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All Journal International Journal of Education, Management, and Technology
Ussaini, Danjuma Tsintop
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Computer Science & IT Education Electrical & Electronics Engineering Engineering Materials Science & Nanotechnology

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Impact of Small and Medium Scale Enterprises (SMEs) Financing on Poverty Reduction in Nigeria Rimamnde, Rikwentishe; Ussaini, Danjuma Tsintop; Adamu, Samuel Mbah
International Journal of Education, Management, and Technology Vol 4 No 1 (2026): International Journal of Education, Management, and Technology
Publisher : Darul Yasin Al Sys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/ijemt.v4i1.8645

Abstract

Although financing for small and medium-scale enterprises (SMEs) is widely regarded as a mechanism for promoting inclusive development, empirical evidence on its contribution to poverty reduction in Nigeria remains mixed. This study examines the impact of SMEs financing on poverty reduction in Nigeria using time-series secondary data spanning 1992 to 2023. To ensure the reliability of the estimates, the data were first tested for stationarity using the Augmented Dickey-Fuller (ADF) unit root test. The study further employed the Autoregressive Distributed Lag (ARDL) bounds testing approach to examine the long-run relationship and the effects of Deposit Money Banks’ (DMBs) financing to SMEs, agricultural businesses, and manufacturing businesses on poverty reduction. The ARDL bounds test confirmed the existence of a long-run relationship between SMEs financing and poverty reduction in Nigeria. The long-run ARDL estimates showed that financing to SMEs exerted a negative but statistically insignificant effect on poverty reduction. In contrast, DMB financing to agricultural and manufacturing businesses had a positive and statistically significant effect on poverty reduction. The study concludes that although general SME financing has not significantly reduced poverty, targeted financing to the agricultural and manufacturing sectors has greater potential to improve poverty outcomes in Nigeria. These findings contribute to the understanding of sector-specific financial interventions and imply that strengthening credit-information infrastructure, expanding credit guarantees, prioritizing lending to productive sectors, maintaining single-digit interest rates, and improving the efficiency of financial delivery systems are essential for enhancing the poverty-reduction impact of bank financing.
INNOVATION MANAGEMENT CAPABILITIES AND ORGANIZATIONAL RESILIENCE AS A PREREQUISITE FOR SUSTAINABILITY OF SMES IN WUKARI NIGERIA Yinduwa, Ikyabo Anatasia; Ussaini, Danjuma Tsintop; Philip, Undie Unung; Jordan, Kungaba
International Journal of Education, Management, and Technology Vol 4 No 1 (2026): International Journal of Education, Management, and Technology
Publisher : Darul Yasin Al Sys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/ijemt.v4i1.8646

Abstract

Although SMEs are widely recognized as drivers of economic growth, employment generation, and sustainable development, their long-term viability in semi-urban and rural contexts remains underexamined. This study investigates the influence of innovation management capabilities and organizational resilience on the sustainability of SMEs in Wukari Local Government Area, Taraba State, Nigeria. Using a survey research design, data were collected from 152 SME owners and managers and analyzed through regression analysis. The findings indicate that innovation management capabilities significantly improve SME sustainability (β = 0.642, p < 0.001), accounting for 37.8% of the variance, while organizational resilience also exerts a strong positive effect (β = 0.587, p < 0.001) on long-term business viability. The results further show that SMEs in Wukari rely primarily on product innovation and anticipatory resilience, but remain relatively weak in process innovation, service innovation, and adaptive resilience. Consistent with the Resource-Based View and Dynamic Capability perspectives, the study demonstrates that internally developed capabilities are critical for sustaining SMEs in dynamic and resource-constrained environments. It concludes that SME sustainability in Wukari depends not only on strengthening innovation capacity but also on enhancing more adaptive and transformative forms of resilience. This study contributes to the SME sustainability literature by providing context-specific evidence from a semi-urban Nigerian setting and by identifying strategic priorities for SME owners, policymakers, and financial institutions seeking to improve innovation support and risk-management capacity.
Co-Authors Adamu, Samuel Mbah Jordan, Kungaba Philip, Undie Unung Rimamnde, Rikwentishe Yinduwa, Ikyabo Anatasia