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Digital Transformation for Educational Development in Sub-Saharan Africa Gbadebo, Adedeji Daniel
International Journal of Social Science and Religion (IJSSR) 2024: Volume 5 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.v5i3.262

Abstract

Digital transformation holds significant promise for revolutionizing education in Sub-Saharan Africa (SSA). This paper examines the challenges of digital transformation in education in the SSA region. We observed that the challenges are multifaced, including infrastructure deficits, access and equity barriers, digital literacy gaps, financial constraints, policy challenges, and regulatory barriers. To overcome these challenges, the paper offers some recommendations that can help the SSA countries to unlock the transformative power of digital technologies to advance education, empower learners, and build a brighter future. Amongst other, the paper suggests that stakeholders must adopt an integrated approach to infrastructure development, promote equitable access and inclusion, invest in capacity building and skills development, localize educational content, mobilize financial resources, enact policy and regulatory reforms, and foster collaborative partnerships.
CROWDFUNDING AND GROWTH OF SMALL AND MEDIUM ENTERPRISES IN NIGERIA Ibrahim, Majeed Ajibola; Gbadebo, Adedeji Daniel; Akande, Joseph Olorunfemi
J-MACC Vol 7 No 2 (2024): Oktober
Publisher : Fakultas Ekonomi Universitas Islam Darul Ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/j-macc.v7i2.7397

Abstract

Crowdfunding has emerged as a vital alternative financing mechanism. The increased economic activity of small and medium enterprises (SMEs) due to crowdfunding has a ripple effect, stimulating broader growth for the sector. This research underscores the transformative potential of crowdfunding by examining how the increase in financial performance, innovation capabilities, and job creations of SMEs due to crowdfunding has impacted the growth of selected SMEs. The study uses survey design to gather data involving 50 owners of registered SMEs in Ibadan, Nigeria. The information gathered from the questionnaires were coded and used to complete a regression analysis to retain the study aims. The evidence identifies that only financial performance and improved innovation from the SMEs due to crowdfunding have positive and significant impacts on their growth. We suggest recommendations that would enhance the attractiveness of crowdfunding, such as government implementing policies that support crowdfunding as well as the creation of awareness and education for crowdfunding participants.
Micro Credit and Poverty Alleviation in Nigeria: Evidence from Selected Agribusiness Cooperative Societies in Oyo State Ibrahim, Majeed Ajibola; Gbadebo, Adedeji Daniel; Dada, Olawale Bamidele
Ilomata International Journal of Tax and Accounting Vol. 5 No. 3 (2024): July 2024
Publisher : Yayasan Ilomata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijtc.v5i3.1599

Abstract

Poverty is one of the world's biggest issues, particularly in third-world countries. Nigeria is not an exception to the rule that governments everywhere have been developing various economic and social policies or programs to lower the poverty rate inside their borders. It is well known that cooperative groups, particularly at the medium and micro levels, have proven essential to economic progress. This study investigates the impact of micro-credit on poverty eradication in Nigeria. To examine whether microcredit facilitates a decline in poverty, we use a simple linear model to test the hypothesis that cooperative societies greatly impact poverty, using primarily sourced data from Cooperative Societies in Oyo State. The impact of timely access to micro-credit, credit lending rate, and technical support have negative and significant coefficients of -0.229, -0.242, and -0.231. This supposes that any increase in all variables will result in a drop in poverty alleviation among agribusiness cooperators. The outcome demonstrates that a cooperative society has significantly raised the living standards of its members. This shows that cooperative societies are important in reducing poverty. They offer financial and technical services, which help low-income earners whom traditional financial institutions do not primarily support. We suggest using legislative approaches to keep cooperative societies relevant to Nigeria's efforts to reduce poverty.
The Correlation of Investment Securities and the Returns of Pension Fund Administrators in an Emerging Economy Abdulrauf, Lukman Adebayo-Oke; Gbadebo, Adedeji Daniel
Ilomata International Journal of Tax and Accounting Vol. 5 No. 3 (2024): July 2024
Publisher : Yayasan Ilomata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijtc.v5i3.1600

Abstract

The pension fund administrators (PFAs) are saddled with the responsibility to manage and invest pension contributions on behalf of employees through investment in securities and the earnings from the investments. The PFAs are constantly faced with the problem of the optimization of financial performance of assets to make investment on. In line with theory, econometric offers the correlation frameworks as a simple and efficient way to resolve and understand the relationship between financial assets and financial returns. We applied the Pairwise correlation approach on published information of the National Pension Commission (PENCOM) during 2007 to 2021, to evaluate the connection between four financial assets that the PFAs in Nigeria invest in and the investment returns. In sum, two of the securities – money market securities and mutual funds – have positive relationship with the PFAs’ returns, and the other two considered – the federal government securities and private equity funds – have negative relationship with the PFAs’ returns. Only the correlation between the growth of investment return and investment in money market securities is moderate and significant, whereas others are low and insignificant, thus leading us to refute the first hypothesis, maintaining others. This offers insights into factors that affects their financial performance and investment strategies to be put in place to optimize return which in turn will benefit their contributors. The outcome provides policymakers and regulators with a comprehensive overview of the entire investment securities and performance of administrators.
Working Capital Management and Financial Performance: Evidence from Deposit Money Banks in Nigeria Gbadebo, Adedeji Daniel
Ilomata International Journal of Tax and Accounting Vol. 5 No. 3 (2024): July 2024
Publisher : Yayasan Ilomata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijtc.v5i3.1663

