This study evaluated fiscal federalism in Nigeria with a view to identifying the areas of problem... more This study evaluated fiscal federalism in Nigeria with a view to identifying the areas of problems. Survey research method was adopted. Data collected through questionnaire were analyzed using Z-test. The findings revealed that the recommendations proffered by the commissions set up by government in respect to fiscal federalism did not make much impact on the economy due to some factors like: imperfection in the 1999 constitution, furthermore there are many problems inherent in fiscal federalism which has led to duplication of government functions and waste of public fund. However, in order to ensure an efficient and sound fiscal federalism in Nigeria, it is recommended among others that the Nigerian fiscal responsibility bill, due process should be adhered to by public officers. More so efforts should be made to ensure that all tiers of government adhere to fiscal transparency, accountability and constitutional provisions on fiscal relations. It is also recommended that National Fiscal Commission is established to enhance inter governmental understanding and cooperation in ways conducive to dialogue between federal, state and local government actors.
This study evaluated the implementation of Universal Basic Education (UBE) policy in Anambra Stat... more This study evaluated the implementation of Universal Basic Education (UBE) policy in Anambra State from 2005-2015. Specifically, It examined the extent to which ASUBEB has been able to ensure free and compulsory education for every child of school age, examined the state of infrastructural facilities provided by ASUBEB for the realization of the objectives of UBE; and ascertained the adequacy of the human capital provided for the implementation of UBE policy in the state. The theoretical framework of this study is structural functionalism theory by Herbert Spenser. Data for the study were obtained from 368 randomly selected respondents of ASUBEB staff and teachers from ASUBEB offices and UBE schools in randomly selected five local government areas in Anambra State. The sample size was gotten using Taro Yamani formula. Data were analyzed using descriptive and inferential statistical tools such as percentages and frequency. Results show that though since the launching of the ASUBEB Act in 2005, much has been achieved in the objectives of UBE in different areas in Anambra State, yet, it is not sufficient for the success of the programme as it has not succeeded in making education completely free and devised ways of compelling students to school; infrastructural facilities have been provided but not sufficient; and the human capital available for the success of the UBE policy is still lacking. Three recommendations were made in the study which includes that: ASUBEB should focus on achieving all the objectives of UBE not neglecting any one; the infrastructural facilities provided should be properly maintained and the body should focus on even distribution; finally, the human capital needed for the implementation of UBE policy should be adequately ensured and their welfare should be given prior attention.
The Niger Delta region constitutes a number of ethnic nationalities which are rich in natural res... more The Niger Delta region constitutes a number of ethnic nationalities which are rich in natural resources mainly in oil and gas reserves. However, the region has suffered extreme marginalization and neglect over the years despite its major contribution to the nations economy leading to agitations for better living standards by the people. The agitations have transformed from peaceful talks and dialogue to violence, unrest and chaos resulting to huge losses to the region and affecting the development process of the nation at large. This study examined the effect of the Niger Delta crisis on Evwreni and Otu-jeremi communities in Delta State. Data was collected through the administration of questionnaires, conduct of interviews and consultation of books and relevant documents. The data analysed revealed that the Niger Delta crisis has affected job creation, infrastructure provision and maintenance as well as increased criminal activities in the areas. Finally, the researcher recommended diversification of the economy, job creation and training programmes, strenghtening of security measures, provision of basic amenities amongst others as a solution to the crisis in the region.
