Effect Of Lending And Loan Recovery On The Performance Of Microfinance Bank In Enugu State
[A STUDY OF BETHEL MICROFINANCE BANK ENUGU( 2007-2017)]

1.3    Objectives of the Study
In the course of this analysis, the main objective of this work shall be, to determine the impact of lending and loan recovery on the performance of Nigeria Microfinance bank, while specific objectives shall be
i.    To determine the correlation between lending and loan recovery on the Nigeria Microfinance bank.
ii.    To ascertain the causality relationship between lending and loan recovery in Nigeria microfinance bank.

1.4    Research Questions
From the aforementioned research objectives, these shall stand as the research questions
i.    What is the correlation between lending and loan recovery on the Nigeria Microfinance bank?
ii.    What is the direction of causality relationship between lending and loan recovery in Nigeria microfinance bank?

1.5    Statement of Hypothesis
This research work will be conducted with a view of testing the following hypothesis
1.   H01:     Lending and loan recovery have no significant correlation in Nigeria microfinance bank.
2.     H02:  There is no causality relationship between lending and loan recovery in Nigeria microfinance bank.

1.6        Significant of the study
The significance of the study is derived from the basic feature of lending as an all-time important function of most banks. The finding of this study is believed would be of great value to the government, the industrial sector operators, other researchers, to students alike and the society at large.

Government: this research work shall serve as an eye opener to the government and its agencies, recommendations made on this work shall stand to direct them during policy making and review process.
Industrial Sector: industrial sector shall stand to benefit from this research work for it will educate them on the prospect of returns on investment on any loan they want to embark on.
Other researcher: potential researcher on this topic shall find this research work as a reference material and a guide to his/her own work.

1.7    Scope of the Study:   
This work focuses on the impact of microfinance bank on unemployment between in Nigeria, with special reference to Bethel Microfinance Banks in Enugu for a period of 10 years, from 2007 to 2017. The study collects data on lending and loan recovery from the bank of concern and evaluates its correlation.

 1.8    Limitations of the Study
The biggest challenges of this study were:-
Data availability: - The ability of a user to access information or resources in a specified location and in the correct format, this is the main problem of using questionnaires as a method of data collection. Due to the fact that this is not a face to face interview kind of questions, sometimes the respondents might not be willing to give exact answers for some questions and they may refuse to respond to a question on the grounds that they are scared on what will be done with the questionnaire, either will send direct to the responsible companies.

Bureaucracy: - This is another problem that the researcher was faced during the fieldwork. Some respondents were not able to provide data until they got permission from their superior. Even though bureaucracies sometimes seem inefficient or wasteful, setting up a bureaucracy helps ensure that thousands of people work together in compatible ways by defining everyone’s roles within a hierarchy.

Confidentiality of Data: - A property of data, usually resulting from legislative measures, which prevents it from unauthorized disclosure. The procedures in place to prevent disclosure of confidential data, including rules applying to staff, aggregation rules when disseminating data, provision of unit records some of the respondents were not providing their true opinions during the interviews because they regard some of the questions as sensitive. However, this group was small and the researcher assumed it did not affect the overall results and conclusions.