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Awareness And Acceptance Of Household (Building) Insurance Among Private Residence Of Flood Prone Areas In Lagos State, Nigeria
Get PDFThis study was aimed at assessing the awareness and acceptance of household (building) insurance among private residence of flood prone areas in Lagos state, Nigeria. This study employed a descriptive research approach. Purposive sampling techniques was adopted for this study to select Ajeromi/Ifelodun, Amuwo-Odofin, Apapa, Eti-Osa, and Kosofe were selected as the choice population. A research questionnaire was adopted for the purpose of the study. A total of 400 copies of questionnaire were distributed to the selected areas, where 80 copies of the questionnaire were distributed to each of the five (5) LGA. Out of the 400 copies of the questionnaire administered for data collection, 364 copies were found useful for analytical results, providing 91%response rate. The Kolmogorov-Smirnov test and Kendall’s rank correlation coefficient techniques were employed in data processing. Analysis for hypothesis one shows that the Dcalc value (- 0.51295) <Dtab value (0.071), meaning that the null hypothesis household building insurance has not gained high level of popularity among residents of flood prone areas in Lagos state, Nigeria is accepted at α = 0.05, while the analysis for hypothesis two shows that the Dcalc value (- 0.4194) <Dtab value (0.071), which means that the null hypothesis which state that residents of flood prone areas in Lagos state, Nigeria are not willing to accept household building insurance policy, Nigeria is accepted at α = 0.05 and lastly, the analysis detected that there is a strong, positive relationship between awareness of household building insurance and acceptance of household building insurance (r = 0.671, N=364, p < .000
Status Of Women In Nigeria In Contemporary Times: Challenges And Prospects
Get PDFWomen are the central processing unit of every community, the central nervous system that controls and coordinates the social system. In Nigeria the issue of women marginalization, neglect, subservience, etc has been moving with the speed of an eagle against the wind after colonialism. Though male and female do have biological and structural differences peculiar to each; mental processes of both sexes are the same. One can be more active depending on the level of activation factored by both physical and social environments at each period. In Nigeria, the socialization processes that are unequally available for both sexes from birth through secondary socialization and the later processes of the social system especially after the coming of the British and his structures is not conducive to the female child. This paper argues that the colonial system such as patriarchy, lack of empowerment for females, family (nuclear family) etc are the chief causes of sexual inequality and subordination that still exists and has refused to abate to include women in the decision making sector. This paper therefore discusses the factors inherent in the colonial system that sustain the status quo. It used both historical and theoretical perspectives and guided by feminist theories. The paper suggests therefore that if colonial mentality of subduing women and retaining power through regulations, rules and socialization processes is strongly opposed through regulations in Nigeria and enforced with zero tolerance to male preference, it will encourage dispensing authority on merit. Then women who meet the desired requirements for each system will have equal chances with their male counterparts in contributing to the growth and development of every aspect of the social system
Role Of Broadcast Media In Anti-Corruption Campaign Of The Federal Government From 2015 – 2023 (a Study Of The Broadcast Media In Southeast, Nigeria
Get PDFThis research examined the scorecard of the Federal Government in anti-corruption campaign from 2015 – 2023, using the broadcast media in the southeast amid cross-sectional studies. One key objective was to determine the extent of the campaign which was promised Nigerians, and looked at the strength and weaknesses of these government and privately owned broadcast stations to fight the cause. The study was a qualitative and quantitative research which employed questionnaire as instrument for the generation of data from the audience based on their perception of broadcast media and agencies like the EFCC, and ICPC in the campaign. The researcher found out among others, that all the broadcast media in the region had a regular weekly programmes in political matters emphasizing total crusade on anti-corruption as the bane of democracy – dividends. It was established in the course of this investigations that the promise and assurances by government to end corruption in shortest possible time was woefully performed below expectation. The researcher recommended that the anti-graft agencies as well as the media should be truly independent from the government and their owners if they are to succeed in their anti-graft war
The Role Of Communication In Enugu State Nigeria Erosion And Watershed Management Project (Ens-Newmap) Sustainable Delivery
Get PDF This paper is aimed at x-raying the roles of communication in development project delivery with special focus on Enugu State Nigeria Erosion and Watershed Management Project (ENS-NEWMAP) sustainable delivery. This is a multi-sectorial project financed by the World Bank, Global Environment Facility, Special Climate Change Fund, and the Government of Nigeria. The project was designed to reduce vulnerability to soil erosion in targeted sub-watersheds. This was targeted initially at improving environment and living conditions of people in seven states; namely Anambra, Abia, Cross River, Edo, Enugu, Ebonyi, and Imo. However, following the successful story of NEWMAP, the project has been replicated to many other states bringing them to a total of 23 States. The benefits that accrued to majority of the populations of the participating states include reconnected transport corridors, cisterns and structures for community rainwater harvesting, support for improved storm water planning, reduced flooding, improved disaster risk preparedness and enhanced agricultural activities especially in Enugu State. Data utilized in this study were obtained from both primary and secondary sources. The results were presented in planning communication forms such as maps, photographs and qualitative analysis facts of the project delivery. In achieving the success story, the communication officer worked closely with the environmental/social livelihood and complementarities of the civil works constructions and livelihood options especially those that would ensure the sustainability of the project. In other words, success of the integrated watershed approach relied so much on effective communication.  
