Nnamdi Azikiwe University Journals
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DETERMINANTS OF BLOCKCHAIN ADOPTION IN SUPPLY CHAIN RISK MANAGEMENT IN DEVELOPING ECONOMIES: EVIDENCE FROM NIGERIA
No full textThe study investigated the key factors Influencing blockchain technology in supply chain risk mitigation in developing economies with specific consideration of Nigeria. The study employed a survey methodology approach with a sample size of 81 structured questionnaire, through primary method of data collection among relevant stakeholders in the supply chain operations, experts including logistics managers, sourcing officers, transportation managers, and policymakers. Multiple regression was used as a technique for analyzing data, and SPSS was used as the tool of the analysis. The study’s findings suggest that a supportive regulatory environment demonstrates a vital role in the successful adoption of blockchain technology in supply chains. Developing economies often face challenges related to regulatory uncertainty, which can hinder the adoption of innovative technologies. Governments and regulatory bodies actively promote policies that facilitate the use of blockchain for risk mitigation by providing clear guidelines, incentives, and addressing legal challenges businesses are more inclined to adopt such technologies. Regulatory support also fosters trust among supply chain partners and increases the confidence of stakeholders. The study recommends to foster the adoption of blockchain technology in supply chain risk mitigation, it is essential to improve the technology infrastructure in developing economies. The government and private sector should collaborate to invest in robust digital systems, ensuring reliable internet access and technological tools that support blockchain solutions
EFFECT OF SOCIO-PSYCHOLOGICAL FACTORS ON VOLUNTARY TAX COMPLIANCE IN GOMBE STATE
No full textTax authorities across the world have struggled with the question of why people voluntarily comply with tax laws. To have a better insight into the phenomena, this study explores how religiosity, moral reasoning, perception of government and peer influence affects voluntary tax compliance behaviour of self-employed. Surveying 367 self-employed individuals, the results of regression analysis showed that religiosity and peer influence have significant positive impact on voluntarily tax compliance. However, the finding of the study revealed that moral reasoning and perception of government have no significant impact on voluntary tax compliance. This study recommends that government should also engage in massive campaign that will highlight the importance of paying taxes to individuals and also emphasises the religious injunctions on tax evasion since level of religiosity was found to have an influence on voluntary tax compliance behaviour
CAPITAL MIX AND FINANCIAL PERFORMANCE OF DEPOSIT MONEY BANKS IN NIGERIA
No full textThis study looked at how the banking sector\u27s capital composition affected its performance in Nigeria. The objectives of the study were to examine how debt-to-equity ratio affects credit to the private sector (CPS), and evaluate how debts-to-total assets relate to CPS in Nigeria. The study used annual data from 1960 to 2021, sourced from World Development Indicators. It adopted autoregressive distributed lag (ARDL), fully modify ordinary least square (FMOLS) and generalized method of moment (GMM).The results showed that effective management of debt finance can greatly increase private sector\u27s access and availability to credit, which may in turn foster economic expansion. The CPS is positively impacted by both ratios of debt-to-equity and debt-to-total assets, and hence conclude that the crowding-out theory does not hold in Nigeria. The paper argues that tax benefits play a crucial role in driving the increased use of debt for credit provision. Policymakers should boost tax incentives for debt financing while ensuring robust risk management practices that prevent excessive leverage and maintain financial stability. Regulatory authorities, like Nigeria’s Central Bank (CBN), should set up guidelines that promote optimal leverage ratios, striking harmony between debt and equity to support long - term financial results
FINANCING HEALTH INSURANCE AND HEALTHCARE DELIVERY IN NIGERIA
No full textThe study examined the impact of financing National Health Insurance Scheme (NHIS) on healthcare delivery in Nigeria during the fourth republic. Descriptive survey research design was employed for the purpose of data collection analysis and interpretation. Similarly, secondary data were sourced from the repositories of Federal Ministry of Health, Teaching Hospitals, NHIS and Health Maintenance Organisations (HMOs). Out of a total of 2,708 questionnaire administered to enrollees and non- enrolees across the six geo-political zones of the federation, 2120 were completed and returned properly. Simple percentage and frequency distribution were used for the analysis of research questions. The findings of the study revealed that there has been low level of awareness about NHIS among respondents. Similarly, there is poor healthcare service delivery in public hospitals due to poor funding. The study recommends for increase budgetary allocation to the health sector and manpower strength of the scheme, institutionalization of financial transparency and accountability by managers of the scheme
