Hummingbird Journal of Management Science & Entrepreneurship (HUJMSE) Vol.20 (7) June, 2020

Hummingbird Journal of Management Science and Entrepreneurship (HUJMSE)

Vol. 20 (7) June, 2020. ISSN: 2370-9878

Published by: Hummingbird Publications and Research International,

Centre for Trans-Saharan Studies, University of Maiduguri, UNIMAID,

Maiduguri, Borno State, Nigeria.

E-MAIL: PHONE: +234-802-5604-997


Effect of Organizational Conflict on Employees Performance in Electricity Distribution Company


1Umar Usman, PhD, 2Fatimah Inuwa Usman, PhD, & 3Mudassir Ibrahim

1&3Department of Management and Information Technology, Faculty of Management Sciences, Abubakar Tafawa Balewa University Bauchi-Nigeria.

2Department of Business Administration, Faculty of Management Sciences, University of Maiduguri Borno- Nigeria.



The aim of this study is to assess the effect of organizational conflict on employee’s performance. The target population of this study is made up of 403.The population frame are drawn from the human resource department of jos electricity distribution company Bauchi branch ahmadu bello way, and the sample size is 200 the data was collected through a questionnaire. The method that has been used for this research is the cross sectional research method. The data gathered has been analyzed by mean score, standard deviation, reliability analysis, correlation and regression analysis using statistical package for social sciences (SPSS) version 21 and the results with suggestions and comments. The data collection tool has been confirmed after analyzing the collected data with statistical methods. The results are interpreted within the framework of the research problem. As a result of the conducted analysis, statistically significant relationships were found between the two variables. The research work founds that most of the respondents agreed that conflicts is inevitable but when it manage effectively it will enhance organizational productivity. The researcher recommend that management should always consider the interest of employee when making decisions that concern them.

Keyword: Organizational Conflict, Employees Performance




The Influence of Religious Factors on Entrepreneurial Awareness: Evidence from the Final Year Students of Crawford University, Igbesa


*Esuh Ossai-Igwe Lucky, Ph.D. **Akpan, E. O. *Opemipo Ajeyalemi

*Department of Administration & Management, College of Business and Social Sciences, Crawford University, Igbesa **Department of Accountancy, School of Business Studies, Federal Polytechnic Bauchi, Bauchi State.



This study investigates the influence of religious factors on the effective entrepreneurial awareness among the final year students of Crawford University, Igbesa. The study adopted a cross-sectional study research design with questionnaire research survey were 187 questionnaire were distributed. A systematic research sampling technique was employed to select 94 final year students who participated in the entrepreneurial awareness programme. The questionnaires data generated were analysed using multiple regression analysis technique and the overall finding revealed that religious factor as a whole statistically and significantly influence the entrepreneurial awareness of the final year students of Crawford University while on the contrary, the study failed to find support for the influence of religious belief and religious practices on the entrepreneurial awareness of the final year students of Crawford University. Therefore, the study drawn conclusions that religious factor as a whole but not its dimensions- religious belief and religious practices influences the entrepreneurial awareness of the final year students of Crawford University. The study also provides discussion on the findings as well as the limitation for future research.

Keyword: Religion Factors, Religious belief, Religious practices, Entrepreneurial Awareness, Crawford University,




The Mediating Role of Organizational Justice on Relationship between Job Satisfaction and Performance Appraisal:  Conceptual Model


*Dr. Ahmad A. Maiyaki & **Mrs Lami Musa Yaro

*Department of Business Administration and Entrepreneurship, Bayero University Kano, Nigeria **Department of Business Administration, National Open University of Nigeria, Abuja.



The study which is a conceptual paper, proposes a framework for the mediating role of organizational justice on the relationship between job satisfaction and performance appraisal among public secondary school teachers in Kaduna state North-west in Nigeria. However, there is paucity of research that have considered the relationship between job satisfaction and performance appraisal among public secondary schools. Most studies conducted on the direct relationship revealed mixed findings. Due to the inconsistencies in the literature on this relationship, a mediating variable of organizational justice was suggested. The study will add to the literature on what variables leads to job satisfaction among public secondary schools teachers in Kaduna State and in a developing country like Nigeria which is relatedly unexplored. This study examine the relationship between performance appraisal and employee`s job satisfaction through the moderating role of organizational justice in public secondary schools. This study is considering organizational justice as a moderator in order to explore the relationship among the study variables. Hence, this study will provide knowledge that may benefit public secondary schools on how to increase job satisfaction. Finally, the study depicts that, organizational justice is one of the most important internal leading factors affecting the employee performance and that when there is mutually constructed perception of fairness/equity among the employees, he/she will have sense of belonging within the organization, which subsequently can be a rationale for improving their job performance and in turn brings about positive performance appraisal.

Keyword: Job Satisfaction, Organizational Justice, Performance Appraisal, Public Secondary Schools




Income Distribution and Poverty Reduction in Nigeria


*Krokeyi, Wisdom Selekekeme **Obayori, Joseph

*Department of Economics, Niger Delta University, Wilberforce Island P.M.B. 071, Bayelsa State, Nigeria **Department of Economics, Faculty of Social Sciences, Nnamdi Azikiwe University, Awka, Nigeria



This paper analyzed income distribution and poverty reduction in Nigeria. The study examined the impact of both income inequality and wage increase on poverty reduction in Nigeria. To achieve the noble objective, secondary data from World Bank and CBN statistical bulletin were collected on poverty level, income inequality and wage increase. Based on the empirical result from GMM, the paper concluded that the coefficient of determination which showed that about 67% variation in the poverty level was explained by all the explanatory variables in the model. Also, a percentage increase in income inequality will cause poverty level to rise significantly. On the other hand, a percentage increase in wages will bring about corresponding decrease in poverty level. Based on the findings, the paper recommended amongst others that there should be sound family programme and welfare package design and implemented in order to check the growing rates of poverty and income inequality in Nigeria.

Keyword: GMM, Poverty, Income Distribution and Development       




The Effect of Market Orientation and Entrepreneurial Orientation on Performance of SMEs.  A Resource-Based View Perspective


Taofik Abidemi Bello1, Waniko Ebenezer Ndabako2, Ismail Alhaji Suleiman3, and Mohammed Umar Usman4.

1&3Department of Business Administration, Al-Qalam University, Katsina State. 2Department of management and Entrepreneurial Studies, Federal University of Technology, Minna. 3Department of Business Administration, Jigawa State Polythenic, Dutse.



