Fraudulent Practices: The Bane of Nigeria Banking Sector

¹MATTHEW OLANREWAJU EGBELADE, ²KUMANJOCK SAMUEL NUHU AND ³GIMBA FELIX MAIANGWA

^1&2Department of Accountancy School of Administration and Business Studies, Nasarawa State Polytechnic Lafia, Nasarawa State

³Department of Business Administration School of Administration and Business Studies, Nasarawa State Polytechnic Lafia, Nasarawa State

E-mail: Kumanjock@gmail.com

ABSTRACT

Fraudulent practices globally are a disease that its effects can shake a well planned, growing or developed economy to its foundation if an urgent attention and a proactive action is not taken immediately. This paper is aim at determining the parties that bears the burden of fraudulent practices committed by banks within the Nigerian economy. Primary and secondary data were used in analyzing the various forms of effect of fraudulent practices in Nigeria banks system. The paper concludes by saying that the staff of banks in conjunction with outsider to perpetrate fraud in banks. However, the shareholders and depositors suffer great loss as a result of these fraudulent practices in banks. The paper recommends that supervisory and regulatory bodies should perform their work without fear or favor and professional bankers should be allowed to perform in the field of specialization, while an effective and efficient internal control system is installed.

Sales Force Automation (Information Technology) Performance and Organisational Profitability

¹EGBERI AGBARHA KELVIN AND ²EDITH O. EGBERI

¹Department of Business Administration and Management, Delta State Polytechnics, Ozoro

²Department of Accounting Delta State Polytechnics, Ozoro

E-mail: Kelvinegberi76@gmail.com

ABSTRACT

This paper examines the impact of sales force Automation (information technology) on the organization efficiency and performance. The study is a survey research design with a sample size of 135 employees randomly selected from Friesland  Nig. Plc. (maker of peak milk) and promasidor Nig. Plc (Makers of cowbell, Loyal, Milksi Milk) in Nigeria i.e. 65 employees of promasidor Nig. Plc and 70 employees of Friesland Nig. Plc. An instrument titled sales force  Automation (information technology) towards  the performance of employees; five hypothesis and one research question was formulated to guide the study. Descriptive Statistics (Pearson correlation) was used to analyze the research question why Pearson correlation was used to test the significance difference relation to the hypothesis at 0.05 level of significant. The result of the analysis shows among others that the sales force organization profitably has been increased as a result of the adoption of new and emerging automation  (Technology) that if employee aptitude level is high, the will perform better, that automation (Information Technology) cause higher satisfaction level of employees. In conclusion, the exploratory study suggest for the positive relationship between information technology and sales performance.

Impact of Economic and Financial Crimes on the Nigerian Economy: An Assessment of Money Laundering

¹EGBELADE MATHEW O. AND ²STEPHEN S. OJO

¹Department of Accountancy Nasarawa State Polytechnic, Lafia

²Department of Social Development, Nasaraa State Polytechnic, Lafia

E-mail: steve234_1@yahoo.com

ABSTRACT

Economic and financial crimes represent a dangerous form of criminal behavior that affects not only individual member of a society but also having deleterious effects on the nation economy. These are non-violent criminal practices which are tantamount to sabotage of the national economy. This is because of the impacts of these offences on the social wellbeing and economic foundation of any nation. This paper examines the general consequences of economic and financial crimes especially money laundering on the economy of Nigeria. The study finds that the common characteristic of the effects of economic and financial crimes in Nigeria is its tendency to undermine national economy which in turn often results in decelerated improvement in the quality of life of citizens. Thus finding represents a major problem Nigeria is presently grappling with as a result of the prevalence of economic and financial crimes. The paper concludes by recommending a strong legal regime coupled with political will to combat the menace and minimize its devastating consequences.

The Role of Government and Financial Institutions in Small and Medium Scale Enterprises in Nigeria

BABALOLA ADESOLA O., AYODELE, O. CHURCHILL AND USMAN, BABA U.

