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All Journal J-MACC : Journal of Management and Accounting International Journal of Social Science and Religion (IJSSR)
Kamaldeen Ibraheem Nageri
Walter Sisulu University, Mthatha, South Africa
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences Other

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EFFECT OF MICRO-ENTREPRENEURSHIP ON HOUSEHOLD POVERTY LEVEL: EVIDENCE FROM NIGERIA Kamaldeen Ibraheem Nageri
J-MACC Vol 7 No 1 (2024): April
Publisher : Fakultas Ekonomi Universitas Islam Darul Ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/j-macc.v7i1.11781

Abstract

Nigeria's high rates of poverty, unemployment, and poor income continue to be a major cause of worry. Despite the implementation of various entrepreneurial efforts by government and non-governmental organizations, income remains low, which is exacerbated by the country's high percentage of young unemployment. While previous research has looked at the function of entrepreneurship in raising welfare and boosting shared prosperity, the intervening role of income in these relationships has gotten less attention, especially in the context of primary data analysis. This prompted this study to examine the impact of micro-entrepreneurship on income generation in the Ilorin, as a case study. During the investigation, data was collected at random from 430 entrepreneurs. Using cross-tabulation and the chi-square statistic. The researchers discovered a positive but inconsequential relationship between micro-entrepreneurship and revenue production. This may be explained by the fact that 42% of the 291 entrepreneurs that are regarded innovators have a modest income. The findings of this research show that when the government provides appropriate financing to stimulate entrepreneurship and the inventive spirit, it generates more income and helps to reduce poverty. The study provides data to corroborate the literature, emphasizing the favorable impact of appropriate entrepreneurial funding on revenue growth. It was shown that most of the entrepreneurs surveyed focused on the issue of insufficient funding. This has constrained entrepreneurs' creativity and innovation, forcing them to operate on a small scale with minimal profits.
EXPLORING THE NEXUS BETWEEN FINANCIAL INCLUSION AND POVERTY ALLEVIATION AMONG WOMEN SMALL BUSINESS OWNERS Kamaldeen Ibraheem Nageri
J-MACC Vol 7 No 2 (2024): Oktober
Publisher : Fakultas Ekonomi Universitas Islam Darul Ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/j-macc.v7i2.11782

Abstract

In today’s fast-evolving world, financial inclusion is a central aspect of financial innovation, making it a significant driver of financial inclusion. It remains a key concept in development policy because it plays a crucial role in reducing extreme poverty and fostering inclusive growth and development. This study investigates the effect of financial inclusion on poverty reduction among women small business owners. The paper utilizes correlation analysis and the binary logit regression technique to show the evidence based on selected samples in Tarauni Local Government, Kano State, Nigeria. The result revealed a negative yet significant association between financial inclusion and poverty alleviation. This is due to the high cost of financial services and poor financial literacy. Also, gender inequality has revealed a positive and significant relationship. Women have been deprived of certain opportunities and benefits due to cultural and social barriers. The findings call for further inquiry into the significant factors that that influence how financial inclusion impact poverty alleviation among women small business owners. The paper offers that the government should invest in financial education to promote responsible financial product use. Because some people have access to financial services but do not know how to use them efficiently. Moreso, financial institutions should be saddled with the responsibility of developing financial services specifically for low-income persons, such as micro-loans with lower interest rates and flexible repayment schedules.
UNLOCKING THE POTENTIAL OF BLENDED FINANCE MODELS FOR SME GROWTH IN SUB SAHARAN AFRICA Kamaldeen Ibraheem Nageri
J-MACC Vol 9 No 1 (2026): April
Publisher : Fakultas Ekonomi Universitas Islam Darul Ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/j-macc.v9i1.12909

Abstract

Persistent underperformance of SMEs in Sub-Saharan Africa poses a major threat to inclusive economic growth. This study examined the influence of blended finance strategies on SME growth performance, focusing on public-private investment ratio, share of concessional capital, and volume of technical assistance deployed. Using a quantitative research design and secondary data from reputable international development finance databases, the study analyzed 180 SMEs supported through blended finance frameworks between 2015 and 2024. Descriptive statistics, correlation analysis, diagnostic tests, and Ordinary Least Squares regression were conducted to evaluate the relationship between the variables. Findings revealed that all three blended finance strategies had statistically significant and positive effects on SME growth outcomes, including revenue generation, employment creation, and firm survival. Notably, technical assistance emerged as the most influential factor, followed by public-private investment ratio and concessional capital. These results confirm theoretical assumptions from the Resource-Based View and Blended Finance Theory, emphasizing the strategic role of structured financial support in enhancing SME resilience and productivity. Based on these findings, the study recommends the institutionalization of technical assistance, balanced co-financing frameworks, and targeted use of concessional capital to scale SME impact. The insights offer practical value for policymakers, donors, and investors committed to inclusive economic transformation. .
The Role of Community Engagement in Mitigating the Effects of Informal Governance and Enhancing Urban Policy Effectiveness in Contexts of Institutional Weakness in South Asia Kamaldeen Ibraheem Nageri
International Journal of Social Science and Religion (IJSSR) 2026: Volume 7 Issue 2
Publisher : Indonesian Academy of Social and Religious Research (IASRR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53639/ijssr.v7i2.415

Abstract

Urban informality and fragmented governance systems continue to shape the landscape of urban development in South Asia, posing challenges to equitable housing, infrastructure access, and inclusive policymaking. This study investigates how informal governance networks, institutional voids, and contested urban spaces interact with formal planning processes, particularly in the context of informal settlements. Using a mixed-methods approach, we draw on document analysis, elite interviews, and process tracing across three South Asian cities, Delhi, Kathmandu, and Dhaka, supplemented by data from 40 planning documents and 25 stakeholder interviews. The analytical framework integrates theories of institutional embeddedness and political informality, with qualitative comparative analysis (QCA) used to identify cross-case patterns. Findings reveal that informal institutions often fill governance voids, but also reinforce uneven power relations and selective legitimacy. Despite state-led efforts at urban upgrading and smart city planning, institutional multiplicity and lack of policy coordination undermine sustainable outcomes. The study recommends more integrated planning frameworks that recognize informal networks as co-governance partners, strengthened community participation, and reforms in inter-agency coordination. These insights offer critical implications for urban policy, especially in achieving the SDGs and inclusive development agendas across the Global South.
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