19 research outputs found

    Language Use and Communication Artifacts in GSM Adverts in Nigeria

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    This is a sociolinguistic study of communication and language use in GSM adverts in Nigeria. The study was conducted to identify certain sociolinguistic strategies employed in GSM adverts in Nigeria. Our findings reveal that such strategies include: code choice, ethnography, semiotics and neologisms. The study has once again revealed that language choice especially in a multilingual community like Nigeria follows certain patterns and typology based on demographic, situational and attitudinal variants controlled by socio-cultural norms of communicative appropriateness

    A demographic analysis of language shift in a Yoruba suburban town, Southwestern Nigeria

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    A significant number of Nigerian languages have not been put into maximum use either by documenting them or by parents attempting to pass them on to the younger generation. Thus, this paper delves into the struggle of the ‘minority’ languages in Nigeria against the oppressive and predative tendencies of the other neighbouring prestige languages. Specifically, it examines societal endoglossic bilingualism in Erushu, Akoko with respect to some demographic variables (sex, age, education, occupation and place of acquisition). Our findings reveal that at 0.05 level of significance, there is a significant difference in the level of subjects’ mastery of Erushu, the mother tongue with respect to age as well as their mastery of Yoruba, the regional lingua franca, with respect to education. However, other variables are not statistically significant. Language use data here reveal a case of language shift as adolescents in this community are gradually giving up the mastery of Erushu in preference for Yoruba and English. The paper further reports on the quest for linguistic and ethnic identity ravaging virtually every small ethno-linguistic group in the nation as evident in the Erushu/Yoruba data presented here. The paper recommends some strategies which Nigerians should adopt in order to preserve and popularize their languages. These are educational, political and cultural strategies. These efforts include organizing language Institutes for small language groups, re-orientating the citizens through government organs as far as language use and language attitudes are concerned and the re-vitalization of some cultural festivals and names.</jats:p

    Pragmatic Acts in the Inaugural Speeches of Military Heads of Government in Nigeria

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    &lt;p&gt;An Inaugural speech can be described as the first official speech delivered by an individual on the assumption of any office of public trust. The inaugural speech is an important formal presentation that allows the presenter to express certain views and ideas relating to particular situations. For the presidential inaugural speech, however, we can go a step further by saying that the inaugural speech is a public piece of discourse that is usually formally presented by the president as a political office holder and which signifies the commencement of a particular administration. For a military head of government, the inaugural speech is almost in all cases, a post-coup presentation where the speaker attempts a justification of the change in government. Abaya (2008:5) defined a coup speech as &ldquo;a broadcast to the nation on military intervention on the day-to-day administration of a country&rdquo;. This intervention is sometimes executed through illegitimate and violent means. Thomas and Wareing (1999) argued that when people engage in politics, they make use of a wide range of linguistic choices to build up their discourse and these usually have crucial effects on shaping an ideology that will lead the people to accept their argument more easily. We can infer from the foregoing that a coup speech, being a form of communication meant for the citizens will focus on issues that are of interest to the generality of the people. As opined by Adebiyi (2006), the inaugural speech, whether it is prepared, memorised or delivered without formal preparation or notification, is geared towards motivating, mobilising, educating, informing and in some cases entertaining the target audience. It can however be argued that Adebiyi (2006) is perhaps oblivious of a salient point. This is the fact that a presidential inaugural speech, being a form of political discourse, can equally be deployed as a tool for criticism which is the case in Ademilokun (2016) where the author examined the lexical choices of President Buhari&rsquo;s inaugural speech. He concluded that the lexical choices in the speech under review were meant to praise his supporters and condemn the activities of the previous governments. This shows that the inaugural speeches are not only used for motivating and mobilising as suggested by Adebiyi, but are also used to criticise and condemn previous administrations which is always the case especially in post-coup speeches where &lsquo;military politicians&rsquo; make every effort to condemn the activities of previous regimes in order to justify the current government. This criticism can be in form of institutional or attitudinal criticism. It is therefore apt to describe the presidential inaugural speech as a comprehensive piece of discourse that addresses various aspects of a nation&rsquo;s life in one clean sweep. In the views of Akinrinola (2016), presidential inaugural speeches are crafted to achieve specific objectives. This crafting therefore takes cognizance of certain factors which in turn determine the linguistic choices of the speech encoder which eventually will make him or her achieve his or her pragmatic intent in order to successfully achieve the objectives of this discourse genre. It is therefore on this basis that this study examines the pragmatic actions performed in the inaugural speeches presented by Nigeria&rsquo;s military heads of government.&lt;/p&gt