The study examined the relationship between entrepreneur orientation, market orientation and SME performance. Using convenience sampling technique, 100 self-administered questionnaire were distributed to managers/owners of SMEs operating in Kaduna state. The study utilized Partial Least Squares Structural Equation Modeling (PLS-SEM). The study was cross sectional in nature that is data was collected once. The Results supported the hypothesized direct effects of entrepreneurial orientation, market orientation, on SME performance. Finally, the study concludes with some limitations that open up the avenues for future research.

Keyword: Entrepreneurial Orientation; market orientation; SME Performance.




Social Marketing Effect on Entrepreneurial Behaviour of Victims of Insurgency in Maiduguri: The Mediating Role of Humanitarian Intervention


*Bintu Mustapha and **Maryam Imam Ibrahim

*University of Maiduguri, Nigeria **Ramat Polytechnic Maiduguri, Nigeria.



Insurgent’s occupation of communities and the destruction of houses, lives, infrastructure and means of livelihood of the people have resulted in the drastic decline in socio-economic activities including business transaction marketing. The paper examines the effect of social marketing and support in building business infrastructure, provision of financial intervention, training  and development of entrepreneurial skills and behaviour in the study area and how these activities translates to marketing activities of product development, promotion and communication and effective distribution of products. The study uses mainly secondary data from documents of conceptual, empirical studies and documentary evidences on social marketing, insurgency management, enable entrepreneurship behaviour change through humanitarian activities in the state. This study utilizes Social Cognitive Theory.  The theory posits that learning occurs in a social context with a dynamic and reciprocal interaction of the individual, environment, and behaviour. It appears much has been recorded in terms of improving the condition of the internally displaced persons and gradual change of behaviour for entrepreneurship. Social marketing is seen as having potential to change behaviour, attitude and beliefs to a desired status through the actors which serves as the purse string for entrepreneurial behaviour.

Keyword: Marketing, Effect, Entrepreneurial Behaviour, Victims of Insurgency, Mediating Role, Humanitarian Intervention.




Influence of Economic Recession on Enrolment of Pupils in Nomadic Primary Schools in Ardo-Kola Local Government Area of Taraba State, Nigeria


*Dr. Aminu Sani **Rashidat O. Shaibu ***Bello Adamu Kafi

*Department of Educational Foundations, Taraba State University, Jalingo, Taraba State **Department of Social Science, School of Administrative Studies and Social Sciences, Kaduna Polytechnic, Kaduna State, ***Department of Educational Foundations, Peacock College of Education, Jalingo, Taraba State.



The study investigated the Influence of Economic Recession on Pupils’ Enrolment in to Nomadic Primary Schools, in Ardo-kola Local Government Area of Taraba State. Two objectives, two research questions and two hypotheses were formulated to guide the study. Descriptive survey research, design was used for the study and the total population was the total population of nomadic primary school teachers was used, there by drawing the required sample, who served as study respondents. Self developed questionnaire was used to elicit responses of respondents, titled Economic Recession and Pupils’ Enrolment Questionnaire (ERPEQ). Data collected was analyzed using (x­­­2) chi-square and t. Test statistics and the results showed that significant influence was found of Economic recession on pupils’ enrolment into nomadic primary schools and there is significant difference between male and female pupils’ enrolment in to nomadic primary schools. The study concludes that economic recession has positive influence on pupils’ enrolment in to nomadic primary schools of Ardo-kola Local Government Area of Taraba State. The study recommends that Federal State and Local Governments should diversity their economy in order to properly support education of their citizens, even during the fall in price of crude oil at international market.

Keyword: Economic Recession, Enrolment, Pupils, Gender, Ardo-kola




Entrepreneurial Characteristics and Performance of Small and Medium Scale Enterprises (SMEs) In Kwara State


Ibrahm, Waheed; Odeyemi Kayode Timothy; & Jones, OLasimbo Clement

Department of Business and Entrepreneurship, School of Business and Governance, Kwara State University, Malete Nigeria.



This research x-rays the effects of entrepreneurial characteristics on the performance of small and medium scale enterprises in Kwara State. It is aimed at finding out the extent to which entrepreneurial characteristics helps SMEs performance in Kwara State. In an attempt to establish the thrust of this research, primary and secondary data were generated. Secondary data were sourced from articles textbook and journals and primary data was generated through self-administered questionnaire. Both descriptive and inferential statistics were utilized for data analysis with the aid of statistics package for social science. Descriptive data was analyzed using simple percentage table and regression analytical tools were to test the hypothesis. From the empirical result obtained, it was discovered that that entrepreneurial characteristics (risk taking propensity, innovativeness and self-confidence) considered in this study were predictors of SME performance. The result also showed that there was a significant relationship between risk taking and sales growth. Based on the findings from the study, it was recommended that Entrepreneurial characteristics should be enhanced as a means of nurturing SMEs performance and long- term growth and survival.

Keyword: Entrepreneurial Characteristics, SME Performance, Risk taking, innovativeness and self confidence




Subjective Norm and Trust: Correlates of Online Shopping Behaviour of Staff of University of Maiduguri


Yakaka Gamama1*, Mustapha Momoh PhD2, Juliet Mbanaso3

1Department of Marketing, Faculty of Management Sciences, University of Maiduguri, Borno State, Nigeria. 2Department of Business Administration, Faculty of Management Sciences, University of Maiduguri, Borno State, Nigeria. 3Department of Banking and Finance, Faculty of Management Sciences, University of Maiduguri, Borno State, Nigeria.



Online shopping behaviour of consumers remain significant to the success of online businesses thus, understanding the motives that drives the behaviour is paramount to online marketers to sustain being the preferred choice of consumers. Numerous studies on factors that influence online shopping behaviour have been conducted in different countries around the world with varying results that are inconsistent; without doubt, an apparent need exists to study their influences in Maiduguri. Thus, based upon the rationale for the study, the influences of subjective norm and trust on online shopping behaviour of staff of University of Maiduguri is examined. A survey research was conducted on 450 staff of the University who were selected using purposive sampling while Partial Least Squares-Structural Equation Modelling was used for data analysis and hypothesis testing. The study reveals that subjective norm and trust have no influence on online shopping behaviour and recommends that online marketers should take all measures to protect the interests of consumers.

Keyword: Subjective Norm, Trust, Online Shopping Behaviour, Motives, Consumers.      




Problem and Prospects of Microfinance Banks in Jimeta Metropolis, Adamawa State


Bala Abubakar

Department of Business Administration, City University Cambodia.



