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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