TIMBOU-AFRICAN ACADEMIC INTERNATIONAL JOURNAL OF FINANCIAL RESEARCH AND MANAGEMENT SCIENCE (TIJFRMS)
VOL. 6 (7) AUGUST, 2021 EDITIONS. ISSN: 2773-1040
TIMBOU-AFRICAN ACADEMIC PUBLICATIONS,
Centre for African Development Studies,
Federal Ministry of Education, Abuja, FCT-Nigeria.
EFFECT OF CYBERCRIME PRACTICES ON CUSTOMERS’ CONFIDENCE IN E-TRANSACTIONS IN MAIDUGURI METROPOLIS, BORNO STATE, NIGERIA
*DR MOMOH, MUSTAPHA; **ASHIGAR, F. ABUBAKAR & ***MUSTAPHA, HABIBA
*Department of Business Admnistration, University of Maiduguri. **Faculty of Management Sciences, University of Maiduguri. ***CPDDS, University of Maiduguri
This research investigate the effect of cybercrime on depositor’s confidence in electronic transactions within Maiduguri Metropolis. The competitive environment in the financial system has compel the utilization of alternative delivery channels. The most recently delivery channel is the electronic fund transfer system. As good as these may seems, this innovative transaction system has created a new breed of criminality called ‘cybercrime’. Therefore, the study evaluates the relationship between cybercrime practices and customers’ confidence; and, assess the effect of cybercrime on customers’ confidence on online transactions platforms in the study area. The study utilised multistate sampling techniques, which includes purposive and random sampling with interview guide to elicited data from 278 customers alike with fair knowledge of online transactions in the study area. The study reveals high cases of cybercrime practice such as e-financial fraud through online transaction, internet scams, identity theft, Salami attack, phishing, etc. in the area under review. It also found that cybercrime significantly affect customers’ confidence on the electronic transaction system within the study population. It recommends that the management of the financial service providers should routinely offers sensitization training to their customers and take adequate measure against the practice of cybercrime, such as transfer of funds through the ACH network and banking risk mitigation to enhance customers’ confidence.
Keywords: Cybercrime, Online transactions, Financial services, Customers, Confidence.
NOT EVERYTHING THAT COUNTS CAN BE COUNTED, AND NOT EVERYTHING THAT CAN BE COUNTED COUNTS: NIGERIAN BUSINESS SCHOOLS “WHAT HAS SCHOLARLY WRITING GOT TO DO WITH THE INDUSTRY PRACTITIONERS: WIDENING GAP BETWEEN SCHOLARS AND INDUSTRY PRACTIONERS IN NIGERIA
AYOZIE DANIEL OGECHUKWU (PhD)
Department of Business Administration, Federal University Lokoja, P. M. B. 1154 Lokoja, Kogi State, Nigeria.
It is the mantra in the academic world to either “publish or perish”. Without publications in peer review journals, and attendance in National and International Conferences, it is practically impossible for lecturers/tutors to proceed to the next career grade or promotion especially in Nigerian tertiary institutions. The current mantra “publish or perish” drives all faculty members and lecturers towards research and publication in reputable peer- reviewed “A” journals, Most especially in the universities. where the value of the publication is respected when it is in refereed “A” journals, preferably those which have achieved very high reputation. This paper is to examine the extent to which academic research papers must inform, educate, contribute to knowledge and entertain the practitioners who are engaged in practicals, either management or business work (industry practitioner). There are evidences in the western world of Europe, America and Australia especially, and in Africa that our management and business journals are neither read nor recognized by the industry practitioners. Do the practitioners and government officials even read or consult management journals in Nigeria?. The consequences for academics and other writers is that if our papers are not read by practitioners in the subject area then there is no need writing them. We can use the research papers for professional career promotion in their place of employment, but should this be the only reason?. We must try to write and publish our papers to meet the demands of academically related journals and publications, which will further our careers and also to use other outlets that are likely to be read by the industry practitioners. It is a somewhat difficult, but not an impossible task. The evidence from this paper especially from the United Kingdom, will lay semblance to what is obtainable in Nigeria. The readership of academic work most likely are disappointingly exclusive those in the academia. That if lecturers research writings must be useful, it must involve practical facts relevant to management managers, or industry practitioners who will invariably alter their reading habits to accommodate research writings. Managers must also contribute to research papers and journal articles, so as to make the journals attractive to bridge the marriage between the town and gown.