The Nigerian government inaugurated the Microfinance banking scheme in 2005 to provide Finance to economically active poor excluded from financing by conventional banks, provide employment, Engender rural development and reduce poverty. This research theoretically examines the challenges these banks have had to grapple with from their inception. Furthermore, it scans the business environment to assess the prospects of microfinance banks in Adamawa State. The research shows that microfinance banking in Adamawa State faces enormous challenges in infrastructural inadequacies, social misconception, poor legal and regulatory framework, unbridled competition from other financial institutions, and abandonment of core microfinance function and paucity of qualified manpower. Despite this plethora of challenges, the study identified several areas where opportunities exist for these banks. The growing entrepreneurial awareness, increasing government interest, large unbanked rural area and high population of poor people were identified as some of these opportunities. The researcher argues that with proper regulatory interventions and commitment of other stakeholders to the core mission of microfinance banking, its challenges can be addressed and its prospects enhanced. This study therefore concludes that the future of microfinance banking in Adamawa State and in Nigeria as a whole is bright.

Keyword: Prospect, Banking, Sector, Microfinance, Interest, Economic.




The Impact Entrepreneurial Activities on Economic Development of Gombe State-Nigeria


*Ibrahim Ahmed; **Dr. Mohammad Tafida; and *Fatima Usman

*Department of Business Administration, Gombe State University, Gombe State-Nigeria **Federal College of Horticulture Dadin-Kowa, P.M.B 108 Gombe State-Nigeria.



The study assessed “The contributions of Entrepreneurs in the Economic Development of Gombe State”, using Gombe metropolis as the area of concern. The study aimed to examining the extent to which entrepreneurs’ activities contributes towards the success of entrepreneurship and economic development as well as increases in per capita income of inhabitants of Gombe metropolis. Relevant literatures were reviewed which were sourced from both primary and secondary sources. Twenty (20) questionnaires were administered in relation to five (5) different entrepreneurial occupations in order to ascertain the impacts. Presentation, interpretation and analysis of data were carried out through the use of simple percentages and frequency tables. The major findings of the study showed that there is a strong correlation between the contributions of entrepreneurs towards economic development in Gombe stat.  The study further revealed that the activities of entrepreneurs served as one of the major mechanism for increasing per capita income of the state’s inhabitants. However, the researcher recommended that government should provide adequate infrastructural facilities in order to experience a rapid growth and development of entrepreneur’s activities in the state.

Keyword: Entrepreneurs, Economic, Development and Entrepreneurship




Impact of Effective Internal Control System on Financial Accountability in Tertiary Institutions in Bauchi State-Nigeria.


Hamidu Shehu

Department of Accountancy School of Management Studies ATAP, Bauchi.



Internal control system is the process by which an organization governs its activities for effective and efficient operation, reliability of financial accountability and compliance with applicable law and regulation. It is important to appreciate the fact that for Tertiary Educational Institutions (private or public) to achieve its desired objectives effectively, the management of such tertiary educational institution must establish a sound internal control system that lead to an effective internal audit unit which would be able to furnish the management of the institutions with necessary analyses, appraisals, and recommendations for onward decision making. Thus, the study examined the effectiveness of internal control system on financial accountability of tertiary educational institution in Bauchi state-Nigeria. The study provides empirical evidence on the essential factors that contribute on sound internal control system as well as causes and consequences of a weak internal control system on tertiary educational institutions. Data obtained was coded and analyzed using frequency table and percentage, more so, non-parametric statistical test, Chi-square was used to test the formulated hypothesis using STATA 10 data analysis package. The study found out that: internal audit units of tertiary educational institutions in Bauchi State are ineffective because they lack independence, insufficient internal audit staff, which led to ineffective of internal control system. Components of internal control system of tertiary educational institutions in Bauchi State-Nigeria are not properly put in place especially in the area of authorization, approval, and supervision, segregation of duties and personnel control. It is recommended that management of TEIs in Bauchi State should ensure that all the features of effective internal audit unit like audit structure and resources, internal audit approach and audit plan are properly put in place, sound and effective, this will lead to effective internal control.

Keyword: internal control system, effectiveness, tertiary institutions, financial accountability, efficiency, reliability, compliance.




Assessment of the Role of Nirsal Microfinance Bank in Promoting Agricultural, Small and Medium Enterprise in Bida Metropolis


*Ibrahim Abubakar Mikugi & ** Hauwa Daniyan- Bagudu

*Department of Business Administration and Management, the Federal Polytechnic, P.M.B. 55 Bida, Niger State **Department of Banking and Finance, the Federal Polytechnic, P.M.B. 55 Bida, Niger State



Microfinance Banks in Nigeria that are meant to achieve fund raising for  domestic resource usage has closed down either do to inability to deliver on their mandate or the inability of potential beneficiaries to make up for the need to access and pay back lending funds to enable continuity of those microfinance banks. This paper is on the role of Nirsal Microfinance Bank in Promoting Agric, Small and Medium Enterprises in Bida Metropolis. The paper examine the level of funding and improvement in activities of Agric, Small and Medium Enterprises SMEs and to examine whether Nirsal Microfinance has contributed to job creation and employment generation through business startups and expansion in Bida Metropolis. The methodology use was both primary and secondary method. Questionnaire was designed and distributed to entrepreneurs who enrolled into the NIRSAL–AGSMEIS loan scheme between 2019 and 2020. The questionnaire was structured along a five point Likert scale. Secondary data were collected to support primary data using document review instrument, reviewed journals, books, and teaching manuals from internet, CBN Annual Bulletins, training and enrolment data from entrepreneurship centre Federal Polytechnic, Bida. Findings revealed that economic activities and level of funding of SMEs have increased tremendously through Nirsal Microfinance Bank loan Scheme. Findings also shows that most of the respondents disagree to the fact that loans application and approval process at Nirsal Microfinance Bank are fast enough to their satisfaction. The paper concluded that Nirsal Microfinance Bank was introduced to create jobs and enhances the skills of citizens in rural communities, access to cheaper and affordable funds by smallholder farmers and SMEs and access to credit for SMEs. Recommendations were given which include to enhance fast processing of loan application for SMEs and to also give attention to new business startups.

Keyword: Microfinance, Agricultural, Small and Medium Enterprises, Nirsal




Marketing Ethics: A Panacea for Political Parties Enhancement in Nigeria


1Ogah Arome Victor 2Iyaji Eleojo Inekwe 3Olorunmaiye Olatunbosun

1Department of Marketing Federal Polytechnic, Ado Ekiti, Ekiti State. 2Department of Marketing, Federal Polytechnic, Idah, Kogi State 3Department of Purchasing and Supply, Federal Polytechnic, Ado Ekiti, Ekiti State.



