S.O.E.  Alakpa, E.A.  Onemolease, 
    Incorporating NGOs in Microcredit Delivery: Prospect and Challenges in Delta State, Nigeria,
    Pakistan Journal of Social Sciences,
    Volume 10,Issue 4,
    2013,
    Pages 159-165,
    ISSN 1683-8831,
    pjssci.2013.159.165,
    (https://makhillpublications.co/view-article.php?doi=pjssci.2013.159.165)
    Abstract: The study assessed the prospects and challenges of using NGOs 
  as strategy for micro-credit delivery using Shell Petroleum micro-credit scheme 
  in Delta State, Nigeria for a case study. Ten NGOs involved in the implementation 
  of the Shell micro-credit scheme were sampled. Data from 519 participants and 
  non-participants in the scheme were analysed using frequency counts, mean and 
  t-test. The study revealed that there was prospects in using NGO for micro-credit 
  delivery as the income of participants in the NGO-managed scheme (<img src="http://docsdrive.com/images/medwelljournals/pjssci/2013/img1-2k13-159-165.gif" width="13" height="12" align="absmiddle"> 
  282,895.14) was significantly higher than that of non-participants (<img src="http://docsdrive.com/images/medwelljournals/pjssci/2013/img1-2k13-159-165.gif" width="13" height="12" align="absmiddle"> 
  165,971.54). However, a number of challenges were associated with this strategy 
  namely: delay in service payment charge by the sponsoring agency, i.e., SPDC 
  (mean = 4.00), difficulty in accessing communities (mean = 3.67), poor staff 
  commitment (3.44) and failure of beneficiary group to adhere to loan management 
  guidelines (= 3.22). Closer monitoring of the beneficiary groups by the NGOs 
  and enforcement of appropriate selection criteria as well as provision of adequate 
  logistics to improve NGO&#146;s delivery was recommended.
    Keywords: credit delivery;microcredit;Non-Governmental Organisation (NGO);prospect and challenges;micro-credit delivery