Keywords: Industry practitioners, Town, Gown, Academia Referred Journals
IMPACT OF AUDIT COMMITTEE ATTRIBUTES ON THE TIMELINESS OF FINANCIAL REPORTING OF LISTED FINANCIAL INSTITUTIONS IN NIGERIA
Department of Accounting, Federal University Wukari, Taraba State
Financial information is pivotal to making investment decisions, hence the need for firms to ensure that financial reports are presented in a timely manner. The study examined impact of audit committee attribute on timeliness of financial reporting of listed financial institutions in Nigeria. Audit committee independence, Audit committee size and audit committee financial expertise constituted the audit committee attributes under study. The study covered a period of 5 years starting from 2014 to 2018. A sample of 47 financial institutions listed on the Nigerian Stock Exchange was drawn from the total of 57 financial intuitions, giving a total of 235 observations. Secondary data were utilized in the study. The Hausman specification test conducted suggested the interpretation of the random effect regression. The random effect regression showed that, audit committee size and audit committee financial expertise are negatively and significantly impacting on financial reporting timeliness of listed financial institutions in Nigeria. In line with the outcome, the study recommended more membership of the audit committee should have financial expertise (at least 60%). In addition, large audit committee size is an effective mechanism for ensuring timely financial reporting.
Keywords: Timeliness of financial reporting, audit committee independence, audit committee size and audit committee financial expertise.
MODERATING IMPACT OF GOVERNMENT POLICIES ON AGRO CLUSTERS AND ENTREPRENEURIAL INNOVATION
OLALEKAN BUSRA SAKARIYAU; UMARU MUSTAPHA ZUBAIRU; & ISIAKA KOLAWOLE MUSTAPHA
Department of Entrepreneurship and Business Studies, Federal University of Technology, Minna Nigeria.
Extant literature has shown the inherent benefits of Agro Cluster (AC) approach to regional development, but a limited approach to the role of policy makers have been analyzed. This paper seeks to present a conceptual framework for future research carrying out reviews of the role of policy makers in using cluster approach effectively in regional development. This study is primarily a conceptual paper focusing on the methodology of conducting empirical research on the moderating role of government policy on the relationship between business cluster and entrepreneurial innovation (EI). Nonetheless, this paper draws on a database of reviews of relevant research previously conducted on the relationship between the AC, public policies and EI. Based on the reviewed literature, we identify three dimensions that defines the relationship between AC and EI as well as the role of government policies: initial capital, human capital and technological support. This framework provides a basis that scholars might use to guide the conduct and evaluation of the African Continental Free Trade Area (AfCFTA) agreement on the development of the Africa region and in Nigeria in particular. It is expected that this study will provide useful procedural direction that will enhance efforts in the field of research advancement. Our contribution to the emerging literatures on ACs and its benefits lies in the application of this conceptual framework in conducting an empirical research across the Africa continent. Also, based on our literature review and the conceptual framework, we set forth future research areas to guide scholars’ efforts.
Keywords: Agro-cluster; entrepreneurial innovation; government policies. AfCFTA
UTILIZATION OF ICT FACILITIES AS CORRELATES TO ADMINISTRATIVE COMPETENCE IN OGUN STATE LOCAL GOVERNMENT SERVICE COMMISSION
*TOLULOPE E. ADENEKAN PhD; & **BANJO, ABOSEDE OLUBUNMI
*Department: Office Information and Management, Lead City University, Ibadan. **Department: Office Technology and Management, Federal Polytachnic, Ilaro
Information and Communication Technology (ICT) is an indispensable tool in every day to day activity. Indeed, the inescapability of ICT utilisation has achieved quick changes in innovation, social, political, cultural and global economic transformation. It is on this vein, that the study examined utilization of ICT facilities as correlates to administrative competence in Ogun State local government service. Among the objectives of the study were to ascertain the extent of ICT facilities available for the administrative competence of office managers and to determine factors affecting the utilization of ICT facilities in the Civil Service Commission. Findings from the study revealed that the majority (81.7%) of the respondents affirmed the high availability of ICT facilities while (79%) also confirmed that they were adequately provided with the necessary machine to work effectively, the majority (89%) agreed that the staff were completely skilled in the use of modern office tools. Findings indicated the schedule of work demands the use of modern ICT equipment as agreed by (89%). The study recommends that office Managers should be trained and re-trained in the use of modern office machines and equipment so as to increase their administrative competence. Ogun State Local Government Service Commission needs to expose administrative staff to in-service training and ensure that a high standard of efficiency and productivity is maintained at all times.
Keywords: ICT facilities, Administrative Competence, Local Government Commission
ASSESSMENT OF ECONOMIC RELEVANCE OF MORINGA OLEIFERA TO ITS FARMERS AND MARKETERS IN KATSINA STATE
AISHA DANJUMA MUHAMMAD1; MUHAMMAD BUHARI1; & IBRAHIM ADAM TAHIR2
1Department of Business Education, Federal College of Education, Katsina 2Department of Biology, Federal College of Education, Katsina
This research assessed the economic relevance of Moringa oliefera to the farmers and marketers in Katsina state this was prompted due to inadequate information in terms of the quantity of leaves and seeds produced and the turnover of Moringa in the study area. The research is a survey where twenty-four(24) M.oliefera farmers and sixty-five(75) M.oliefera marketers respectively were randomly sampled within nine(9) local government areas selected from the thirty-four LGAs’.Survey and interview were methods employed for data collection from farmers and marketers in the selected local government Areas. It was found that majority of Moringa farmers and marketers in the study areas are aged and receive no assistance from the government. Just as there is difference between farmers prices and marketers prices of Moringa (t-cal 6.160 >t-tab 6.030 df 8 at 0.05 level of significance), so also is there a difference between the demand of Moring leaves and seeds in the state(t-cal 11.170 > t-tab 2.306 df 8 at 0.05 level of significance), implying that the business is not only gainful in the state but Moringa leaves are used for nutritional and medicinal purposes in the state. It was recommended that the state government should not only enlighten the youths on the need for Moringa farming and marketing but as well provide the needed assistance to Moringa farmers and marketers so as not to eliminate the production and marketing of the product in the near future in the state.