This study examined the application of the concept of treasury single account (TSA) in the manage... more This study examined the application of the concept of treasury single account (TSA) in the management of public finances of tertiary institutions in Nigeria. Nnamdi Azikiwe University, Awka was used as case study. TSA is a bank account or a set of linked bank accounts through which the government transacts all its receipts and payments and gets a consolidated view of its cash position at any given time thus minimizing borrowing costs. The study adopted descriptive survey research method. Data for the study was collected from primary and secondary sources. Forty questionnaires were distributed while thirty-two respondents properly responded. The data generated were analyzed using descriptive and inferential statistics. The hypothesis formulated was tested using chi-square contingency test. The findings show, among others, that TSA finance management policy has not effectively succeeded in eliminating fraud in the management of public finances in tertiary institutions in Nigeria. Important recommendations were therefore suggested to remedy defects in the operation of the TSA in our tertiary institutions and the country as a whole. Introduction Public finance in the words of Browning and Browning (1979) is concerned with the study of how government policy, especially tax and expenditure policy, affects the economy and thereby the welfare of its citizens. Every government the world over is often confronted with the challenges of raising and applying funds judiciously for the provision of public goods. To achieve its aim of service delivery, proper financial management and control of resources in the public sector by the government is a desideratum. In Nigeria however, public financial accountability has always been a serious challenge to successive governments. This is largely because sourcing of funds in the public sector is a matter of legislative authority and subsidy and as such, efficiency in resource allocation, utilization and accountability is unduly compromised. To make up for this lapse, government often resorts to taxes as a convenient way of escaping the rigors of financial performance. Section 80(1) of the 1999 constitution of Nigeria expressly provides that " all
This research work is on " Remuneration Challenges and Industrial Conflicts in the Anambra State ... more This research work is on " Remuneration Challenges and Industrial Conflicts in the Anambra State Civil Service system: A mitigation strategy ". The study was motivated by the frequent complaints made by the civil servants over their remuneration and the insensitivity of the Anambra State government in addressing the problem especially against the backdrop of severe economic hardship the country is experiencing. These complaints often snowball into industrial conflicts in the state. Arising from these complaints, the researcher among other issues investigated the relationship between the mode of determining remuneration and industrial conflicts in the Anambra State Civil Service. Survey research design was adopted in carrying out the research. Data for the study were collected from primary and secondary sources. Five Ministries were chosen out of the existing seventeen Ministries in the state from where a sample size of 163 respondents was drawn. The data generated were analyzed using descriptive and inferential statistics. The descriptive statistics used were mean and standard deviation for the research questions. The hypotheses were tested using chi-square contingency test which is an inferential statistical tool. The findings show that industrial conflicts in the Anambra State Civil Service are consequences of the unilateral mode of determining the remuneration of the workers by the state government. The study further revealed that delays or outright reneging by the state government to implement negotiated remuneration agreements exacerbate industrial conflicts in the Anambra State Civil Service. The researcher therefore recommended a proactive approach to the problem which includes that the State government should embrace collective bargaining as a strategy for determining the wages of the civil servants. Secondly, that the Labour union, of necessity, should push for legislation making it binding for the government to honour negotiated agreement with labour
Physical environmentalists (notably meteorologists and climatologists) argue that there is an int... more Physical environmentalists (notably meteorologists and climatologists) argue that there is an interwoven relationship between the character of the physical environment and climate change. They therefore distill geophysical factors and analyze their interrelations within the matrix of geo-physical theories. But social scientists are primarily concerned with the human side of the problem: how man activities affect the character of the environment. Specifically, policy analysts are beset by the primary question of what the state does, will do and has in fact done to protect, increase or even vitiate the integrity of the environment. This paper contextualizes the problem of climate change within the governance purview and proposes that there is a direct relationship between the characters of the state and governance system on the one hand and Nigeria's response to climate change on the other. It recommends that environment friendly public policies should lie at the root of any effective measures against adverse climate change in Nigeria.
The rapid growth of urban population in Anambra State has far-reaching implications for waste gen... more The rapid growth of urban population in Anambra State has far-reaching implications for waste generation and management. This study therefore examines the role of private waste contractors in solid waste management in the state. The study anchored on the New Public Management theory. The descriptive survey research method was adopted and data was collected from primary and secondary sources. Four hundred questionnaires were distributed. The data generated were analyzed using descriptive statistics like frequency count, percentages and mean scores. The hypotheses formulated were tested with regression analysis. The findings show among others that solid waste recycling has not been adequately adopted by the state government and the private waste contractors as a waste management strategy. The State government is therefore encouraged to thoroughly review their contractual agreement with the private waste contractors to ensure that perceived inadequacies in their operations are addressed for enhanced service delivery. There is also need for intensified enlightenment campaign to ensure that citizens imbibe the right sanitary habit.
