics. Furthermore, when considering selectivity in the earnings equation, we found that home-based informal enterprises exhibit lower productivity compared to non-home-based enterprises, a difference that varies across sectors. Overall, factors such as the gender of business owners, educational levels, geopolitical zones, infrastructure, and business characteristics play a crucial role in determining the locational and productivity disparities among service-oriented enterprises in Nigeria. Key recommendations stemming from this study include addressing gender-based segregation and economic disparities, prioritising financial inclusion for small business development, bridging infrastructure gaps, and implementing policies that acknowledge and bolster the informal sector.

本研究旨在探究影响尼日利亚非正式服务型家庭企业（informal service-oriented family enterprises）业态选择与经营绩效的各类因素。本研究采用具有全国代表性的尼日利亚综合住户调查（Nigerian General Household Survey, 2010–2015）微观数据，运用随机效应概率单位（random-effect probit）模型与选择性偏差调整（selectivity-adjusted）回归模型开展估计与结果分析。研究结果显示，非正式非农家庭企业（informal Non-Farm Household Enterprises, NFHEs）的经营选址——是否为居家经营——对其开展的批发、零售、个人服务与咨询服务等服务门类具有显著影响；即便在控制个体、住户与区位特征差异后，该影响依然显著。此外，在考虑收入方程的选择性偏差后，本研究发现居家经营的非正式企业的经营绩效低于非居家经营的企业，且该绩效差异因服务门类而异。总体而言，企业所有者性别、受教育水平、地理政治区域、基础设施状况以及企业自身特征等因素，是决定尼日利亚服务型企业区位选择与经营绩效差异的关键因素。本研究提出的核心政策建议包括：针对性解决性别隔离与经济失衡问题，优先推进小型企业发展所需的金融普惠服务，补齐基础设施短板，以及出台认可并扶持非正规部门发展的相关政策。