Berkeley Journal of Management Science & Entrepreneurship (BJMSE) (Vol. 14 No. 7)


BERKELEY PUBLICATIONS INTERNATIONAL JOURNAL OF MANAGEMENT SCIENCE & ENTREPRENEURSHIP (BJMSE) (VOL. 14 NO. 7)

ISSN: 1098-5331 DECEMBER, 2020


Published by:

Berkeley Research and Publications International,

Bayero University, Kano, PMB 3011, Kano State, Nigeria.

Nigeria, West-Africa. +234-708-717-3247

Email: berkeleynigeriapublications@gmail.com


PAPERS:


EMPLOYEES’ PARTICIPATION IN DECISION MAKING AND ORGANIZATIONAL PERFORMANCE OF RUFUS GIWA POLYTECHNIC, OWO

 

1CHRISTIANA OLALOUNPE, AJAYI; 2GRACE MOTUNRAYO, AJALA; & 1ITUNU IYANU, OLU-OGUNLEYE

1Department of Business Administration, Joseph Ayo Babalola University. 2Research Student, Department of English, University of Ibadan.

 

ABSTRACT

The study examined the participation of employees’ in decision making and its effect on the performance of Rufus Giwa Polytechnic, Owo. The study focused on the effect of employee participation in decision making on satisfaction of students’ in Rufus Giwa Polytechnic, Owo. and Determine the relationship between employee participation in decision making and the growth of Rufus Giwa Polytechnic, Owo. The study used survey method and primary data was used to gather data needed. Data gathered were analyzed using regression analysis that made use of EVIEW statistical tool. The population consisted of academic staff and non-teaching staff (junior and senior). 325 staff were randomly selected and given well-structured questionnaire, out of which 250 were validly returned and used for the research. The findings revealed that there is significant relationship between indirect participation and students’ satisfaction. Also, it was found out that direct participation has positive effect on growth and survival of the tertiary institution. The study recommended that direct and indirect participation of employees’ in decision making should be allowed so as to get expected students’ satisfaction which could bring growth and survival to the institution.

Keywords: Participation, Decision Making, Organizational Performance, Employee, Tertiary Institutions

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TRUST, SUBJECTIVE NORM AND ONLINE PURCHASE INTENTION: A MEDIATION PERSPECTIVE

 

*YAKAKA GAMAMA; **HAUWA ALIYU YAMTA PhD; & *FATIMA KALAMA SHERIFF 

*Department of Marketing, Faculty of Management Sciences, University of Maiduguri, Borno State, Nigeria. **Department of Banking and Finance, Faculty of Management Sciences, University of Maiduguri, Borno State, Nigeria.

 

ABSTRACT

Online purchase intention is driven by motives; hence it is of paramount importance for online marketers to understand these motives aimed at adopting marketing strategies that will enhance productivity. Studies on motives of online purchase intention have been conducted but inconsistent findings abound in literature; obviously a need exists to provide clearer understanding of these inconsistencies. Consequently, the study adopted meditational analysis to examine the mediating effect of trust on the influence of subjective norm on online purchase intention. A survey research was conducted on 280 respondents that were selected using purposive sampling. Inferential statistics (Partial Least Squares-Structural Equation Modelling) were used for data analysis and hypotheses testing while bootstrapping was used to determine mediation effect. The findings show that trust is a full mediator on the influence of subjective norm and purchase intention and recommends online marketers should build trust towards online vendors/companies by building and maintaining positive image.

Keywords: Trust, Subjective Norm, Online Purchase Intention, Motives, Consumers.

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FFECT OF EFFECTIVE LEADERSHIP ON WORKERS PERFORMANCE IN AN ORGANIZATION (A CASE STUDY OF UNIVERSITY OF BENIN)

 

UNUNU FLORA

Public Administration, National Open University of Nigeria, Uromi Community Centre, Edo State

 

ABSTRACT

This study determines the effect of leadership on workers performance in an organization. In achieving its objectives, the work must be motivated to put in optimum performance. Hence the leadership styles of such organization will determine the workers motivation towards his/her performance. Therefore leadership plays an important role towards the attainment of organization objective. The study shows that the position associated exist between workers satisfaction compared to the leadership style which shows the needs of worker and leaders in dealing with subordinates and performance based on the findings of this study, certain recommendation such as sending managers and supervisor to leadership training course, leaders tailoring behaviour, assist subordinates actualize their needs in the organization, ensuring equity and fairness in dealing with subordinate; and understanding subordinates before adopting a particular leadership style. Conclusively the data for this research work are collected with questionnaires and interview methods. Secondary method was equally used to collect data for this study. The simple random sampling is used to select the respondents study.

