The Journal provides a forum for scholarly interaction among academics, policy makers, and development partners in Nigeria and abroad, who are interested in the discussion of current trends and challenges impacting on the disciplines of Management Sciences, Social sciences, Humanities and related fields.
Faculty of Management Sciences, Nnamdi Azikiwe University, Awka, Anambra State, Nigeria.
FINANCIAL PERFORMANCE OF DEPOSIT MONEY BANKS AND ECONOMIC GROWTH IN NIGERIA
This study investigated the effect of financial performance of Deposit Money Banks (DMBs) on economic growth in Nigeria, with a specific focus on how key banking performance indicators influence GDP growth. The primary objective was to evaluate the short-run and long-run effects of Return on Assets (ROA), Return on Equity (ROE), and Capital Adequacy Ratio (CAR), on economic growth between 2000 and 2023. To achieve this, the study employed the Autoregressive Distributed Lag (ARDL) model, which accommodates variables integrated at different orders, ensuring robustness in the presence of both I(0) and I(1) series as confirmed by Augmented Dickey-Fuller (ADF) unit root tests. The bounds testing approach confirmed the presence of a long-run relationship among the variables (F-statistic = 6.182 > critical upper bound values). The ARDL estimation revealed that Return on Equity (ROE) has a statistically significant positive effect on GDP growth both in the short-run and long-run (short-run coefficient = 0.5004, p = 0.0179; long-run coefficient = 0.7705, p = 0.0004). In contrast, ROA and CAR did not exhibit significant short-run effects, although the second lag of CAR showed a delayed positive effect (p = 0.0419). Furthermore, the error correction term was significant and negative (-1.0665, p = 0.0001), indicating a strong speed of adjustment toward equilibrium. The study concluded that bank equity profitability is a crucial driver of Nigeria’s economic performance, while other indicators exhibit weaker direct effects. Based on the findings, it was therefore recommended that Nigerian banks prioritize reinvestment of equity earnings into growth-enhancing sectors and that regulators balance capital adequacy requirements with lending incentives. Besides, regulators should ensure that requirements do not stifle credit creation and that a balanced framework that encourages productive risk-taking be put in place.
Copyright (c) 2026 The Journal of Management Sciences https://journals.unizik.edu.ng/imdex.php/jfms
COMPARATIVE EVALUATION OF LOAN ADMINISTRATION PRACTICES AMONG POULTRY FARMERS: EVIDENCE FROM MICROFINANCE BANKS AND COOPERATIVES IN ANAMBRA STATE, NIGERIA
In Sub-Saharan Africa, especially Nigeria, agriculture remains a major source of employment and rural livelihood, yet timely and affordable credit remains a serious constraint to farmers, particularly in labour-intensive enterprises such as poultry production. This study compared credit administration to poultry farmers by microfinance banks and cooperative societies in Anambra State, Nigeria. Specifically, it examined administrative practices such as interest rate, collateral requirements, processing time and loan size; compared loan application management and timeliness of disbursement; assessed farmers’ satisfaction with procedures; and identified constraints to accessing agricultural credit from both sources. A multistage sampling technique was used to select 83 poultry farmers from a sampling frame of 180 farmers trained under the World Bank Value Chain Development Initiative. Primary data were collected using structured and validated questionnaires. Data were analysed using frequency, percentages, mean and t-test. Findings showed that cooperative societies had shorter waiting periods of 8 days compared to 14 days for microfinance banks. Farmers who accessed credit from cooperatives recorded higher satisfaction with waiting time (<!