Gusau International Journal of Management and Social Sciences
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Pupils’ Perception on Gamification of Mathematics as a Tool for Technological Growth and Development in Kaduna State
Full text linkThe importance of Mathematics as a foundational subject for developing the creative technological ability of people has since been established, though this is hampered by the phobia of the subject and the archaic methods of teaching in Nigeria. Studies of educational computer games have experienced sporadic growth globally with numerous learning benefits as games have become a favoured activity of youths today. This paper assessed pupils’ perception of adopting a digital educational game as a supplementary educational tool in studying Mathematics in Kaduna North and South Senatorial zones. Primary school pupils’ outlook using four constructs namely motivation of the pupils, their attitudes, their cognitive development, and their expectations were discussed. The game requirements were generated from actual pupils with a sample size of 420 respondents. Data obtained were analyzed and represented using percentages, mean scores, and standard deviation. The results indicated that pupils’ opinions about gamification of Mathematics are mostly positive, which suggested that the game could be adopted as a supplementary learning tool in improving cognitive reasoning amongst pupils for technological growth and development
Effect of COVID-19 Management on the Usage of Electronic Banking Products and Customer Satisfaction in Enugu Metropolis, Enugu State, Nigeria
Full text linkThis study examined the impact of covid-19 pandemic on E-banking product usage and customer satisfaction in Enugu metropolis, Enugu State, Nigeria. The study adopted survey research design. The population of the study is 773000. The sample sizes of 15 respondents were selected using purposive sampling technique. Structured interview was used for data collection. Data was analyzed using qualitative technique. The findings revealed that covid-19 pandemic has positive impact on E-banking products usage. It was also found that covid-19 pandemic has a negative impact on customer satisfaction. Hence it was recommended that the Central Bank of Nigeria should enforce its operational guidelines on E-banking products to ensure that customers that use these products are not exploited by the banks and private operators and that their complaints are easily resolved. The policy makers and the stakeholders in the banking industry should ensure that policies are made for the continuous expansion of e-banking products in the study area, so as to increase the accessibility to the customers
The Role of Entrepreneurs in Business Management: A Case Study of Six Selected Small-Scale Business in Ika South, Agbor, Delta State
Full text linkThe study assesses the role of entrepreneurs in Business Management using six selected small-scale business in Ika North, Agbor. Data was gathered through the administration of structured questionnaires to a chosen sample of the respondents among the organization's work force. 103 sample size selected, which are equivalent to the total population was utilized. Tables and simple percentages were utilized to present and evaluate the data, while, chi-square test was used to test the hypotheses. According to the study's findings, an entrepreneur's managerial abilities have a favorable link with business management. Therefore, the study recommends that businesses should be emphatic on the idea of innovation into their operations, and that managers model some entrepreneurial traits in order to blend management with entrepreneurship, which would increase business productivity
In Examining the Impact of Trade and Industrial Policies on Manufacturing Sector in Nigeria (1980-2020): Do African Continental Free Trade Matters?
Full text linkThe Nigerian Manufacturing sector has been underplayed, despite trade and industrial policies put in place, it is possible that the African continual free trade could be a springboard to enhance the subsector. This paper uses the Structural Autoregressive model to examine the impact of trade and industrial policies on manufacturing sector in Nigeria between the periods of 1980-2020, and the possible role of African continental free trade. Data were drawn from secondary source. The variables used in this study include, exchange rate, tariffs, capital, labour and trade openness; while manufacturing output (MO) is used to proxy the performance of manufacturing sector. After accounting for structural breaks in the series and ensuring the stationarity properties of the series. From the short run result, the current and past lagged tariff are not in line with theories, a 1% increase in tariff will leads to a proportionate increase in manufacturing subsector by 0.88% and 0.19% concurrently. The result further revealed that past exchange rate has an insignificant effect on manufacturing productivity, implying that a 1% rise in current and past exchange rate leads to a fall in manufacturing output by 0.04 % and 0.05 %, concurrently. The result of the variance decomposition shows that Shocks to tariff accounted for the second most significant variations in manufacturing productivity, with progressive increase noticeable over time. The impact rose from 18.0 % in the first year to as high as 62% in the tenth year. The result of impulse response function revealed that manufacturing productivity responding to its own shocks, tariff, exchange rate and capital are positive. The expansionary effect of exchange rate and tariff devaluation on manufacturing productivity was established in Nigeria. The findings are suggestive of African continental free trade is strong precursor to drive trade and industrial policies in Nigeria and enhance manufacturing output
Competitive Strategy, Organizational Learning and SMEs Performance
Full text linkOrganizational learning and competitive strategy have been one of the most significant topics for discussion in Small and Medium Enterprises (SMEs) context. However, this service-based contemporary organizations, i.e. SMEs, and their key strategic tasks are investigated in this domain. The study investigates the mediating effect of competitive strategy towards the relationship between organizational learning and SME performance. From the population of 3,477 service-based SMEs in Brunei Darussalam, 275 valid responses were collected from the questionnaire survey. The collected data was processed using SMART Partial Least Square (PLS) – Structural Equation Modelling software to analyze the measurement model, namely the reliability and validity of data, as well as structural model assessment for hypothesis testing. The results revealed using Preacher and Hayes mediation analysis a momentous effect of organizational learning on SME performance. The study found using structural model evaluation, organizational learning as having significant positive impact on SME performance (β = 0.207, t = 2.843, p < 0.004). From these findings, this paper not only offers useful implications for SME owners/managers by outlining the importance implementing organizational learning based on the appropriate competitive strategy, but also made theoretical contributions to the body of knowledge in the field of strategic management, under SMEs context. Finally, this paper recommended other combinations of organizational factors as potential future research