Arms Proliferation And Kidnapping In Northwst Nigeria: Causes And Effects
Get PDFArms Proliferation and Kidnapping have become one of the security challenges in the Northwest Nigeria. It is an illicit practice in which human-beings are forcefully abducted to an unknown destination for the purpose of payment of ransom by relatives of victims or victims themselves .Kidnappers use gun to prosecute their operations. The predominance of this illicit practice has made the northwest geopolitical zone of the country to be ranked as the most security risk areas of the country. The major objective of this paper is to examine the causes and effects of Arms proliferation and kidnapping in the Northwest Nigeria. Many factors account for this development, prominent among which include Arms proliferation, social injustice, poverty, unemployment, corruption and insecurity etc. The methods used in this work are the descriptive and analytical methods. The use of library materials was employed. Related texts, journals, special publications and newspapers were analyzed using content analysis and Routine Activities Theory was applied as theoretical framework. The effects conclude social dislocation and internal displacement, destruction of schools and educational infrastructures, discouraged investment and triggered economic crises, deaths and fatalities etc. The paper recommends that governments of the zone should embark on policies and programmes that will address the causes of arms proliferation and kidnapping in the zone by addressing the high rate of poverty, creating employment opportunities for the youths, address the issue of drug abuse among the youths and ensure good governance at all levels of government. The governments of the zone should as a matter of urgency address the issue of out of school children as this forms the army of the unemployed , those of them who are still of school age should be enrolled into school and those who have out grown school age should be made to acquire skill
Differential Impacts of Bilateral and Multilateral Concessional Debts on Public Investment in Sub-Saharan Africa
No full textThe relationship between concessional debt and public investment in developing economies has been traditionally modeled with linear and symmetric assumptions. This study examines the potentially asymmetric effects of bilateral and multilateral concessional debts on public investment in 32 sub-Saharan African countries from 1985 to 2020, addressing a critical gap in understanding debt-investment dynamics in developing contexts. Using linear and non-linear Panel ARDL models, the analysis reveals significant asymmetries. Positive shocks to bilateral concessional debt are associated with a 0.14% increase in public investment, while negative shocks lead to a 0.05% decrease. For multilateral concessional debt, a 1% increase corresponds to a 0.26% rise in public investment, compared to a 0.7% increase for a 1% decrease. This counterintuitive finding suggests that reductions in multilateral debt might stimulate improved domestic resource mobilization or increased efficiency in public spending. The Pooled Mean Group estimation shows a positive relationship between multilateral concessional debts and public investment in both short and long run, with stronger long-run effects. Institutional quality significantly impacts investment outcomes, with a 1% decline in the institutional quality index leading to a 0.2% short-run and 0.5% long-run decrease in public investment. These findings challenge conventional wisdom and highlight the complex interplay between concessional debt, institutional quality, and public investment in sub-Saharan Africa. The results underscore the need for tailored, country-specific policy approaches that consider the asymmetric effects of different debt types and the crucial role of institutional frameworks in leveraging concessional financing for sustainable development.