    Prevalence and Predictors of White Coat Hypertension among Newly-Diagnosed Hypertensive Patients in a Tertiary Health Centre in Nigeria

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    BACKGROUND: Failure to diagnose and adequately classify newly-diagnosed hypertensive patients may lead to non-recognition of White Coat Hypertension (WCH) and inappropriate use of antihypertensive medications. This study determined the prevalence and predictors of white coat hypertension among newly-diagnosed hypertensive patients in a tertiary health centre in Nigeria.METHODS: One hundred and twenty newly-diagnosed hypertensive patients and 120 controls were recruited for the study. All the participants had 24-hour Ambulatory Blood Pressure Monitoring (ABPM) using an oscillometric device (CONTEC®). Data were analyzed using SPSS version 20.0.RESULTS: Out of 120 patients, 52 were males and the mean age was 44.2 ± 9.7 years whereas of the 120 controls, 53 were males and the mean age was 44.0 ± 7.5 years. The mean body mass index of the patients, BMI (27.0 ± 4.5kg/m²) was higher than control (24.1 ± 4.5kg/m²), p-value &lt;0.001. The prevalence of WCH was 36.7%. The mean age and BMI of those with WCH were 43.3 ± 11.4 years and 26.4 ± 4.5kg/m2 respectively. Females constituted a greater proportion (70.5%). In multivariate analysis, high level of education and being overweight or obese were significant determinants of WCH.CONCLUSION: High prevalence of WCH existed among participants studied. High level of education and being obese were predictors of white coat hypertension. Hence, ambulatory blood pressure monitoring should be included as part of routine work-up for newly-diagnosed hypertensive patients in order to limit the number of those who may be committed to lifelong antihypertensive medications with its unwanted side effects.

    Ethnographic Analysis of ‘SPEAKING’ and Textuality in the Conversation between Jesus Christ and the Thieves on the Cross

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    This study undertakes an ethnographic and textual analysis of the conversation between Jesus Christ and the thieves on the cross, as portrayed in the Synoptic Gospels. Integrating Dell Hymes’s SPEAKING model with principles of textuality, the research examines how communicative actions within this sacred speech event are shaped by socio-cultural contexts and structured through linguistic coherence. The SPEAKING framework facilitates an exploration of the setting, participants, purposes, and genre of the crucifixion dialogue, highlighting the contrasting roles and intentions of the repentant and impenitent thieves. Textuality analysis evaluates cohesion, coherence, intentionality, and inter-textual connections, revealing how the dialogue functions as a meaningful, unified text imbued with theological significance. Findings indicate that the interaction exemplifies ritualized communication embedded within socio-religious norms of first-century Judea and reflects core Christian themes of judgment, mercy, and redemption. The repentant thief's plea and Jesus's promise embody pragmatic and theological dimensions of faith and salvation, while the mocking thief symbolizes rejection and despair. This integrative approach unpacks how the conversation operates simultaneously as a culturally situated speech event and a carefully constructed biblical text. The study contributes to biblical linguistics, ethnography of communication, and discourse analysis by demonstrating the effectiveness of combining ethnographic and textual frameworks to analyze sacred dialogue. The study exhumes knowledge of how language functions as a medium of identity, belief, and social action in religious narrative, offering valuable insights for interdisciplinary research into ancient communicative practices and theological discourse

    Consequences of restricting antimalarial drugs to rapid diagnostic test-positive febrile children in south-west Nigeria.