Keywords: Effect, Effective, Leadership, Workers, Performance.

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STRESS MANAGEMENT AND ORGANIZATIONAL PRODUCTIVITY AMONG NON-ACADEMIC STAFF OF THE UNIVERSITY OF CALABAR

 

OSHA, MARGARET IMOLONG

Registry Department University of Calabar, Etagbor, Cross River State.

 

ABSTRACT

This study investigated the relationship between stress management and organizational productivity of Non Academic staff in the University of Calabar. The study adopted the cross-sectional survey in its investigation of the variables. Primary data was sourced through structured questionnaire. The population for the study was four thousand six hundred and forty (4640) non academic staff of the University of Calabar, Nigeria. The sample size of 352 was determined using the Krejcie and Morgan determination table. The research instrument was validated through by experts as provided by supervisors vetting and approval while the reliability of the instrument was achieved by the use of the Cronbach Alpha coefficient with all the items scoring coefficients above 0.70. The hypotheses were tested using the Spearman’s Rank Order Correlation Statistics. The tests were carried out at a 95% confidence interval and a 0.05 level of significance. The findings emanating from the tested hypotheses revealed that there is a significant positive relationship between stress management and organizational productivity of Non Academic staff in the University of Calabar. The study recommends that management of the university of Calabar should create awareness to the employees to enable them be aware of utilization of stress management strategies available in the organization that can result in improved performance. The management should undertake sensitization campaigns to enlighten employees since some were not aware that counselling services were offered within the institution neither did they know that flexitime and leisure facilities existed as stress management strategy. Employees should be made aware of meditation as the easiest way of handling stress and also relaxation by encouraging team building which refreshes the body and mind hence improving performance.

Keywords: Counselling, Leisure, Organizational Productivity, Stress Management and Work Environment.

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ENTREPRENEURIAL MARKETING AND CONSUMER ADOPTION OF SMALL AND MEDIUM-SIZED ENTERPRISES PRODUCTS IN NIGERIA

 

ISHOLA ABDULFATAI IDOMI

Department of Business and Entrepreneurship, Kwara State University, Nigeria.

 

ABSTRACT

Small and medium-sized enterprises are regarded as the engine of economic development and equitable growth in developing economies. Although SMEs are facing many problems that hindered their performance in Nigeria. They have not creditably performed well and played expected vibrant role in the economic development of Nigeria. This study aimed to investigate the effect of entrepreneurial marketing on consumer adoption of SMEs products in Nigeria. This study focused on manufacturing processes that operate within SMEs firm in three different local government area of Kwara State. In this study, customer intensity and resource leverage are determinants of entrepreneurial marketing, while consumer adoption acts as the dependents variable. A sample size of 400 respondents was conveniently selected from customers of manufacturing processes firms (clothing and textile, leather and footwear and furniture) that operate within SMEs in Kwara State, whereas 383 were analyzed after removal of outliers. Cronbach alpha was conducted to ensure the reliability of the data used. The findings indicated that all determinants of entrepreneurial marketing examined are most significantly associated with consumer adoption of SMEs products. Based on correlation and multiple regression analysis, the study found that entrepreneurial marketing has a significant relationship with consumer adoption of SMEs products. Besides, all hypotheses tested such as customer intensity and resources leverage shown a positive significant effect on consumer adoption of SMEs products. It was therefore recommended that SMEs firms should focus more on the customer intensity, and also resources leverage to be able to increase their customer base as well as their profitability.

Keyword: Entrepreneurial marketing, customer intensity, resource leverage, cognitive state, emotional state, behavioural state

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THE IMPACT OF ECONOMIC RECESSION ON THE PERFORMANCE OF QUOTED INSURANCE COMPANIES IN NIGERIA

 

FESTUS M EPETIMEHIN PhD.

Deparment of Actuarial Science and Insurance, Joseph Ayo Babalola University, Ikeji- Arakeji.