Keywords: Moringa oliefera, farms, markets, Katsina and survey.
Acknowledgements: The researchers of this work are hereby acknowledging Tertiary Education Trust Fund(TETFUND)for sponsoring this research under the Institution Based Research(IBR),equally Federal College of Education Katsina as well as the reviewers and publishers of this work are acknowledged by the researchers.
COVID-19 AS A TASK ENVIRONMENTAL FACTOR AND THE PERFORMANCE OF SMALL AND MEDIUM-SIZED BUSINESSES IN NIGERIA
*ABANG, STANLEY E; **OLALEKAN B. SAKARIYAU PH.D; & **MUKAILA A. IJAIYA PH.D
*Economics and Management Science Department, Nigeria Police Academy Wudil, Kano State Nigeria. **Entrepreneurship and Business Studies Department, Federal University of Technology Minna, Niger State, Nigeria.
Small scale businesses have been adjudge as the major contributor to the gross domestic product (GDP) of any economy be it developed or developing economy, but the survival and performance of these small scale business have been threaten by the COVID-19 pandemic as a task environmental factor, this threat is made worst when it is coming from outside the business environment that the venture manager have little or no control over. This paper examined conceptually, the effect of COVID-19 as a task environmental factor on the survival and performance of small and medium-sized businesses enterprise in Nigeria. The paper relies mostly on secondary documentations, where previous work done in this area of interest were down loaded and critically reviewed in line with the objective of the study. There is a convergent of thoughts among scholar that COVID-19 negatively affected SMEs performance and survival across the globe especially developing countries like Nigeria due to her over dependent of raw materials from abroad. Based on the reviewed articles, the paper recommends that, each country should adopt the control measure that suits its peculiar situation in curbing the spread of the virus (COVID-19 or any other disease) and not a universal method of total lock-down and travels band that negatively affect SMEs production and distribution capacity and crumble the entire production sector of the Nigerian economy with its attendance consequence
Keywords: Business performance and Survival, COVID-19, Environmental factors, Task environment, Small scale Business
EMPIRICAL ASSESSMENT OF THE IMPACT OF TELECOMMUNICATION INDUSTRY ON ECONOMIC GROWTH IN NIGERIA (1980-2018)
SALISU BABA MANU; MUSA ALIYU USMAN; & MAMUDA ABDU
Department of Economics, School of Arts & Social sciences, A.D. Rufa’I College of Education, Legal and General Studies, Misau. P.M.B. 004 Misau, Bauchi State Nigeria
This study examines the impact of telecommunication on the economic growth in Nigeria. The study includes telecommunication industry contribution to GDP, labour participation rate, capital trade openness and inflation rate to be the Regressor and economic growth to be the regression using a time series data from 1980 – 2018. The study’s model is based on Solow’s augmented growth theory. Thus, economic growth is estimated through autoregressive distributive lag (ARDL) approach to cointegration to achieve the set objective. The results showed that both in the short-run and long-run telecommunication sector had significant positive impact on the economic growth (GDP) in Nigeria. At the same time other determinants of economic growth such as labour participation rate and trade openness have significant positive impact on the economic growth in the long-run. Therefore, government should expand Tele-density and directly make telephone communication cheap and accessible. To achieve this goal more licenses should be given to G.S.M operators in Nigeria in order to allow for healthy competition among the G.S.M operators in the country.
Keywords: Telecommunication, Industry, economic growth, GDP
THE IMPACT OF COST INFORMATION AND COST ACCOUNTING SYSTEMS FOR PRICING DECISIONS IN NIGERIA TOURISM ORGANISATIONS
*HUSSAINI ABUBAKAR; **WILLIAMS OSAGIELE EBHOHIMEN; & *YAHAYA MAHMUD BAYA
*Department of Banking and Finance, the Federal Polytechnic, Bida, Niger State, Nigeria. **Department of Social Science, the Federal Polytechnic, Bida, Niger State, Nigeria.