Department of Business Administration & Management, The Federal Polytechnic, Bida

E-mail: dessybjay@yahoo.com

ABSTRACT

Small and Medium Scale Enterprises constitute essential ingredients in the lubrication and development of any economy. In Nigeria, the story makes no remarkable difference as Small and Medium Scale Enterprises dominate the economy. Government over the years has formulated a number of policies aimed at developing Small and Medium Scale Enterprises. While most policies actually failed due to poor implementation, others however, succeeded. It is therefore the thrust of this paper to identify the role of government and other financial institutions particularly micro finance institutions in the development of small and medium scale enterprises in Nigeria. Relevant literatures were reviewed to bring out salient issues on the subject matter of this paper. The chief source of information for this write up is secondary method of data collection. It concludes that financial institutions provide the necessary financial lubricants that facilitate the development of Small and Medium Scale Enterprises, but, a lot still need to be done by the government in terms of policy formulation in order to complement the efforts of financial institutions. This paper recommends among others, further establishment of micro finance institutions to serve the grass root financial needs, sensitization of the general public on how to access funds for SMEs development, public private partnership should also be encouraged, the financial muscle of the financial institutions must be geared up to meet the financial need of SME5 in their respective locality.

Table of Contents

Concurrent Caecal Coccidiosis and Bacteriosis in Slaughter Chickens in

Maiduguri, Borno State, Nigeria

Gulani, I. A. et al                                                                                                                      1 – 9

Assessment of Farmers Perception on Adoption of Improved Rice (Nerica)

Technology in Kwami Local Government Area of Gombe State, Nigeria

Musa H.Y, Umar M.R. and Zakari H.                                                                                        10 – 22

Effect of Coal Mining on Agricultural Land of Maiganga Coal Mining Area,

Gombe-Nigeria

Adamu  Sani  J., Sabo Ahmed, Aliyu  Mele M. and Mahmoud  Aisha B.                                  23 – 34

Value Chain Addition of Cassava Processing into Edible Starch and Local

Cassava Cake (Kpokpo-Garri) in Isoko North Local Government Area of

Delta State, Nigeria.

Okpeke, Mercy Yemi                                                                                                                35 – 50

Comparative Studies of Effect of Composts and NPK Fertilizer on Performance

of Maize in Crude Oil Polluted Soils

Onibon V. O., Adesanya W.O., and Folorunso O. R.                                                                 51 – 61

Plant Nursery Operations and Management, a Case Study of Forestry Unit,

Agriculture and Natural Resources Department of Gombe Local Government,

Gombe Nigeria.

 Adamu, S.J,    Mahmoud, A.B., and Paul, P.                                                                             62 – 74

Adoption of Yam Minisett Technique by Small Scale Farmers in Taraba State,

Nigeria

Farauta Kaletapwa, Yaro Anthony and Pev Isaac                                                                   75 – 90

Adoption of Yam Minisett Technique by Small Scale Farmers in Taraba State, Nigeria

¹FARAUTA KALETAPWA, ²YARO ANTHONY AND ³PEV ISAAC

^1&3Department of Vocational Education, Modibbo Adama University of Technology Yola, Nigeria.

²Department of Agricultural Education, College of Education, Zing,Taraba State, Nigeria.

E-mail-zikpev@yahoo.com

ABSTRACT

A farm management survey on the adoption of yam minisett technique by small scale farmers in Taraba state, Nigeria was conducted in 2013. The minisett technology which was developed in 1982 by National Root Crop Research Institute Umudike to address the problem of access to quality seed yam and improved productivity of yam farmers appears not to have been adopted by farmers in Taraba state despite the inadequate supply and exorbitant cost of quality yam seeds in Nigeria. This study examined the level of awareness and factors that influence adoption of yam minisett technology package in Taraba State. Data for the study were obtained from a field survey of 150 yam farmers using multistage simple random sampling technique. Descriptive statistics and probit regression model was used to analyze the data. Results showed that only about 37% of the respondents were aware of the yam minisett technique while only about 30% adopted the technique. About 7% of the respondents who were aware of the technique refused to adopt it due to the following reasons: poor and non-uniform` germination of setts and size of seed yam produced which was said to be small; high labour requirement and poor assess to production inputs and technical information on minisetts technology. The results of probit regression shows that educational status of respondent (X₂), access to credit (X₅), number of extension contact (X₆) and membership of cooperative society (X₇) are positive and statistically significant(P < 0.05). This implies that these variables significantly influence farmer’s likelihood to adopt yam minisetts technology. Farming experience (X₃) and household size (X₄) are negative but significant (P < 0.05). This implies that more experienced small scale famers tend not to adopt yam minisetts technique. To realize the full potentials of yam minisett technology package in this state, the researcher’s need to address the issues identified in this study with regards to size of seed yam produced and non-uniform germination of minisetts. Farmers’ practices should be integrated into the technology package while Taraba State Agricultural Development Programme should disseminate relevant and appropriate agricultural extension information geared towards creating awareness and adoption of Yam minisett technique and provide access to necessary yam production inputs for easy adoption of this innovation with the aim of boosting food security in Taraba State and Nigeria at large.