Occupational stress the greatest killer among white and blue collar workers. The monster is more ... more Occupational stress the greatest killer among white and blue collar workers. The monster is more prevalent among university workers especially the non-teaching staff. It is on this backdrop that the study was nurtured. The study essentially examined the effect of occupational stress and how it impairs the performance of the non-teaching staff in the south eastern universities in Nigeria. Descriptive research design was adopted. Data were collected using questionnaire, face to face interview, observation and focus group discussion. Major findings revealed that occupational stress do not have positive effect on the performance of non-teaching staff. Also the reduction of occupational stress has positive effect on the effectiveness of the employees under study. Based on the findings among the major recommendations is to decrease occupational stress of the non-teaching staff to increase their performance, and also to reduce the occupational stress of the non-teaching of the studied to improve their effectiveness.
This study evaluated the implementation of Universal Basic Education (UBE) policy in Anambra Stat... more This study evaluated the implementation of Universal Basic Education (UBE) policy in Anambra State from 2005-2015. Specifically, It examined the extent to which ASUBEB has been able to ensure free and compulsory education for every child of school age, examined the state of infrastructural facilities provided by ASUBEB for the realization of the objectives of UBE; and ascertained the adequacy of the human capital provided for the implementation of UBE policy in the state. The theoretical framework of this study is structural functionalism theory by Herbert Spenser. Data for the study were obtained from 368 randomly selected respondents of ASUBEB staff and teachers from ASUBEB offices and UBE schools in randomly selected five local government areas in Anambra State. The sample size was gotten using Taro Yamani formula. Data were analyzed using descriptive and inferential statistical tools such as percentages and frequency. Results show that though since the launching of the ASUBEB Act in 2005, much has been achieved in the objectives of UBE in different areas in Anambra State, yet, it is not sufficient for the success of the programme as it has not succeeded in making education completely free and devised ways of compelling students to school; infrastructural facilities have been provided but not sufficient; and the human capital available for the success of the UBE policy is still lacking. Three recommendations were made in the study which includes that: ASUBEB should focus on achieving all the objectives of UBE not neglecting any one; the infrastructural facilities provided should be properly maintained and the body should focus on even distribution; finally, the human capital needed for the implementation of UBE policy should be adequately ensured and their welfare should be given prior attention.
We use cookies to track usage and preferences. I Understand We use cookies to track usage and pre... more We use cookies to track usage and preferences. I Understand We use cookies to track usage and preferences. I Understand This study is based on a survey of 20 small and medium enterprises (SMEs) in Enugu metropolis and the environmental Sustainability practices. The sample was selected through stratified random sampling. A structured questionnaire was administered to owner/manager of selected firms, Controllers, Coordinator and Managing Director of Federal and State Government Environmental Agencies in order to elicit their views on the practice of among SMEs. Descriptive statistics were used to present responses whereas data were analysed with one sample t-test using SPSS 15. The major findings show that absence of enabling environmental law in Enugu State to complement Federal Environmental law, multiple taxations and absence of Private-Public Partnership with respect to the provision and maintenance of environment friendly technology by SMEs are constraints to environmental sustainability behaviour adoption among SMEs in Enugu metropolis. The implication is that most SMEs operate below the radar (join the informal sector) which is outside the control of law resulting in heavy unsustainable environmental behaviour. This study strongly recommend immediate enactment of environmental law, harmonization of taxes, levies, fees targeted at SMEs and public-private partnership with regards to the acquisition of environmentally-friendly technologies by SMEs in this early stage of advances toward environmental sustainability.