 

ABSTRACT

This paper analyses the impact of economic recession on the performance of the insurance companies quoted on the Nigerian Stock Exchange especially looking at the effect of the economic recession on the premium income, the profitability and the performance of the shares of the quoted insurance companies. The study adopted ex-post facto research design to look at what obtained in the last recession in Nigeria between 2014-2016 to serve as a guide to insurance companies as the country is entering another recession in 2020   This design was used because the data for the study were available already, which the researcher cannot manipulate. The study sample consists of ten (10) insurance companies quoted on the Nigerian stock exchange these companies were chosen purposively because of the availability of their annual reports from 2014 to 2016. Secondary data was sourced from the annual reports and accounts of insurance companies from 2014-2016. The data gathered were analyzed using percentages and the hypotheses were tested using regression statistics at 0.05 level of significance. The performances of the quoted insurance companies before the recession were compared with the performances during the recession. The study found that economic recession had significant negative impact on the gross premium written of insurance companies. This means that insurance companies suffer in terms of gross premium written during recession. Whereas, the impact on the profit after tax of insurance companies was positive, although the positive impact is little which is quite amazing. The study also found that economic recession did not have significant impact on the earning per share of insurance companies. the researcher recommends that management should be more innovative in recession, cut down on management expenses and explore investment opportunities to make up for underwriting losses.

Keywords: Econ. Recession, Investment, Quoted Companies, Insurance and Premium

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THE EFFECT OF CREDIT RISK ON THE PROFITABILITY OF COMMERCIAL BANKS IN NIGERIA

 

FALOLA, CLEMENT OLUMIDE1, MOMOH, OMOWUMI AYONI2

1Department of Insurance, School of Financial Management Studies, the Oke-Ogun Polytechnic Saki, Oyo State, Nigeria 2Department of Insurance, Faculty of Financial Management Studies, the Polytechnic, Ibadan, Oyo State, Nigeria.

 

ABSTRACT

A continuous poor management of credit risk may lead to a collapse of a financial system. This may eventually affect the lending capacity of the lending commercial Bank and subsequent profitability. Banks mobilize funds from certain sources of business community such as households, businesses, and stated government. Therefore the importance of banks as a financial service sector cannot be over emphasised. Risks are closely related to uncertainty and probability of losses. Banking sector of developed and developing economies are germane to economic development through the financial services they provide. Quantitative and descriptive research design was adopted while secondary data was sourced from the Nigeria Stock Exchange, Central Bank of Nigeria Analysis of variance (ANOVA) and t test was employed to compare the variables among the five Banks and between International and National Banks respectively. The credit risk of the commercial Banks studied did not significantly affect their profitability per fiscal year except for Zenith Bank. The International Banks performed better in terms of credit risk management and profitability between the fiscal years of 2009-2018. The result showed that credit risk of the commercial Banks studied did not significantly affect their profitability except for Zenith Bank. The International Banks performed better in terms of credit risk management and profitability between the fiscal years of 2009-2018. Based on the major findings of this study, better credit risk management, credit insurance and enabling business climate were recommended.

Keywords: Banks, Credit risk, Non-performing, Profitability, Economic development

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FORENSIC ACCOUNTING AS A PANACEA FOR COMBATING FRAUD IN NIGERIA LISTED HEALTH CARE SECTOR

 

ADEAGBO, KHADIJAT AYOBAMI; & JIMOH, OLUSHOLA RASHEED

Department of Accountancy, the Polytechnic, Ibadan. Nigeria.

 

ABSTRACT

Forensic accounting has becoming a focus for management of establishments due to incessant increase in fraudulent malpractices which had resulted into scandal and collapsing of some quoted companies.  This had necessitated the need for this study which investigated the impact of forensic accounting in combating   fraudulent activities in health care sector in Nigeria.  The study adopted survey research design using ten listed health care companies in Nigeria Stock Exchange in 2019.  The study population consisted of all staff working in Account Sections, Internal Audit Sections and those working as management staff in sampled companies. The sample size is 100 while stratified and purposive sampling techniques were adopted in chosen respondents of the instrument. Descriptive statistics of percentages, mean and standard deviation were used to analyze respondents’ opinions to the questionnaire while regression analysis was used for testing formulated hypotheses. The studied discovered that forensic accounting has significant role to play in detection of fraudulent practices and has positive and significant relationship with combating of fraudulent activities. The study recommends that government should mandate every corporation to have Forensic Accounting Section which will aid quick detection of fraud in every transaction that is embedded with fraudulent activities and that service of forensic accountants be engaged in order to serve as means of protecting their resources from being drain off by fraudsters.

