[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-detail-31847":3,"doc-seo-31847":27},{"code":4,"msg":5,"data":6},0,"success",{"doc_id":7,"user_id":8,"nickname":9,"user_avatar":10,"doc_module":4,"category_id":11,"category_name":12,"doc_title":13,"doc_description":14,"file_id":15,"file_url":16,"file_type":17,"file_size":18,"view_count":19,"is_deleted":4,"is_public":19,"is_downloadable":19,"audit_status":19,"page_count":20,"language":21,"language_code":22,"table_of_contents":23,"faqs":24,"seo_title":13,"seo_description":14,"update_tm":25,"read_time":26},31847,687197207057,"Sage","https://ap-avatar.wpscdn.com/davatar_29158cc5080c5b710cf443261637dec0",8,"Research & Report","The Sustainability of Continuous Access to Digital Loans and Its Effect on Household Welfare","Study investigates the sustainability of continuous access to digital loans and how they affect household welfare (HW) in Lagos, Nigeria. Survey research collected data from 648 households using structured questionnaires, and structural equation modelling (SEM) analysed relationships. Findings show digital loans significantly and positively predict HW, while interest payment negatively affects HW. Financial attitude and willingness to contract digital loans also positively influence HW. Sustainability depends on fair interest rates, ethical debt recovery, fair collateral, and flexible repayment, alongside borrowing willingness and financial education.","cbCain1rugNJJU2N","https://ap.wps.com/l/cbCain1rugNJJU2N","pdf",419337,1,16,"English","en","# Introduction\n## COVID-19 impact and the rise of digital loans\n## Nigeria’s digital lending landscape and financial inclusion\n## Sustainability concerns and policy relevance\n# Methodology and Data\n## Survey design and sampling\n## Data analysis using SEM\n# Results and Discussion\n## Effects of digital loans on household welfare\n## Role of interest payment, financial attitude, and willingness","[{\"question\":\"What is the main research focus regarding digital loans in Lagos, Nigeria?\",\"answer\":\"The study examines whether continuous access to digital loans is sustainable and how digital loans affect household welfare (HW) in Lagos, Nigeria.\"},{\"question\":\"How do digital loans and interest payments relate to household welfare?\",\"answer\":\"Digital loans significantly and positively predict household welfare, whereas interest payment has a negative effect on household welfare.\"},{\"question\":\"Which borrower or program factors influence household welfare alongside digital loans?\",\"answer\":\"Financial attitude and willingness to contract digital loans are positive predictors of household welfare, and sustainability is tied to fair interest rates, ethical debt recovery, fair collateral, and flexible repayment plans.\"}]",1780261385,40,{"code":4,"msg":28,"data":29},"ok",{"site_id":30,"language":22,"slug":31,"title":13,"keywords":32,"description":14,"schema_data":33,"social_meta":85,"head_meta":87,"extra_data":89,"updated_unix":25},105,"the-sustainability-of-continuous-access-to-digital-loans-and-its-effect-on-household-welfare","",{"@graph":34,"@context":84},[35,52,67],{"@type":36,"itemListElement":37},"BreadcrumbList",[38,42,46,49],{"item":39,"name":40,"@type":41,"position":19},"https://docshare.wps.com","Home","ListItem",{"item":43,"name":44,"@type":41,"position":45},"https://docshare.wps.com/document/","Document",2,{"item":47,"name":12,"@type":41,"position":48},"https://docshare.wps.com/document/research-report/",3,{"item":50,"name":13,"@type":41,"position":51},"https://docshare.wps.com/document/the-sustainability-of-continuous-access-to-digital-loans-and-its-effect-on-household-welfare/31847/",4,{"url":50,"name":13,"@type":53,"author":54,"headline":13,"publisher":56,"fileFormat":59,"description":14,"dateModified":60,"datePublished":61,"encodingFormat":59,"isAccessibleForFree":62,"interactionStatistic":63},"DigitalDocument",{"name":9,"@type":55},"Person",{"url":39,"name":57,"@type":58},"DocShare","Organization","application/pdf","2026-06-17","2026-05-31",true,{"@type":64,"interactionType":65,"userInteractionCount":19},"InteractionCounter",{"@type":66},"ViewAction",{"@type":68,"mainEntity":69},"FAQPage",[70,76,80],{"name":71,"@type":72,"acceptedAnswer":73},"What is the main research focus regarding digital loans in Lagos, Nigeria?","Question",{"text":74,"@type":75},"The study examines whether continuous access to digital loans is sustainable and how digital loans affect household welfare (HW) in Lagos, Nigeria.","Answer",{"name":77,"@type":72,"acceptedAnswer":78},"How do digital loans and interest payments relate to household welfare?",{"text":79,"@type":75},"Digital loans significantly and positively predict household welfare, whereas interest payment has a negative effect on household welfare.",{"name":81,"@type":72,"acceptedAnswer":82},"Which borrower or program factors influence household welfare alongside digital loans?",{"text":83,"@type":75},"Financial attitude and willingness to contract digital loans are positive predictors of household welfare, and sustainability is tied to fair interest rates, ethical debt recovery, fair collateral, and flexible repayment plans.","https://schema.org",{"og:url":50,"og:type":86,"og:title":13,"og:site_name":57,"og:description":14},"article",{"robots":88,"canonical":50},"index,follow",{"doc_id":7,"site_id":30}]