@article{MAKHILLPJSS20131047665,
    title = {Incorporating NGOs in Microcredit Delivery: Prospect and Challenges in Delta State, Nigeria},
    journal = {Pakistan Journal of Social Sciences},
    volume = {10},
    number = {4},
    pages = {159-165},
    year = {2013},
    issn = {1683-8831},
    doi = {pjssci.2013.159.165},
    url = {https://makhillpublications.co/view-article.php?issn=1683-8831&doi=pjssci.2013.159.165},
    author = {S.O.E. and},
    keywords = {credit delivery,microcredit,Non-Governmental Organisation (NGO),prospect and challenges,micro-credit delivery},
    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.}
    }