Keywords: Forensic accounting, panacea, fraud, combat, health care sector.

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ISLAMIC MICROFINANCE AS A CONDUIT FOR FLOW OF FINANCIAL SERVICES TO LOW-INCOME HOUSEHOLDS:  LESSONS FROM GRAMEEN MODEL

 

*HASHIM SABO BELLO, **IBRAHIM SULAIMAN GALADIMA, & ***BARAKA IBRAHIM ALIYU

*Department of Business Administration and Management, School of Management Sciences, Abubakar Tatari Ali Polytechnic, Bauchi, Bauchi State, Nigeria **Department of Islamic Studies, School of Post Graduate Studies, A.D. Rufa’I College of Education, Legal and General Studies, Misau, Bauchi state, Nigeria ***Department of Islamic Studies, Adamu Tafawa Balewa Collegeof Education, Kangere, Bauchi state, Nigeria.

 

ABSTRACT

As the western culture offers classic microfinance as the way to do business and in recent years, postmodernism has nominated a new model-microcredit to supersede the statuesque. The Islamic civilization, on the other hand, has always offered the concept of spiritual microfinance as a way to stimulate business and get closer to God simultaneously. Such a model results in a more fulfilling work life and career. It is a radically different approach to doing business that emphasizes making money as its main goal, but not for the sake of wealth alone. The entire money making process can be sanctified so that it becomes a holy and noble pursuits. For this to happen, however, microfinance houses needs to completely change their focus. Accordingly Islamic microfinance focus on profit/loss sharing by using the funds on economic generating, investing and trading activities to make a profit and share that profit with all the depositors and shareholders, whilst protecting the fabric of our society without engaging in activities prohibited and harmful to the society. Despite the huge demand for Islamic microfinance among Muslims communities due to the high rate of unemployment and poverty, Islamic microfinance do not keep pace with upraising demand.  Following the above premise this paper tries to answer these critical questions; Why not mix microfinance passion for business with beneficial social goals? Why not simultaneously fix the world especially among rural dwellers and avail microfinance houses even richer? In order to answer the above this research paper dwell on the impeccable vision and salvaging activities of illustrious personage and veteran of many years standing from Bangladesh in his quest for promoting economic development and eradication of poverty among rural dwellers. This paper considered Islamic microfinance as a tool that could be used to achieve the necessary economic and social security that a country would need today leading to the overall development of humanity. The study suggested for the proliferation of more Islamic microfinance which can be used to mitigate the negative impact of the high unemployment rate among the youth in Muslim countries and as well stimulates social entrepreneurs who must focus on the goal of having a healthy income statement and simultaneously championing some sort of social healing enterprise.

Keywords: Ethical finance, Investment, Islamic microfinance, microcredit, Shari’ah

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EMPIRICAL ANALYSIS OF THE CAUSAL RELATIONSHIP BETWEEN ECONOMIC GROWTH AND ENVIRONMENTAL DEGRADATION IN NIGERIA (1964-2014)

 

*ABUBAKAR SADIQ SALISU; **ABUBAKAR ABDULLAHI; *BILYAMINU ABDULLAHI; & *MUSA MUNKAILA

*Department of General studies (Economics Unit), Gombe state polytechnic Bajoga **Department of General studies (Math and Statistics Unit), Gombe state Polytechnic Bajoga.

ABSTRACT

The links between economy and the environment are manifold. The environment provides the resources and acts as a sink for emissions and waste while the economy through productive ventures pollutes the environment. This study explores the causal linkages between economic growth and environmental degradation in Nigeria using annual time series data spanning from 1964 to 2014 sourced from World Bank development indicators2019. The data analysis techniques used include unit root test, co-integration test, and Granger causality. The result of unit root test shows that all the variables are integrated of order one I (1) while Johansson co-integration test result indicates no long run relationship between the variables. The Granger causality result indicates a bi-directional causality between real GDP per capita a proxy for economic growth and carbon dioxide emission a surrogate for environmental degradation, economic growth squared and environmental degradation, population growth and environmental degradation a unidirectional causality running from economic growth to population growth as well as absence of causality between trade openness and environmental degradation. The study, therefore recommends that government should formulate policies that protects the environment without limiting economic growth and that people should be enlightened about the effects of rapid population growth on the environment.