Abstract

Introduction: Clear and well-defined policies regarding working capital management are imperative for organizations. The efficient management of working capital not only enhances a bank's financial performance but also fosters customer confidence, facilitates the payment of short-term debts, and contributes to sectoral growth and national development The paper examines the impact of working capital management on the financial performance of Listed deposit money banks in Nigeria Method: To establish the aim, the paper applies the panel generalized method of moments on published data of deposit money banks in Nigeria from 2012 to 2022. The study uses variables such as working capital, gross operating profit, and cash conversion cycle, as components of working capital management and return on assets to represent financial performance. Result: The outcome shows a positive and significant relationship between effective working capital management and financial performance. The gross operating profit was found to have a positive and significant impact on the financial performance of the banks. The paper identifies a negative but significant relationship between the cash conversion cycle and financial performance. Lastly, the macroeconomic factors, such as inflation rates, and interest rates, were found to have a significant impact on the financial performance of the banks. Conclusion: The study highlights the importance of effective working capital management, and strategic responsiveness to macroeconomic conditions for the financial success of listed deposit money banks in Nigeria. The paper offers, amongst others, that there should be regular assessments of financial performance and internal processes are essential to identify areas of improvement and ensure adherence to best practices in working capital management.
Using the Machine Learning Algorithms for Accurate Prediction of Diabetes Emmanuel Imuede Oyasor; Gbadebo, Adedeji Daniel
The Indonesian Journal of Computer Science Vol. 13 No. 6 (2024): The Indonesian Journal of Computer Science (IJCS)
Publisher : AI Society & STMIK Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33022/ijcs.v13i6.4488

Abstract

Diabetics has proven to be the most threatening illness affecting the body system. It is associated with many consequences, including blindness, kidney failure, amputations, heart failure, microvascular and macrovascular complications, which affects millions of people across the world and has contributed to increased mortality. Studies shows that effective management and early detection of diabetes remains crucial for preventing its complications and improving the patient. According to available data, we use machine learning algorithms, including the Support Vector Machine (SVM), AdaBoost (ADA), Neural Networks (NNET), K-Nearest Neighbors (KNN), Random Forest (RF), and Logit Boost (LOGIT), for the accurate prediction of diabetes amongst patients. We find that the Logit Boost and AdaBoost stand out as the top performers for predicting diabetic patients, with balanced and reliable performance across various evaluation metrics. They exhibit high accuracy, strong AUC scores, and good overall performance across multiple metrics, making them suitable for this classification task. Neural Networks show excellent precision and low log loss, indicating strong probabilistic predictions, but their lower specificity suggests a higher false-positive rate. Random Forest demonstrates good recall but lower accuracy on the test set, indicating potential overfitting to the training data. SVM and KNN perform the weakest across most metrics, suggesting they may not be the best choices for this prediction task.
Evaluating China’s Belt and Road Railway Projects in Nigeria: Infrastructure Gains and Strategic Risks Gbadebo, Adedeji Daniel
JAKPP (Jurnal Analisis Kebijakan & Pelayanan Publik) Volume 11 No. 2, Juli 2025
Publisher : Departemen Ilmu Administrasi FISIP UNHAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31947/jakpp.v11i2.43812

Abstract

China's Belt and Road Initiative (BRI) has had a substantial impact on Nigeria's infrastructure development, notably railway projects. This report evaluates the risks and advantages of BRI-funded railway projects, with a focus on the economic, social, and environmental implications. Utilizing a structured survey of 300 respondents from the Federal Capital Territory and Keffi in Nasarawa State, and analyzed using chi-square statistical methods, the research evaluates both the perceived benefits and associated risks of BRI-funded railway projects. While BRI railway investments improve transportation infrastructure, economic activity, and regional connections, questions remain about debt sustainability, reliance on Chinese technology and labor, and governance transparency. Statistical finings shows that the claimed advantages of BRI railway projects have no statistically meaningful influence on Nigeria's infrastructure development. Furthermore, the related dangers, such as increased national debt and economic reliance, are not much greater than the advantages. The study highlights critical policy implications, including the need for renegotiated BRI terms to enhance local enterprise participation, rigorous cost-benefit assessments before loan engagements, and strengthened governance frameworks to ensure transparency and accountability. It also underscores the importance of long-term maintenance strategies and robust environmental impact assessments to preserve infrastructure functionality and mitigate adverse outcomes. Furthermore, long-term maintenance plans and environmental impact assessments should be addressed in order to maintain infrastructure efficiency and reduce negative consequences. These insights contribute to ongoing discourse on infrastructure governance and development financing in emerging economies, underscoring the necessity of context-sensitive policy approaches that balance international cooperation with domestic capacity-building and institutional integrity.
The Impact of Board Diversity on Financial Performance: Firm-Level Evidence in Nigeria Dada, Olawale Bamidele; Gbadebo, Adedeji Daniel; Ibrahim, Majeed Ajibola
EL MUHASABA: Jurnal Akuntansi (e-Journal) Vol 16, No 2 (2025): EL MUHASABA
Publisher : Jurusan Akuntansi Fakultas Ekonomi Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/em.v16i2.33818