ENTREPRENEURIAL TRAIT AND PERFORMANCE OF HOSPITALITY INDUSTRY IN ANAMBRA STATE, NIGERIA
No full textThis paper investigated in Anambra State, Nigeria, the influence of entrepreneurial qualities and performance of entrepreneurship in the hotel sector. The study looked at how extraversion traits affect performance in the hotel sector in Anambra State and neuroticism influences task performance. Review of recent literature under conceptual, theoretical, and empirical lines was done. The study based itself on The Upper-echelon theory. The project used a descriptive survey research methodology. This study made use of a structured questionnaire with five Likert scale answer system. This study\u27s population was unbounded. The sample size of 384 was found by using a Cochran statistical technique. There was face and content validity applied to the instruments. Cronbach\u27s Alpha and the test-retest helped one to establish the questionnaire\u27s dependability. Research question analysis was done using basic percentage analysis. Simple regression analysis helped to test hypotheses for the investigation. The results of the studies demonstrated that the task performance of the hotel sector in Anambra State, Nigeria, is much influenced by the neuroticism feature. The performance of the hotel sector in Anambra State, Nigeria, benefits much from extraversion attribute. Performance hospitality business in Anambra State, Nigeria, benefits much from openness to experience. The study came to the conclusion that performance of the hotel sector in Anambra State, Nigeria, was much improved by entrepreneurial attribute. Based on the investigation, the study reommended the hotel sector to pay attention to their neuroticism quality. Should the attributes not be appropriate for the company, one can enter another company depending on their personality type. Management of the hotel sector created extraversion of business in different ways to enhance the performance and expansion of the sector. The hospitality sector should pursue openness to experience that enhances the performance of the sector and boosts national economy, therefore influencing the financial turnover of the sector
ARTIFICIAL INTELLIGENCE (AI) SKILLS AND JOB PERFORMANCE OF OFFICE MANAGERS IN PUBLIC ORGANIZATIONS
No full textThe study examined Artificial Intelligence (AI) skills required by office managers for effective job performance in public organizations. Two research questions and two hypotheses were raised. The study approach used was a descriptive survey. The target population comprised all the office managers (Secretaries) from the Ministries of Education, Commerce, Finance, Agriculture, and Community Development in Oke-Mosan, Ogun State. A sample size of 50 office managers was chosen using the purposive sampling approach. Self-developed questionnaire with 0.87 as reliability coefficient was adopted for data collection. The mean and standard deviation were used to answered research question 1. PPMC was used for research question 2. The t-test was used for testing hypotheses. The findings of the study revealed that machine learning skills, critical thinking skills, communication skills, problem solving skills, analytical judgement skills, programming skills, creativity skills, computing skills, data analysis skills and domain knowledge skills were among Artificial Intelligence (AI) skills required by office managers in public organizations. There was positive significant relationship between the independent variables (Artificial Intelligence (AI) skills) and the dependent variable (office managers job performance) in the order of (r = 0.460, P<.05). It was recommended that government ministries should make an effort to set up programs for training and development that would help office managers work more effectively by acquiring new skills
PHYSICAL INFRASTRUCTURE AND PERFORMANCE OF TEACHERS IN PUBLIC JUNIOR SECONDARY SCHOOLS IN LAGOS STATE
No full textWork environment is a crucial factor that determines the performance level of employees within organizations. There are however a few studies on how some aspects of physical work environment [influence teachers’ performance. In the light of the foregoing, this study was carried out to empirically examined how physical work environment relates to the performance of teachers in selected public junior secondary schools in Lagos State. A survey approach was used in this study to reach this goal. Teaching staff of the schools made up the population. Using the Yamane sample determination formula, a sample of 138 was determined from a population of 210. Data were gathered using a structured questionnaire and multi stage sampling technique was used. Using SPSS version 20, Pearson Product Moment was deployed for the analysis. The analysis of the data showed that there is a positive relationship between lighting and effectiveness, also a positive relationship exists between furniture and efficiency. The study draws the conclusion that there is a positive relationship between physical work environment and teachers performance in the study areas based on the findings. The study recommended among others that government should assist in enhancing teachers’ performances through the provision of enabling physical work environment.