Keywords: Economic Growth, Environmental Quality, Carbon emission, Granger Causality, Nigeria.

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THE DYNAMICS IN BUSINESS OPERATION DURING ECONOMIC RECESSION; NIGERIA IN FOCUS

 

OMOROGIEVA, AGBONMWANRE. ANTHONY; ARIYO, IGBEKELE ANTHONY; ASUQUO, ANIETIE. OFFONIME

Department of Business Administration and Management, Federal Polytechnic Ukana, Akwa Ibom State, Nigeria.

 

ABSTRACT

This paper explains the way risks and effects can travel more quickly during recession. It characterizes economic recession as a decrease in the economic growth in Nigeria and gives possible suggestions for combating the contraction of growth and decrease in consumer spending. The economic meltdown engulfed completely in the country’s economy with a varying degree of recessional impact. This paper emphasizes on the business opportunities which have so far remained untouched by the slump in the global economy but you will see the growth rates slowing down by the end of the year. The economic recession in Nigeria emerged like a thunderbolt at the instance of the negative growth rates recently released by the National Bureau of Statistics (NBS). This admission was as a result of an official declaration on the situation of the masses in Nigeria and what they have been going through for sometimes now. The present economic situation is as a result of the absence of a clear policy directed by the government. According to the minister of state for petroleum resources Dr. Ibe Nwachukwu as at December 2018, crude oil production was expected to increase from the level of 2 million barrels per day, to a state of 2.5 million barrels per day by the end of 2019 but statistics shows that instead of the quantity increasing, its rather reducing as it was recorded or as record has it was 1.94 million barrels per day as at January 31. In this article, some possible measures and way forward has been provided, in other words this work has conclusively shown that risk in business is of high side during recession due to the downfall in gross economic growth, and some ideological points are been released or made mentioned as a way of tackling economic recession in Nigeria and perhaps the world at large.

KEYWORDS: Recession, Business Concept, Economics, Business Economics, Economic problems, Economic recession, Dynamics.

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DOES INEFFICIENCY AFFECTS SERVICE DELIVERY IN NIGERIA? A CASE OF NIPOST IN EDO STATE

 

*JOSEPH ERAKPOWERI; **EDAFE GODWIN MATTHEW

*Department of Social Sciences (Citizenship Unit), Delta State Polytechnic, Otefe-Oghara, Delta State, Nigeria **Department of Social Sciences (Economics Unit), Delta State Polytechnic, Otefe-Oghara, Delta State, Nigeria

 

ABSTRACT

The study focuses on the effect of inefficiency on service delivery in public service in Nigeria using NIPOST, Benin City, Edo State as a case study. The study argues that the major function of public service is providing enabling environment for economic growth and prosperity for citizens as well as securing and strengthening democratic institutions so as to make citizens better off. However, this has remains a dream as the state and quality of public service in Nigeria over the years is still lamentably poor by all standard. The objectives of the study are to assess how management activities lead to poor service delivery as well as examine the kinds of motivation needed to increase the workers interest towards service delivery at NIPOST Benin City? The study employs descriptive and chi square techniques for the analysis. The study finds that management activities results in poor service delivery at NIPOST, Benin City. It also finds that motivation increases workers interest towards service delivery at NIPOST Benin City. The study therefore recommends that adequate motivations for staff that will boost productivity should be introduced. Finally, it was recommended that management style of leadership should be workers’ friendly,

Keyword: Service Delivery, Inefficiency, NIPOST, Edo State.

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THE EFFECTS OF MOTIVATION ON EMPLOYEES PERFORMANCE IN ORGANIZATIONS

 

NGOZI UMEOBI

Department of Business Administration, Federal Polytechnic Oko.

 

ABSTRACT

Society since ancient times faced with a weak involvement of human resources in organizations. Therefore motivating employees became today an important objective for organizations that want to remain viable on the market today. Motivation of human resources in the organization will bring extra performance to the manager that hopes to reach the organization’s goals.