The accounting literature reports that the ability to set prices efficiently for products and services is supported by an effective costing system. Prior research indicates the dominance of pricing methods using fixed and variable cost information and discusses the benefits of applying sophisticated costing methods to aid in pricing decisions. The purpose of this paper is to investigate the role of cost information and costing systems in the pricing decisions of tourism organisations. Data was collected via an online survey instrument from a range of Nigerian tourism organisations. Full cost information was found to have relatively greater importance. Customer oriented and short-term survival objectives were found to be the more important pricing objectives. Several correlations were found between sophistication of the cost accounting system and choice of pricing method and objectives. This paper contributes to the literature by providing an analysis of the role of cost information and cost accounting systems in pricing decisions within Nigeria tourism organisations.
Keywords: Cost information, pricing decisions, cost accounting systems, Tourism Industry
IMPACT OF SOCIAL SECURITY GOVERNANCE ON INFORMAL ECONOMY ACCOUNTS AND INCLUSION AS A TRADEOFF TO TAXATION IN ZARIA METROPOLIS, KADUNA STATE.
RISIKAT FOLASHADE SALAU
Economics Department, Federal College of Education, Zaria.
Social Security is essential in all spheres of community and societal life. The provision of social protection is needed to cushion the effects of socio-economic threats that occur in communities where households exist. The Good governance of Social Security would ensure its sustainability over the years and this is a major challenge in the informal economy as it strives on being elusive and difficult to capture and monitor. This study examined the possible indicators that can be used to measure Social Security to be Children support. Working Age Support, Old Age Support and Health Care Support. The researcher realized that all these areas of potential supports can make better the standard of living of most families because they have direct impact on the lives of every household within Zaria metropolis. The population of the study is all households within Zaria Metropolis and a survey of the population was done using simple random sampling techniques. A sample of 30 households was used in the pilot study. Questionnaires were distributed randomly and they were all retrieved. The data gathered was analyzed using SPSS 23 statistical package. The findings show that Children support Working Age Support, Old Age Support, Health Care Support, Education Support and Micro, Small and Medium scale Enterprises Support were all having significant relationships with Informal Economy Accounts and Inclusion although there are negative relationships between Working Age Support and Informal Economy Accounts and Inclusion.
Keywords: Social Security, Informal Economy, Taxation, Accounts and Inclusion
SUSTAINABLE ENTREPRENEURSHIP AND EMPLOYMENT FOR IMPROVED PRODUCTIVITY IN NIGERIA
AJUNWA FELIX OGECHI
Productivity Capacity Building (PCB) Department, National Productivity Centre, Headquarters, Abuja
This paper investigated the potency of entrepreneurship to generate employment, thus, underscoring the quintessence, significance and relevance of this sub-sector in the sustainable development of any given economy. The objective of the paper is to examine entrepreneurship, employment and sustainable development nexus in Nigeria. Data sourced from Central Bank statistical Bulletin, National Bureau of statistics, World Development Indicators and CIA Fact Sheet and other institutional publications to provide empirical basis for the study spanned from 1980-2013. The methodology adopted in this research is the use of co integration and Vector Error Correction Mechanism (VECM) which established the long-run and short-run estimates of the parameters. On the long-run estimates, employment (LEMPL) and average capacity utilization (LCAP) are found to be statistically significant implying that employment and capacity utilization can be generated through entrepreneurship for sustainable development. Industrial Production index (LINPI) on the other hand is wrongly signed implying that it does not contribute to LHDI (sustainable development) for the period under review. The short-run estimates also show the significance of the parameters in respect to LEMPL and LINPI. The error correction mechanism (ECM) is rightly signed and significant. It shows that the speed of adjustment of the model from short-run distortions to long-run equilibrium is about 12.7%. The diagnostic tests of unit root showed that the variables are integrated of order one, I (1). This means that though individually the variables are non-stationary, a linear combination of the variables was stationary, hence they are co-integrated. Based on the findings the study recommends that if the Nigerian government must revitalize its economy, reduce unemployment progressively, and generate more employment opportunities for sustainable development, a paradigm shift in policy that is critical to effective entrepreneurship development becomes imperative. This can be done through building more capacity utilization and creation of enabling environment for industries to thrive.
Keywords: Sustainable, Entrepreneurship, Employment, Improved Productivity, Development, Industrial Production and Unemployment.
ACCOUNTING RATIOS AS A VERITABLE TOOL FOR CORPORATE INVESTMENT DECISION DECISIONS; A STUDY OF SELECTED ORGANIZATIONS
OKEKE RAPHAEL CHUKWUMA; & ORAFU EBERE BENEDETH.
Accountancy Department, Federal Polytechnic, Oko
This study was carried out to investigate accounting ratios as a veritable tool for corporate investment decisions: A study of selected organizations in Delta State. A set of structured questionnaire was used as the instrument for data collection and administered on eighty (80) respondents of the organizations under study in Delta State randomly selected using Taro-Yemane formula, the sample size from a population of 100 is 80 respondents at 95% confidence level. Data analysis was made using simple percentage tables and hypotheses were tested using the pearson product moment correlation co-efficient and the t-test at 0.05% level of significance. The result showed that positive and significant relationship exists between accounting ratios and the study of liquidity position of an organization. The result also showed that positive and significant relationship exist between accounting ratios in providing avenue for examining the operational efficiency of management in an organization. It was concluded that accounting ratios are necessary for the performance and survival of an organization. The study, however, recommended that organizations should never base conclusion on ratio, non-recurring and extra-ordinary items whether profit or loss should be eliminated when computing ratios, interpretation of results according to the general business conditions and a host of others for effective application of accounting ratios for proper investment decisions in corporate organizations.