 
CONCEALMENT OF HEALTH INFORMATION AND PREVENTABLE MORTALITY: EXAMINING MEN’S RELUCTANCE TO HEALTH STATUS DISCLOSURE
No full textThis study examines the factors contributing to concealment of health information among men, and its relevance towards preventable mortality within the psychological, social, cultural, and economic contexts. The study was carried out in Anambra State South Senatorial District, Nigeria and anchored on the Health Belief Model (HBM) and Hegemonic Masculinity Theory (HMT). The study expands theory by incorporating economic and socio-cultural factors, providing strategies to mitigate mortality associated with hidden health conditions. With a cross-sectional survey approach, data were collected from 400 respondents sampled through multistage sampling using a validated 5-point Likert scale instrument. Data were analysed using mean and standard deviation calculations. Study findings show that men more often conceal illnesses from fear of being ridiculed, considered weak, and because of financial constraints. This supports HBM’s psychological dimensions and HMT’s focus on masculine ideals. It concluded that most men conceal their health status primarily due to show of masculinity. The study recommended interventions such as community-based programmes focusing on economic concerns and stigma abstinence, campaigns promoting positive masculinity that redefine strength, and collaboration with religious and cultural figures to change norms regarding disclosure
PERFORMANCE OVERVIEW: INSIGHT FROM MONIEPOINT INC.
No full textAs Nigeria continues to emerge as Africa\u27s fintech epicenter, fintech firms face both growth opportunities and sustainability challenges. The study adopts a quantitative descriptive research design, utilizing secondary data from audited financial reports, regulatory sources, and ESG disclosures between 2022 and 2024. Key performance indicators analyzed include revenue growth, transaction volume, agent network coverage, and ESG compliance. Findings reveal that Moniepoint consistently ranked among the top three fintech firms in Nigeria, in terms of financial metrics (revenue growth rates, network, and active agents). In terms of sustainability, Moniepoint has demonstrated progress in environmental efficiency, gender inclusion, and governance transparency, ranking second among peers in ESG disclosure. The research concludes that Moniepoint has some competitive advantages. This study offers valuable insights for fintech operators, investors, and policymakers on sustainable digital finance models in emerging markets. It also contributes to the literature on ESG performance within Africa’s digital financial services industry
IMPACT OF GOVERNMENT AGRICULTURAL FINANCING ON NIGERIAN ECONOMY
No full textThis study examined the impact of government agricultural financing on Nigerian economy. The investigation became necessary as inadequate access to agricultural credit appears to persist in Nigeria, posing a constraint to the optimization of farming activities in the country. The study’s specific objectives were to evaluate the impact of the Agricultural Credit Guarantee Scheme Fund (A.C.G.S.F.) on Real Gross Domestic Product (RGDP) and Balance of Trade (BoT), while controlling for Domestic Capital Formation (D.C.F). The ex-post facto research design was adopted while time series data were collected from the Central Bank of Nigeria’s Statistical Bulletin. Having employed the Autoregressive Distributed Lag (ARDL) model in the data analysis, the test results indicated that government agricultural financing through the A.C.G.S.F., has a long-run positive and significant impact on real gross domestic product in Nigeria for the period of study. The result showed that a 1% increase in the A.C.G.S.F., would yield about 3.3% increases in real gross domestic product in Nigeria. The results also revealed a long-run positive but insignificant impact on balance of trade in Nigeria for the period of study. The study concluded that the A.C.G.S.F if well-articulated, remains the most viable channel for government financing of agriculture in Nigeria. Thus, it was recommended that the Nigerian government should come up with long term agricultural financial development promotion plan. Also, policy measures should be used in stimulating massive and consistent financial investment in the agricultural sector to increase RGDP and balance of trade