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Innovative Lending Products for Women-Led SMEs 2021
Proof-of-concept Pilot Study Baseline Survey

Nigeria, 2021
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Reference ID
NGA_2021_WEFI-BL_v01_M
Producer(s)
Sreelakshmi Papineni, Tricia Koroknay-Palicz, Siegfried Zottel
Metadata
Documentation in PDF DDI/XML JSON
Study website
Created on
Aug 28, 2024
Last modified
Aug 28, 2024
Page views
6145
Downloads
79
  • Study Description
  • Data Dictionary
  • Downloads
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  • Identification
  • Version
  • Coverage
  • Producers and sponsors
  • Sampling
  • Survey instrument
  • Data collection
  • Depositor information
  • Data Access
  • Disclaimer and copyrights
  • Metadata production
  • Identification

    Survey ID number

    NGA_2021_WEFI-BL_v01_M

    Title

    Innovative Lending Products for Women-Led SMEs 2021

    Subtitle

    Proof-of-concept Pilot Study Baseline Survey

    Abbreviation or Acronym

    WE-Fi 2021

    Country
    Name Country code
    Nigeria NGA
    Study type

    Enterprise Survey [en/oth]

    Abstract

    Women entrepreneurs in Nigeria face higher barriers than men do to access finance, especially in providing traditional forms of collateral for loans, since most assets that lenders accept are typically registered to men. The Nigeria We-Fi project aims to address key constraints faced by women in the access to credit by facilitating the development and delivery of innovative credit products and supporting capacity building for women-led SMEs.

    This impact evaluation will measure the impact of an innovative credit product designed to surmount longstanding collateral constraints faced by women entrepreneurs by using cash flow to determine credit worthiness. It will also measure the impact of tailored outreach campaigns by banks to reach women entrepreneurs. Since evidence of the impact of large, flexible-collateral loans for women entrepreneurs is limited globally, this innovative pilot also has the potential to inform broader We-Fi programming and credit interventions for women entrepreneurs.

    As part of a proof-of-concept pilot study, this baseline survey was conducted from August – December 2021 on a sample of 214 business owners across four states in Nigeria: Abuja, Lagos, Oyo, and Port Harcourt.

    The instrument was designed to collect enterprise and household level data from the sampled male and female enterprise owners that have been approved for a cashflow based loan at their place of business. Survey topics include (i) household demographics, (ii) business activities and ownership, (iii) access to finance (iv) entrepreneurs’ characteristics, and (v) intra-household dynamics.

    Kind of Data

    Sample survey data [ssd]

    Unit of Analysis

    Households, individuals, and enterprises in Abuja, Lagos, Oyo and Port Harcourt states of Nigeria.

    Version

    Version Description

    Edited, anonymized version for public distribution

    Coverage

    Geographic Coverage

    Nigeria: Abuja, Lagos, Oyo and Port Harcourt states

    Producers and sponsors

    Primary investigators
    Name Affiliation
    Sreelakshmi Papineni World Bank
    Tricia Koroknay-Palicz World Bank
    Siegfried Zottel World Bank

    Sampling

    Sampling Procedure

    The baseline sample is comprised of 214 enterprise owners within Abuja, Lagos, Oyo, and Port Harcourt states in Nigeria. In partnership with Access Bank PLC, the sample was defined by identifying Access Bank business banking customers who had recently applied and were pre-approved for a Cashflow business loan. Baseline surveys were conducted on a rolling basis, as newly approved Cashflow business loans were being processed by account officers and credit analysts.

    Survey instrument

    Questionnaires

    The data consists of responses from SME owners to questions pertaining to (i) business ownership and firm performance; (ii) access to finance; (iii) noncognitive skills; (iv) women empowerment and intra-household bargaining; and (v) individual and household income. The questionnaire is provided for download.

    Data collection

    Dates of Data Collection
    Start End Cycle
    2021-08-01 2021-12-31 Baseline
    Mode of data collection
    • Face-to-face [f2f]
    Data Collection Notes

    The main mode of data collection was the use of a structured questionnaires. In some cases, there were open ended questions to which the respondent could provide their answers. In many cases however the respondent was provided with coded response options from which to choose. These questionnaires were administered by enumerators who visited the businesses at a time convenient for the participating enterprise owners.

    Depositor information

    Depositor
    Name
    World Bank

    Data Access

    Citation requirements

    Use of the dataset must be acknowledged using a citation which would include:

    • the Identification of the Primary Investigator
    • the title of the survey (including country, acronym and year of implementation)
    • the survey reference number
    • the source and date of download

    Example:
    Sreelakshmi Papineni (World Bank), Tricia Koroknay-Palicz (World Bank), Siegfried Zottel (World Bank). Nigeria - Innovative Lending Products for Women-Led SMEs 2021, Proof-of-concept Pilot Study Baseline Survey (WE-Fi 2021). Ref: NGA_2021_WEFI-BL_v01_M. Downloaded from [uri] on [date].

    Disclaimer and copyrights

    Disclaimer

    The user of the data acknowledges that the original collector of the data, the authorized distributor of the data, and the relevant funding agency bear no responsibility for use of the data or for interpretations or inferences based upon such uses.

    Metadata production

    DDI Document ID

    DDI_NGA_2021_WEFI-BL_v01_M_WB

    Producers
    Name Abbreviation Affiliation Role
    Development Data Group DECDG World Bank Documentation of the study
    Date of Metadata Production

    2024-08-26

    Metadata version

    DDI Document version

    Version 01 (2024-08-26)

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