_______________________________________________________________________________________ Abstract ... more _______________________________________________________________________________________ Abstract Advances in information and communication technology and their wide application in bankingled to the development of alternative distribution channels/methods for banking services like ATMs, telephone and online banking among others. The success of this new distribution channel for banking products and services depends on their use by the Nigerian retail banking customers.The purpose of this study to employ discriminant analysis to classify retail bank customers on the basis of users and non-users; and to identify which variables that contributes to the classification. The study also sought to find out whether users and non-users of e-banking differ in opinion with respect to the variables that define e-banking usage. The sample size for the study is 1100.Quota sampling procedure was employed in selecting actual respondents as well as states and towns studied. The variables identified have multidimensional factors and were measured using five-point Likert scale. The findings are that factors like service quality, security, perceived risk, user input and individual factors of awareness, lifestyle, access to computer and knowledge of internet are significant in classifying customers on the basis of users and non-users of e-banking services. The study is a contribution to knowledge and has practical/managerial implications for banks and regulatory authorities as the rapid increase in the number of automated delivery channels and customers' preference to use them because of multifaceted attributes are putting pressure on banks to respond aggressively toward meeting customers' needs. Another implication of the study is that government and policy makers need to address the infrastructure deficit mainly ICT infrastructure that will drive e-banking. The study is significant as it has made a contribution to knowledge and is a springboard for research. Each of the variables used in the study need to be investigated separately for further insight. The variables used in the study including the demographics: like income, occupation and education are dynamic and thus have implications for further study. __________________________________________________________________________________________
The rural sector of Nigeria has not witnessed significant level of development in the part 52 yea... more The rural sector of Nigeria has not witnessed significant level of development in the part 52 years of the nation's independence. This is evidenced in the apparent lack of Basic Infrastructural facilities. This situation is so impute of the various measures or programmes that have been put in place to enhance the development of the rural sector. It is against this that the study is considered necessary and in carrying out the study we had as basic objectives, to a thoroughly examine the impediments to the realization of the rural development objectives the nation and to explore the necessary or imperative actions to enhance the development of the nations rural sector. In carrying out the study we relied mainly on secondary sources of information or data gathering and consequently adopted content analysis technique in our analysis. The basic finding are that there is noticeable de-emphasis of pro rural development policies and ineffective implement ting even the developed policies or programs to enhance the realization of the development of the rural sector, government, need to pay serious attention to developing and ensuring effective implementation of rural development policies and programs. As well, the political representatives from the various rural areas of the country need to be involved in articulatory relevant rural development programs for their constituencies and following up with effective unwitting to ensure effective implementation by government.
This study evaluated fiscal federalism in Nigeria with a view to identifying the areas of problem... more This study evaluated fiscal federalism in Nigeria with a view to identifying the areas of problems. Survey research method was adopted. Data collected through questionnaire were analyzed using Z-test. The findings revealed that the recommendations proffered by the commissions set up by government in respect to fiscal federalism did not make much impact on the economy due to some factors like: imperfection in the 1999 constitution, furthermore there are many problems inherent in fiscal federalism which has led to duplication of government functions and waste of public fund. However, in order to ensure an efficient and sound fiscal federalism in Nigeria, it is recommended among others that the Nigerian fiscal responsibility bill, due process should be adhered to by public officers. More so efforts should be made to ensure that all tiers of government adhere to fiscal transparency, accountability and constitutional provisions on fiscal relations. It is also recommended that National Fiscal Commission is established to enhance inter governmental understanding and cooperation in ways conducive to dialogue between federal, state and local government actors.
This study evaluated the implementation of Universal Basic Education (UBE) policy in Anambra Stat... more This study evaluated the implementation of Universal Basic Education (UBE) policy in Anambra State from 2005-2015. Specifically, It examined the extent to which ASUBEB has been able to ensure free and compulsory education for every child of school age, examined the state of infrastructural facilities provided by ASUBEB for the realization of the objectives of UBE; and ascertained the adequacy of the human capital provided for the implementation of UBE policy in the state. The theoretical framework of this study is structural functionalism theory by Herbert Spenser. Data for the study were obtained from 368 randomly selected respondents of ASUBEB staff and teachers from ASUBEB offices and UBE schools in randomly selected five local government areas in Anambra State. The sample size was gotten using Taro Yamani formula. Data were analyzed using descriptive and inferential statistical tools such as percentages and frequency. Results show that though since the launching of the ASUBEB Act in 2005, much has been achieved in the objectives of UBE in different areas in Anambra State, yet, it is not sufficient for the success of the programme as it has not succeeded in making education completely free and devised ways of compelling students to school; infrastructural facilities have been provided but not sufficient; and the human capital available for the success of the UBE policy is still lacking. Three recommendations were made in the study which includes that: ASUBEB should focus on achieving all the objectives of UBE not neglecting any one; the infrastructural facilities provided should be properly maintained and the body should focus on even distribution; finally, the human capital needed for the implementation of UBE policy should be adequately ensured and their welfare should be given prior attention.