-- [if gte vml 1]><v:shapetype id="_x0000_t75" coordsize="21600,21600" o:spt="75" o:preferrelative="t" path="m@4@5l@4@11@9@11@9@5xe" filled="f" stroked="f"> <v:stroke joinstyle="miter"/> <v:formulas> <v:f eqn="if lineDrawn pixelLineWidth 0"/> <v:f eqn="sum @0 1 0"/> <v:f eqn="sum 0 0 @1"/> <v:f eqn="prod @2 1 2"/> <v:f eqn="prod @3 21600 pixelWidth"/> <v:f eqn="prod @3 21600 pixelHeight"/> <v:f eqn="sum @0 0 1"/> <v:f eqn="prod @6 1 2"/> <v:f eqn="prod @7 21600 pixelWidth"/> <v:f eqn="sum @8 21600 0"/> <v:f eqn="prod @7 21600 pixelHeight"/> <v:f eqn="sum @10 21600 0"/> </v:formulas> <v:path o:extrusionok="f" gradientshapeok="t" o:connecttype="rect"/> <o:lock v:ext="edit" aspectratio="t"/> </v:shapetype><v:shape id="Picture_x0020_25" o:spid="_x0000_i1027" type="#_x0000_t75" style='width:6.75pt;height:9pt;visibility:visible;mso-wrap-style:square'> <v:imagedata src="file:///C:\Users\user\AppData\Local\Temp\msohtmlclip1\01\clip_image001.jpg" o:title=""/> <o:lock v:ext="edit" aspectratio="f"/> </v:shape><![endif]--> = 4.33), timeliness of communication (<!-- [if gte vml 1]><v:shape id="Picture_x0020_31" o:spid="_x0000_i1026" type="#_x0000_t75" style='width:6.75pt;height:9pt; visibility:visible;mso-wrap-style:square'> <v:imagedata src="file:///C:\Users\user\AppData\Local\Temp\msohtmlclip1\01\clip_image001.jpg" o:title=""/> <o:lock v:ext="edit" aspectratio="f"/> </v:shape><![endif]--> = 4.26) and processing duration (<!-- [if gte vml 1]><v:shape id="Picture_x0020_30" o:spid="_x0000_i1025" type="#_x0000_t75" style='width:6.75pt;height:9pt; visibility:visible;mso-wrap-style:square'> <v:imagedata src="file:///C:\Users\user\AppData\Local\Temp\msohtmlclip1\01\clip_image001.jpg" o:title=""/> <o:lock v:ext="edit" aspectratio="f"/> </v:shape><![endif]--> = 4.28). In contrast, microfinance bank beneficiaries experienced longer processing periods of over one month, higher interest rates of 25% and stricter collateral requirements. A significant difference existed between the credit administration practices of microfinance banks and cooperatives (t = 10.15; p ≤ 0.001). Cooperatives also recorded higher credit disbursement of ₦67.1 million and repayment rate of 94.5%, compared with ₦22.4 million and 76.9% for microfinance banks. The study concludes that cooperatives are more efficient in credit administration and should be strengthened to improve agricultural financing and farmers’ welfare.
Copyright (c) 2026 The Journal of Managemeng Sciences https://journals.unizik.edu.ng/imdex.php/jfms
WORK PLACE FLEXIBILITY AND PERFORMANCE OF MEDIA COMPANIES IN ANAMBRA STATE
This study investigated the relationship between workplace flexibility and the performance of media companies in Anambra State, Nigeria. The media industry has undergone significant changes driven by technological advancements and evolving consumer preferences, necessitating a reevaluation of traditional organizational structures. The research aimed to explore how flexible work arrangements, specifically job sharing, impact employee satisfaction and organizational performance. A descriptive survey research design was employed, eight media firms were selected from the Senatorial Zone of Anambra State, the Population of the Study is 211, Measures of Central Tendency was used to analyze the data and Pearson Moment Correlations Co-efficient was used to test the hypotheses. Structured questionnaires were distributed among the employees across various media firms. The findings revealed a strong positive correlation (r = 0.973) between job sharing and customer satisfaction, indicating that flexible work arrangements enhance employee engagement and service quality. The study highlighted that inadequate workplace flexibility can lead to reduced job satisfaction and impaired organizational effectiveness. Consequently, the research underscores the importance of implementing comprehensive job-sharing policies to attract and retain talent, improve service delivery, and foster a competitive advantage in the industry. It concluded that workplace flexibility significantly influences overall organizational performance, promoting higher productivity and employee commitment. Recommendations include adopting flexible work practices to cater to the diverse needs of employees and enhance customer satisfaction. This research contributed valuable insights to stakeholders in the media sector, offering a foundation for further studies on workplace flexibility and its implications for employee performance and organizational success.