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    OBJECTIVES: To investigate the consequence of restricting antimalarial treatment to febrile children that test positive to a malaria rapid diagnostic test (MRDT) only in an area of intense malaria transmission. METHODS: Febrile children aged 3-59 months were screened with an MRDT at health facilities in south-west Nigeria. MRDT-positive children received artesunate-amodiaquine (ASAQ), while MRDT-negative children were treated based on the clinical diagnosis of non-malaria febrile illness. The primary endpoint was the risk of developing microscopy-positive malaria within 28 days post-treatment. RESULTS: 309 (60.5%) of 511 children were MRDT-positive while 202 (39.5%) were MRDT-negative at enrolment. 18.5% (50/275) of MRDT-positive children and 7.6% (14/184) of MRDT-negative children developed microscopy-positive malaria by day 28 post-treatment (ρ = 0.001). The risk of developing clinical malaria by day 28 post-treatment was higher among the MRDT-positive group than the MRDT-negative group (adjusted OR 2.74; 95% CI, 1.4, 5.4). A higher proportion of children who were MRDT-positive at enrolment were anaemic on day 28 compared with the MRDT-negative group (12.6% vs. 3.1%; ρ = 0.001). Children in the MRDT-negative group made more unscheduled visits because of febrile illness than those in MRDT-positive group (23.2% vs. 12.0%; ρ = 0.001). CONCLUSION: Restricting ACT treatment to MRDT-positive febrile children only did not result in significant adverse outcomes. However, the risk of re-infection within 28 days was significantly higher among MRDT-positive children despite ASAQ treatment. A longer-acting ACT may be needed as the first-line drug of choice for treating uncomplicated malaria in high-transmission settings to prevent frequent re-infections

    Short-term COVID-19 vaccine adverse effects among adults in Ekiti State, Nigeria

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    Background: The safety of the COVID-19 vaccines has been a topic of concern globally. This issue of safety is associated with vaccine hesitancy due to concerns about the adverse effects of the vaccines. Consequently, this study determined the short-term safety profile of the Oxford/AstraZeneca COVID-19 vaccine in Ekiti State, Nigeria. Methods: Descriptive cross-sectional study conducted between May and July 2021 among individuals who had received the first dose of the first batch of the Oxford/AstraZeneca COVID-19 vaccine at Ekiti State University Teaching Hospital (EKSUTH), Ado-Ekiti, Nigeria. A Google form was used to collect data on the adverse effects of the vaccine. Results: Out of over 1,000 individuals who were approached, 758 respondents completed the study. A large percentage (57.4%) of those who received the vaccines were healthcare workers. Adverse effects were reported in 70.8% of the participants with most manifesting on the first day of the vaccination. The predominant adverse effects were injection site soreness (28.5%), followed by fatigue (18.7%) and muscle pain (8.6%). There was no report of severe adverse effects such as anaphylactic reactions, thrombosis, myocarditis, transient myelitis, or Guillen-Barre syndrome. Conclusion: This study found that self-reported adverse effects of the Oxford/AstraZeneca COVID-19 vaccine were mild and short in duration. This outcome has promising implications for improving COVID-19 vaccine uptake in the immediate environment and Nigeria

    Effect of Oral Placement and Expressive Therapies on Speech Intelligibility of Adolescents with Articulation Disorder

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    Intelligible speech is vital to every adolescent's life, but this skill can be confounded with the presence of articulation disorder. Meanwhile, studies have been conducted using different therapies to improve speech intelligibility. This study investigated the effect of oral placement and expressive therapies on speech intelligibility among adolescents with articulation disorders. The study adopted a pretest-posttest, control group, quasi-experimental research design with a 3x2x2 factorial matrix. Three special centers were randomly selected, and purposive sampling was used in selecting 60 adolescents having articulation disorders comprising 34 males and 26 females. These adolescents were randomly assigned to Experimental Group 1 (n= 22), Experimental Group 2 (n= 21), and Control (n= 17). Speech Intelligibility Assessment Scale (r=0.92) was the instrument used for the study. Participants in the experimental groups were exposed to the oral placement and expressive therapeutic treatments, while those in the control groups were sensitized to a placebo. Three hypotheses were tested at a 0.05 level of significance, while data were analyzed using Analysis of Covariance (ANCOVA), mean scores, and Bonferroni Post Hoc Test. Findings revealed that there was a significant main effect of treatments F(2,56) = 112.52; p &lt;0.05 (oral placement therapy, expressive therapy, and control group with placebo), and also a significant interaction effect of treatments, gender, and age F(2, 47) = 7.37; p &lt;0.05 on speech intelligibility of adolescents with articulation disorders despite the presence of placebo. Oral placement and expressive therapies were effective in managing the speech intelligibility of adolescents with articulation disorders. Therefore, speech therapists should adopt these therapeutic interventions in rehabilitating adolescents with articulation disorders