The Niger Delta region constitutes a number of ethnic nationalities which are rich in natural res... more The Niger Delta region constitutes a number of ethnic nationalities which are rich in natural resources mainly in oil and gas reserves. However, the region has suffered extreme marginalization and neglect over the years despite its major contribution to the nations economy leading to agitations for better living standards by the people. The agitations have transformed from peaceful talks and dialogue to violence, unrest and chaos resulting to huge losses to the region and affecting the development process of the nation at large. This study examined the effect of the Niger Delta crisis on Evwreni and Otu-jeremi communities in Delta State. Data was collected through the administration of questionnaires, conduct of interviews and consultation of books and relevant documents. The data analysed revealed that the Niger Delta crisis has affected job creation, infrastructure provision and maintenance as well as increased criminal activities in the areas. Finally, the researcher recommended diversification of the economy, job creation and training programmes, strenghtening of security measures, provision of basic amenities amongst others as a solution to the crisis in the region.
This study examined the application of the concept of treasury single account (TSA) in the manage... more This study examined the application of the concept of treasury single account (TSA) in the management of public finances of tertiary institutions in Nigeria. Nnamdi Azikiwe University, Awka was used as case study. TSA is a bank account or a set of linked bank accounts through which the government transacts all its receipts and payments and gets a consolidated view of its cash position at any given time thus minimizing borrowing costs. The study adopted descriptive survey research method. Data for the study was collected from primary and secondary sources. Forty questionnaires were distributed while thirty-two respondents properly responded. The data generated were analyzed using descriptive and inferential statistics. The hypothesis formulated was tested using chi-square contingency test. The findings show, among others, that TSA finance management policy has not effectively succeeded in eliminating fraud in the management of public finances in tertiary institutions in Nigeria. Important recommendations were therefore suggested to remedy defects in the operation of the TSA in our tertiary institutions and the country as a whole. Introduction Public finance in the words of Browning and Browning (1979) is concerned with the study of how government policy, especially tax and expenditure policy, affects the economy and thereby the welfare of its citizens. Every government the world over is often confronted with the challenges of raising and applying funds judiciously for the provision of public goods. To achieve its aim of service delivery, proper financial management and control of resources in the public sector by the government is a desideratum. In Nigeria however, public financial accountability has always been a serious challenge to successive governments. This is largely because sourcing of funds in the public sector is a matter of legislative authority and subsidy and as such, efficiency in resource allocation, utilization and accountability is unduly compromised. To make up for this lapse, government often resorts to taxes as a convenient way of escaping the rigors of financial performance. Section 80(1) of the 1999 constitution of Nigeria expressly provides that " all
This research work is on " Remuneration Challenges and Industrial Conflicts in the Anambra State ... more This research work is on " Remuneration Challenges and Industrial Conflicts in the Anambra State Civil Service system: A mitigation strategy ". The study was motivated by the frequent complaints made by the civil servants over their remuneration and the insensitivity of the Anambra State government in addressing the problem especially against the backdrop of severe economic hardship the country is experiencing. These complaints often snowball into industrial conflicts in the state. Arising from these complaints, the researcher among other issues investigated the relationship between the mode of determining remuneration and industrial conflicts in the Anambra State Civil Service. Survey research design was adopted in carrying out the research. Data for the study were collected from primary and secondary sources. Five Ministries were chosen out of the existing seventeen Ministries in the state from where a sample size of 163 respondents was drawn. The data generated were analyzed using descriptive and inferential statistics. The descriptive statistics used were mean and standard deviation for the research questions. The hypotheses were tested using chi-square contingency test which is an inferential statistical tool. The findings show that industrial conflicts in the Anambra State Civil Service are consequences of the unilateral mode of determining the remuneration of the workers by the state government. The study further revealed that delays or outright reneging by the state government to implement negotiated remuneration agreements exacerbate industrial conflicts in the Anambra State Civil Service. The researcher therefore recommended a proactive approach to the problem which includes that the State government should embrace collective bargaining as a strategy for determining the wages of the civil servants. Secondly, that the Labour union, of necessity, should push for legislation making it binding for the government to honour negotiated agreement with labour
Physical environmentalists (notably meteorologists and climatologists) argue that there is an int... more Physical environmentalists (notably meteorologists and climatologists) argue that there is an interwoven relationship between the character of the physical environment and climate change. They therefore distill geophysical factors and analyze their interrelations within the matrix of geo-physical theories. But social scientists are primarily concerned with the human side of the problem: how man activities affect the character of the environment. Specifically, policy analysts are beset by the primary question of what the state does, will do and has in fact done to protect, increase or even vitiate the integrity of the environment. This paper contextualizes the problem of climate change within the governance purview and proposes that there is a direct relationship between the characters of the state and governance system on the one hand and Nigeria's response to climate change on the other. It recommends that environment friendly public policies should lie at the root of any effective measures against adverse climate change in Nigeria.