EMPIRICAL TESTS OF CAPITAL ASSET PRICING MODEL (CAPM) IN THE NIGERIAN CAPITAL MARKET
*ABDULSALAM AHMED; & **MOHAMMED YAHAYA MURTALA
*Department of Accountancy, School of Administrative & Business Studies, Adamawa State Polytechnic, Yola. **Department of Marketing, Purchasing and Supply, School of Administrative & Business Studies, Adamawa State Polytechnic, Yola.
This study examines the Capital Asset Pricing Model (CAPM) in the Nigerian Stock Exchange, (NSE) using monthly stock returns, the market index and the government Treasury bills rate as the risk-free interest rate. The study covers a period of 5 years from January, 2014 to December, 2018 which includes the recession time of Nigerian economy. The Beta of twelve companies listed on the NSE, the expected and actual returns were evaluated and compared. The finding of this study reveals limited applicability of the CAPM in the Nigerian Stock Exchange. Therefore, we conclude that the results are contrary to the CAPM standard theory (the expected return by CAPM not in equilibrium with the actual return), hence CAPM did not hold.
Keywords: Beta, Capital Asset Pricing Model (CAPM), Market Index, Risk free rate
TIME MANAGEMENT AND PERFORMANCE OF SELECTED MDAS IN BAUCHI: POST COVID REALITIES
MUSA IBRAHIM ABUBAKAR; AHMED, OTHMAN ALKALERI; & ZAKARI, FATIMA.
Department of Public Administration, School of Management Studies, Abubakar Tatari Ali Polytechnic Bauchi.
This study evaluated the relationship between time management and performance in selected MDAs in Bauchi state. Revenue growth, timeliness and effectiveness were used as measures of performance. The study adopted the cross-sectional survey in its investigation of the variables. Primary source of data was generated through self- administered questionnaire. The population of the study was the entire staff of the Bauchi Treasury Department (594), and Bauchi State Board of Internal (285). A total of workers were obtained from the Human Resources Department of the MDAs which represent the sample frame. The sample size was obtained using the Krejcie and Morgan (1970) table for determining minimum returned sample size for a given population. For our population, the table placed our sample size at two hundred and sixty nine (269). The sample size therefore is 269 and was be used for the study. The research instrument was validated through supervisor’s vetting and approval while the reliability of the instrument was achieved by the use of the Cronbach Alpha coefficient with all the items scoring above 0.70. Data generated were analyzed and presented using both descriptive and inferential statistical techniques. The hypotheses were tested using the Spearman’s Rank Order Correlation Statistics. Findings from the data analysis revealed that time management positively and significantly related with performance in MDAs in Bauchi state. The result of the findings recommends that the administrators of these MDAs should ensure they create a time consciousness environment which would ensure that the clients are satisfied with service within required time. This is because, the organizational performance will be seriously affected if the time management on job description are not followed seriously.
Keywords: Time Management, Performance, Timeliness, Effectiveness and Revenue Growth
FINANCIAL INCLUSION: IMPLICATION FOR ECONOMIC GROWTH AND DEVELOPMENT IN NIGERIA
OKOLOGUME, HENRY CHUKWUDI; & AKAMIOKHOR, ALIU CLIFFORD
Department of Banking and Finance, School of Business Studies, Federal Polytechnic, Auchi, Edo State, Nigeria
The study examined financial inclusion and its implications for economic growth and development in Nigeria from 1990 to 2019. The data used for this study were sourced from Central Bank of Nigeria Statistical Bulletin. The dependent variable of financial inclusion proxied as real gross domestic product (RGDP) was regressed on the explanatory variables, which were Financial Deepening Index [expressed as Broad Money Supply to GDP(FDI)], Commercial Banks Deposit From Rural Areas (BDR), Commercial Bank Loans to Rural Areas (BLR) and Commercial Bank Loan to Deposit Ratio (LDR). The Ordinary Least Square (OLS) model was employed to analyse the data. The statistical estimation of the OLS showed that Financial Deepening Index [expressed as Broad Money Supply to GDP (FD1)] has a significant positive impact on the dependent variable (RGDP) while Commercial Banks Deposit From Rural Areas (BDR), Commercial Bank Loans to Rural Areas (BLR) and loan to deposit ratio (LDR) have non-significant positive impact on the dependent variable (RGDP). The study concluded that provision of banking services in the rural areas will contribute positively to the economic growth and development of Nigeria. The study, among others, recommended that rural bank branches should be enabled to provide incentives to depositors and savers so as to encourage deposits and positively improve economic growth and development.
