Progamme: Banking and Finance
Permanent URI for this collectionhttp://itsupport.cu.edu.ng:4000/handle/123456789/28787
Here you will find works strictly related to Banking and Finance.
News
https://bfn.covenantuniversity.edu.ng/
Browse
3 results
Search Results
Item ASSESSING CREDIT RISK AND LENDING PATTERN IN THE NIGERIA BANKING SECTOR(JOURNAL OF SOUTHWEST JIAOTONG UNIVERSITY, 2022-02) Isayinka, Isaac Ayomide; Asemota, Franklin Famous; Babajide, AbiolaThis article collected secondary data in yearly time series from 2007 to 2020 to analyze nonperforming loans, liquid reserves to assets ratio, capital to assets ratio, domestic credit, and exchange rate and their effects on Nigerian lending rate. The constructed and analyzed model was estimated via the least square technique to achieve its goals. Findings in this research reveal a beneficiary influence of nonperforming loans, capital to asset ratio, and exchange rate on bank lending rate. While liquid reserves to assets ratio, and domestic credit exhibits inverse relation with lending rate. Hence, the relationship between nonperforming loans, liquid reserves to assets ratio, and domestic credit are statistically significant with lending rate. Capital to asset ratio, and exchange rate exhibits an insignificant relation with lending rate. The research suggests consequently that both private individuals and business entities should exercise caution when taking out loans, ensure that the total amount borrowed is sufficient to cover all of their needs. Banks need to use caution when making loans; the prime motive for lending money should not merely be to make a profit. Credit risk is considered substantial; banks need to lower nonperforming loan portfolio and by this, both banks and their clients will experience great benefits.Item Agriculture Financing, Poverty and Unemployment Reduction in Nigeria(African Journal of Business and Economic Research Vol 18,, 2025) Adetiloye, Kehinde A.; Nkwodimmah, Pascal; Babajide, Abiola; Osuma, GodswillItem FISCAL FEDERALISM: PANACEA TO CHALLENGES OF ACCOUNTABILITY AND DEVELOPMENT IN NIGERIA(Covenant-International Conference on African Development Issues (C-ICADI), 2018-11) Ewetan, Olabanji O.; Osabohien, Romanus; Matthew, Oluwatoyin A.; Babajide, AbiolaFiscal federalism is a key principle of federal system of government instituted to address the critical challenges of accountability and development. This paper examines the extent to which fiscal federalism had mitigated the challenges of accountability and development in Nigeria, using historical data, for the period 1981-2016. Empirical evidence from the two models estimated using the bounds testing co-integration procedure also known as autoregressive distributed lag estimation procedure reveals that fiscal federalism promotes accountability and economic development in Nigeria. The finding of this paper also suggests that for maximum impact on longrun economic development and promotion of public sector accountability in Nigeria, government should ensure the simultaneous decentralisation of expenditure and revenue powers or responsibilities to sub-national governments ceteris paribus