The rapid growth of urban population in Anambra State has far-reaching implications for waste gen... more The rapid growth of urban population in Anambra State has far-reaching implications for waste generation and management. This study therefore examines the role of private waste contractors in solid waste management in the state. The study anchored on the New Public Management theory. The descriptive survey research method was adopted and data was collected from primary and secondary sources. Four hundred questionnaires were distributed. The data generated were analyzed using descriptive statistics like frequency count, percentages and mean scores. The hypotheses formulated were tested with regression analysis. The findings show among others that solid waste recycling has not been adequately adopted by the state government and the private waste contractors as a waste management strategy. The State government is therefore encouraged to thoroughly review their contractual agreement with the private waste contractors to ensure that perceived inadequacies in their operations are addressed for enhanced service delivery. There is also need for intensified enlightenment campaign to ensure that citizens imbibe the right sanitary habit.
Occupational stress the greatest killer among white and blue collar workers. The monster is more ... more Occupational stress the greatest killer among white and blue collar workers. The monster is more prevalent among university workers especially the non-teaching staff. It is on this backdrop that the study was nurtured. The study essentially examined the effect of occupational stress and how it impairs the performance of the non-teaching staff in the south eastern universities in Nigeria. Descriptive research design was adopted. Data were collected using questionnaire, face to face interview, observation and focus group discussion. Major findings revealed that occupational stress do not have positive effect on the performance of non-teaching staff. Also the reduction of occupational stress has positive effect on the effectiveness of the employees under study. Based on the findings among the major recommendations is to decrease occupational stress of the non-teaching staff to increase their performance, and also to reduce the occupational stress of the non-teaching of the studied to improve their effectiveness.
This study evaluated the implementation of Universal Basic Education (UBE) policy in Anambra Stat... more This study evaluated the implementation of Universal Basic Education (UBE) policy in Anambra State from 2005-2015. Specifically, It examined the extent to which ASUBEB has been able to ensure free and compulsory education for every child of school age, examined the state of infrastructural facilities provided by ASUBEB for the realization of the objectives of UBE; and ascertained the adequacy of the human capital provided for the implementation of UBE policy in the state. The theoretical framework of this study is structural functionalism theory by Herbert Spenser. Data for the study were obtained from 368 randomly selected respondents of ASUBEB staff and teachers from ASUBEB offices and UBE schools in randomly selected five local government areas in Anambra State. The sample size was gotten using Taro Yamani formula. Data were analyzed using descriptive and inferential statistical tools such as percentages and frequency. Results show that though since the launching of the ASUBEB Act in 2005, much has been achieved in the objectives of UBE in different areas in Anambra State, yet, it is not sufficient for the success of the programme as it has not succeeded in making education completely free and devised ways of compelling students to school; infrastructural facilities have been provided but not sufficient; and the human capital available for the success of the UBE policy is still lacking. Three recommendations were made in the study which includes that: ASUBEB should focus on achieving all the objectives of UBE not neglecting any one; the infrastructural facilities provided should be properly maintained and the body should focus on even distribution; finally, the human capital needed for the implementation of UBE policy should be adequately ensured and their welfare should be given prior attention.
