Muhammed Modibbo Buba, Haruna Babangida, Hamman Halilu


This study was aimed at assessing the effectiveness of the small-scale businesses as a tool of economic empowerment in Adamawa State. The study had three specific objectives, three research questions meant to answer the problem of the study and one hypothesis to be tested at 0.05 level of significance. Descriptive survey design was adopted. The population of the study is 1080 registered small-scale businesses which were drawn from 21 Local Government Area across the three senatorial zones in Adamawa State. A stratified proportional random sampling procedure was used to determine the sample of 285 for the study. A structured questionnaire and interview with 35 items was used and the data collected were analyzed using simple percentage and means, while the hypotheses were tested using regression analysis. The major findings of the study included the following: the Small-scale businesses have influence on economic empowerment in Adamawa State. The hypothesis was not retained. It was concluded that the small-scale businesses economically empowered people in both rural and urban communities and contribute to the overall development of Adamawa State. The major recommendations included the following; the loans given to small-scale business by either the government or private financial service providers do not reach to, or are inadequate for economic empowerment. Therefore, as a matter of policy, adequate loans with free interest should be given to them.

Full Text:



Abubakar, J. & Mohammed, A. (2008). Nigeria must revive small-scale industries. Daily trust, 19 (53): 31, Wednesday, July 16.

Adamawa State Government Official Website (2016). Referencing, not plagiarism: Retrieved January 29, 2016, from http://www.adamawastate.gov.ng.

Adewole, A. R. (2007). Women informal education Journal of College of Education Sokoto, 1(3)14-16.

Agboola , J. O. (2004) Research techniques. Ibadan: New deal Publications Nigeria Ltd. Buba, D. H. (2016). Appraisal of small-scale entrepreneurship in business failures in

Adamawa State: A case study of small-scale industry in Taraba State. Unpublished MBA Thesis submitted to postgraduate school, Ahmadu Bello University, Zaria, November.

Central Bank of Nigeria, (2003). The role of small scale industries in nigeria economy: small and medium scale enterprises and funding in Nigeria. Central Bank of Nigeria Publication, August, 25.

Ekpenyong, D.B.,& Nyong, M.O.(2012) Small and medium scale enterprises in Nigeria: Their characteristics, problems and sources of finance. Zakuna Printers Ltd. Nairobi, Kenya.

Federal Republic of Nigeria, (2007). Official gazette government notice 21. Lagos: Printed and Published by the Federal Government Printer, 24(94): May 15, 2007.

Ibbih, J. M. (2010). New partnership for micro, small and medium scale enterprises (MSME's). In: International Journal of Economic and Development Issues: Ikot Ekpene, Nigeria: Development Universal Consortia, 5 (1and 2).

Ibrahim, O. R. (2011). Northern women entrepreneurs: women can do profitable business at home. Daily trust, 27(21): 20, Monday, June 27.

Ilohi, O. P. (2009).The impact of small-scale enterprises financing in improving the Socio-economic well being of Delta State: Unpublished MBA Thesis submitted to Postgraduate School, University of Nigeria Nsukka, June.

Jibrilla, A. A. (2013). Impact of government interventions on small scale enterprises in Mubi North Local Government Area, Adamawa State, Nigeria, Journal of Economics and Sustainable Development. 7(17) 1- 9.

Kasimu, S. Y. (2012), Alternative source of small medium scale enterprises financing business time. Seminar on Nigeria Banker and Small Scale Business. July 27.

Krejcie, R.V. & Morgan, D.W. (1970). Determining Sample Size for Research Activities. Education and Psychological Measurement 2, 608.

Nnanna, O. J. (2011). Financing small-scale business under the new central bank of nigeria directorate and its likely impact on industrial growth of Nigerian economy. In: Bullion industrialization in Nigeria, financing and promotion of small-scale industries (SSIs) and non-oil. CBN: July/September, 25(3) 7-11.

Obagun, C. A. (2009). Small business project in Nigeria. Lagos: Broad Press and Publisher.

Olokoyo, S. (2009). Small business management: A guide to entrepreneurs. Kaduna: Ola Jamon Printers and Publishers.

Okafor, C. (2008). Financing Initiatives for Indigenous Entrepreneurs in SMEs: The Nigerian experience. International Journal of Investment and Finance 1(1 and 2) 22- 41

Osazevbaru, H. O. (2008). Financing small and medium enterprises in Nigeria: The Unfinished discourse. International Journal of Investment and Finance 1(1 and 2) 42-56

Usman, I. G. (2012). Assessment of small scale businesses as a tool of women economic empowerment in Borno State. Unpublished M.Ed. Thesis submitted to Postgraduate School, Ahmadu Bello University, Zaria, March.

Sako, R. (2009). Women empowerment and advancement manual. Kaduna: League for Democratic Women.

Satta, T. (2012). A multi-dimensional approach to improving small business access to finance in Tanzania. In: Micro finance article library. United Kingdom: Institute for Development Policy and Management, University of Manchester.

Small and Medium Scale Enterprises and Funding in Nigeria. Posted August 25, 2003. Referencing, Not Plagiarism: Retrieved January 29, 2011, from http://www.nigeriabusinessinfo.com/smeis2508803.

USAID, (2014). The Dynamic role of small and medium scale enterprises (SMEs). United States Agency for International Development Publication.


  • There are currently no refbacks.

Copyright © 2018 -2019.  The Nigerian Journal of Business Education (NIGJBED) All Rights Reserved. ISSN: 2408-4816.

Powered by Myrasoft Systems Ltd. (Phone Number: +234(0)8062926794)