earners

  • financial-inclusion-in-nigeria-the-impact-of-collective-investment-schemes-on-low-income-earners
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    FINANCIAL INCLUSION IN NIGERIA: THE IMPACT OF COLLECTIVE INVESTMENT SCHEMES ON LOW-INCOME EARNERS

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    ABSTRACT

    This research is on Financial inclusion in Nigeria: the impact of collective investment schemes on low-income earners. This study investigates the impact of collective investment on the Income of Low-income earners in Nigeria. The income of 200 households in Yaba local Development Council Area analysis. Most of this data was from the primary source. All data collected were subjected to descriptive analysis, using frequency count and percentages. The research hypotheses were tested using the regression model. The finding of this study indicated that there is a significant relationship between collective investment and the income level of the low-income earners. The study concluded that on the micro level, collective investment schemes is seen as one of the ways through which earning could be enhance and poverty alleviated. This study tries to find out how collective investment schemes can help reduce poverty among young adults in the Yaba Local Development Area of Lagos states.

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  • assessment-of-housing-problems-of-low-income-earners
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    ASSESSMENT OF HOUSING PROBLEMS OF LOW INCOME EARNERS

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    ABSTRACT

    The study of housing problems of low income earners was conducted within the Nnewi town, Nnewi local government of Anambra state. The research work is focused on examining the extent in which housing policy strategies of the study area provides affordable housing for lower income urban families. It also presents the empirical evidence of the housing situation of low income households, analyzing the relationship between socially oriented housing policy, its historical and geographical context and its consequences. Both direct measures of the housing affordability circumstances of low income households and evidence drawn from previous research of the kind and extent of affordability-related problems in the study area are drawn on for the analysis.

     

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    THE CHALLENGES OF HOUSING FOR THE LOW INCOME EARNERS (CASE STUDY: MAKURDI, BENUE STATE).

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    ABSTRACT

    This study is on The challenges of housing for the low income earners (case study: Makurdi, Benue State). Housing which is seen as a basic necessity for all Humans whether rich or poor, has being seen as becoming very much expensive in recent times. Due to the hike in prices of building materials, PHCN Bills, Tap bills and other housing needs incurred by the land lords. Shelter should be adequate, affordable and decent. Adequate in that there are enough good quality rental and owner occupier housing units for low income families. Affordable in that total housing costs are affordable to those that have low income. Decent in that it provides a foundation for good physical and mental health, personal development and fulfillment of life objectives.   It has been cited that the housing problem cannot be solved starting at the bottom because the poor will still be overshadowed. Houses meant for the lower end could still be snapped up by individuals in the higher income class thereby distorting prices and displacing the target market. The solution would be for the government and socially motivated entrepreneurs to offer homes for the bottom end of the market while commercial players and maximum profit driven entrepreneurs take care of the upper income segment (Macharia, 2011).   The research study focused on the challenges faced by housing developers in the low income market. Challenges identified included the high cost of land in urban areas, the complicated land acquisition process, high transaction costs, outdated planning and building regulations, and the lack of adequate infrastructure.

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