{"id":"https://openalex.org/W2037756176","doi":"https://doi.org/10.5923/j.ijfa.20120101.02","title":"Risk Management and Insurance of Small and Medium Scale Enterprises (Smes) in Nigeria","display_name":"Risk Management and Insurance of Small and Medium Scale Enterprises (Smes) in Nigeria","publication_year":2012,"publication_date":"2012-08-31","ids":{"openalex":"https://openalex.org/W2037756176","doi":"https://doi.org/10.5923/j.ijfa.20120101.02","mag":"2037756176"},"language":"en","primary_location":{"id":"doi:10.5923/j.ijfa.20120101.02","doi":"https://doi.org/10.5923/j.ijfa.20120101.02","is_oa":true,"landing_page_url":"https://doi.org/10.5923/j.ijfa.20120101.02","pdf_url":null,"source":{"id":"https://openalex.org/S2764876032","display_name":"International Journal of Finance and Accounting","issn_l":"2168-4812","issn":["2168-4812","2168-4820"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":["anvur-scientific"],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Finance and Accounting","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://doi.org/10.5923/j.ijfa.20120101.02","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5018292970","display_name":"Terungwa Azende","orcid":"https://orcid.org/0000-0003-4348-1177","observed_orcids":["https://orcid.org/0000-0003-4348-1177"]},"institutions":[],"countries":[],"is_corresponding":true,"raw_author_name":"Azende Terungwa","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":["https://openalex.org/A5018292970"],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":9.0181,"has_fulltext":false,"cited_by_count":70,"citation_normalized_percentile":{"value":0.97278226,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":88,"max":99},"biblio":{"volume":"1","issue":"1","first_page":"8","last_page":"17"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.3449999988079071,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.3449999988079071,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.2759000062942505,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T12394","display_name":"Insurance and Financial Risk Management","score":0.2152000069618225,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/small-and-medium-sized-enterprises","display_name":"small and medium-sized enterprises","score":0.8980000019073486},{"id":"https://openalex.org/keywords/sme-financing","display_name":"SME financing","score":0.8199999928474426},{"id":"https://openalex.org/keywords/risk-management","display_name":"risk management","score":0.8820000290870667},{"id":"https://openalex.org/keywords/business-insurance","display_name":"business insurance","score":0.8870000243186951},{"id":"https://openalex.org/keywords/informal-finance","display_name":"informal finance","score":0.7870000004768372},{"id":"https://openalex.org/keywords/formal-financial-services","display_name":"formal financial services","score":0.9020000100135803},{"id":"https://openalex.org/keywords/credit-guarantee-schemes","display_name":"credit guarantee schemes","score":0.8650000095367432},{"id":"https://openalex.org/keywords/risk-sharing","display_name":"risk sharing","score":0.7680000066757202},{"id":"https://openalex.org/keywords/capacity-building","display_name":"capacity building","score":0.878000020980835},{"id":"https://openalex.org/keywords/benue-state","display_name":"Benue State","score":0.7839999794960022},{"id":"https://openalex.org/keywords/nasarawa-state","display_name":"Nasarawa State","score":1.0}],"concepts":[{"id":"https://openalex.org/C2778137410","wikidata":"https://www.wikidata.org/wiki/Q2732820","display_name":"Government (linguistics)","level":2,"score":0.6284691095352173},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.6232382655143738},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6067089438438416},{"id":"https://openalex.org/C48879800","wikidata":"https://www.wikidata.org/wiki/Q622439","display_name":"Small and medium-sized enterprises","level":2,"score":0.5529001951217651},{"id":"https://openalex.org/C2778755073","wikidata":"https://www.wikidata.org/wiki/Q10858537","display_name":"Scale (ratio)","level":2,"score":0.5465540289878845},{"id":"https://openalex.org/C2777267654","wikidata":"https://www.wikidata.org/wiki/Q3519023","display_name":"Test (biology)","level":2,"score":0.48531264066696167},{"id":"https://openalex.org/C32896092","wikidata":"https://www.wikidata.org/wiki/Q189447","display_name":"Risk management","level":2,"score":0.45563453435897827},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.3400140106678009},{"id":"https://openalex.org/C62520636","wikidata":"https://www.wikidata.org/wiki/Q944","display_name":"Quantum mechanics","level":1,"score":0.0},{"id":"https://openalex.org/C121332964","wikidata":"https://www.wikidata.org/wiki/Q413","display_name":"Physics","level":0,"score":0.0},{"id":"https://openalex.org/C151730666","wikidata":"https://www.wikidata.org/wiki/Q7205","display_name":"Paleontology","level":1,"score":0.0},{"id":"https://openalex.org/C86803240","wikidata":"https://www.wikidata.org/wiki/Q420","display_name":"Biology","level":0,"score":0.0},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0},{"id":"https://openalex.org/C41895202","wikidata":"https://www.wikidata.org/wiki/Q8162","display_name":"Linguistics","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.5923/j.ijfa.20120101.02","doi":"https://doi.org/10.5923/j.ijfa.20120101.02","is_oa":true,"landing_page_url":"https://doi.org/10.5923/j.ijfa.20120101.02","pdf_url":null,"source":{"id":"https://openalex.org/S2764876032","display_name":"International