Keywords: Financial inclusion, rural banking, economic growth
AN ASSESSMENT OF THE IMPACT OF FINANCIAL RETURNS FROM TOURISM ON LOCAL, REGIONAL AND NATIONAL ECONOMIES
1IGNATIUS JOSEPH; 2KABIR LAWAL; & 2LAWAL KABIR TUNAU
1Department of Environmental Science, School of Environmental Science Technology, Federal Polytechnic, Mubi Adamawa – Nigeria. 2Department of Urban and Regional Planning, School of Environmental Science Technology, Federal Polytechnic, Mubi Adamawa – Nigeria.
This paper assesses the impact of financial returns from tourism on local, regional and national economies of selected case studies. Issues discussed in the course of this assessment includes: Tourism Gross Regional Product, Tourism Gross Value Added, Tourism Employment, Impact of Financial Returns to a National Economy, Impact on Gross Domestic Product (GDP), Direct impact of Travel and Tourism to GDP, contributions from Visitors Exports as well as Impact on Employment. Data was collected through a desk study. Finally, The study concludes that the impact or contributions of financial returns from tourism on local, regional and national economies serves as a source of income not only for the governments of the Countries concerned but also for the people living within a locality. Recommendations made includes the need to discover other sectors which can contribute large amount of financial returns to economies of nations, and that the national, regional, and local economy should first provide a good investment climate, featuring security and stability, regulation, taxation, finance, infrastructure and labour.
Keywords: Assessment, tourism, impact, Financial returns, Economy
AN INVESTIGATION ON THE DYNAMIC ROLE OF SECRETARIES IN AN ORGANIZATION (A CASE STUDY OF FEDERAL POLYTECHNIC BALI)
Department of Office Technology and Management, School of General Studies and Management, Federal Polytechnic, Bali.
An investigation into dynamic roles secretaries play is of utmost importance to any organization hence, the study was carried out to invest the dynamic roles secretaries play in organizations. The study is a survey research design in which 50 questionnaires were used to collect the data for the study. Arithmetic Mean was used to analyse the data which were presented in tables. The result of the analysis showed that Federal Polytechnic Bali secretaries are required to possess a minimum of National Diploma in secretary’s studies or related course; secretaries are responsible for maintaining files in the office and also that one of the important roles of secretaries is maintaining diaries and arranging appointments. The study thereby recommends that organizations should understand the pivotal and indispensable roles secretaries play in the growth and development of an organization hence; they should be treated with reverence. Their effectiveness or ineffectiveness has the capacity to increase or reduce productivity in the organization and also those Secretaries and their bosses should endeavor to build a good relationship so as to work more effectively.
Keywords: investigation, dynamic, role, secretary, organization
IMPACT OF MODERN TECHNOLOGIES IN TEACHING AND LEARNING FOR IMPROVE ACADEMIC ACHIEVEMENT IN FEDERAL POLYTECHNIC MUBI
HABU JINGI UMAR; HALILU HAMMAN; & NWADIUKO OKIKE AZU (MRS.)
Department of Office Technology and Management Federal Polytechnic, Mubi Adamawa State
This research Impact of Modern Technologies in Teaching and Learning for Improve Academic Achievement In Federal Polytechnic Mubi”The objectives of the study includes: to determine the role of Office Technologies in Learning OTM programme, to identify the type of Office Technologies in learning OTM Programme, to identify the problems OTM students face while undergoing the learning process and to proffer solutions to the identified problems. Data for this research were collected using primary and secondary sources. The researcher used simple mean statistical tool and standard deviation in analyzing the data. The findings of the study reveals that when modern technologies are adequately supplied in the department it will make teaching and learning OTM programme very much effective and efficient. It was concluded that the problems of learning OTM programme are faced by in adequate supply of office technologies, poor funding, erratic power supply and poor network services. Therefore, it was recommended by the researcher That the government under the Polytechnic authorities should ensure adequate funding of the OTM department, adequate supply of relevant office technologies for teaching and learning exercise so also the department should be connected with World Wide Web to improve the internet connectivity which will go a long way in the improvement of teaching and learning of the OTM programme in the Federal Polytechnic, Mubi. Adamawa State Nigeria.
