Sani, Idris AhmedLawal, Yusuf DansumaIbrahim, Mohammed AwwalAmeh, Jacob Ojobo2023-12-102023-12-102019-01-20Ameh, O.J. et. al. (2019). EFFECTS OF MICRO FINANCING ON MICRO, SMALL, AND MEDIUM ENTERPRISES (MSMES) IN NIGERIA: A CASE STUDY OF LOKOJA, KOGI STATEhttps://keffi.nsuk.edu.ng/handle/20.500.14448/611This study examined the effects of micro-financing on micro, small, and medium enterprises (MSMEs) in Nigeria with deep focus on Lokoja environ of Kogi State. The study investigate the contribution of Micro finance institutions (MFls) on the existence of MSMEs, influence of MFls on growth and development ofM SMEs, and the effect ofMFIs on performance of MSMEs in Lokoja in Kogi State Primary data was used with a sample size of 24 units. Mixed method of descriptive and regression techniques of analysis was used. The findings show that MFls significantly contribute to the existence of MSMEs in Lokoja environ, influenced the developmental capacity of MSMEs, also have significant effect on the productivity level of MSMEs. The study recommends that MFls should improve on their supply of micro-credit to MSMEs and encourage MSMEs to save from their proceeds, the nation’s monetary authority (CBN) must continue to appraise the credit delivery channels and formulate policies that would facilitate the delivery of the facilities to the MSMEs, and that the state assembly needs to put in place a parliamentary act to protect and encourage the existence of MSMEs in the studied locality. Finally, the study recommended that practical but not mere policy pronouncement in the field of power, roads network, and communication need to be observed to ameliorate the MSMEs production cost.enKeywords: Microfinance, Micro-loan, Micro-savings, SMEs, Lokoja.Article