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ABSTRACT This study investigated the effect of insurance industry performance on economic growth in Nigeria. Insurance is a protection from financial loss. The problem was that, there has been a paucity of local literature and studies on the performance of the insurance industry on economic growth in Nigeria. The specific objectives of the study were; to examine the effect of non- life insurance penetration on economic growth in Nigeria, assess ...

ABSTRACT This paper examine the determinants of savings in a deregulated economy in the light of the Nigeria experience during the period 1986-1993 and 1994- 2004. That is during SAP and Post SAP era respectively. The methodology involves the use of survey method for data  collection  and  utilized  simple  and  multiple  Regressions  for  analysis.  These techniques were used to test the impact of the SAP policies on savings habit of ...

ABSTRACT Sub-Saharan African countries are  still  at  the  crossroad of economic performance. Despite quarter of a century of economic reforms, propagated by national policies and international financial agencies and institutions, sub-Saharan Africa is still lagging behind in development. Once thought of as an area with huge potential for economic growth, sub-Saharan African countries are now representing the poorest and least developed populations of the world due largely to skewed economic ...

ABSTRACT The central tenet of banking sector consolidation was to develop a strong, reliable and diversified banking sector that is capable of playing effective developmental roles in the economy, such as funding of small and medium scale enterprises and becoming a competent and competitive player in the African regional and global financial system. In essence, the reform was expected to create big banks by increasing bank capital base through the ...

ABSTRACT This study examined the effect of mergers and acquisitions on the performance of Nigerian banking industry.  In order to strengthen the competitive and operational capabilities of banks in Nigeria  with  a  view  towards  returning  global  and  public  confidence  to  the  Nigerian banking sector and the economy in general, the Central Bank of Nigeria instituted a banking reform in 2004, which saw most of the then existing 89 banks merging ...

ABSTRACT In most  agrarian  economies  like  the  type  that  exists  in  Nigeria,  agricultural  production provides the needed fulcrum upon which a sustainable development would blossom. Being the main source of food for most of the population, till date, agricultural production remains the mainstay of the Nigerian economy. It provides the means of livelihood for most of the population, a major source of raw materials for the agro-allied industries and a ...

ABSTRACT The issue of value creation for stakeholders of the firm as a result of the composition of its financial mix can be traced to the seminal work of Modigliani and Miller (MM) in 1958. Their argument is the irrelevance of the financing mix of firms on value. Thus, whether the firm uses equity or debt, the value of the firm does not change. There  have been several theories after ...

ABSTRACT This work was carried out to appraise credit management techniques in United Bank for Africa (UBA) Plc, Gboko. Primarily, the work sought to find out the credit management techniques adopted in United Bank For Africa (UBA) Plc. Gboko, to trace the loads and advance granted by United Bank for Africa (UBA) Plc, Gboko and to establish the relationship that exist between credit management techniques and the performance of  the ...

ABSTRACT Mergers and Acquisitions is the current trend that is spreading throughout the world.   The various financial sector reforms of the past two decades in Nigeria brought about some changes in terms of the number of institutions, ownership structure, as well as depth and breadth of the market.   The recent reform (2005) prompted regulatory induced restructuring and engendered the alignment of banks to ensure a sound, responsive, competitive and transparent ...

ABSTRACT The study intends to investigate the impact of poor budgetary implementation in construction companies. The purpose is to specifically identify the major causes of poor budgetary implementation practices in construction companies using megastar technical and Construction Company Ltd, Aleed Construction Company, Anasami Construction Nig Ltd, Sametech Construction and C &C Construction Co. Ltd as case study. It is to determine the impact of poor budgetary implementation in construction companies ...

ABSTRACT A tax is a compulsory levy imposed on the income or profit of  an individual,  partnership  and  corporate  organisations  for  the financing of government expenditure without recourse to a corresponding benefit from tax payer.   Assessments are raised on total profit at the rate of either 30 percent or 20 percent if  it is a small company whose turnover is below ₦1million naira.   Various types of assessment s are raised ...

ABSTRACT Economists tend to emphasize that inflation causes economic damage by distorting investments and consumption decisions. These distortions could result  from households and businesses’ uncertainty about the effect of increases in prices of goods and services. When inflation is stable, people are likely to have the same anticipation of its future level, however, when inflation is volatile, future expectations will be uncertain thereby hindering the ability to forecast with certainty. ...

ABSTRACT Sometimes in 1999, some sector of the Banking Industry began to advocate the adoption of Universal Banking (UB).   As the argument for and against the introduction ranged on in conferences and workshops, the CBN had to succumb to the pressure from the proponents of Universal Banking by giving approval for the introduction of Universal Banking.   Fears have been expressed over the introductions of  Universal Banking.    These fears  appear to ...

ABSTRACT This study ascertains the influence of merger and acquisition as a growth and survival strategy. The crisis facing so many corporate firms as a result of capital inadequacy has led to the collapsing of so  many  firms.  As  a  result,  it  is  the  objectives  of  this  study  to evaluate  the  impact  of  merger  and  acquisition  on  growth  and survival of corporate firms using banks as study, to ascertain whether ...

ABSTRACT This project titled “The Role of Internal Control as the Foundation of Quality Management: a study of the Broadcast Media in Nigeria” is both a descriptive and an analytical study designed to evaluate the role of internal control in an organization so as to see whether, or otherwise, it is the bedrock of quality management. The entire work is chronicled into five chapters with each addressing an important segment ...

CHAPTER ONE INTRODUCTION ANALYSIS 1.1      GENERAL INTRODUCTION Internal control is the set of accounting and administrative control and practices that helps managers in operating their organization more effectively and efficiently. It ensures that both the accounting and administrative activities are in order with the laid down procedures, standards, and statutory requirements. It also detects deviation if any and  calls  for  immediate  corrective  measure.  In  any profit  oriented  organization,  the objective ...

ABSTRACT The research was undertaken to evaluate credit risk management  Perception  in  Nigeria  commercial  banks  using First bank of Nigeria Plc and Union bank of Nigeria Plc as a case study.The work was intended to achieve the following objectives; to examine the causes of credit risks in Nigeria commercial banks. To review the strength of the Commercial banks in combating this menace.To also ascertain the level of contribution of the ...

ABSTRACT In the tax administration of any country, in-depth knowledge of tax paying attitude is very pertinent. This is very consistent with this study the determinants of tax payers attitude in Nigeria and whose purpose was to examine the variables that account for the attitudes of tax payers and to ascertain whether or not such determinants allow for the payment compliance, in view of tax assessment. A sample size of ...

ABSTRACT One of the most conclusive lesson of economic theories over the past three centuries is that free markets, when allowed to operate within the norms of fairness to all market participants, lead to enhanced growth in the national economy.  When government  fails in its role as a  regulator,  it creates the market noise that may lead to market failures. Attempts to deal with these failures in themselves   sometimes   deepen   ...

ABSTRACT Pension Administration in Nigeria in the recent past has been very challenging.  The  present  experience  has  shown  the  administration could be relied upon given that is has undergone a lot of reforms poised to  make  a  difference  from  past  experiences.  The  present  PenCom Reform Act, 2004 is fashioned after the model in Chile. It is fully funded at all times; hence, there are no funding gabs. Where there seems ...