The study focused on the marketing ethics: a panacea for political parties enhancement in Nigeria. The specific objectives of the study were:  to examine the effect of honest manifesto on political parties’ enhancement in Nigeria and to examine the influence of transparency in governance on political parties’ enhancement in Nigeria. The study limit its scope to the ruling parties such as Action for Progressive Change (APC), Peoples Democratic Parties (PDP), All Progressive Grand Alliance (APGA) and Labour Party (LP). The study adopted survey research design. The study utilized primary data. Cluster area sample technique was used to select sample of 150 for the study but 120 respondents were used. 30- items 4-point likert scale option of structured questionnaire was used. Content validity was used to determine the validity of the instrument and test-retest reliability method was utilized to measure the consistency of the instrument.  Chi-square were use to test the hypothesis.  It was revealed that honest manifesto and transparency in governance has significant effect on political parties’ enhancement in Nigeria. It was concluded that practicing ethics in politics means deliberately applying standards of fairness, or moral rights and wrongs, to good government decision making, behaviour, and practice in the country. Due to the significant of this study, the following recommendations were giving: Political parties manifesto must be adhere to, in order to promote good governance in Nigeria. Good governance boosts reputation of the parties and its stakeholders, also Nigerian political parties should imbibe marketing spirit in their program because marketing create utility by identifying the needs and want of consumers and parties stakeholders should seek the needs and wants of the masses to enhance their standard of living.

Keyword: Marketing, Ethics, Political Parties, Democracy, and stakeholders




Impact of Service Quality on Customers’ Satisfaction in Pharmaceutical Companies in Lagos State


Adejimi, Seun Oyebola Mrs. & Oloyede, Adeola Olamide Mrs.

Department of Marketing, the Federal Polytechnic, Ado – Ekiti, Ekiti State.



This study empirically examine the relationship between service quality and customer satisfaction in Pharmaceutical companies in Lagos State, Nigeria. Survey questionnaire was constructed covering 3 service quality dimensions based on SERVQUAL model. Data were collected from 378 respondents from the total population of 6734 customers. Also, customer satisfaction was regressed against each of service quality dimensions. The results of the null hypotheses tested revealed that a coefficient determination (R2) of 91.70% of reliability; 96.90% of assurance; and 97.30% of empathy are responsible for customers’ satisfaction. Analysis results indicate that reliability, assurance and empathy have significant impact on the customers’ satisfaction. The study implies that service quality plays an important role as a driver for higher customer satisfaction level in pharmaceutical companies’ services. Managers would focus on reliability, assurance, and empathy to achieve high degree of customers’ satisfaction.

Keyword: Customer Satisfaction, Service Quality, Reliability, Assurance and Empathy




Impact of Monetary Policy on the Operations of Deposit Money Banks (Evidence from Nigeria: 2004-2018)


Musa Abdulai Aliakhue; Okologume Henry Chukwudi & Okhumaile Selena Idowu

Department of Banking and Finance, School of Business Studies, Federal Polytechnic, Auchi, Edo State, Nigeria



The study examines the impact of monetary policy on the operations of deposit money banks (Evidence from Nigeria: 2004-2017). The study adopted the Ordinary Least Square (OLS) analysis method for the estimation process. Data were extracted from the Central Bank of Nigeria Statistical Bulletin and Zenith bank plc statement of accounts and regressed with the aid of Eviews 8.0 econometric software package. It was found from our study that Money supply and Treasury bill rate both have positive and significant impact on the operations of deposit money banks in Nigeria. We therefore recommended that policy makers should work hand in hand with the government in formulating, evaluating and implementing new monetary policies that will have a positive impact on the Nigerian economy.

Keyword: Monetary Policy, Money Supply, Cash Reserve Ratio, Treasury bill, Deposit Money Bank




Effective Policing of Nigerian State through the Administration of Communal Efforts


*Adamu Buba; **Kabiru Abubakar Garba; & **Hussaini Adamu Hussani

*Department of Public Administration, Federal Polytechnic, P.M.B 0231, Bauchi State. **Department of General Studies, Federal Polytechnic, P.M.B 0231, Bauchi State.



The policing strategy adopted and employed by the Nigerian police force, the military and other Para- military forces has now become the subject of discussion in the public domain because of the failure in their attempts to curtail the snowballing flow of religious, political and non-state conflict and violence in the country. A number of domestic and international spectators have expressly challenged the existing policing approach engaged by the law enforcement agencies, particularly in their counter insurgency efforts in some of the security threatened northern states and other insecurity prone areas in Nigeria. There must be a paradigm shift in policing if the desired result in the security sector is to be achieved. This paper seeks to assess the influence of communal policing in checkmating the incessant violation of guidelines and directives thereby enhancing the adherence to constitutional guidelines in the country. In an effort to achieve the former, the historical development of modern policing will be traced in Nigeria, the constitutional duties of the Nigeria Police and the various strategies engaged by the police will be examined. The paper finds out that the existing nature of policing in Nigeria is outdated and no longer operative and further recommends among other things a paradigm shift towards the adoption of preemptive communal policing as a workable framework towards guaranteeing operational control in the security and safety of lives in Nigeria.

Keyword: Effective Policing, Nigerian State, Administration and Communal Efforts




Covid-19: Recommendations for Nigeria to Maintain Fiscal Balance in the 2020 Budget Year


Doris Usiomoifoh Ehiagwina, Sinmisola Yoyinsola Anjorin, Shola Abdullahi Jimoh, Olaolu Abiodun, & Yusuf Mayowa Raji, 

Department of Accountancy, the Federal Polytechnic Offa, Offa.



The outbreak of 2019 novel Coronavirus diseases (COVID-19) have led to a global economic melt down. This has affected the crude oil earning of Nigeria. The international oil price have crashed from about $70 in January 2020 to less than $12 in April 2020. In this qualitative paper, seven recommendations, which could assist the nation in meeting up its budget obligations in the short term are recommended.

Keyword: 2020 budget, coronavirus disease, COVID-19, debt renegotiation, fiscal reforms




The Social Economic Impact of Covid-19 and Africa Regional Policies


*Eric Omo Enakireru & **Sylvester Oghenekaro Ojo

*Delta State Polytechnic, Otefe- Oghara. **Department of Social Science, School of General Studies, Delta State Polytechnic, Otefe-Oghara.