Journal of Finance and Accounting","issn_l":"2168-4812","issn":["2168-4812","2168-4820"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":["anvur-scientific"],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Finance and Accounting","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.5923/j.ijfa.20120101.02","doi":"https://doi.org/10.5923/j.ijfa.20120101.02","is_oa":true,"landing_page_url":"https://doi.org/10.5923/j.ijfa.20120101.02","pdf_url":null,"source":{"id":"https://openalex.org/S2764876032","display_name":"International Journal of Finance and Accounting","issn_l":"2168-4812","issn":["2168-4812","2168-4820"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":["anvur-scientific"],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Finance and Accounting","raw_type":"journal-article"},"sustainable_development_goals":[{"score":0.7257999777793884,"display_name":"Decent work and economic growth","id":"https://metadata.un.org/sdg/8"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":7,"referenced_works":["https://openalex.org/W14834537","https://openalex.org/W210199357","https://openalex.org/W292656616","https://openalex.org/W2155418030","https://openalex.org/W2962917763","https://openalex.org/W3193095467","https://openalex.org/W3198337428"],"related_works":["https://openalex.org/W1561423396","https://openalex.org/W210199357","https://openalex.org/W2763394873","https://openalex.org/W3086241794","https://openalex.org/W4386510219","https://openalex.org/W7215621625","https://openalex.org/W2249768920","https://openalex.org/W7162131501","https://openalex.org/W2962917763","https://openalex.org/W3021832913"],"abstract_inverted_index":{"This":[0],"study":[1],"assesses":[2],"the":[3,18,45,61,103,170,182,185,208,214,227],"financing":[4,67,110],"options":[5,111],"available":[6],"to":[7,16,41,54,77,85,166,210,213],"Small":[8],"and":[9,28,36,43,115,134,152,176,184,221,231],"Medium":[10],"Scale":[11],"Enterprises":[12],"(SMEs)":[13],"in":[14,60,129,162],"Nigeria":[15],"identify":[17],"one":[19,80],"that":[20,92,149,197],"is":[21,58,138,148],"most":[22],"patronized":[23],"by":[24,97,164],"them,":[25],"using":[26],"Benue":[27],"Nasarawa":[29],"States":[30],"as":[31,116,203],"case":[32],"study.":[33],"Mean":[34],"scores":[35,74],"standard":[37],"deviation":[38],"were":[39,75],"used":[40,53,76,84],"present":[42],"analyze":[44],"primary":[46],"data":[47],"obtained":[48],"via":[49],"questionnaires.":[50],"Correlation":[51],"was":[52,83],"substantiate":[55],"whether":[56],"there":[57],"similarity":[59],"inherent":[62],"identified":[63],"problems":[64],"of":[65,100,106,121,172,178,206,235],"each":[66],"option.":[68],"Simple":[69],"percentages":[70],"combined":[71],"with":[72],"mean":[73],"test":[78,86],"hypothesis":[79,87],"while":[81],"Chi-square":[82],"two.":[88],"The":[89,108,145],"result":[90],"shows":[91],"SMEs":[93,119,126,158,215],"are":[94,112,127],"significantly":[95],"financed":[96],"informal":[98],"sources":[99,105],"finance":[101],"than":[102],"formal":[104,109],"finance.":[107],"more":[113],"organized":[114],"such":[117],"avoid":[118],"because":[120],"their":[122,140,179,219],"risky":[123],"nature.":[124],"Predominant":[125],"lacking":[128],"good":[130,173],"risk":[131,174],"management":[132,175],"strategies":[133],"insurance":[135,177],"cover":[136],"which":[137,223],"why":[139],"funding":[141],"problem":[142],"still":[143],"subsists.":[144],"major":[146],"recommendation":[147],"Capacity":[150],"building":[151],"sensitization":[153],"programmes":[154],"for":[155,218],"all":[156],"registered":[157],"should":[159,188],"be":[160],"put":[161],"place":[163],"government":[165,183],"enlighten":[167],"them":[168],"on":[169,191],"benefits":[171],"businesses.":[180],"Both":[181],"banking":[186],"sector":[187,217],"mutually":[189],"agree":[190],"a":[192,200,204],"credit":[193],"guaranteed":[194],"scheme":[195],"strategy":[196],"will":[198],"incorporate":[199],"risk-sharing":[201],"arrangement":[202],"way":[205],"encouraging":[207],"banks":[209],"channel":[211],"funds":[212],"sub":[216],"growth":[220,230],"development":[222,234],"would":[224],"translate":[225],"into":[226],"national":[228],"economic":[229,233],"sustainable":[232],"Nigeria.":[236]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":2},{"year":2024,"cited_by_count":1},{"year":2023,"cited_by_count":4},{"year":2022,"cited_by_count":9},{"year":2021,"cited_by_count":2},{"year":2020,"cited_by_count":8},{"year":2019,"cited_by_count":13},{"year":2018,"cited_by_count":6},{"year":2017,"cited_by_count":9},{"year":2016,"cited_by_count":2},{"year":2015,"cited_by_count":5},{"year":2014,"cited_by_count":4},{"year":2013,"cited_by_count":1},{"year":2012,"cited_by_count":3}],"updated_date":"2026-11-07T11:25:07.637180","created_date":"2016-06-24T00:00:00"}