Keywords: motivation, management, human resources, strategic management

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EFFECT OF HUMAN RESOURCE PRACTICE ON SERVICE DELIVERY IN NIGERIAN POSTAL SERVICE

 

1HABU JINGI UMAR 2DANIEL MARCEL AND 3MUSA LAWAL SALIHU

1Department of Office Technology and Management Federal Polytechnic, Mubi Adamawa State Nigeria. 2 Abubakar Tafawa Balewa University, Bauchi, Bauchi State, Nigeria 3Department of Business Administration and Management, Federal Polytechnic, Mubi Adamawa State Nigeria.

 

ABSTRACT

This study is aimed at investigating the effect of effect of human resource practice on service delivery in Nigerian Postal Service. five research questions , objectives and hypotheses were presented out of the objectives and established for the study. A review of related literature was embarked upon. The population was 300 employees and sample size of the study was 169, the instrument used for the collection of data was the questionnaire. The question was designed for secretaries, executives and subordinate. A total of 169 copies of questionnaires were administered to the respondents and all the copies were returned for the analysis. Based on the data analyzed the findings, it was stated that employees training and development practices, compensation management practices and performance management systems has positive and significant effect on service delivery in Nigerian Postal Service. Recruitment and selection practices and employee safety, health and welfare has no significant effect on service delivery in Nigerian Postal Service. From the findings in this research, the study puts forward several recommendations to help improve the standards of Nigerian Postal Service service delivery in Adamawa state through human resource management.

Keywords: performance management, HRS practice, Nigerian Postal Service

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IMPROVING NIGERIA EMPLOYEE PERFORMANCE USING INFORMATION AND COMMUNICATION TECHNOLOGY. A THEORETICAL ANALYSIS

 

UMAR NDAGI MOHAMMED1, ABUBAKAR HARUNA2 AND ILIYA BAWA, PHD3

1Department of Office Technology and Management, Federal Polytechnic Nasarawa – Nigeria 2Department of Marketing, ISN Adonai University, Cotonou Republic of Benin 3Department of Business Administration, Federal University Lokoja, Kogi State – Nigeria

 

ABSTRACT

An employee may develop keenly interest to work and add value to the organizational performance, but if the employee is not encourage by the employer, the employee may develop negative attitude towards the word. The objective of the study is to provide means of improving employee performance in organization using information and communication technology. The study is a desk research. The researchers used this method and manipulates documentaries which enable them to developed themes and sub-themes and addressed the topic of discussion. The findings revealed that technology had change the way so many things are carried out in  the world today and the changing trend has influenced performance of employees. The study recommended that conducive ethical work environment are expected to be provided by leaders in organization for employees to embrace ICT and improve their performance.

Keywords: Employee, ICT, training, performance, organization culture.

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CHALLENGES FACING ENTREPRENEURSHIP DEVELOPMENT IN NIGERIA: AN EMPIRICAL REVIEW

 

*BALOGUN BAMIDELE BODE AND **OLATORO FATAI

*Centre for Entrepreneurship Development (CED), Kebbi State Polytechnic, Dakingari. **Nigeria Custom Service, Bill Clinton Drive, Abuja.

 

ABSTRACT

This paper examines the challenges facing entrepreneurship development in Nigeria. The study uses secondary data by reviewing existing literature related to the subject matter. The finding reveal that entrepreneurship development in Nigeria is faced with numerous challenges among which includes; inadequate capital, government policies, lack of awareness of business opportunities, inadequate infrastructural facilities to mention but a few. The study concludes that government at all level should set aside certain percentage of their budget annually as loan and grants to existing and prospective entrepreneurs at a subsidize rate. The federal government should come out with sound economic policies that will revive the falling economic trend in the country by putting up structures that will aid entrepreneurship activities. The study therefore, recommends that the government should enact law and enforce such law to protect the indigenous entrepreneurs within the country so that they will be able to compete favorably with their foreign counterparts.

Keywords: Challenges, Entrepreneurship, Development, Nigeria, Entrepreneurs, Government.

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THE IMPACT OF PRODUCT AND PRICING STRATEGY ON SELECTED SMALL AND MEDIUM ENTERPRISES IN KADUNA STATE

 

BELLO TAOFIK ABIDEMI (PhD), BANNAH BULUS DANIEL, ISAH IBRAHIM, UMAR SHEHU, & ALI SIRAJO

Department of General Studies, Nigerian Institute of Leather and Science Technology Zaria.