As businesses worldwide navigate the challenges brought on by the rapid spread of COVID-19 (coronavirus), it is now more essential than ever that corporations be ready with solutions to address risk issues as they arise. Beyond the obvious health repercussions, this global pandemic has presented major disruptions for global businesses. Some have had direct commercial impacts on specific sectors, with interruptions to supply chains, challenges in meeting contractual obligations and implications under funding arrangements. Others are universal: workplace health and safety obligations, the impact of travel restrictions and containment measures, increased record keeping, protecting sensitive personal data and business continuity planning. Lockdowns measures being introduced by governments, as part efforts to break the transmission of the disease in populations, have slowed economic activities, affecting government revenue and expenditures, especially financing of interventions to uplift the well-being of vulnerable and the poor in society, especially in developing countries. The article examine the social economic implication of covid-19 on Africa regional policies, the economic impact of covid-19, Africa re-integration and regional policies, African businesses, investments, trade and markets, the role of the International Health Regulations, International response and compliance with the IHR, the implication of post covid-19 pandemic on the African continent, and the implementation of the African Continental Free Trade Area Agreement (AfCFTA) in a time of Covid-19. The article conclude by recommending appropriate measures, strategic policies for Africa regional re-integration and inclusiveness to combat the aftermath effect of the post covid-19 pandemic.

Keyword: Economic Growth, Investment, Covid-19, WHO, African and Regional Policies.




Challenges of Prison Entrepreneurship in Nigeria: The Nexus between Inadequate Instructional Facilities and Prison Inmates Skills Acquisition in Akwa Ibom State


Ime Robson Nseobot¹ Eyo, Uduak Enobong²

Department of Business Administration and Management, Akwa Ibom State Polytechnic, Ikot Osurua – Ikot Ekpene.



The study examined the relationship between challenges of prison entrepreneurship in Nigeria: the nexus between inadequate instructional facilities and prison inmates skills acquisition in Akwa Ibom State. The population of this study was made up of 5629 inmate population in prison facilities in Akwa Ibom State. Simple random sampling technique was used to select 212 respondents out of the population. The instrument used for data collection was questionnaire. The instrument was validated by two experts in Test and Measurement. Data from 212 completed questionnaires was subjected to Pearson Moment Correlation (PPMC) analysis. The findings showed there is a proportional relationship between inadequate instructional facilities and prison inmates skills acquisition in Akwa Ibom State. The study however recommended that entrepreneurship education has to do more than the conventional teaching and learning layout in the classroom. Thus; there is need to involve inmates in experiential trainings and workshop to enhance learning outcomes. Government through Nigerian Prison Service should make provision for adequate infrastructure, classroom space, teaching aids, library and ICT to create conducive learning environment and All the entrepreneurship laboratories and workshops in the prison should be equipped with modern equipment and other necessary teaching aids or instructional materials..

Keyword: Prison, Entrepreneurship Nigeria, Inadequate, Instructional, Skills Acquisition.




Effect of the Adoption of International Financial Reporting Standard (IFRS) on the Information Relevance of Accounting Profits in Nigeria (Pre and Post Adoption Analysis)


Abdulmarooph Olayiwola Adisa & Isa Otaru

Department of Accountancy, Federal Polytechnic Bali, Taraba State, Nigeria.



The objective of this article is to determine the effect of International Financial Reporting Standards (IFRS) adoption on value relevance of accounting information in Nigeria. The study therefore empirically analysed the effect of IFRS adoption on value relevance of net book value per share, earnings per share, and dividend per share from operations in Nigerian firms – evidence from oil and gas firms sector. The ex-post facto research design was used. The population is made up of 9 oil and gas firms listed in Nigerian Stock Exchange. A sample size of 8 firms selected on the basis of availability of data among other considerations was used. The study covers a period of tent years (2006-2015). Secondary data collected from annual reports of firms and database of Capital Assets were used. Panel data round effect regression analysis was used in analysing the data with the STATA 11. The findings revealed that IFRS adoption has an incremental effect on the value relevance of earnings per share, and dividend per share from operations, with earnings per share showing the highest increment. Based on the findings, the researchers recommended that investors should consider the values of earnings, book values of equity, and dividend per share from operations in the annual reports of firms prepared in accordance with IFRS before making any investment decision. However, more emphasis should be laid on earnings.

Keyword: financial reporting, IFRS adoption, Nigeria, value relevance.




Evaluation of Adequacy of Lecturers and Facilities for Implementing University Entrepreneurship Education in South East States, Nigeria


Dr. (Mrs.) Njoku, Julie U.

Department of Office and Management Technology, Federal Polytechnic, Nekede, Owerri.



This study focused on evaluation of the availability and adequacy of universities’ entrepreneurship education lecturers and facilities in South East States, Nigeria. The design of this study is an evaluation research with four research questions. The population of the study comprised two hundred and sixty two (262) Lecturers of entrepreneurship education in universities in the South-East Geo-Political Zone of Nigeria. The study made use of all the population of the study because their number can be reached, hence no sampling. The instrument for the study is an observable checklist prepared in line with the guidelines from NUC. Three experts from Measurement and Evaluation in Imo State University face validated the instrument. The research questions were answered using frequency counts so as to ascertain the availability and adequacy of lecturers and facilities in the universities. It was revealed among others that 171 male lecturers and 91 female lecturers teach entrepreneurship education in South-East Geo-Political Zone of Nigeria. Entrepreneurship lecturers are inadequate compared to the number of students and number of departments and faculties in the universities. The number of available facilities in federal universities is more than the number in the state universities. Some of the material resources are available but inadequate. It was therefore recommended among others that: government should make available and adequate funds for entrepreneurship education in the universities by separating the fund from university allocation as to give those involved free hand to utilized it well which will help them to employ more qualified lecturers and provide adequate facilities for implementing the programme.

Keyword: Evaluation, Availability, Adequacy, Entrepreneurship Education, Lecturers and Facilities




External Debt and Economic Growth in Nigeria (2008-2017)


Eyenema Ndifreke Umoudo1 Samuel Effiong Affia2

Department of Business Administration and Management, Akwa Ibom State Polytechnic – Ikot Osurua



This study examined the effects of external debt on Nigeria’s economic growth (2008-2017). As a guide for the study, research hypotheses were stated. The study adopted a longitudinal trend survey method using ex-post factor model. Instrument for the study was secondary data gotten from CBN Bulletins and annual reports of several years. Data were collected, coded and analyzed using Pearson Product Moment Correlation Coefficient. Analysis from the study revealed that external debt has significant effects on the economic growth of Nigeria. Furthermore, the study revealed that external debt service payments have significant effects on Nigeria’s economic growth. This therefore interprets that external debt service payments have significant effect on Nigeria’s economic growth in terms of total debt service payment and GDP for the period 2008 – 2017. The consequences of huge external debt burden on economic growth in Nigeria includes excessive capital flight, limited production power and insufficient internal savings. Based on the findings from the study, the researcher recommended that: external debt should be contracted solely for economic reasons and not for political or social reasons; government should actively pursue diversification of the economy to ensure a buoyant and robust economy which will reduce external borrowing and; the Debt Management Office (DMO) should always keep track of debt repayment obligations in order to avoid debt overhang.