Abstract

Purpose: The study aims to investigate whether specific dimensions of board diversity enhance firm performance. Method: Panel data from the period of 2015 and 2022, covering 20 listed firms, were analyzed using both OLS and Fixed Effects techniques. Board diversity variables included the proportion of female directors, board members with PhDs, and foreign directors. Control variables included firm age, leverage, asset size, CSR experience, and board size. Two measures of financial performance were used: return on assets (ROA) and return on equity (ROE). Results: The results indicate that the female board has a positive but insignificant effect on ROA and a negative, though also insignificant, effect on ROE. PhD board members show a negative effect on ROA and a weak positive effect on ROE. Foreign board members exhibit mixed effects, positively influencing ROE but negatively associated with ROA, with both insignificant. The Fixed Effects results confirm these patterns, with all board diversity variables showing insignificant impacts. Implications: The findings suggest that while board diversity is a socially valuable governance goal, its financial impact may be limited or context-specific in Nigeria’s industrial and commercial sectors. Regulators and policymakers are encouraged to mandate greater transparency in board composition disclosures, allowing stakeholders to better assess the strategic and symbolic value of board diversity. Novelty: This study contributes to the limited empirical literature on corporate governance in sub-Saharan Africa. It provides robust, model-based evidence on how different dimensions of board composition interact with financial outcomes in the Nigerian context.
Poverty, Unemployment, and Banditry in Nigeria: A Political Economy View Gbadebo, Adedeji Daniel
JPPUMA: Jurnal Ilmu Pemerintahan dan Sosial Politik UMA (Journal of Governance and Political UMA) Vol. 13 No. 2 (2025): JPPUMA: Jurnal Ilmu Pemerintahan dan Sosial Politik UMA (Journal of Governance
Publisher : Universitas Medan Area

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31289/jppuma.v13i2.15594

Abstract

This study investigates the relationship between poverty, unemployment, and banditry in Nigeria from a political economy perspective. Using survey data from 300 respondents in Bida Local Government Area, Niger State, chi-square tests revealed significant associations between poverty and banditry (χ² = 23.476, p = 0.002), unemployment and banditry (χ² = 18.129, p = 0.001), and political economy factors and banditry (χ² = 21.334, p < 0.001). The findings show that 91% of respondents perceive poverty as widespread, 84% link high poverty rates to criminal activity, and 87% believe youth unemployment contributes to banditry. Weak governance, corruption, and poor resource allocation were also identified by over 86% of participants as key enablers of insecurity. Applying Queer Ladder Theory, the study concludes that structural inequalities and limited legitimate economic opportunities push marginalized groups toward criminal enterprises. It recommends targeted poverty reduction, youth job creation, anti-corruption reforms, and enhanced government presence in rural areas to address the root causes of banditry.
Inflation as a Moderator of Interest Rate Fluctuations and Bank Profitability in Nigeria GBADEBO, Adedeji Daniel
Journal of Financial and Behavioural Accounting Vol. 5 No. 2 (2025)
Publisher : LPPM Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study investigates the novel moderating role of inflation in the relationship between interest rates and the profitability of listed deposit money banks in Nigeria over the period 2012–2022. Using panel data from 11 banks, the study applies Fixed Effects (FE) and Random Effects (RE) panel regression models, with profitability measured by Return on Assets (ROA), Return on Equity (ROE), and Net Interest Margin (NIM). Findings indicate that inflation significantly moderates the relationship between interest rates and both ROA and ROE, suggesting that asset- and equity-based measures of profitability are highly sensitive to inflationary dynamics. Conversely, the moderating effect on NIM is insignificant, implying that margins are relatively insulated from inflationary shocks. Theoretical implications highlight the asymmetrical impact of inflation on banking performance, reinforcing the relevance of the Fisher Effect, Modigliani-Miller intermediation theory, and Agency Cost theory in explaining bank behavior under inflationary conditions. Policy implications suggest that the Central Bank of Nigeria integrate inflation-sensitive indicators into supervisory frameworks, while banks strengthen risk management practices to mitigate macroeconomic vulnerabilities and sustain profitability. This study contributes uniquely by empirically demonstrating how inflation moderates interest rate transmission to bank profitability in a developing economy context.