    Nigerian Journal of Banking and Financial Issues: INTERNALLY GENERATED REVENUE AND ITS IMPACT ON BUDGET IMPLEMENTATION IN SOME SELECTED STATES IN NIGERIA (2013-2022)

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    © Department of Finance Ekiti State University, Ado Ekiti, Nigeria. &nbsp; The Nigerian Journal of Banking and Financial issues (NJBFI) provides a unique forum for the articulation and dissemination of applied research by academics and professionals in the field of Banking and Finance or related disciplines. It is biannual Journal published by the department of Finance, Ekiti State University, Ado Ekiti, Nigeria. &nbsp; The Journal contains analysis of Banking and Financial Issues relevant to the Nigeria Economic experience and financial policies. Opinions expressed herein are those of the authors are not necessarily those of the Department of Finance. &nbsp; All right reserved. No part of this publication may be reproduced or transmitted in any form or by any means. electronic, mechanical, photocopying, recording or otherwise of series in any retrieval system of any nature, without the prior written permission of the copyright holder. &nbsp; Subscription Rate:&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nigeria &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Students: &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; N2,000 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Others:&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; N2,500 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Foreign&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; US $25 &nbsp; &nbsp; Volume 10 No. 1, March 2024 &nbsp; &nbsp; ISSN: 119 - 8494 &nbsp; Printed in Nigeria by: Department of Finance Ekiti State University, Ado Ekiti, Nigeria. Tel: 08035023117, &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 080283887163. &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; EDITOR -IN- CHIEF:&nbsp; &nbsp;&nbsp;&nbsp;&nbsp; PROF. J. A. OLOYEDE MANAGING EDITOR: &nbsp;&nbsp; DR. (MRS) B. A. AZEEZ ASSOCIATE EDITOR: &nbsp;&nbsp; DR. F. T. KOLAPO &nbsp; ADVISORY BOARD PROF. WOLE ADEWUNMI PROF. W. I. IYIEGBUNIWE PROF. S. I. OWUALAH PROF. (MRS) E. O. ADEGBITE PROF. FAMOUS IZEDOME PROF. A. A. AWE PROF. T. M. OBAMUYI PROF. S. O. AKINMULEGUN PROF. F. M. EPETIMEHIN PROF. S. A. TELLA PROF. R. O. SOMOYE &nbsp; EDITOR PROF. S. O. ADEUSI PROF. A. O. ADARAMOLA PROF. DAPO FAPETU L. B. AJAYI M. O. OKE L. A. SULAIMAN J. O. MOKOLU J. A. AJAYI &nbsp; BUSINESS MANAGERS S. O. DADA MRS. O. G. OBISEAN MRS. A. O. ADEJAYAN I. E. AJAYI &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; CALL FOR PAPERS &nbsp; The Nigerian Journal of Banking and Financial Issues (NJBFI) provides a unique forum for the articulation and dissemination of applied research by academics and professionals in the field of Banking and Finance or related disciplines. It is a biannual Journal published by the Department of Finance, Ekiti State University, Ado Ekiti, Nigeria. Interested contributors are invited to submit well researched papers which have not been provide published either in whole or part in any journal. &nbsp; Three copies of the manuscript should be submitted, each copy of which must be typed on one side of A4 sized paper only and double spaced. Manuscript should not exceed twenty pages, including notes, references, table and chart. The cover page of each manuscript should contain title of papers, names(s) and additional authors(s). An abstract of not more than 120 words typed single spaced on a separate sheet book precede the main text. The short abstract should summarize the main argument of the article. Bibliographical references should be indicated in the text using the author data style with page numbers where necessary. All reference must adopt America psychological Associate (APA) current style and reference pattern. Table and charts should be placed as close as possible to relevant discussion. End noted should be numbered consequently, and should not solely comprise references. Manuscript which do not conform to these guidelines may be returned unprocessed. &nbsp; All manuscript and other correspondences should be sent to: &nbsp; The Managing Editor, Journal of Banking and Financial Issues, C/0 Department of Finance, Ekiti State University, Ado Ekiti, Nigeria. &nbsp; OR &nbsp; The Business Editor: Department of Financ