 

ABSTRACT

The purpose of the study is to explore the effect of pricing and product strategy on performance of Small and medium enterprises in Kaduna State Nigeria. A total of 75 managers were used in data analysis through a survey questionnaire. The study is cross sectional in nature. Smart PLS 3.0 was used in testing the measurement and structural model. The findings revealed that service price and service product is significantly related to small and medium enterprise performance. The findings of the study is important to researchers and policy makers. It will go a long way in assisting producers that will come up with durable and high quality product so as to be competitive and gain competitive edge.

Keywords: product strategy, Price strategy, SME performance. Managers, PLS

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TECHNOLOGY BANKING CHANNELS ON CUSTOMER SATISFACTION IN MICRO FINANCE BANK

 

HABU UMAR JINGI; NAOMI ISHIDI ASARYA; & GRACE ILIYA

Department of Office Technology and Management, Federal Polytechnic Mubi, Adamawa State.

 

ABSTRACT

The success of implementing the suggested technology banking service channels dependent on the ability firms to develop and institute a marketing plan which will attract sufficient numbers of users to give reason for the new system. This study therefore, sought to examine the effect of Technology banking service channels on customer satisfaction in Micro Finance Bank. The study used survey research design.  In order to answer the research questions for the study, 150 questionnaires were administered to bank customers of from six micro finance banks randomly selected in Adamawa state and 123 useful questionnaires were return which is exactly the sample size of the study. The ICT based products selected were ATM, Telephone Banking electronics, Money transfer, point of sales and Mobile Banking. A Likert scale-typed questionnaire was used with responses ranging from strongly disagree, disagree, neutral, agree and strongly agree. The study indicated that two of technology banking channels (ATM and point of sales) is significant while two of the technology banking channels product (mobile banking Telephone Banking electronics and Money transfer) are not significant. In summary, customers are satisfied with the ATM, point of sales and Mobile Banking but still not satisfied with the use of Telephone Banking electronics and Money. Overall result directs that, bankers should consider the facts and enhance service quality of technology banking channels in order to increase customers‘satisfaction. This study recommended that Micro finance Bank should properly implement their product based to increase customer satisfaction.

Keywords; Technology Banking Channels, Customer satisfaction, Micro Finance Bank

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EFFECT OF COMPUTER INSTRUCTIONAL TECHNIQUE ON JSS TWO BUSINESS STUDIES ACHIEVEMENTS: BAUCHI METROPOLIS IN PERSPECTIVE

 

*AUWAL, ABUBAKAR; **BUHARI, ADAMU; **HABU, ALI; **DAHIRU, ABBA; & **JAMILU, YAHUZA

*Department of Business Education, Bauchi Institute for Arabic and Islamic Studies, Bauchi, Bauchi State. **Department of Business Administration Faculty of Management Sciences Bauchi State University Gadau, Bauchi State.

 

ABSTRACT

This paper studied the effect of computer instructional technique on jss two business students achievements. The researchers used intact class in their experimental studies in which two group were selected as experimental and the other one as control group respectively. The design is called quasi-experimental design because its lack the full laboratory control and laboratory isolation, the designs are dependent upon the natural setting in which the researcher finds himself, the designs also explore the opportunity of collecting data in situations where nature has performed, or is performing its own experiment. Two junior secondary schools were selected from the population of which one were used as the treatment group. The computer instruction was used as a treatment where before the treatment both the two group were pretested and pos-tested immediately after the treatment. Two means were compared both for the two group before and after the treatment. The data collected were analysed using the SPSS statistical tools, T-test was also used in testing the hypotheses at 0.05 level of significant. The result shows no significant difference in students’ achievement before the treatment and also reveals significant difference when the treatment was conducted.   

Keywords: Computer, instruction, technique, business, studies, achievements.

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MARKETING STRATEGIES AND TOURISM BUSINESS: A WAY FORWARD IN POST COVID-19 ERA

 

1OGAH AROME VICTOR; 2ALUKO. PRISCA ENOVWO; & 3OLORUNMAIYE OLATUNBOSUN

1&2Department of Marketing, Federal Polytechnic Ado-Ekiti, Ekiti State 3Department of Purchasing and supply, Federal Polytechnic Ado-Ekiti, Ekiti State.