QUEUING MODEL IN CHUKWUEMEKA ODUMEGWU OJUKWU UNIVERSITY TEACHING HOSPITAL
This study examined the application of queuing model in Chukwuemeka Odumegwu Ojukwu University Teaching Hospital with the aim of assessing patient flow, service efficiency, and waiting time management within the hospital system. The study was motivated by the persistent challenge of long patient waiting time and congestion experienced in the hospital due to the increasing demand for healthcare services and limited-service facilities. The research adopted the M/M/1 single-server queueing model to analyze the service process using field data collected over three days. Findings revealed an average inter-arrival time of 6 minutes and an average service time of 4 minutes, resulting in an arrival rate of 0.17 patients per minute and a service rate of 0.25 patients per minute. The utilization factor was found to be 68%, indicating heavy use of available service resources, while the probability of system idleness was 32%. The average queue length was approximately 1.445 patients, the average waiting time in the queue was 8.5 minutes, and the average waiting time in the system was 12.5 minutes, showing moderate congestion and service delay. The study concluded that although the hospital demonstrates reasonable operational performance, improvements are required to reduce waiting time and enhance patient satisfaction. It recommended effective resource management, strategic capacity planning, improved patient communication, adoption of queue management technologies, continuous monitoring of performance indicators, and enhancement of customer care services to improve efficiency and ensure better healthcare service delivery.
FEDERAL TAX REVENUE AND GROSS FIXED CAPITAL FORMATION: A STUDY OF NIGERIA
This research determined the impact of Tax Revenue on Gross Fixed Capital Formation in Nigeria, utilizing Value Added Tax and Personal Income Tax as indicators of tax revenue from 2004 to 2024. The time series data were sourced from the Federal Inland Revenue Services, the Central Bank of Nigeria, the National Bureau of Statistics, and publications from the World Bank. Multiple regression analysis was applied to test hypotheses. The results clearly showed that components of tax revenue had a significant impact on gross fixed capital formation at the 5% level. The research thus concludes that value added tax and personal income tax significantly influence gross fixed capital formation in Nigeria at a 5% significance level. Therefore, the study recommended among others that the government needs to recognize that implementing VAT guarantees that international trade operates transparently and prevents distortions such as tax cascading linked to other commodity taxes.
HERZBERG HYGIENE THRORY ON ADMINISTRATIVE STAFF PRODUCTIVITY IN NNAMDI AZIKIWE UNIVERSITY AWKA
This study is concerned with the application of Herzberg’s hygiene theory on administrative staff productivity in Nnamdi Azikiwe University. The aim is to understand how Herzberg’s hygiene factors (with emphasis on organizational policy and working environment) affect the career switch from administrative cadre to lectureship cadre, often termed “conversion”. Qualitative method was used and relying on interview of personnel managers at Nnamdi Azikiwe University as a case study. It was found that the unfavorable application of the Nnamdi Azikiwe University’s conditions of service on the administrative staff informed the career switch because they feel dissatisfied and want to be more appreciated. It was also found that poor working condition (office space) for the administrative staff was another reason for the career switch. It is therefore recommended that a review of the application of the University’s Conditions of Service as it applies to the administrative staff and also provision of adequate office space will help to reduce dissatisfaction.