We use cookies to track usage and preferences. I Understand We use cookies to track usage and pre... more We use cookies to track usage and preferences. I Understand We use cookies to track usage and preferences. I Understand This study is based on a survey of 20 small and medium enterprises (SMEs) in Enugu metropolis and the environmental Sustainability practices. The sample was selected through stratified random sampling. A structured questionnaire was administered to owner/manager of selected firms, Controllers, Coordinator and Managing Director of Federal and State Government Environmental Agencies in order to elicit their views on the practice of among SMEs. Descriptive statistics were used to present responses whereas data were analysed with one sample t-test using SPSS 15. The major findings show that absence of enabling environmental law in Enugu State to complement Federal Environmental law, multiple taxations and absence of Private-Public Partnership with respect to the provision and maintenance of environment friendly technology by SMEs are constraints to environmental sustainability behaviour adoption among SMEs in Enugu metropolis. The implication is that most SMEs operate below the radar (join the informal sector) which is outside the control of law resulting in heavy unsustainable environmental behaviour. This study strongly recommend immediate enactment of environmental law, harmonization of taxes, levies, fees targeted at SMEs and public-private partnership with regards to the acquisition of environmentally-friendly technologies by SMEs in this early stage of advances toward environmental sustainability.
_______________________________________________________________________________________ Abstract ... more _______________________________________________________________________________________ Abstract Advances in information and communication technology and their wide application in bankingled to the development of alternative distribution channels/methods for banking services like ATMs, telephone and online banking among others. The success of this new distribution channel for banking products and services depends on their use by the Nigerian retail banking customers.The purpose of this study to employ discriminant analysis to classify retail bank customers on the basis of users and non-users; and to identify which variables that contributes to the classification. The study also sought to find out whether users and non-users of e-banking differ in opinion with respect to the variables that define e-banking usage. The sample size for the study is 1100.Quota sampling procedure was employed in selecting actual respondents as well as states and towns studied. The variables identified have multidimensional factors and were measured using five-point Likert scale. The findings are that factors like service quality, security, perceived risk, user input and individual factors of awareness, lifestyle, access to computer and knowledge of internet are significant in classifying customers on the basis of users and non-users of e-banking services. The study is a contribution to knowledge and has practical/managerial implications for banks and regulatory authorities as the rapid increase in the number of automated delivery channels and customers' preference to use them because of multifaceted attributes are putting pressure on banks to respond aggressively toward meeting customers' needs. Another implication of the study is that government and policy makers need to address the infrastructure deficit mainly ICT infrastructure that will drive e-banking. The study is significant as it has made a contribution to knowledge and is a springboard for research. Each of the variables used in the study need to be investigated separately for further insight. The variables used in the study including the demographics: like income, occupation and education are dynamic and thus have implications for further study. __________________________________________________________________________________________
The rural sector of Nigeria has not witnessed significant level of development in the part 52 yea... more The rural sector of Nigeria has not witnessed significant level of development in the part 52 years of the nation's independence. This is evidenced in the apparent lack of Basic Infrastructural facilities. This situation is so impute of the various measures or programmes that have been put in place to enhance the development of the rural sector. It is against this that the study is considered necessary and in carrying out the study we had as basic objectives, to a thoroughly examine the impediments to the realization of the rural development objectives the nation and to explore the necessary or imperative actions to enhance the development of the nations rural sector. In carrying out the study we relied mainly on secondary sources of information or data gathering and consequently adopted content analysis technique in our analysis. The basic finding are that there is noticeable de-emphasis of pro rural development policies and ineffective implement ting even the developed policies or programs to enhance the realization of the development of the rural sector, government, need to pay serious attention to developing and ensuring effective implementation of rural development policies and programs. As well, the political representatives from the various rural areas of the country need to be involved in articulatory relevant rural development programs for their constituencies and following up with effective unwitting to ensure effective implementation by government.
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Papers by Dr. Dennis Amobi