Gusau International Journal of Management and Social Sciences
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Assessment of Knowledge Acquisition through Blended Learning among Pre-service Social Studies Teachers
Full text linkThe new normal has increased the call for innovative pedagogies to drive learning outcomes. A structured questionnaire (a = .731) was administered to 339 Social Studies students in Nigeria, four questions were answered using descriptive statistics and findings emphasised the use of digital learning resources, teamwork and flexible study in blended learning. The study revealed that student empowerment on the use of digital learning resources such as Zoom, Google Drive and Meet increase learning habits and promote a proactive engagement. It is however recommended that quantitative studies should be conducted to leverage emerging technologies in cross border interactions amongst Social Studies professionals in pursuing 21st century skills, future studies should include skill assessment
Impact of Contribution Levels on Pension Fund Performance in Nigeria
Full text linkPensions provide a steady income source for employees after retirement, typically determined by factors such as age, salary, and years of service, and are generally paid monthly. They are essential for retirees' financial security and play a significant role in a country’s economic growth, fostering development within the pension sector. This study examines the impact of contribution levels on the performance of pension funds in Nigeria. Using secondary data from twelve licensed Pension Fund Administration companies over a decade (2012–2023), the research applies a purposive sampling method to identify key factors influencing pension fund performance. It specifically investigates the relationship between financial indicators and pension fund outcomes. Interestingly, the findings challenge the common perception that larger funds with higher contributions naturally have superior investment resources and, therefore, better performance. Instead, while fund size and contribution levels are important, they do not directly determine performance; factors such as governance quality, management efficiency, and economic conditions play a more significant role. Pension funds with substantial contributions may still underperform if poorly managed or heavily invested in low-performing sectors. The study suggests that contribution levels should be evaluated in tandem with the macroeconomic context, ensuring performance expectations are not solely based on fund size
Testing the Dynamic Affiliation among Financial inclusion, Energy Poverty, Environmental Degradation and Economic Development in the Selected African countries: Evidence of Panel Data Analysis
Full text linkEnergy is necessary for "cooking, lighting, and other business activities" and plays a vital part in daily living, in order to eradicate poverty in developing nations, affordable energy availability is a must. The study investigates the dynamic affiliation among financial inclusion, energy poverty, environmental degradation and economic development in the selected African countries using panel data analysis. The study used panel data for Nigeria, Ghana, Gabon and Niger from 2005 to 2021. The study employed fixed effect model. The panel unit root tests show that real gross domestic product, automated teller machine, depositors with commercial banks, and energy poverty are integrated of order one, while CO2 emission is integrated of order zero. The fixed effect model shows that automated teller machine, depositors with commercial banks and CO2 emission have positive and statistically significant effect on the real gross domestic product in Nigeria, Ghana, Gabon and Niger. While Energy poverty has a negative, but statistically significant effect on the real gross domestic product in Nigeria, Ghana and Gabon. The study recommends that in order to reduce energy poverty and environmental degradation in the region, African nation particularly Nigeria, Ghana, Gabon, and Niger should make sure that their citizens have access to affordable, readily available electricity. Policymakers and governments in Africa must create inclusive, well-directed financial policies that take into account the disparities in income, governance, and laws among their nations
Desiring Omelette Not Breaking the Egg: Democracy, Elections and Good Governance in Africa
Full text linkThe quest for good governance, development, and good life for the people which African leaders hoped will be propelled by democracy prompted them to embrace western liberal democracy However, the objective condition in many African countries reveals fundamental gap between expectations and the realities. In line with these actualities, this paper examines the differences between Africans desire for democracy and the attendant expectations and the present reality and reasons for the chasm. It examines election and electoral issues as factors in democracy and good governance. In doing this, the paper adopts content analysis of data gathered essentially from secondary sources and adopts good governance theory. The paper contends that although African leaders and people are desirous of good governance and has put in place democratic structures expected to achieve good governance, these democratic institutions, and structures; the contents and processes have not vivified good governance. It argues that the challenges of democracy and good governance in many African countries are poor election and electoral system. This is because the democratic structures and the manner of conduct of elections characterized by corruption, violence, lack of adequate ideological depth on the part of political parties and service-oriented approach to politics, personalization of, and under-performing institutions among other factors negate the principles of democracy and cannot produce good leadership and good governance. The paper concludes that though multi-party elections have been held in many countries in Africa since 1990, the quality of these elections for the advancement of democracy and by extension good governance has generated concerns and query the sense of optimism for multi-party elections. It therefore argues that for African countries to achieve the desirous goals and benefits of democracy, good governance and development, elections must be free, fair, and conducted regularly. Also, political parties and democratic institutions and structures must be adequately strengthened to function properly. 
