Adeoti, J.OGbadeyan, R.AOlawale, Y.A2018-06-202018-06-202015http://www.akamaiuniversity.us/PJST16_2_180.pdfhttp://hdl.handle.net/123456789/618Adeoti, J. O., Gbadeyan, R. A. and Olawale, Y.A. (2015): “The Impact of Micro-Finance Institutions Credit on the Survival of Small- and Medium-Scale Enterprises in Irepodun LGA of Kwara State, Nigeria”. The Pacific Journal of Science and Technology, A Publication of the Akamai University. 16(2): 180 – 188.The failure of many small-scale businesses in Nigeria is largely due to a shortage of finances for a continued period of time. The microfinance banks serve as a bailor to the financial collapse that would have befallen many of these businesses. This paper looks at the impact of microfinance credit on the survival of small- and medium-scale businesses in Irepodun Local Government Area (LGA) of Kwara State, Nigeria. The two functional microfinance banks in the Irepodun LGA were the population/sample for this study. ANOVA was used to test the hypothesis. The findings revealed that microfinance banks contribute significantly to the survival of small- and medium-scale enterprises in the study area. The study recommends that: repayment periods should be increased and more funds should be released to potential entrepreneurs for enterprise creation and to generate more employment.enImpactMicrofinanceCreditSurvivalSmall Scale BusinessEntrepreneurshipArticle