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    Assessment of the Impact of Social Care on Local Consumption in Kwara State, Nigeria
    (THE INTERNATIONAL JOURNAL OF BUSINESS & MANAGEMENT, 2023-06-12) Zekeri Abu; S. B. Isiaka; Dr. Rahman Mustapha; Monsur Jimoh
    This paper examines the impact of social care on local consumption in Kwara State, Nigeria. The study employed quantitative research methods and primary data were obtained by means of a well-structured questionnaire. Analytical Techniques Descriptive statistics were used to describe the socio-economic characteristics of the respondents. In analyzing the determinants of variables in the study area, regression analysis was adopted. The target population includes beneficiaries of social care programs in Kwara State who were captured in National Social Register for the poor and vulnerable. A multi-stage sampling technique was employed and 150 beneficiaries were identified. The findings revealed that social assistance programs play a vital role in enhancing local consumption and fostering economic development in Kwara State. The study recommended that government should allocate adequate funding to the implementation of social care programs and ensure their long-term viability and effectiveness.
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    Impact of Nigerian University Entrepreneurship Education Programme on Venture Creation: A Review
    (African Journal of Management and Business Research, 2023-11-05) Isiaka, S.B , Osanyinlusi, G.E and Adebayo, P.O
    Entrepreneurship is increasingly being recognized as an important driver of economic value, productivity, innovation, and employment, and it is widely accepted as a key aspect of modern economic development. However, because of millions of graduates’ inability to secure jobs, young people are now apparently searching for entrepreneurship education that can equip them with the necessary entrepreneurial knowledge and skills to succeed in running personal businesses or to create a job from seizing existing entrepreneurial opportunities. Most of the higher institutions of learning in Nigeria have responded to this demand by introducing entrepreneurship courses to students with a view to promoting new venture creation as well as a professional entrepreneurship career. This study adopted a systemic literature review to study the common themes, and analyze patterns, insights from different studies, thereby providing a synthesized view of the overall impact of the university program on students' entrepreneurial outcomes. It was observed that if entrepreneurial potential were identified early and nurtured throughout educational experience, the result both for the individuals concerned will be making more successful entrepreneurs and for society would be more new ventures created. The study concluded that entrepreneurship training for young people in the art of venture creation is paramount to university education in recent time. In this context, it is of primary importance to understand whether current entrepreneurship education as provided by various higher institutions in Nigeria has significantly impacted on entrepreneurial behaviour and new venture creation. Keywords: Entrepreneurship, University Spinoff, Venture Creation, University Entrepreneurship Education, Entrepreneurial Graduates.
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    IMPACT OF E-PAYMENTSYSTEM ON BUYING BEHAVIOUR: EVIDENCE FROM RETAIL OUTLETS IN ILORIN METROPOLIS, NIGERIA
    (nternational Journal of Research in Arts and Social Sciences/UNN Nnsuka, 2017-04-04) P. O. Adebayo & G. E. Osanyinlusi & A. O. Adekeye
    There is a conflicting view about the recent introduction of electronic payment platforms amongst retail outlets in Nigeria. This has degenerated to various arguments and controversies among stakeholders. This study attempts to clarify this by investigating the impact of e-payment onbuying behaviour.The study adopts a survey research design. Data were collected through self-administration of questionnaire to customers of selected retail outlets in Ilorin metropolis.A total of 89 copies were correctly filled and analyzed using simple percentage and multiple regression analyses. The result of the findings revealed adjusted R2 was 0.723 for hypothesis I and 0.807 for hypothesis II.This implies that about 73% of the variation in customers buying behaviour is explained by variables in the model - reliability, responsiveness and assurance. While about 81% of the variation in customers payment experience is explained by the variables - security, risk and cost of payment.The study concludes that e-payment system has significant effects on buying behaviour of retail outlets customers as it enables wider coverage of business transactions and increased customer satisfaction. The study recommends that retail outlet operators need to develop better approaches to respond to new order of business transaction with certain degree of creativity and innovativeness.
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    Deposit Money Banks’ Lending Policy on Access to Credit: A Study of Selected Packaged Water Ventures in Ilorin Metropolis
    (International Journal of Economics and Development Policy (Gombe State University, Gombe)., 2021-12-03) Adebayo, Philips Olugbenga
    Small businesses have in recent time contributed immensely to global economic output. However, in Nigeria, poor access to credit facilities from deposit money banks (DMBs) has constituted a serious impediment to the growth potential of the subsector. This study examined the impact of DMBs lending policy on credit access to SSEs in Ilorin metropolis. Descriptive survey design was adopted for the study involving twenty-seven (27) packaged water ventures selected using purposive sampling technique. Research hypotheses were tested with regression analysis, correlation and t-test statistical tools at 0.05 alpha levels. The results obtained from the analyses showed that interest rate has negative effect on credit access. The findings further revealed that collateral requirements (landed assets, other assets/facilities) significantly affect working capital loan. More so, it was revealed that business record such as financial statement, sales records, bank account records, business plan, customer record and evidence of insurance service have positive effect on credit access. The study concludes that both interest rate policy and collateral requirements have combined effect on credit access from DMBs to SSEs. It was recommended among others that management of deposit money banks should be strategic at implementing and or executing interest rate while the regulatory body and other stakeholders should regularly review the market trends and other parameters while making lending policies. Keywords: Deposit money bank, lending policy, credit access, collateral, interest rate
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    New trends of intelligent e-marketing and consumer buying behaviour: a study of selected universities in Osun State, Nigeria
    (Jurnal Aplikasi Manajemen, Ekonomi dan Bisnis, 2020-10-03) Zekeri Abu; Haorayau Bolaji Babalola; Saheed Ademola Lateef
    Understanding the attitude and behavior of customers is essential for every company where consumers differ in attitudes towards product/service. The consumer buying behavior in today's information-saturated world is based on how a product/service is marketed. However, the rapid diffusion of technology anchored growth and challenges on e-marketing trends. For instance, despite the widespread and large-scale adoption of e-marketing around the world, one does not see this trend happening on a big scale in Nigeria. Therefore, this study examines the influence of e-marketing factors on consumer buying behavior in the Nigerian context with particular reference to the University students participating in online business. The study employed the quantitative method, where primary data were collected via online distribution of the questionnaires among 233 customers, specifically students of the Osun state Universities in Nigeria. Also, structural equation modeling using AMOS software was employed to examine the relationship and hypothesis testing. The findings of this study revealed that e-marketing is positively and significantly influence consumer buying behavior in the area of e-mail marketing, mobile marketing, and e-advertising factors. The study asserted that firms must engage the consumers using technology that are more likely acceptable by consumers in the present digital and customer-oriented era. Also, knowing fully the emerging technologies may furnish valuable insights for various stakeholders to work well in Nigeria. Finally, the new trends in e-marketing are recommended from a strategic and operational level in which different techniques ease the buying behaviour of consumers