Keyword: External, Debt, Economic, Growth, Nigeria.




Assessment of the Effect of Savings and Investment Habit on Entrepreneurial Development in Jalingo Metropolis, Taraba State, Nigeria


Sule Ahmed

Department of Business Administration and Management, Ramat Polytechnic, Maiduguri, Borno State, Nigeria.



Entrepreneurial development is necessary in every society to enhance economic growth and development, but its top must constraints are lack of capital and savings. Therefore, this study examined the Effect of Savings and Investment Habit on Entrepreneurial Development in Jalingo metropolis, Taraba State, Nigeria. Multi-stage sampling technique was employed where the first stage consisted of five (5) wards randomly selected from the existing ten (10) wards in Jalingo metropolis. In the second stage, 50% of the residential areas in each ward were systematically selected and in the third stage of the populations in each of the selected residential areas were drawn to give a total of 130 respondents (0.718%). Data were collected with the aid of a structured questionnaire and personal interview for respondents who cannot read or write; and the result of the interview were interpreted in the questionnaire. Descriptive statistics, multiple regression, ANOVA and Pearson product moment correlation were used in data analysis. The analysis shows that most (47.6%) of the respondents saved regularly by putting money aside while low income (38.4%) tops the list of the reasons for not saving money. Other variables: household size and spouse’ negative spending habit were negative and significant (R2 =0.591, F-Ratio =28.650) at 5% level of significance. The result of ANOVA shows that there was no significant difference in respondent’s perception about savings, the effect of savings on entrepreneurship, and entrepreneurship traits at 5% level of significance. The study also found a positive correlation (r=0.22) between entrepreneurial development and the respondents’ savings (habit) at 5% level of significance. It was recommended among others, that governments’ entrepreneurship education programs should emphasize the need for savings, suitable forms of compulsory savings should be made to encourage savings behavior, equity contribution should be considered as collateral security to serve as incentive to those who save and, parents should teach their children the art of saving money.

Keyword: Development, Entrepreneurship, Habit, Investment, Savings




Analysis and the Impact of Foreign Made Goods on the Nigerian Economy


Balogun, Bamidele Bode

Centre for Entrepreneurship Development, Kebbi State Polytechnic, Dakingari.



This study seeks to investigate analysis and the impact of foreign made goods on Nigerian economy. To achieve this, the study covers ten (10) years period (2009 – 2019). The study adopted survey research design with the aid of questionnaires to obtain data from the respondents. The population of the study comprises of eight hundred and fifty (850) respondents from Sokoto South senatorial district of Sokoto state. A sample of two hundred and seventy two (272) respondents was drawn from the total population using Taro Yamane formula. Findings of the study reveal that foreign made goods have done more harms than good to the Nigeria economy. It concludes that if adequate measures are not taken by the Nigerian government, Nigeria will be a dumping ground for the developed nations, and this will have adverse effects on the economy. On the basis of the above, the study recommends that government should place a serious restriction on imported goods and also encourage Nigerians to patronize made in Nigeria goods, it further recommends that Nigerian industries should focus more on quality rather than quantity so that their products can compete favorably in the international market.

Keyword: Analysis, Impact, Foreign Goods, Nigerian, Economy.




Impact of Sustainability Reporting on Corporate Performance: Evidence From in Nigeria Stock Exchange (NSE)


Yusuf Ova Mutalib, Emmanuel Uareme Iriabije, Akpan Edem Okon & Odumegwu Emmanuel Chijioke (ACA)

Department of Accountancy, Federal Polytechnic Bauchi, Nigeria.



This research is on the Impact of Sustainability Reporting on Corporate Performance of Selected Quoted Companies in Nigeria. The specific objectives of this research is to ascertain the level of impact of sustainability reporting on Return on equity, Return on assets, Earnings per share and Net profit margin of companies listed on the Nigerian Stock Exchange. This research employed ex-post facto design. The sample for the study was made up of 64 companies selected from 76 non financial companies quoted on the Nigerian Stock Exchange. This research utilized secondary data. A model specification based on regression model was used. The statistical technique employed in testing the hypotheses was the student t – test statistic. Findings from this study show that Sustainability Reporting impacted positively on financial performance of quoted companies in Nigeria Stock Exchange. Companies are therefore encouraged to adopt this reporting system in order to account for it social, environmental and economic values which serve as tools for investment decision making.

Keyword: Sustainability Reporting, Corporate Performance and Quoted Companies




Profitability Analysis of Soya Beans Production in Ardo-Kola Local Government Area of Taraba State, Nigeria.


1Alam, M.K, 2Danji M.B 3Melaiye, O.R. 4Musa, H.Y, 5Daloba, J. & Atule, T.M

1,2,4&5-Dept of Agric Extension & Mgt., College of Agric. Jalingo 3Faculty of Education, Science Education Department, Taraba State University, Jalingo 6NYSC State Secretariat Jalingo.



The study analyzed the profitability of Soya beans production in Ardo-Kola Local Government Area of Taraba State. It specifically described the socio-economic characteristics of Soyabeans farmers, estimated the costs and return of soyabeans production and identified the constraints to soysbeans production in the study area. Data were collected from 120 soyabeans farmers using purposive and random sampling techniques. The data were analyzed using descriptive statistics. The cost result revealed that most of the soyabeans farmers in the study area were young, married and formally educated. The farmers were mainly small holders without access to credit facilities. The results of the Gross Margin analysis showed a cross income of N122,500, Gross margin of N53,900 and Net farm income of N45,250 with a return on Naira invested of N0.67K, which implied, it is a profitable venture. Constraints to syabeans production were identified as; inadequate funds high cost was recommended that soyabeans farmers should farm or join Cooperative Society in order to access finance from Government as well as  other financial institutions. And also, Government as well as should subsidize the price of farm inputs to make them affordable and accessible to farmers.

Keyword: Profitability, Analysis, production, sdoyabean Ardo-Kola.




Television Advertising and Consumer Buying Behaviour: A Study of Pampers Diapers Products In Bauchi Metropolis.