HEALTHCARE ADMINISTRATION AND THE EFFICACY OF MANAGING HYPERTENSION IN NIGERIA
This paper examines healthcare administration and the efficacy of hypertension treatment in Nigeria. It argues that the Nigerian system needs to adopt new mechanism of using evidence-based medicine to treat hypertension. The paper uses data derived from questionnaire surveys and interviews of officials of public and private sectors, hospitals, and other healthcare stakeholders. The secondary data consisted of the review of related government reports, government websites, academic and professional journals. Data were analyzed to determine the methods of treating hypertension disease and challenges facing the healthcare system administration in Nigeria. The conceptual framework is based on evidence-based medicine and evidence-based treatment. The findings suggest that the negative used of evidence-based medicine practice has reduced physicians’ efficiency in the treatment of hypertension in Nigeria. There is also evidence that the lack available modern medical equipment has negatively impacted the practice of new methods of treating hypertension with e-medicine. Some challenges preventing the adoption of evidence-based hypertension treatment were identified and recommendations for appropriate policies that could address the current impediments were offered.
INFLUENCE OF CLIMATE CHANGE ON CROP PRODUCTION AMONG FARMERS' COOPERATIVE SOCIETIES IN NORTH WEST ZONE, NIGERIA
This study examines the influence of climate change on crop production among farmers’ cooperative societies in North West Nigeria. Specifically, it assesses the effect of flooding on rice production and evaluates the effect of drought on maize production. The study is anchored on the Social-Ecological Systems (SES) Theory, which explains the interaction between human activities and environmental systems in shaping agricultural outcomes. A quantitative descriptive survey research design was adopted, involving a population of 552,479 cooperative members across 13,414 registered societies. A sample size of 400 respondents was selected using the Taro Yamane sampling technique, while multi-stage sampling was employed to ensure adequate representation across states, local government areas, and cooperative groups. Primary data were collected through structured questionnaires and analyzed using descriptive statistics and regression analysis via SPSS. The regression results revealed that flooding has a significant effect on rice production (R = 0.424, R² = 0.180, p = 0.000), indicating that it accounts for 18.0% of variations in rice output. Similarly, drought was found to significantly influence maize production (R = 0.369, R² = 0.136, p = 0.000), explaining 13.6% of variation in maize yield. Both findings confirm that climate-related factors significantly affect agricultural productivity among cooperative farmers. The study concludes that climate change poses serious challenges to crop production but also encourages adaptive responses and resilience-building among farmers. The study recommends climate-smart farming practices, improved crop varieties, and government support for sustainable food security.
EFFECT OF AUDIT REPORT QUALITY ON CORPORATE GOVERNANCE AND ACCOUNTING INFORMATION SYSTEMS OF SMES IN LAGOS STATE, NIGERIA
The study examined the effect of Audit Report Quality on Corporate Governance and Accounting Information Systems of SMEs in Lagos State, Nigeria . The objectives of the study were to examine the effect of audit report quality on corporate governance of SMEs and to assess the effect of audit report quality on the accounting information systems of SMEs in Lagos State. Survey research design was employed. The population of the study were 8,395 registered SMEs in Lagos. The Krejcie and Morgan statistical table (1970) for sample size determination was adopted to determine the sample size. Simple random sampling technique was used to choose the right participants. Data for the study was analyzed with percentage, and frequency distribution. Hypotheses were tested using linear regression analysis with SPSS version 25.0. The study found that audit report quality has a positive significant effect on corporate governance of SMEs in Lagos State (R=.613a, R2 =.376, F-stat=209.275, p =.000). The study in addition, discovered that audit report quality has a significant and positive effect on accounting information system of surveyed SMEs in Lagos State (R=.496a, R2 =.246, F-stat=113.730, p =.000). The study recommended that SMEs should always prepare and submit their audited account on time, so as to maintain good reputation and avoid penalty by government authorities. In addition, corporate governance of SMEs should imbibe the culture of timely preparation of financial statements for effectiveness and efficiency
ISSUES IN ANAMBRA 2025 GUBERNATORIAL ELECTION AND ITS IMPLICATIONS FOR 2027 GENERAL ELECTIONS IN NIGERIA
