Progamme: Banking and Finance

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    ASSESSMENT OF THE IMPACT OF CENTRAL BANK OF NIGERIA AGRICULTURAL INTERVENTION FUNDS ON ECONOMIC GROWTH IN NIGERIA
    (Covenant University, Ota, 2026-08) Emmanuel, Abimbola Iyanu; Covenant University Dissertation
    This research examined the nexus between the various Central Bank of Nigeria (CBN) intervention funds in the agricultural sector and the economic growth of Nigeria. The study specifically examined the effects of Interest Drawback (IDB), Agricultural Credit Guarantee Scheme Fund (ACGSF) Anchors Borrowers Program (ABP), Nigerian Incentive-Based Risk sharing System for Agricultural Lending (NIRSAL), AND Financial Inclusion on Nigeria’s Economic Growth. Secondary data from 1995 to 2024, sourced from the CBN Bulletin, NIRSAL Website, National Bureau of Statistics, and Federal Ministry of Finance Website, was utilized for the study. The data were analysed using the Autoregressive Distributed Lag (ARDL) Model. The ARDL results revealed the existence of a long-run equilibrium relationship among the variables. IDB, ACGSF, ABP, NIRSAL, and Financial Inclusion exerted positive and statistically significant effects on GDP in the long run. The CBN should strengthen and expand agricultural intervention programmes while improving monitoring and evaluation mechanisms to enhance their contribution to economic growth.
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    EFFECTS OF FINANCIAL TECHNOLOGY, AGENT BANKING ON FINANCIAL INCLUSION IN NIGERIA
    (Covenant University Ota, 2025-03) OBABUEKI OSARUGUE PEACE; Covenant University Dissertation
    This study investigates the relationship between financial technology, agent banking, and financial inclusion. Employing secondary data from the Central Bank of Nigeria and Federal Reserve Economic Data, the research utilises the Granger causality test to analyse the period between 2012–2022. The findings reveal that POS transactions significantly affect mobile money account ownership, and mobile money operations exhibit the strongest positive relationship with financial inclusion. Although ATMs are widely used, their impact on financial inclusion is limited by high transaction costs and operational challenges. Mobile account ownership drives web banking usage significantly, but web banking transactions do not significantly impact mobile account ownership. The study recommends enhancing digital infrastructure, promoting financial literacy, and expanding agent networks to bridge regional disparities. By leveraging technological advancements, Nigeria can achieve broader financial inclusion and foster equitable economic growth