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

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  • Seibel Hans Dieter

    (leads the “Development Research Center” of the University of Cologne)

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.

Suggested Citation

  • Seibel Hans Dieter, 2008. "Changing patterns of risk management by self-help organizations of savings and credit: the Nigerian experience," Zeitschrift für das gesamte Genossenschaftswesen, De Gruyter, vol. 58(s1), pages 42-57, December.
    • Handle: RePEc:bpj:zfgewe:v:58:y:2008:i:supplement:p:42-57:n:5
    DOI: 10.1515/zfgg-2008-s105
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