Keywords: Modern Technologies, Teaching, Learning and Academic achievement
CHALLENGES OF NATIONAL INTEGRATION IN NIGERIA
GIDEON, VICTOR OLORUNFEMI Ph. D; & AGABA, ADAH EKOJA
Nigerian Institute of Social and Economic Research (NISER)
The amalgamation of the Northern and Southern protectorates of Nigeria in 1914 marked a turning point in the evolution of the entity called Nigeria. The effect of this development was the fusion of diverse political entities involved. The amalgamation broadened the national boundaries and merged North and South into one country but ignored the need to integrate the various people for the new administrative entity. National integration was supposed to promote national development as it would blur and ameliorate ethnic, religious, political and cultural differences and enable the people to acquire a sense of shared citizenship and common national consciousness. The 1914 Amalgamation was not followed by a general redrawing of the boundaries of the administrative divisions of the unified entity as was done in the case of protectorate of southern Nigeria and the colony of Lagos in 1906. The result of this paradox created bedevilling imbalance between Northern and Southern Nigeria. What seems to exist is the crises of marginalization and practice of sectional and tribal politics which have negative consequences on the socio-economic and political lives of the citizenry. Politics, ethnicity, religion and culture have great effects on national integration in Nigeria. Though Nigeria is a multi- cultural, multi-ethnic, multi- religious and multi- party country, the combined territorial boundary is expected to bound the different ethnic groups together as a nation. However, those factors have rather made national integration very difficult in Nigeria. Recommendations for the promotion of national integration in Nigeria include: The religious, ethnic-cultural and political differences that often plague Nigeria and thereby negatively affect its national integration and unity must be urgently addressed. The major religions and leaders must begin to emphasis the need to embrace peace within the multi-religious and ethno-linguistic pluralism. Secularity should be embraced as the best option that can uphold peace and harmony in Nigeria. Religious fanaticism should be avoided in order to pave way for re-designing Nigerian society. The government should respond to religious crises on time in order to arrest the situation. Leaders should strengthen existing policies that promote tolerance of other people. General issues of governance should not be religionized or tribalized to the detriment of the collective good and Nigerians must learn to love one another and imbibe the spirit of patriotism and nationalism.
Keywords: Challenges, Amalgamation, National, Integration, Nigeria.
THE EFFECT OF INFORMATION TECHNOLOGY ON THE PERFORMANCE OFFICE SECRETARISE
Department of Office Technology and Management, School of General Studies and Management, Federal Polytechnic Bali, P.O.M O5, Taraba State, Nigeria
We live in a digital world in which the amount of information available for human consumption doubles every year, as information users, we expect reliable information at our fingertips, continual connection to people wherever they are, and equipment that fit into a top pocket.
ANALYSIS OF CBN INTEREST RATE POLICIES, BANKS LENDING AND CUSTOMERS’ LOAN ATTITUDES IN ADAMAWA STATE
*ABUBAKAR MAHMUD BELLO; *MONICA SHADRACH; & **MUSTAPHA SULEIMAN
*Department of Accountancy, Federal Polytechnic Mubi, Adamawa State. **Department of Business Administration and Management, Federal Polytechnic Mubi, Adamawa State
This study is titled Analysis of CBN Interest Rate Policies, Banks Lending and Customers’ Loan Attitudes in Adamawa State. The objectives of the study are to assess whether interest rate policies have an impact on commercial banks’ lending activities and also assesses whether interest rate policies and customers’ loan attitudes are positively correlated. Field survey was adopted as a research design for this study. Data was sourced from both primary sources (questionnaire and interview) and secondary sources (textbooks, journals & internet). A sample of 10 respondents from 10 banks totaling 100 was taken for testing hypothesis 1 and 100 customers were taken for testing hypothesis 2. Chi-square and regression were used in testing hypotheses 1 & 2 respectively. Findings from the study reveal that interest rate policies have a positive impact on commercial banks’ lending activities and also that there is a positive correlation between interest rate policies and customers’ loan attitudes. The study recommends that the CBN should adopt and release interest rates that will boost the level of savings and encourage investment borrowing so that the Nigerian economy will pull out of the current recession it is currently in which is largely due to a general fall in global oil prices.
Keywords: Interest rates, policies, lending, correlation, investment borrowing
IMPACT OF CONSUMER ORIENTED SALES PROMOTION ON REPEAT PURCHASE IN NIGERIA: A STUDY OF MTN NIGERIA PLC, KANO
BELLO KASIM SANUSI
Department of Business Administration and Management, Federal Polytechnic Bali, Taraba State
The uncertainty surrounding the nature of the consumers’ responses to the promotional activities has necessitated this study. The main purpose of this study is to explore the impact of consumer-oriented sales promotion tools on repeat purchases of MTN subscribers in Kano metropolis. The study adopted a descriptive survey and targeted a population of 5,480,694 subscribers of MTN services in Kano metropolis. A sample of 384 respondents were served with a structured, adopted and modified questionnaires using simple random sampling technique through the use of Krejcie and Morgan (1970) table of sample size determination. To answer the research questions, four hypotheses are formulated: price discount, coupons, buy-on-get-one free, and free samples) have significant positive impact on repurchase intention. Data was analyzed using SPSS version 21 and regression analysis was used at 5% level of confidence to test the hypotheses, determine the effect and the relationship between variables under study. Findings from this study revealed a significant positive impact of three independent variables (buy one get one free, free sample and price discount) on the dependent variable (repeat purchase) while coupons promotion does not predict repeat purchase. Therefore, the study indicated that, MTN Nigeria Plc. should pay more attention on buy one get one free, free sample and price discount tools of sales promotion in order to influence subscribers to continue patronizing their services. In addition, the management of the company, through their marketing department, should embark on serious awareness campaign for mobile subscribers to fully understand the benefits accrued to using coupon through orientations and integrated media communication.