Financial Inclusion and Financial Literacy: Implication to Persons with Disabilities (PwDs) in Funtua Local Government
Full text linkFinancial inclusion is a global initiative designed to bring on board the unbanked or financially excluded segment of the population into financial sector. The present study examines the nexus between financial inclusion and financial literacy, and possible implication to persons with disabilities in Funtua local government. Quantitative research designed was adopted, and primary type of data is employed which include questionnaire, interview and focus group discussion. Cluster sampling technique is used in the study, where two (2) groups of persons with disabilities are selected; these are blind/visual impaired and physically impaired. The population of the study covers all persons with disabilities in Funtua, while ninety (90) respondents are selected from the two groups to represent the whole population. Table, percentage, OLS regression and Pairwise correlation were employed as methods to analyse the data. The study has failed to established financial literacy as an impediment to the realization of financial inclusion agenda, most especially to persons with disabilities; rather it is the low level of income, poverty and unemployment that contribute significantly to low access to financial services or financial inclusion. Unexpectedly, the study found a high financial literacy among PwDs which was attributed to advancement in communication technology and digital financial economy initiated by government, particular period after Covid-19 lockdown. Therefore, the study recommends that government should create employment opportunities targeting mainly PwDs, this will go a long way in ensuring regular income and poverty reduction. Also the need for Banks to improve on services provision and to overcome all challenges related to network glitches, so as to restore confidence on the Banking system and make their products and service more accessible and attractive
Strategies for the Implementation of Environmental Protection Regulations towards Sustainable Waste Management in Oyo State
Full text linkThe pursuit of effective strategies for implementing environmental protection regulations towards sustainable waste management in Oyo State is a critical challenge. The state amidst its burgeoning population and economic activities, grapples with the generation of substantial waste, emphasizing the urgency for robust waste management strategies and the absence of comprehensive and well-executed waste management initiatives in the state poses a serious threat to the ecosystem, public health, and overall environmental sustainability. Therefore the study assessed strategies for the implementation of environmental protection regulations towards sustainable waste management in Oyo State, Nigeria. The study unit was drawn from the Oyo State Ministry of Environment and Natural Resources, Oyo State Waste Management Authority, Mottainai Recycling Limited Ibadan, and the Oyo State Local Government Environmentalist. The population for this study was 369, while the sample size was 191 derived using Krejcie and Morgan (1970) sample size determination formula. An in-depth interview was conducted to complement respondents’ opinions. Findings from the study showed that Oyo State has approved the establishment of dumpsites, awareness campaigns and educational programs focused on environmental conservation in the state. The study also revealed that there is implementation of penalties and fines for improper waste disposal. The study recommends that the Oyo State Government should establish a recycling plant to facilitate the conversion of waste into valuable resources and enhance robust public awareness and education campaigns, including the strengthening and enforcement of waste management regulations with stiff penalties for violations, to deter illegal dumping and improper waste disposal
Women in Climate Change Crises Solutions: Centrality and Empowerment for Resilience
Full text linkThis study examines the crucial role played by women in fighting climate change crises and underscores the urgent need for their empowerment. Recognizing the complex challenges faced by women, including health risks, violence, displacement, and limited access to resources, the study delves into the underlying systemic factors intensifying their vulnerability. While adopting Radical Feminism theory as a lens, we acknowledge the importance of considering intersecting factors such as race, class, and geography in understanding women's experiences. Drawing from a comprehensive analysis of secondary sources, the study explores the ways in which women, despite their vulnerability, emerge as key agents of adaptation and resilience. Through their traditional roles in resource management and caregiving, women often lead efforts to mitigate environmental degradation and develop adaptive strategies in the aftermath of crises. Notably, our findings highlight the relationship between female leadership and effective crisis response, as evidenced by the instantaneous and decisive actions taken by states led by women during the COVID-19 pandemic. In light of these insights, the study proposes plausible recommendations for empowering women in the face of climate change crises. These include the establishment of gender-sensitive projects, support for women in green economies, and the promotion of women's participation in decision-making processes. Moreover, the study emphasizes the importance of integrating gender considerations into resilience-building efforts and increasing funding for initiatives addressing gender-specific vulnerabilities. By amplifying the centrality of women in climate change solutions and advocating for their empowerment, the study aims to foster greater resilience in the face of environmental challenges