This paper examines the 2025 Anambra State Gubernatorial elections with a view to identifying issues and its implications for 2027 general elections in Nigeria.the article largely relies on secondary data sources from published reports by Independent National Electoral Commission. (INEC), newspapers, electoral observers’ reports and electronic media reports.Independent reports from the above credible sources revealed that,the Anambra gubernatorial elections were marred by massive vote buying, poor voter turnout,underage voters and logistical concerns.The results of the elections based on political party performance also revealed that,there was no tough contest,with All Progressives Grand Alliance (APGA) with Prof. Charles C. Soludo as the flag bearer overwhelmingly won the elections.From these revelations, Structural Functionalism Theory was used to analyze why the situation during the Anambra elections turned that way. Further analysis suggests that,the outcomes of the Anambra 2025 gubernatorial elections further weaken democratic consolidation and sustainability in Nigerian politics.Thus,the paper recommends that there is a need to strengthen democratic institutions to perform their duties in line with global best practices,government should work hard towards building the trust and confidence of voters in the electoral process through conducting free,fair,credible and transparent elections,establishing laws against electoral malpractices such as vote buying,underage voting, and other related offenses and strengthening the security forces such as the Police, and Economic and Financial Crimes Commission. (EFCC) to prevent and arrest culprits before and during elections to serve as a deterrent to potential elections violators.
LEADERSHIP AND THE ADOPTION OF ARTIFICIAL INTELLIGENCE IN ORGANIZATIONS
This study examines the role of leadership in the adoption of Artificial Intelligence (AI) in organizations, focusing on leadership competencies that facilitate successful AI implementation and how leadership influences employees’ readiness and attitudes toward AI technologies. The study adopts a qualitative, conceptual approach based on secondary data obtained from relevant scholarly literature. Thematic analysis was used to identify patterns and themes across studies. Findings reveal that leadership competencies such as digital literacy, strategic vision, communication skills, adaptability, and ethical awareness are critical for successful AI implementation. The study further shows that leadership significantly influences employees’ readiness and attitudes toward AI through communication, training, and organizational support. Employees are more likely to accept AI when they perceive it as useful and when leaders actively guide the transformation process. The study concludes that leadership is a key determinant of successful AI adoption in organizations. It recommends leadership capacity development, structured change management, employee training, and ethical governance to enhance AI integration.
RELATIONSHIP BETWEEN ADMISSION POLICIES AND ACADEMIC PERFORMANCE OF UNDERGRADUATE STUDENTS IN FEDERAL UNIVERSITIES IN SOUTH-EAST GEOPOLITICAL ZONE OF NIGERIA (2010-2024)
This study investigated admission Policies and academic performance of undergraduate students in federal universities in South East Geopolitical Zone of Nigeria (2010-2024). The Specific objectives of the study were to: examine the extent to which Merit-based admission policy relates to academic performance of undergraduate students; assess the extent of relationship between catchment area admission policy and academic performance of undergraduate students; and to ascertain the extent of relationship between educationally less developed states (ELDS) admission policy and academic performance of undergraduate students. The study was guided by three research questions and hypotheses. The population of the study comprised 21153 teaching and senior administrative staff of the five Federal Universities in the South-East Nigeria. Cross-sectional descriptive survey research design was adopted for the study. A sample size of 377 was determined using the Krejcie and Morgan (1970) statistical formula. The data required for the study were collected through a questionnaire instrument. Data analysis was done using descriptive and inferential statistics. Research questions were answered using mean, while hypotheses were tested using Pearson’s Product Moment Correlation at the 0.05 level of significance. Among the findings of the study were; Merit-based admission policy significantly and positively relates to academic Performance of undergraduate students; Catchment area admission policy significantly and positively relate to academic performance of undergraduate students; and ELDS admission policy significantly and positively relates to academic performance of undergraduate students in Federal Universities in South-East Geopolitical Zone of Nigeria. Based on the findings, the researcher therefore recommends among others; that Federal universities in the South-East geopolitical zone should prioritize merit-based admission policies; universities should maintain and strengthen these policies; ELDS (Educationally Less Developed States) admission policies, institutions should continue to support and enhance these initiatives
ARTIFICIAL INTELLIGENCE AND HUMAN RESOURCE MANAGEMENT PRACTICES IN DISODEX NIGERIA LIMITED
The increasing adoption of Artificial Intelligence (AI) in organizational processes has significantly transformed Human Resource Management (HRM) practices globally. Organizations now leverage AI-driven tools to enhance recruitment efficiency, employee performance management, training, and decision-making accuracy. This study examined the effect of Artificial Intelligence on Human Resource Management practices in Disodex Nigeria Limited. The study adopted a descriptive survey research design. The population of the study comprised employees of Disodex Nigeria Limited, from which a structured questionnaire was administered. Data collected were analyzed using descriptive statistics and regression analysis. Findings revealed that Artificial Intelligence significantly improves recruitment and selection efficiency, employee performance management, and training and development practices. The study concluded that AI-driven HRM practices enhance organizational effectiveness and employee productivity. It was recommended that Disodex Nigeria Limited should invest in AI infrastructure, continuously train HR personnel on AI applications, and ensure ethical deployment of AI systems in HR decision-making.
