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All Journal International Journal of Social Science and Religion (IJSSR) Journal of Management and Entrepreneurship Research
Ahmed Oluwatobi Adekunle
Walter Sisulu University, South Africa
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Push-Pull Factors and Financial Inclusion of MSME Owners in Nigeria: An Empirical Analysis Abdullahi Adio Babatunde; Ahmed Oluwatobi Adekunle
Journal of Management and Entrepreneurship Research Vol. 6 No. 4 (2025)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jmer.2025.12.06.4-83

Abstract

Objective: This study examines the determinants of financial inclusion among MSME owners in North Central Nigeria. Research Design & Methods: The study adopted a survey research design; the target population consisted of 11,607 MSME owners across North Central Nigeria. A combination of stratified and simple random sampling techniques was used to select participants. The sample size of 435 was determined using Krejcie and Morgan’s (1970) sample size formula. Data was analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Findings: The findings revealed that push-pull factors significantly explained variations in financial inclusion. Based on these results, the study concludes that push-pull factors have a positive effect on the financial inclusion of MSME owners in North Central Nigeria. Practical Implications: This study accentuates the imperative for financial regulatory bodies to adopt targeted financial inclusion management strategies tailored to the unique needs of Micro, Small, and Medium Enterprises (MSMEs). By doing so, these institutions can catalyze economic emancipation, particularly in emerging economies such as Nigeria. Recommendations: The study recommends that the government should implement financial literacy programs to raise awareness among MSME owners about the importance of financial knowledge and skills. Additionally, the government should collaborate with banks to provide lower interest rates and more flexible repayment options to ensure that financial support effectively reaches the intended beneficiaries. Contribution & Value Added: This research contributes to the literature by empirically demonstrating the influence of push-pull factors such as necessity-driven entrepreneurship (push) and opportunity-driven entrepreneurship (pull) on MSME performance in Kwara State, Nigeria.
Banking Fraud and Nigeria Economy: A Case Study of Selected Deposit Money Banks from Nigeria Ahmed Oluwatobi Adekunle
International Journal of Social Science and Religion (IJSSR) 2026: Volume 7 Issue 3
Publisher : Indonesian Academy of Social and Religious Research (IASRR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53639/ijssr.v7i3.424

Abstract

This study examines banking fraud and its effects on the Nigerian economy, focusing on selected deposit money banks: Ecobank, Union Bank, Skye Bank, Keystone Bank, Stanbic IBTC, and United Bank for Africa (UBA). Fraud has become pervasive in Nigerian banking, with fraudsters continually devising new methods to circumvent detection measures, often in collaboration with dishonest bank staff. Adopting an ex post facto research design, the study analyses time-series data from 2011 to 2024 using multiple linear regression. The dependent variable is GDP growth rate per capita, while independent variables include bank credit to the private sector, growth in liquid liabilities, and net interest margin. Findings reveal that bank credit exerts a positive and significant impact on economic growth in Nigeria. Similarly, growth in banks' liquid liabilities and net interest margins positively and significantly influence economic expansion. The study concludes that banking operations have contributed favourably to Nigeria's economic growth, though fraud remains a threat to public confidence and financial stability. It recommends directing credit to priority sectors such as manufacturing and agriculture, and that government legislation encourage private-sector financing through targeted incentives and a stable macroeconomic environment.
Co-Authors Abdullahi Adio Babatunde