Keywords: Sales Promotion, Discount, Coupon, Free Sample, Repeat Purchase, Kano
ORGANIZATIONAL CULTURE, WORKPLACE BULLYING AND EMPLOYEES DEVIANT BEHAVIOUR IN SELECTED HIGHER INSTITUTIONS IN ADAMAWA STATE: A PROPOSED FRAMEWORK
ADAMU AHMED GIREI
Department of Business Administration and Management Federal Polytechnic Mubi
Deviant workplace behaviors of employees are directly harmful to the organization or to other employees in the organization that can range from relatively minor to very serious. Deviant workplace behaviors have a multiplier effect on institutional sustainability and growth as it determines success in the dynamic and technology driven environment. The proposed model suggests significant interaction between organizational culture, workplace bullying and deviant workplace behaviour. The model will contribute to a better understanding of an interaction between organizational culture and employees’ deviant workplace behaviour in Nigeria and other developing nations. The practical implication of the study is that public higher institutions administrators, and regulatory agencies such as the National Board for Technical Education (NBTE) and the National Commission for Colleges of Education (NCCE), Faculty and department staff stand a chance to benefit from the outcome of the study, it will also help in understanding the effect of organizational culture in their respective institutions in order to minimize the deviant workplace behaviour among its employees as well as the moderating role of workplace bullying on the relationship between organizational culture and workplace deviant behaviour. It is suggested that an empirical investigation should be carried out in future.
Keywords: Employees Deviant Behavior, Organizational Culture, Workplace Bulling
REGIONAL POLICING AND CRIME REDUCTION IN NIGERIA: (A CASE STUDY AMOTEKUN)
OKOYE MARTINA C.; & NNABUENYI CHRITOPHER CHUKWUNONSO
Department of Public Administration, Federal Polytechnic Oko, Anambra State
The foundation of policing in Nigeria today can be traced to colonial legacy. Colonial policies subjugated the existing traditional informal law enforcement order and forcefully imposed western idea of policing. Thus, policing within the context of oppression and gross misuse of power has been linked to western orientation. This imperial orientation is not only maintained and sustained by successive Nigerian administrations but also have serious implication for an effective policing in Nigeria. This paper identifies critical issues that are germane to policing in contemporary Nigeria. The paper further identifies some challenges that plague the police as an institution in the present democratic era. In spite of pervading problems and consequent challenges, the paper identities prospects in the sustenance of policing in the present democratic dispensation. To achieve this, the paper concludes with good governance in relation to police reform as strategies for an effective policing in Nigeria.
Keywords: Policing, Colonial legacy, Democracy, Good governance, Police reform
TOTAL QUALITY MANAGEMENT (TQM); A MEANS OF BETTER WORK OUTPUT IN NIGERIAN MANUFACTURING INDUSTRIES
AJAYI, PAUL OLUSEGUN
The Polytechnic, Ibadan, Ibadan, Nigeria
The study inquiries into the role total quality management plays in facilitate an organization output. It suggests that the management of an organization is determined by TQM and its application is complex and gives an assurance of good products and services. The study revealed that human, material resources and busines processes ensure complete customer satisfaction at every stage, internally and externally. The combination of TQM and effective leadership, results in an organisation doing the right things at the right time. For methodological purpose, the study employed expository and content analytics approach to extrapolate the relationship between TQM and the work output in manufacturing industries. It concludes that total quality management and service delivery in manufacturing industries in Nigeria shares common attributes and would be able to contribute successfully to the achievement of the organization aims.
Keywords: Total Quality Management, Quality Assurance, Manufacturing Industries, Organisation Output
IMPACT OF RECESSION ON THE PRODUCTIVITY OF ACHA FARMERS (A CASE STUDY OF TAFAWA BALEWA LOCAL GOVERNMENT AREA BAUCHI STATE)
OLALEKAN OLUKEMI OLUYEMISI; & MOHAMMED UWAISU HUSSAINI
Department of Banking and Finance, Federal Polytechnic, Bauchi –State.
This study investigated the impact of recession on the productivity of Acha farmers. The objectives was to find out the concept, causes, effects and the government intervention on productivity of Acha farmers during recession. The researchers reviews some relevant opinion of authors on the subject matter. For the purpose of this study , farmers in Tafawa Balewa Local government area of Bauchi State constitute both target and sample population respectively, for this study, one hundred and twenty (120) questionnaire were distributed for the purpose of data collection all were returned. Data collected were analyzed using the percentage method. Findings revealed that recession has negative impact on productivity of Acha farmers and the researcher further recommends that government should intervene during a recession to help Acha farmers to increase their productivity.
KEYWORDS: Acha, Recession, Productivity, Intervention