JEL classification: C51, H54, E
Conceptualizing Environmental Literacy and Waste Disposal Behaviour of University Students in Nigeria. An Empirical Investigation
Get PDFThis study was on conceptualizing environmental literacy and waste disposal behaviour of university students in Nigeria. Environmental problems today are global in nature, requiring young and old alike to behave pro-environmentally in order to rectify environmental problems and prevent new ones from occurring. Environmentally literate people possess the knowledge and skills required to analyze environmental issues, which would enable the individual to behave pro-environmentally. The main objective of this study was to investigate environmental literacy and waste disposal behaviour of university students in Nigeria. To achieve this, the study hypothesized that despite the intensifying environmental education efforts and the spread of environmental literacy concept, there is still a growly discourse in literature on whether and how environmental literacy influence waste disposal behaviour of university students in Nigeria. Data were collected using structured questionnaire administered to four hundred students selected from universities in Enugu State, Nigeria. Structural equation modeling was used to test the hypotheses at .05 margin of error. Statistical package for social sciences (SPSS) version 23.0 software was used for analysis, the findings shows that there was no relationship (positive) between environmental knowledge and waste disposal behaviour of university students. The paper concludes that students who are environmentally knowledgeable, curious, with locus of control concerned and sensitive to the environment are needed to manage the impact of human excesses on the environment. It is recommended that environmental programmes should be infused into the academic curriculum for university students to enable them acquire more environmental knowledge to walk the talk.
 
Major Factors Influencing Consumer Behaviour of Goods and Services: A Theoretical Perspective.
Get PDFThe researcher adopted an inductive approach to the study of factors influencing consumer behaviour of both physical goods and services. The paper seeks to establish a relationship between consumer behaviour and certain identified factors like, culture, social institutions, reference group, personal and psychological. It was found that consumer behaviour with respect to physical goods and services is influenced by both endogenous and exogenous factors. And this has wide implications not only for marketing but also for other allied disciplines. The paper has stimulated research into why consumers behave the way they do
Effect Of Corporate Governance On Financial Performance Of Deposit Money Banks In Nigeria
Get PDFThe main objective of the study is to examine the extent to which corporate governance affect financial performance of deposit money banks in Nigeria. The study specifically determined the extent to which board size, board composition and audit committee size affect profit margin of deposit money banks in Nigeria. The study adopted an ex-post facto research design. Secondary data was sourced from the annual reports of the sample of five deposit money banks for ten (10) years period, spanning from 2014-2023. The data collected was analyzed using descriptive analysis and multiple regression analysis. The findings of the study include: Board size has a negative and insignificant effect on the net profit margin of listed deposit money banks in Nigerian (β = 1.7334; p-value = 0.089); Board Composition has a significant effect on the Net Profit Margin of listed deposit money banks in Nigeria (β = 2.4904; p-value = 0.016); Audit committee size has no significant effect on the Net Profit Margin of listed deposit money banks in Nigeria (β = -0.8263; p-value = 0.4129). The study highlights that while quantity of governance bodies (board size, and audit size) may not directly influence financial performance, the quality and composition of these bodies are vital. For deposit money banks in Nigeria, focusing on the expertise and diversity of board members is essential for enhancing financial performance
Neural Networks Versus Conventional Computers
Get PDFThe first artificial neuron was produced in 1943 by the neurophysiologist Warren McCulloch and the logician Walter Pits. But the technology available at that time did not allow them to do much. Neural networks, with their remarkable ability to derive meaning from complicated or imprecise data, can be used to extract patterns and detect trends that are too complex to be noticed by either humans or other computer techniques. A trained neural network can be thought of as an "expert" in the category of information it has been given to analyze. Conventional computers use an algorithmic approach i.e. the computer follows a set of instructions in order to solve a problem. Unless the specific steps that the computer needs to follow are known the computer cannot solve the problem. Neural networks process information in a similar way the human brain does. The network is composed of a large number of highly interconnected processing elements (neurons) working in parallel to solve a specific problem. Neural networks learn by example. They cannot be programmed to perform a specific task. Neural networks and conventional algorithmic computers are not in competition but complement each other. There are tasks that are more suited to an algorithmic approach like arithmetic operations and tasks that are more suited to neural networks. Even more, a large number of tasks, require systems that use a combination of the two approaches (normally a conventional computer is used to supervise the neural network) in order to perform at maximum efficiency