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**CHAPTER THREE ****RESEARCH METHODOLOGY**

**RESEARCH DESIGN**

A research design is a plan which specifies how data relating to a given problems should be analyzed and collected. It provides the procedural outline for the conduct of any given investigation. For the purpose of this research, the documented financial operations of the Oha microfinance bank and its branch in Enugu have been considered. Some data are from the documented reports while others were gathered from the administration of questionnaires to the officials in Oha microfinance bank, Enugu State.

**SOURCES OF DATA COLLECTION**

The researcher employed the following research instruments in obtaining data from his primary source;

- Oral interviews
- Questionnaires

The interview is a conversation carried out with the aim of obtaining certain information. The information devout from the staffs and the accompanying questions attached at the end of this work are meant to elicit further comments to support commenting the exact service provided to dwellers.

The structured questionnaires were drafted for this study with a list of alternative answers provided out of which respondent were to freely and briefly express their opinion in the space provided. This method has greater reliability because of its flexibility.

**METHOD OF DATA COLLECTION**

Data collection can only be effective when a researcher knows the type and nature of data required to enable them test his hypothesis. For the purpose of this research work, the researcher administered the questionnaire on hand to hand basis to the staff of Oha microfinance bank.

In order to achieve the effectiveness of this research work, the researcher chose to use random sampling so as to give each person the equal opportunities. Majority of the discussion will be based on the result of the questionnaires designed and the literature written about the subject matter by many authors and the method of collection based on primary and secondary methods.

**Primary Data**:

For the purpose of the primary data, the researcher extracted its information from distribution among the officials of the microfinance banks and the questionnaires were designed with multiple choices requiring “Yes” or “No”.

**Secondary Data**:

Data were extracted from relevant textbooks, seminar papers, internet and organizational records.

**DETERMINATION OF POPULATION SIZE**

Population refers to animate and inanimate things in the society on which the study is focused. Therefore population refers to number of people living in a given place performing activity individually.

The population of the study consists of both the 25 junior and 32 senior staff in the branch with a total number of 57 workers which made up the respondents to the questionnaires.

**DETERMINATION OF SAMPLE SIZE**

Based on the total population of 57 staff of Oha microfinance bank, sample size was determined using Yamani‟s (1964) formula thus;

Analysis of data will be based on the respondents who returned their questionnaires and which conceded with the sample size.

**SAMPLE PROCEDURE**

There are two types of sampling techniques which are probability and non-probability sampling. Probability sampling is a procedure in which every unit of the universe is given an equal chance of being included in the sample. Non probability sampling does not operate within the process of randomization principle. Here, the researcher selects his sample with basis or interest.

In the course of this research work, the stratified sampling method of the probability sampling method has being adopted.

**METHOD OF DATA ANALYSIS**

For the appropriate techniques to be used in any analytical study, depends on the kind of statistical tools used. Therefore the use of tables, frequency and percentage will be of great help. The data will be presented and analyzed in tables and the view of majority will be taken as the dominant view. Also the hypothesis is tested by applying the responses to the question that is related to the formula hypothesis.

The observed frequency O, said to be the number of times a set of event occurs while the expected frequency Σ, given to number of time and set of events is expected to occur.

Degree Of Freedom (DF) =(R-1) (C-1)

Where

R= Number of Row

C= Number of Column

1= Constant

**DECISION RULES**

The decision rule is that, where the calculated chi-square is less than the critical value or chi-square tabulated, the null hypothesis <H0> should be accepted and alternative hypothesis <H1> should be rejected. While, if the calculated value of chi-square is greater than the chi-square tabulated value at a given level of significance, the null hypothesis <H0> should be rejected and the alternative hypothesis<H1> should be accepted.

Cover page

Title page

Certification

Approval page

Dedication

Acknowledgement

Abstract

Table of content

CHAPTER ONE: INTRODUCTION

1.1 Background of the study

1.2 Statement of problems

1.3 Objectives of the study

1.5 Research questions

1.6 Significance of the study

1.7 Scope of the study

1.8 Limitations of the study

CHAPTER TWO: LITERATURE REVIEW

2.1 Overview of microfinance activities in Nigeria

2.2 Justification for the establishment of microfinance institutions

2.3 Microfinance policies and goals

2.4 Contributions of government in alleviation of poverty through establishment of microfinance banks

2.5 The rate at which rural dwellers are not able to repay their loans

2.6 Supervision of microfinance banks

2.7 Roles and responsibilities of stakeholders

CHAPTER THREE: RESEARCH METHODOLOGY

3.1 Research Design

3.2 Sources of data collection

3.3 Methods of data collection

3.4 Determination of population size

3.5 Determination of sample size

3.6 Sample procedures

3.7 Method of data analysis

3.8 Decision rule

CHAPTER FOUR: DATA PRESENTATION AND ANALYSIS

4.1 Data presentation

4.2 Summary of responses

CHAPTER FIVE: SUMMARY OF FINDINGS, CONCLUSIONS AND RECOMMENDATIONS

5.1 Summary of Findings

5.2 Conclusion

BIBILOGRAPHY

APPENDIX

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THE ROLE OF MICROFINANCE BANKS IN THE ALLEVIATION OF POVERTY IN NIGERIA. ( A Case Study of Oha Microfinance Bank Ogui Road Branch, Enugu State)