ASSESSING THE CONTRIBUTIONS OF ADJUSTED NET SAVINGS TO SUSTAINABLE DEVELOPMENT IN NIGERIA
This study assessed the contributions of adjusted net savings of Nigeria to its sustainable development in the pre and post sustainable development goals adoption era. The ex-post facto research design was adopted and a twenty (20) year period comprising 2005 – 2014 for the pre SDGs adoption era and 2015 – 2024 for the post SDGs adoption era was covered. Results of the analysed data using inferential regression analysis statistical tool through e-view version 12 showed that Adjusted Net Savings insignificantly contributed to sustainable development in Nigeria in the pre and post the SDG adoption era, though the extent of such contribution was positive and negative in both eras respectively (coefficient 0.576273 and -0.101577; p-values 0.3225 and 0.1183 respectively). The study concludes that macroeconomic stability alone is not enough as a measure of a nation’s economic wellbeing. The true measure of success will be how these reforms improve the daily lives of Nigerians, especially the poor and vulnerable. It was therefore recommended that measurement of government performance in terms of sustainable development should deemphasize the GDP metric and adopt such measures as inclusive wealth or comprehensive wealth and adjusted net saving which are more embracing than the GDP.
IMPLICATION OF SOCIO-ECONOMIC DEVELOPMENT THEORY AND NORTH’S INSTITUTIONAL THEORY ON THE MICRO, SMALL, AND MEDIUM ENTERPRISES (MSMEs) GROWTH IN LAGOS STATE, NIGERIA
This study provides an explanatory framework from socio-economic development theory for MSME growth in Lagos State, focusing on both formal and informal institutional factors. The study is grounded in North’s Institutional Theory, which posits that the development of formal and informal institutions is crucial for socio-economic progress, with consequent effects on MSME development. The conceptual review examines MSMEs and their role in socio-economic development. It discusses various definitions and classifications of MSMEs, as well as the key institutional factors influencing their growth. A desk review approach was employed, involving an extensive review of academic literature, reports, and other credible sources. The study concludes that both formal and informal institutions significantly impact the development and sustainability of MSMEs in Lagos. A favourable socio-economic environment, driven by the positive interplay among these institutions, is essential for MSME growth and contributes to broader economic and social development. It therefore recommends that policymakers strengthen both formal and informal institutions to create a supportive environment for MSMEs. This includes improving legal and regulatory frameworks, addressing financial challenges, and fostering a collaborative socio-economic climate.
