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All Journal JURNAL EKONOMI DAN BISNIS AIRLANGGA Journal of Economic, Management, Accounting and Technology (JEMATech)
Ariyibi, Mayowa Ebenezer
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Economics, Econometrics & Finance

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Financing of Small and Medium-Scale Enterprises (SMEs) and Economic Growth in Nigeria Soyemi, Kenny Adedapo; Olowofela, Olusola Enitan; Ariyibi, Mayowa Ebenezer
Journal of Economic, Management, Accounting and Technology (JEMATech) Vol 7 No 2 (2024): Agustus
Publisher : Fakultas Teknik dan Ilmu Komputer, Universitas Sains Al-Qur'an (UNSIQ) Wonosobo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32500/jematech.v7i2.6754

Abstract

The financing of small and medium-scale enterprises (SMEs) is a crucial aspect of economic development in Nigeria. However, SMEs often face significant challenges in accessing finance, hindering their growth and potential contributions to the economy. This study examines the role of deposit money banks in supporting SME financing in Nigeria using Central Bank of Nigeria (CBN) statistical bulletin and National Bureau of Statistics fact book (NBS) covering the period of 1990 – 2022 on yearly basis with E-view. The study found out that bank credit to small and medium scale enterprises, credit to private sector, lending rate, interest rate have positive and significant effect on gross domestic product. This study recommend that bank should enhance financial inclusion, simplify loan application processes, develop risk mitigation mechanisms, strengthen financial literacy and advisory services, foster collaboration in other to provide financing opportunities to small and medium-scale enterprises
BANK COMPETITION AND FINANCIAL STABILITY IN NIGERIA Ariyibi, Mayowa Ebenezer; Agbatogun, Taofeek Osidero; Soyemi, Kenny Ade
Jurnal Ekonomi dan Bisnis Airlangga Vol. 34 No. 2 (2024): JURNAL EKONOMI DAN BISNIS AIRLANGGA
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jeba.V34I22024.284-300

Abstract

Introduction: The study examined the impact of bank competition on the financial stability of selected deposit money banks in Nigeria. The study employed panel data (secondary data) that was collected from 2019 to 2023 (both years inclusive). Methods: The panel regression analysis was employed to determine the relationship between the outcome variables and explanatory variable, taking decisions from the Huasman test. Results The findings of the study from objective one revealed that the Herfindahl-Hirchman loan Index has a positive significant effect on capital adequacy ratio along with diversification ratio and bank size, which are control variables. It also has a negative significant effect on capital adequacy ratio. Objective two revealed that the Herfindahl-Hirchman Deposit Index diversification ratio and bank size have a positive significant effect on non-performing loans in Nigeria. Conclusion and suggestion: Based on the findings, it therefore recommended that deposit money banks should diversify their loan portfolio across sectors and customer types to mitigate a concentration risk in the deposit money banks. Reallocating capital from less diversified or larger loans to smaller, more diversified segments of the portfolio would spur the level of competition accuracy of the banks. 
FINANCIAL FLOWS AND ENVIRONMENTAL SUSTAINABILITY IN NIGERIA: ENVIRONMENTAL KUZNETS HYPOTHESIS Ariyibi, Mayowa Ebenezer; Ilo, Bamidele Muzliu; Yinusa, Ganiyu Olumuyiwa
Jurnal Ekonomi dan Bisnis Airlangga Vol. 35 No. 1 (2025): JURNAL EKONOMI DAN BISNIS AIRLANGGA
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jeba.V35I12025.17-36

Abstract

Introduction: This study examines the effect of financial flows (external and internal) on environmental sustainability in Nigeria, testing the environmental Kuznets hypothesis. Methods: The study employed secondary data sourced from the Central Bank Statistical Bulletin and World Development indicator. The period of the inquiry was from 1991 to 2022, both years inclusive. The study employed the auto-regressive distributed lag to determine the short and long-run relationship between the outcome variables and explanatory variables. Results: The findings revealed that external debt, net export and government expenditure on education has a positive significant effect on CO2 emission. Foreign direct investment, foreign aid and tax revenue have a negative significant effect on CO2 emission. It is therefore concluded that external debt and net export channeled through capital project and improvement in receipt from export would increase the units in per capital income of the populace, which in the short-run would increase the level of CO2 emissions in Nigeria. Conclusion and suggestion: It recommended that government should develop policies and incentives that would attract foreign direct investment in green industries and technologies, ensure foreign companies adhere to environmental regulations and standards in the recipient country.
Financing of Small and Medium-Scale Enterprises (SMEs) and Economic Growth in Nigeria Soyemi, Kenny Adedapo; Olowofela, Olusola Enitan; Ariyibi, Mayowa Ebenezer
Journal of Economic, Management, Accounting and Technology (JEMATech) Vol 7 No 2 (2024): Agustus
Publisher : Fakultas Teknik dan Ilmu Komputer, Universitas Sains Al-Qur'an (UNSIQ) Wonosobo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32500/jematech.v7i2.6754

Abstract

The financing of small and medium-scale enterprises (SMEs) is a crucial aspect of economic development in Nigeria. However, SMEs often face significant challenges in accessing finance, hindering their growth and potential contributions to the economy. This study examines the role of deposit money banks in supporting SME financing in Nigeria using Central Bank of Nigeria (CBN) statistical bulletin and National Bureau of Statistics fact book (NBS) covering the period of 1990 – 2022 on yearly basis with E-view. The study found out that bank credit to small and medium scale enterprises, credit to private sector, lending rate, interest rate have positive and significant effect on gross domestic product. This study recommend that bank should enhance financial inclusion, simplify loan application processes, develop risk mitigation mechanisms, strengthen financial literacy and advisory services, foster collaboration in other to provide financing opportunities to small and medium-scale enterprises
Co-Authors Agbatogun, Taofeek Osidero Ilo, Bamidele Muzliu Olowofela, Olusola Enitan Soyemi, Kenny Ade Soyemi, Kenny Adedapo Yinusa, Ganiyu Olumuyiwa