This paper investigates the effects of microfinance bank health related services on micro and
small enterprise owners’ productivity. Productivity is measured as output value over resource input value.
The paper employed panel data and multiple regression analysis to analyze a survey of 502 randomly
selected entrepreneurs whose enterprise are finance by microfinance banks in Nigeria. We find strong
evidence that microfinance bank health related programmes have positive correlation with productivity of
micro and small entrepreneurs in Nigeria. Participation in health related services such as health education
and health finance are found to have positive impact on entrepreneurs’ productivity, while microfinance
bank linkages with health services provider and entrepreneurs access to health product through
microfinance bank are microfinance banks health related services that are yet to be developed well
developed by the microfinance banks . The paper recommends that a well structured health seminar and
training programmes should be embedded in all Microfinance programme to further enhance productivity
of entrepreneurs in Nigeria and partner with Insurance Companies in the country to provide quality health
insurance services affordable to MFBs’ client. This will guarantee the clients’ access the health services
when the need arise