Keywords: Small Scale farmers, Yam minisett, Adoption

Plant Nursery Operations and Management, A Case Study of Forestry Unit, Agriculture and Natural Resources Department of Gombe Local Government, Gombe Nigeria.

 ADAMU, S.J,¹    MAHMOUD, A.B.²,  and PAUL, P.³

¹Department of Geography, Gombe State University, Tudun Wada Gombe, Gombe State, Nigeria.

²Department of Biological Sciences, Gombe State University Tudun Wada Gombe, Gombe State, Nigeria.

³Department of Agriculture and Natural Resources, Gombe Local Government Secretariat, Gombe State, Nigeria.

E-mail: sanidaddy@gmail.com

ABSTRACT

A study of plant nursery operations and management was conducted at the forestry unit, Agriculture and Natural Resources Department of Gombe Local Government, Gombe State. By way of sowing seeds either directly in the ground/in nursery beds/polythene bags or by way grafting, transplanting, cross-breeding, root-pruning etc, and follow by watering of the plants(morning and evening), application of fertilizer monthly and application of pesticides once in a while to boost the soil fertility and prevent/control any pest attack respectively. The result indicates that to produce healthy and viable plants in a nursery, some necessary conditions and requirements must be met such as; viable seeds, favorable temperature , appreciable level of moisture, a fertile and good soil with good water retention capacity. It was recommended that before the establishment of any plant nursery a study of plant characteristics must be conducted alongside climatic conditions of the area such as rainfall, humidity and temperature before choosing the type of plants to grow there for the attainment of Sustainable Development for the benefit of the present and future generations.

Comparative Studies of Effect of Composts and NPK Fertilizer on Performance of Maize in Crude Oil Polluted Soils

¹ONIBON V. O., ²ADESANYA W.O., and ³FOLORUNSO O.R.

^1&2Department of Basic Sciences, Federal College of Agriculture, Akure, Nigeria.

³Department of Animal Health and Production, Federal College of Agriculture Akure Nigeria

E-Mail: voonibonfeca@yahoo.com

ABSTRACT

Exploration and production of crude oil, in Nigeria was envisaged to generate strong economic foundation for the country and better dwelling place for human and living organisms. But crude oil exploration had brought untold hardship to people living in the oil producing area regarding their health and living status. Therefore the achievement of sustainable and cleanup equitable environment cum environmentally sound agriculture in the fragile, inherently infertile soil with low productivity remains one of the greatest challenges facing people, most especially in oil producing area of Nigeria. The site for this experiment was polluted with crude oil from the area. The polluted soils were later treated after two weeks with different composts composition (PW + SD + CR), (MW + SD + CR), (CD + SD + CR) and fertilizer and left for two weeks before maize were planted on the soils.

Keywords:  Crude Oil, Soil Pollution, Remediation, Composts, Heavy Metals.

Assessment of Farmers Perception on Adoption of Improved Rice (Nerica) Technology in Kwami Local Government Area of Gombe State, Nigeria

Musa H.Y, Umar M.R. and Zakari H.

Department of Agricultural Extension and Management Taraba State College of Agriculture Jalingo.

E-mail: hammawa.musa@yahoo.com

ABSTRACT

The study was conducted in Kwami Local Government Area of Gombe State, Nigeriato investigate Adoption of Rice Technology. The specific objectives were to describe the socio-economic variables of the respondents, determine the adoption levels of rice farmers and find out any relationship between the farmers socio-economic characteristics and their adoption constraints. Data were collected from 120 respondents drawn from the study area using multi-stage sampling techniques. The data were analyzed using descriptive and inferential statistics such as frequencies, percentages and regression analysis. The major findings on socio-economic characteristics revealed that 34.7% of the respondents were between 31-40 years of age, 60.2 percent were males, 66.3% had attended at least primary to tertiary education, in which most of them operates farm size of 6-10 hectares. Production and on-farm constraints affecting rice development were water management and flood. Major economic constraints faced by rice farmers were lack of viable financial agencies to support production, poor capital base and non-availability of loan. Regression analysis showed that the yield of rice was negatively related to land acquisition constraints (b=-0.34, p<0.05) and Technological constraints (b= -0.43, p < 0.01). This study concluded that problems faced by farmers were interwoven in which existence of one relates with the other. Addressing these problems will lead to increase in the rate of adoption of improved rice production technology and ultimately rice productivity in Nigeria.