Abubakar Baba Garba

Department Of Mass Communication, Federal Polytechnic, Bauchi.



The study examines the Consumers Buying Behaviour of Diapers Pampers among mother women in Bauchi metropolis and attempts to see whether it is being influenced by the products strategic advertisement. The research employs the use of survey design to gather necessary information. Convenience Random sampling was used to select sample from the population. The research methodology involves collection of data from a sample of women mothers in Bauchi metropolis, questionnaires were administered to obtain primary data which was later analyzed by simple percentage. The result showed that television was viewed as the most preferred medium of advertisement of Diapers Pampers. The result further indicated that customers of Diapers Pampers were well impressed by the strategic advertisement of this product and they were well influenced by it. The research recommends that since good and appealing advertisement can influence the customer to give good patronage to a product, companies and institutions selling products and services can boost their sales through basing a formidable advertising network. More attention should be focused on using television medium for advertisement of products for better sales and patronage.

Keyword: Influence, Television, Advertising, Consumer, Behavior & Diapers Pampers




An Emergence of Facilities Management Practice for Sustainable Development


1Esv Lawal Abdul Ganiyu Adekunle & 2Sakariyau, Jamiu Kayode

1Suite A1-17 Olajumoke Akinjide Shopping Plaza, Dutse Alhaji, Abuja. 2Department of Estate Management and Valuation, Faculty of Environmental Technology, Abubakar Tafawa Balewa University, Bauchi. Nigeria.



Sustainable development happens to be the heart of global policy talk. This is because it places emphasizes on environmental, economic and social considerations of developing countries to have a fulfilled wellbeing. This paper therefore examined the emergence of facilities management practice to Sub Saharan African resources for exploring sustainable development in the 21st Century. The account of Sub Saharan Africa in terms of sustainable development is inundated with good and bad. Bearing it in mind that Sub Saharan Africa as a continent happens to be one of the fastest growing economies in the world. It is blessed with a favorable weather and large landmass for agriculture, couple with the needed large resources in terms of human and natural resources. Therefore, it follows that Sub-Saharan African is seen as land of outstanding. However, given the widespread fiscal constraints in the wake of the global financial crisis, it will require innovative steps to boost productivity in the management of Sub- Saharan African resources. Sub-Saharan Africa resources and opportunities can be best explored through the adoption of facilities management practice. Sub-Saharan African must see facilities management as a tool for achieving sustainable development and conscientiously embrace it. This paper assessed the roles of facilities management practice for sustainable development in Sub-Saharan African nations. It therefore recommends feasible, economically, viable and policy.

Keyword: Sub-Sahara African, Sub-Sahara African Resources, Sustainable development, Facilities Management, 21st  Century.




The Effect of Entrepreneurship Education on Students’ Entrepreneurial Intentions in Some Selected Polytechnics in North-Eastern States of Nigeria


Erickson Amos Nambitokan & Hayatu Stephen Augustine

Department of Business Administration and Management, Adamawa State Polytechnic, Yola



The main aim of this paper is to examine the effect of entrepreneurial education on students’ entrepreneurial intentions. Also the study sought to determine whether such intention usually give rise to entrepreneurial start-up among students. Design/methodology/ approach-Primary data comes from 250 students who currently have entrepreneurship as one of their courses in their institution of higher learning within the North-east of the country. Respondents filled in a detailed questionnaire on their background and other related items as regards to their entrepreneurship education. A model of regression analysis was considered most appropriate for the data analysis of the study used. The use of regression analysis results from the fact that it will enable the study to test the influence of independent variables on the dependent variable and also to ascertain the rate of change in the dependent variable as determined by increase or decrease in the independent variables. Findings-The results of the regression analysis will reveal that student’s exposure to entrepreneurship education has a positive influence on the students’ entrepreneurial intentions. Research Limitations/implications-Examining the impact of entrepreneurial education on students’ entrepreneurial activities tends to raise or provide some useful insights into some theoretical issues on one hand. And on the other hand, it raises some practical implications for policy makers both in the government and Polytechnics. However, this study is limited based on the information available when the research is carried out. Further research could look at the effect of the entrepreneurship education on entrepreneurial activities after graduation. This study hence recommends that the Nigerian government should make entrepreneurship education a compulsory course in Nigerian schools (primary, secondary and tertiary institutions). This will help to influence youth’s attitude towards entrepreneurship. Originality /value-The study makes empirical and theoretical contribution by focusing on the research area that has received less attention especially in the context of study environment.

Keyword: Entrepreneurship Education, Entrepreneurial Intentions, Polytechnics, Nigeria




Economic Growth, Trade Openness, Unemployment and Foreign Direct Investment in Nigeria: An Empirical Analysis


Isere, Victoria Oshuare Merab

Department of Humanities and Social Sciences, School of General Studies, Auchi Polytechnic, Auchi



Foreign Direct Investment is essential in the productive sector of economies where its impact is truly felt in employment generation which in turn boosts economic growth rate of the FDI recipient country.  With all these benefits and more, policy makers direct policies towards trade openness and friendly business environment to ensure they can attract good foreign investment. This paper was set to investigate the impact of economic growth, unemployment and inflation on FDI in Nigeria.  The results reveal that only second and third period lags of the explanatory variables were statistically significant.  Specifically, GDP and unemployment had a negative but non-significant relationship with FDI individually.  The study recommends a need to increase Nigeria’s domestic investment as this will help to reduce the increase in unemployment as FDI inflow increases.  It is also recommended that FDI will increase economic growth in Nigeria if government policies are properly implemented in the area of employment generation and reduction of inflation rates.

Keyword: FDI, economic growth, unemployment, inflation, ARDL




Prospects of N-Power Social Investment Programme on Reducin Unemployment in Maiha Local Government Area, Adamawa State.