Assessing the Drivers and Inhibitors of Entrepreneurial Growth in North Western Nigeria: A Study of Zamfara Metropolis
Full text linkThe study assesses the drivers and inhibitors of entrepreneurial growth in North-Western region of Nigeria using the case study of Gusau metropolis Zamfara State. Primary data was obtained through administering questionnaires where the identified population under investigation was sixty one registered entrepreneurs within Gusau metropolis. The study adopted krejcie and morgan (1970) to determine the sample size, where a sample of (51) entrepreneurs via questionnaire were selected and analyzed using multiple linear regression model (MLRM). Findings from the study reveals that raw materials accessibility, government support policies, entrepreneurship education and training and network opportunities are the drivers of entrepreneurial growth, while banditry, economic recession and financial constraint impacted entrepreneurial growth negatively. The study recommends among others that to enhance and foster entrepreneurial growth, it is crucial that Government of Zamfara should establish small scale financial organization at the local level within the metropolis to make it simpler for entrepreneurs to obtain capital
The Impact of Digital Banking on Financial Inclusion in Nigeria (2000-2022)
Full text linkThis paper examines the impact of digital banking on financial inclusion in Nigeria from 2000 to 2022. The objectives of the study focuses on the effects of digital banking adoption, the regulatory environment, internet access, financial literacy, and income levels. The estimation techniques employed include the Johansen co-integration and error correction model. The Johansen co-integration analysis reveals two co-integrating equations at the 5% significance level, indicating long-run relationships between factors influencing financial inclusion in Nigeria, specifically Digital Banking Adoption (DBA), Regulatory Environment (REG), Internet Access (INT), Financial Literacy (FL), and Income Levels (INC). The F-statistic (41.74294) and its significance confirm that the independent variables collectively explain a substantial variation in financial inclusion. The findings show that digital banking adoption, regulatory frameworks, internet access, financial literacy, and income levels significantly influence financial inclusion in Nigeria. The paper concludes that digital banking, supported by regulatory frameworks, internet access, financial literacy, and income levels are essential for enhancing financial inclusion, with a multi-faceted approach needed to foster sustainable economic growth and reduce inequality in Nigeria. Based on the findings, the paper recommends that the government focus on enhancing digital banking, refining regulations, expanding internet access, promoting financial literacy, and addressing income inequality to improve financial inclusion in Nigeria
Salient Foreign Policy implications of Nigeria’s Role in Regional Integration and Peacekeeping in Africa
Full text linkNigeria has made more contributions than any other nation on the African continent to the decolonization and complete independence of Africa, in addition to supporting the preservation of political stability, security, and peace in several African nations. Among those nations are Congo, Chad, Ivory Coast, Mali, Liberia, Somalia, and Sierra Leone. Because of this, the global community praised Nigeria's efforts to keep the peace in some of the region’s most volatile areas. Some of these nations that benefited from Nigeria's kind gestures returned them with ingratitude. In light of this, this study looks at Nigeria's regional integration and peacekeeping and their consequences for the nation's foreign policy. The study utilized secondary data obtained from books, newspaper articles, bulletins, textbooks, journal articles, internet resources, and e-books, which were consulted for the purpose of this study. The Hegemonic Stability Theory by Kindleberger (1973) was used to interrogate the concept for understanding Nigeria’s regional integration and peacekeeping efforts. Findings from the study show that Liberia, Sierra Leone, and other West African nations do not recognize Nigeria's contributions to the peace process in the region, which is why they voted against the country’s application for and pursuit of a non-permanent seat at the United Nations Security Council. Consequently, the study recommends that Nigeria should exercise greater diplomacy and reason when determining whether to participate in peacekeeping efforts both within and outside the African continent