Changing patterns of risk management by self-help organizations of savings and credit: the Nigerian experience

Seibel Hans Dieter
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Seibel Hans Dieter: leads the “Development Research Center” of the University of Cologne

Zeitschrift für das gesamte Genossenschaftswesen, 2008, vol. 58, issue s1, 42-57

Abstract: This article examines the Nigerian experiments of attempting to modernize indigenous savings and credit associations and of linking them to commercial banks. In a first part historical forms of self-help organizations are presented in a comparative perspective as they emerged in Germany. In a second part the various experiments in Nigeria during the last sixty years are presented. The article comes to the concluding observation that until today in Nigeria only the traditional esusu-type self-help organizations offered at least some opportunities for risk management, while cooperatives and banks largely failed in that respect.

Date: 2008
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DOI: 10.1515/zfgg-2008-s105

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