    Nigerian Journal of Banking and Financial Issues: INTERNALLY GENERATED REVENUE AND ITS IMPACT ON BUDGET IMPLEMENTATION IN SOME SELECTED STATES IN NIGERIA (2013-2022)

    No full text
    © Department of Finance Ekiti State University, Ado Ekiti, Nigeria. &nbsp; The Nigerian Journal of Banking and Financial issues (NJBFI) provides a unique forum for the articulation and dissemination of applied research by academics and professionals in the field of Banking and Finance or related disciplines. It is biannual Journal published by the department of Finance, Ekiti State University, Ado Ekiti, Nigeria. &nbsp; The Journal contains analysis of Banking and Financial Issues relevant to the Nigeria Economic experience and financial policies. Opinions expressed herein are those of the authors are not necessarily those of the Department of Finance. &nbsp; All right reserved. No part of this publication may be reproduced or transmitted in any form or by any means. electronic, mechanical, photocopying, recording or otherwise of series in any retrieval system of any nature, without the prior written permission of the copyright holder. &nbsp; Subscription Rate:&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nigeria &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Students: &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; N2,000 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Others:&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; N2,500 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Foreign&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; US $25 &nbsp; &nbsp; Volume 10 No. 1, March 2024 &nbsp; &nbsp; ISSN: 119 - 8494 &nbsp; Printed in Nigeria by: Department of Finance Ekiti State University, Ado Ekiti, Nigeria. Tel: 08035023117, &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 080283887163. &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; EDITOR -IN- CHIEF:&nbsp; &nbsp;&nbsp;&nbsp;&nbsp; PROF. J. A. OLOYEDE MANAGING EDITOR: &nbsp;&nbsp; DR. (MRS) B. A. AZEEZ ASSOCIATE EDITOR: &nbsp;&nbsp; DR. F. T. KOLAPO &nbsp; ADVISORY BOARD PROF. WOLE ADEWUNMI PROF. W. I. IYIEGBUNIWE PROF. S. I. OWUALAH PROF. (MRS) E. O. ADEGBITE PROF. FAMOUS IZEDOME PROF. A. A. AWE PROF. T. M. OBAMUYI PROF. S. O. AKINMULEGUN PROF. F. M. EPETIMEHIN PROF. S. A. TELLA PROF. R. O. SOMOYE &nbsp; EDITOR PROF. S. O. ADEUSI PROF. A. O. ADARAMOLA PROF. DAPO FAPETU L. B. AJAYI M. O. OKE L. A. SULAIMAN J. O. MOKOLU J. A. AJAYI &nbsp; BUSINESS MANAGERS S. O. DADA MRS. O. G. OBISEAN MRS. A. O. ADEJAYAN I. E. AJAYI &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; CALL FOR PAPERS &nbsp; The Nigerian Journal of Banking and Financial Issues (NJBFI) provides a unique forum for the articulation and dissemination of applied research by academics and professionals in the field of Banking and Finance or related disciplines. It is a biannual Journal published by the Department of Finance, Ekiti State University, Ado Ekiti, Nigeria. Interested contributors are invited to submit well researched papers which have not been provide published either in whole or part in any journal. &nbsp; Three copies of the manuscript should be submitted, each copy of which must be typed on one side of A4 sized paper only and double spaced. Manuscript should not exceed twenty pages, including notes, references, table and chart. The cover page of each manuscript should contain title of papers, names(s) and additional authors(s). An abstract of not more than 120 words typed single spaced on a separate sheet book precede the main text. The short abstract should summarize the main argument of the article. Bibliographical references should be indicated in the text using the author data style with page numbers where necessary. All reference must adopt America psychological Associate (APA) current style and reference pattern. Table and charts should be placed as close as possible to relevant discussion. End noted should be numbered consequently, and should not solely comprise references. Manuscript which do not conform to these guidelines may be returned unprocessed. &nbsp; All manuscript and other correspondences should be sent to: &nbsp; The Managing Editor, Journal of Banking and Financial Issues, C/0 Department of Finance, Ekiti State University, Ado Ekiti, Nigeria. &nbsp; OR &nbsp; The Business Editor: Department of Financ
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