Search

This paper examines the causality between fraud and bank performance in Nigeria over the period 2000-2016 for quarterly financial data using Johansen’s Multivariate Cointegration Model and Vector Autoregressive (VAR) Granger Causality analysis. The results show a long-run relationship between the variables. Bank performance was found to be linked to Granger fraud variables and vice versa at 10% significant level. This study reveals that there was a direct causal relationship between bank performance and fraud because increase in fraudulent activities in the banking sector leads to reduction in bank performance. Hence, this study recommends that internal control systems of banks should be strengthened so as to detect and prevent fraud. In this way, bank assets would be protected.

The inflexibility of poverty is being met with increasing impatience from governments of diverse ideologies, donors and other international agencies. Recent data compilations show that many poor and non-poor people in many developing countries face a high degree of financial exclusion and high barriers in access to finance. Therefore, financial inclusion plays a critical role in reducing poverty. Hence, this paper examines the relationship between sustainable financial services and poverty reduction in Nigeria from 1965 - 2010 using Error Correction Model (ECM). It was observed that total value prime lending rate, financial savings, credit to private sector and rate of inflation all have significant impact on the financial deepening. In the final analysis, the study concludes that financial inclusion tends to strengthen financial deepening and provide resources to the banks to expand credit delivery thereby leading to financial development. The study therefore recommends that these findings, in turn, will inform the policy makers and stakeholders to build more inclusive financial systems

Nigeria as a developing country in African continent is one of the major suppliers of crude oil in the world and the effect of climate change on her employment status cannot be over-emphasized. Employment debates have been of high discussion in the world news. Nigeria, due to its vulnerability to climate change is moving towards investing on the renewable energy industry so as to militate the effects of climate change as well as economic advancement. This paper through the use of exploratory methods, aims to explore the existing literatures to examine the impact of climate change on employment, be it – in the short; medium and long term. The results were presented through statistical charts. However, this study discovered that effects of climate change was felt over the longer term when technical change and innovation would lead to more job creation, productivity improvements and growth. The study therefore recommends that all the stakeholders should raise awareness on the environmental effects of climate change and focus on policies that militate against the adverse effect of climate change and inevitably having impact on jobs, working conditions and incomes in many sectors.

This paper analyzes relationship between external debt and economic growth. Data collections are mainly secondary over the period of 1980 to 2010. The study hypothesized negative relationship between external debt; debt servicing and economic growth. Collected data were regressed using OLS technique and Augmented Dickey Fuller to test for the stationarity of the variables. Findings indicate a negative relationship between external debt and economic growth while that of debt servicing conforms with the apriori expectation of positive relationship. Hence, it is therefore recommended that Nigeria has to narrow down its international trade in order to save its balance of payment (BOP) to meet debt servicing needs of the country. The policy makers should also create credibility including political will in order to spur investor confidence for both local and foreign investments.

This study intends to critically analyze the relationship between perceived attributes as factors and consumers’ engagement with electronic banking technology. A survey method was used to gather data from 200 secondary school teachers from five selected local government in South- Western part of Nigeria namely; Ibadan North, Egbeda, Ido, Ibadan North-East and Ibadan North- West Local government. Data was collected with a structured questionnaire and analyzed with several descriptive statistics to identify consumers’ engagement in electronic banking technology in Nigeria. The results of the study therefore reveals that the most common influential factors hindering consumers’ adoption of electronic banking in Nigeria are relative advantage of economic gains and non-economic gains, social character, communication behavior, trialability as well as observability. Hence, it therefore recommends that the banks should create channels through which customers’ awareness will be enhanced and employ IT trained personnel to monitor and report any fraudulent transaction in order to secure customers’ trust on safety risk/security.