Chapter One: Introduction

Micro-credit schemes give poor people access to small amounts of financial credit to assist them in economic activities. As Naila Kabeer (1998) has noted, micro-credit programmes have become an increasingly important intervention for addressing poverty, through a strategy of direct lending or of financial intermediation. Further, in the 1990s the World Bank outlined a bilateral approach towards enhancing development growth for the poor: policies that supported the use of labour (by harnessing market incentives and other means) and the provision of basic services to the poor. In view of this, the bank and many other agencies have strongly maintained and advocated the implementation of micro-credit programmes as a positive means of enhancing women’s economic empowerment, especially in Third World countries (World Bank Report, 2000).

Chapter Two: Literature Review

The micro-credit scheme is the latest in a line of historical and conceptual frameworks for approaching interrelated development programmes or policies, designed and promoted as instruments of change. Concerns for women’s economic empowerment, voice and gender equality, especially within the household and community have informed the proliferation and implementation of these development schemes by many NGOs and governmental organisations.

Thus, the overall framework of this chapter will constitute two different parts: first it will examine various definitions of ‘development’ and its relevance to gender and development, and secondly, it will evaluate various development approaches and examine their significance to women’s economic empowerment and well-being in a broad spectrum.

Chapter Three: Research Methodology

This chapter deals with the methodology and the research instrument to be used in getting data for the study. This study uses descriptive survey type. The population for this study consists of all market women in Ita-Osun (popularly called New Market). The sample for this study constitutes one hundred (100) respondents. Questionnaire will be used as instrument for data collection. In analyzing the data collected from the respondents, simple percentage method of data analysis will be adopted.

Chapter Four: Data Analysis

In this chapter, the researcher will analyse the data collected for the research work and interpret it according to the research hypotheses formulated in chapter one.

Chapter Five: Summary, Conclusion and Recommendations

Summary and conclusions are to be drawn from the research literature, research findings and data analysis. Recommendations will be made in the final chapter.

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Use of Adult Education as an Agent for Social Change in Nigeria: A Case Study of Lagos State


This study intends to investigate the use of adult education as an agent for social change in Nigeria using Lagos State as a case study. While the overall aim of the research is to empirically find out whether adult education has had significant impact on Lagos State, it will also discuss the importance of adult education as well as the challenges facing adult education in Nigeria. The research distinguishes between adult education for working adults and Adult Education as a course of study in the University. This study is centered on adult education for working adults. Using Lagos State as a case study, the research adopts descriptive research survey with focus on adult students offering various courses at Lagos State University. Questionnaire will be developed to cover the research questions and hypotheses. A total of 40 respondents are to be used for the study. Chi Square statistical tool will be used for data analysis. Summary and conclusions are to be drawn from the research literature, research findings and data analysis. Recommendations on linking adult education to national development will be made in the final chapter.