The study was designed to assess the impact of NAPEP on the income and standard of
living of participants in Kogi State. Data were collected through the use of questionnaire
and analyzed using descriptive statistics and Double-Difference Estimator (DDE). The
results of the analyses revealed that majority (67%) of the participants were male while
33% were female. About 40% of the participants were of the age range of 44-53 and 62%
were married with 60% having a household size range of 5-8 persons, with about 38%
having trading as their major occupation. The mean income of NAPEP participants
increased from N106,556 before the intervention to N249,675.00 after the intervention.
Income of the non-participants increased from N98,351 before the intervention to
N120,127 after the intervention. The level of living of participant increased from N77,523
before the intervention to N233,268 after the intervention as a result of participation in
the programme. However, the mean level of living for the non-participants increased from
N94,159 before the programme intervention to N113,873 after the intervention. The mean
increase in income as well as the level of living of participants in NAPEP was significantly
different from that of non-participants at P<0.01. It was recommended that NAPEP should
be left to continue irrespective of the administration that initiated it. NAPEP should set up
a special monitoring and recovery committee to monitor the disbursed loan transactions
right from when it is disbursed to when it is due for repayment.