Financial Inclusion: Exploring the Potentials of Daily Savings Enterprises (DSEs) in Savings Mobilization and Credit Delivery in Cross River State, Nigeria

Innocent Asuquo Asuquo, Eno Donatus Uwah


The study examined the potentials of Daily Savings Enterprises (DSEs) in savings mobilization and credit delivery as a veritable tool in financial inclusion of low income groups in Cross River State. A total of 60 DSEs and 99 member-savers were randomly selected for the study. Data was analyzed using multiple regression. Data analysis from the savings function showed that the number of member-savers per DSE and income of the participants were significant, while the credit delivery function revealed that number of member-savers, volume of savings in a year, interest charged and volume of credit already extended were significant, and  key variables in credit delivery. Arising from this, therefore, the study recommends the inclusion of DSEs in the National Financial Inclusion Strategic Plan for a robust mobilization of the low income groups in Nigeria.

Keywords: DSEs, Savings, Credit delivery, National Financial Inclusion.

DOI: 10.7176/JBAH/11-12-03

Publication date:June 30th 2021

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ISSN (Paper)2224-3208 ISSN (Online)2225-093X

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