 

ABSTRACT

This study was on marketing strategies and tourism business: a way forward in post covid-19 era. Marketing strategies involves quick product launches, and the identification of new market dimensions needed to pursue and drive customers, and successfully drive profit. Specifically, the study examined the To examine the effect of social media marketing, word of mouth and pricing marketing strategies  on tourism businesses in post covid-19 era. The study utilized survey research design. Primary data was used in this study. The population of the study was 624 respondents consist of academic staff of Department of marketing, Management and Business Administration selected from institutions across Norh–Central and South-West, Nigeria The study utilized simple random sampling technique to select sample of 438 students for the study. 5-point likert scale option of structured questionnaire was used in the study to obtain respondents response.  Content validity was used to determine the validity of the instrument and the value of the test of reliability was 0.84 which was calculated using test-retest reliability method. Simple linear Regression Analyses was used to test the hypotheses. Three hypotheses were tested in line with the objectives of the study and it was revealed social media marketing, word of mouth and pricing marketing strategies have significant effect on tourism businesses in post covid-19 era.. The study suggested some recommendations as follows:  Tourism operator should engage in social media marketing to promote their business during post covid- 19 era. Also, they should improve on their environmental outlook with attractive features in order to entice tourist to spread good news about the tourism centre through word of mouth marketing strategy.

Keywords: Marketing strategies, Tourism, business, Post covid-19, Social media, Words of mouth

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IMPACT OF WORKING CAPITAL MANAGEMENT PRACTICE ON SMES PROFITABILITY: EVIDENCE FROM NORTH-EASTERN NIGERIA

 

ALI USMAN AND MUKTAR TAHIR SHEHU

Department of Accountancy, RM 4 Old Building, School of Business Studies, Federal Polytechnic Bauchi, Nigeria.

 

ABSTRACT

Working Capital Management has an intervening effect on a firm’s growth and performance. However, it is expected that an efficient working capital management practice might have a profound effect on the profitability of small enterprises, since a substantial proportion of the total assets of small and medium firms is constituted of the current assets and a sizeable fraction of their total liabilities is consisted of the current liabilities. Therefore the  current study is focusing  on  examine the  impact  of  working capital  management practice on  the  profitability of  SME’s operating in the North-East, Nigeria. A region devastated from Boko Haram insurgency as a result of high rate of unemployed youth. However, as a survey study the analyses was based on the questionnaire distributed to the operating SMEs under Technology Incubation Centre. The study employed descriptive statistics, correlation and one-way ANOVA on response from managers and accountant of the SMEs. The results showed that WCM practice significantly influence firms’ profitability. However, the results indicate that firms, especially SMEs should endeavor to set target levels for inventory, receivables, payables and cash conversion cycle in order to maximise profitability.

Keywords: Working Capital Management, SMEs, account receivable, account payable, inventory ratio, profitability.

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AN ASSESSMENT OF ACCOUNTING RECORD KEEPING PRACTICES AND PERFORMANCE OF SMALL AND MEDIUM SCALE ENTERPRISE’S (SME’S) IN NORTH EASTERN NIGERIA

 

IDRITH AHMED YUSUF   AND   USMAN MUHAMMAD BATURE

Department of Accountancy, Federal Polytechnic, Bauchi, Bauchi State, Nigeria

 

ABSTRACT

The significance of keeping proper books of accounts and sound accounting practices has been stressed in ensuring proper financial management in SMEs. In this study, we investigate the record keeping practices utilized by SMEs in six north eastern states of Nigeria, through data based on responses to a structured questionnaire from 270 SMEs in the region. We report that majority of SMEs fail to maintain complete accounting records as they think there is no need to keep accounting records and that it exposes their financial position, it was equally reported that, there was a strong positive relationship between joint influence of Accounting record keeping practices and the performance of SMEs in North Eastern Nigeria. It was then recommended that training programs must be organized to sensitize owners/managers on the need to maintain proper books of accounts. The government should also come out with the necessary legal instruments to make the preparation of proper books of accounts mandatory in order to improve accounting record keeping practices among SMEs in the region and Nigeria at large. Multiple Regression Analysis was used to analyze the data collected from the respondents with help of SPSS statistical package.

Keywords: record keeping, accounting practices, financial performance, SMEs.

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