*Haruna M. Dodo & **Usman Isa

*Department of Banking and Finance, Adamawa State Polytechnic, Yola **Department of Public Administration Adamawa State Polytechnic, Yola



Over the years Nigerian government are implementing different national plans with aims reducing the rate of unemployment but it still trending up and downward which is the major macroeconomic challenge this country. Therefore, this study examines the prospect of N-Power Social Investment on Reducing of Unemployment in Maiha Local Government Area, Adamawa State-Nigeria. Primary data were used sourced through distributions of questionnaires to 50 sampled populations. Ordinary Least Square (OLS) econometric technique was employed to analyze the impact of Income Earn per Month (INCM), N-Power Beneficiaries (NPB), and Skills Acquired from the scheme (SAQ) on Social Investment (SIV) proxy by savings. The result revealed that INCM and NPB has positives and statistically significant on social investment (SIV) with coefficient values 0.2342222 and 13380.08 respectively. While the coefficient value of SAQ is -1560.075 is not statistically significant on social investment (SIV). However, the R2 measured the degree of variation of social investment was 93% whiten the model and the remaining 7% are error terms. Furthermore, the Descriptive statistics test was conducted to measured the mean, median, maximum, minimum as well as standard deviations of all variables in the model and the Jarque-Bera probability values of the variables are less than one it proved that the residuals are normally distributed in the model. Ultimately, the study is recommends that the government should: Provide suitable fiscal incentives to agricultural and industrial sectors to promote self reliance and reduce the rate of rural-urban migration. Be very strict in terms of entrepreneurship practical in all institutions to make in order to makes the graduates’ business oriented and self-reliant. Create a peaceful political and business environment to encourage foreign direct investors to invest in our country.

Keyword: N-power, Social, Investment, Unemployment.




An Alternative Perspective to Understanding Climate Change-Induced Farmers-Herdsmen Conflict in Nigeria


Ahmad Sabo

Department of Public Administration, School of Business Studies, Federal Polytechnic Bauchi.



Hazardous socioeconomic activities on environmental resources among various contenders pose the threat of desertification that inevitably exacerbates conflict between the farmers and herders with devastating effects. Abundant literature analyzed the cause and  nature of farmers–herdsmen conflict substantial of which focused on widespread social tension and political instability, whereas inadequate literature continue to remain an inherent characteristic of climate change as catalyst reinforcing farmers-herders conflict. The magnitude, recurrence and escalation of the farmers–herders conflict recently inspired dialectical delusion that the conflict will be unending so long the climate change persists. Employing literature review, this paper infer that threat of environmental degradation (desertification) reinforce competition for scarce resources (fertile soil and water) and consequently led to incessant violent conflict between farmers and herdsmen. Persistent of farmers-herders conflict cannot be debased from misconstruing the conflict as ethnic and religious clash, and the inability of the major actors/stakeholders including the government and media houses to adopt adequate, robust, sustainable and all inclusive measures to mitigate the conflict. Some of the plausible solutions to achieve sustainable peace and security include reconstruction of all-inclusive framework to deal with the climate change induced conflict, building trust between stakeholders, setting up of administrative mechanism for peace and conflict resolution, capacity building training on modern system of agricultural practice and curtailing the influx of illegal small firearms and light weapons; and illegal migrants.

Keyword: Climate change, Desertification, Scarcity, Migration, Farmers-herdsmen conflict, Nigeria.




A Review Paper on Exploroing Opportunities in Agriculture amidst COVID-19.


Oladejo A.O., Ayorinde J. O, and Sikiru G.K.

Department of Pest Management Technology, Federal College of Forestry, Jos, Nigeria.



Throughout the course of history, disease outbreaks have ravage humanity sometimes changing the course of history. All sector of the economic will be crumbled, the fear of what next always griped every one and at times, it seems the end of entire civilizations has come. COVID-19 is an acronym of ‘corona virus’ that started in Wuhan, China in December 2019 is one of such plagues. COVID-19 pandemic sweeps across the world putting all aspect of humanity on hold. In many part of the world, the agriculture industry was labeled as critical, allowing business to continue to operate as usual despite current and potential restrictions enacted to stop the spread of the virus. This made every step along the agriculture industry supply chains stepping up to keep employees and consumers safe while still providing vital equipment, services, commodities feed and food. Government in most countries took proactive steps to combat the situation. For instance Nigerian government promised to finance up to 1.6 million people on agriculture this year and different NGOs and individual are also in support, but the restrictions on movement of people and moving raw materials across closed borders or having enough healthy workers to keep the industries operational limit the success. The aim of this write up is therefore, to sensitize the youth to explore some opportunities in agriculture amidst this pandemic to combat the situation both now and in the near future.

Keyword: COVID-19, Opportunities, Agriculture, Pandemic, Epidemic, Economy




Influence of Deposit Money Banks on Nigeria Economy


Musa Abdullai Aliakhue and Okologume Henry Chukwudi

Department of Banking and Finance, School of Business Studies, Auchi Polytechnic, Auchi.



The study examines the influence of Deposit Money Banks on Nigerian Economy from 2009-2018. To facilitate the study, a simple model was specified using the variables; gross domestic product (GDP) as our dependent variable, deposit money banks credit (DMBC), lending rate (LR) and financial deepening (FD) as independent variables. Data for the variables were collected from the Central Bank Statistical Bulletin and analyzed with the aid of Eview 8.0. Our result revealed that deposit money banks credit has a positive and significant influence on Nigerian economy. We therefore recommended among others that Greater efforts should be made to make available, short, medium and long term loans to productive investments like the manufacturing sector, agricultural sector and SMEs as they constitute an integral part of the growth and transformation process of an economy like that of Nigeria as this will induce employment and income of the various economic agent and a productive economy.

Keyword: Deposit Money Banks, Financial Deepening, Financial Intermediation, Economic Growth




Effects of Technology Innovation on Financial Performance of Commercial Banks in Nigeria


Nasamu Gambo (Ph.D)

Department of Business Administration, Federal University Wukari, Taraba State.



This study examines the effect of banking innovations on financial performance of listed commercial banks in Nigeria. This study adopted correlational research design, Secondary data was collected from all listed Commercial Banks in Nigeria between the period 2008 to 2019. The data was extracted from the annual reports of the listed Commercial Banks in Nigeria. Correlation analysis used to measure the relationship between variable. Specifically, the researcher used multiple regression analysis to establish if the relationship between the independent variable and the dependent variables. The study found that ATM has a significant impact on the FP, IB has a significant impact on the FP and MB has a strong significant impact on the FP. Based on the findings the study concludes that technology innovation has a positive impact on the financial performance of listed Commercial Banks in Nigeria. Based on the foregoing findings and conclusions, the research recommends that Commercial Banks managers  and  government  should  properly  adopt  strategy  that  will encourage  businessmen  and  general  public  in  using  automated  teller  machine  which  will improve  effectiveness  and  efficiency  of the  banking  sector  and  therefore  financial  deepening and Internet banking should easily accessible by customers, so that quick service and convenience is maintained hence improving financial deepening.  At the  same  time  constantly  serviced  in  order  to  provide  reliability  of  the services.

Keyword: Financial Performance; Technology innovation; Internet Banking; Mobile Banking; ATMs.



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