Consumer Purchase Pattern and Price Changes of Luxury Goods in Port Harcourt
Full text linkThis study seeks to examine the relationship between consumer purchase pattern and price changes of luxury goods in Port Harcourt. The study adopted the survey research design. The Cochran sampling formula was used to randomly select 600 consumers of luxury goods out of infinite numbers of consumers across Port Harcourt. Data analysis was done using descriptive statistics of mean and standard deviation, while inferential statistics of Pearson product-moment correlation coefficient (PPMC) were used to test the stated hypothesis. The findings revealed that there is positive relationship between quality products and impulse purchase Patterns of luxury goods in Port Harcourt. In conclusion we observed that prices of luxury goods change from time to time due to competition; seasons change the prices of luxury due to bumpy investment and the purchasing power of the consumers. The location of luxury goods also serves as an intervening factor in determining the purchase of the product. Therefore, the study recommends that manufacturers and dealers of luxury goods should pay attention to the quality of their products as it is the key to patronage of their products
Impact of Financial Intermediation by Deposit Money Banks on the Real Sector of the Nigerian Economy (1989 – 2021)
Full text linkThe empirical paper is an impact assessment of financial intermediation of the Deposit Money Banks (DMBs) on the growth of the real sector of the Nigerian economy. The theoretical basis for the study was obtained through review of related literature. The study employs unit root test, co-integration and Vector Error Correction (VEC) model using real GDP growth rate as the dependent variable and credits to private sector (CPS), average manufacturing capacity utilization (AMCU) and inflation rate (INFR) as independent variables from 1989-2021. The research finding established that credit to private sector contributes significantly to real sector growth in Nigeria. The study further found that both the average manufacturing capacity utilization and inflation rate do exert a significant effect on real sector growth in Nigeria. The study recommends for a sound public policies to stimulate the supply of basic infrastructure, reward DMBs for providing large loans to private sector, improve security of lives and properties and discipline monetary and fiscal policies in order to enhance real sector growth
Relationship between Government Expenditure on Security and Exportation in Nigeria
Full text linkThis research work examined the impact of Government expenditure on security and export in Nigeria for the period 1986-2020. In a bid to actualize the main objective of the study, data were collected from secondary sources such as 2020 editions of CBN statistical Bulletin and National Bureau of statistics. The model of this study was built based on Keynesian National income model and data were analyzed using the Vector Autoregresssive Technique. The result of the study showed that one lagged period of export (ln(EPT(-1)) has a direct and significant effect on export performance in Nigeria. The result further established that two lagged period of government expenditure on emergency care (ln(GSE(-1)) has no significant, but positive effect on export performance. The result proved that one lagged period of government expenditure on Amnesty (ln(GSA(-1)) has no significant, but positive effect on export performance. The finding also show that one lagged period of government expenditure on Ammunitions (ln(GSM(-1)) is positive and statistically significant on export performance. The study recommends that governments should introduce policies that will promote exports through effective spending on security and infrastructural development; while firms should be encouraged to spend more on fixed capital which include properties, plants, and equipment
Credit Risk Measures of Quoted Manufacturing Firms in Nigeria: Further Findings
Full text linkThis study examined credit risk measures and financial performance of quoted manufacturing firms (QMFs) in Nigeria for the period 2008-2020. Annual secondary series was sourced from audited financial reports of 16 QMFs; making a total of 208 observations. The independent variables used to measure credit risk are default risk, operational risk and recovery risk while the dependent variable, return on asset, is a measure for financial performance. Unit root test was applied to test for stationarity of the variables, Hausman test for independency of the explanatory variables from random effects, and the Fixed Panel Ordinary Least Square (POLS) to test for the relationship between the variables, at the 5% level of significance. From the estimation, the panel unit root test show that all the variables are integrated at level. The Hausman test shows that the random effects are correlated with the explanatory elements. The Fixed POLS show that default and exposure risks are negative but statistically significant; while recovery risk shows negative and insignificant association with ROA. In conclusion, default risk and exposure risk are the key underlying credit risks facing QMFs in Nigeria. Subsequently, the study recommends that manufacturing firms should seek out credit insurance on their invoices, or ensure guaranteed payment using banks as third parties or adopt early short term payments by giving discounts to their customers or the use of debt factoring. Secondly, proper and thorough credit analysis should be conducted on current and new customers before extending credit to them. As regards exposure risk, payments for transactions should be hedged against inflation and exchange rate risk; more so, manufacturing firms should design friendly and flexible credit policies based on industry standards or competition to ensure clients are accountable
Effect of Credit Risk on Financial Performance of Listed Deposit Money Banks in Nigeria
Full text linkBanks are the largest financial institutions, with numerous branches and subsidiaries around the globe. However, the business of banking is not without drawbacks. Credit risk is one of the major threats facing the banking industry. This is due to the fact that money deposit banks derive a significant portion of their income through granting of credit. This study examines the effect of credit risk on financial performance of listed money deposit banks in Nigeria. The study utilized return on equity (ROE) as proxy for financial performance, while credit risk was represented by non[1]performing loan ratio (NPLR), loan loss provision (LLP), capital adequacy ratio (CAR) and; loans and advances to total deposit (LATD). The study adopts correlation research design and utilized secondary data extracted from the published accounts of the 14 listed money deposit banks in Nigeria from 2011 - 2020. Multiple regression was used for data analysis and results revealed LLP and CAR as having a direct and significant relationship with ROE, while NPLR and LATD have an insignificant effect on ROE. The study therefore recommends among others that quoted money deposit banks should raise the loan loss provision reserves to enable them give additional loans and absorb credit losses if they arise