PARTICIPATORY MANAGEMENT AND EFFICIENCY OF PUBLIC ENTERPRISES IN EBONYI STATE, NIGERIA
This study, “Effect of Participatory Management on Efficiency of Public Enterprises” was designed to investigate the course of the inefficiency of public enterprises in providing quality services to the public. Broadly, the study examined the effect of participatory management on the efficiency of public enterprises using selected Ebonyi State-owned public enterprises. Specifically, the study investigated the impact of participatory planning on the productive efficiency of the selected public enterprises; analyzed the effect of participatory decision-making on the management efficiency of the selected public enterprises; and appraised the effect of employees’ consultation on the workforce efficiency of the selected public enterprises. The study reviewed extant and empirical literature related to the study and adopted Peter Drucker's Management by Objectives (MBO) theory as its theoretical framework. The study formulated three research questions and three testable hypotheses as a useful guide, and adopted a descriptive survey design to collect data primarily from a sample size of 261 respondents using a well-structured questionnaire. The collected data were presented and analyzed using descriptive statistics (mean), while the hypotheses were analysed using inferential statistics (simple regression analysis) at a 0.05 level of significance with the aid of the statistical package for social sciences (SPSS). The findings were that, participatory planning has significant effect on the productive efficiency of the selected public enterprises; participatory decision-making has significant effect on the management efficiency of the selected public enterprises; and employees’ consultation has significant effect on workforce efficiency of the selected public enterprises. Based on these findings, the study concludes that adoption of participatory management practices will enhance the efficiency of public enterprises in Ebonyi State, Nigeria, and therefore recommends, among other things, improve participation of all levels of workers in the organizational planning, decision-making and goal-setting.
EFFECTS OF RENEWABLE INVESTMENT AND EXCHANGE RATE ON SUSTAINABLE DEVELOPMENT IN NIGERIA
Inability to effectively adapt to climate change and transit at the necessary speed is a major challenge for developing countries. In Nigeria, the rising population has escalated energy demands. However, the country is endowed with substantial renewable resources that remain largely untapped for sustainable development. This study, investigated the effect of renewable investment (RI) and exchange rate (ER) on two sustainable development goals (child mortality and CO2 emission reduction) from 2000 to 2023. Among others, the study used the Autoregressive Distributed Lag (ARDL) long and short run forms technique to estimate the effect of renewable investment variables, namely renewable energy investment (REIV) and renewable investment in agriculture and afforestation (RAIV) and foreign exchange rates, namely nominal effective exchange rate (NEER) and real exchange rate (REER) on sustainable development indicators, under 5 child mortality rate (MORT) and CO2 emission (CO2E). In the short run, the ARDL results show that LOGRAIV has a significant negative effect on MORT (coefficient = -1.816061; p = 0.0343), NEER has a significant negative effect on MORT (coefficient = -0.009240; p = 0.0005). There was no significant relationship between any of RI and ER variables on MORT in the long run. On CO2 emission, LOGREIV has a significant negative impact (coefficient = -2.364818, p = 0.0000) in the short run and NEER exerted a negative and significant effect on LOGCO2E (coeff = -0.000254, p = 0.0170). In the long run, LOGREIV has a negative and significant effect on LOGCO2E (-4.189907, p = 0.0081). Additionally, LOGRAIV significantly reduced LOGCO2E, with a coefficient of -0.614177 (p = 0.0384). Based on these findings, we conclude that RI and ER have greater effect on sustainable development in the short run than in the long run. It is hereby recommended that Nigerian governments should continue to prioritize and increase investments in renewable energy, ensure stable exchange rate, and sustainable agricultural practices, thereby developing robust policy frameworks to integrate renewable energy and sustainable agriculture into broader economic and environmental strategies which will drive sustainable development.
ENHANCING STUDENTS ENTREPRENEURIAL CAPABILITIES THROUGH DIGITAL ENTREPRENEURSHIP
Digital entrepreneurship has become a pivotal element in the global economy, transforming conventional business models and generating fresh avenues for innovation and expansion. Within the modern business environment, digital entrepreneurship stands out as a powerful catalyst, redefining traditional entrepreneurial frameworks and the skill sets necessary for achieving success. The study focuses on the effect of digital entrepreneurship on students entrepreneurial capabilities in Dennis Osadebay University, Asaba. The study adopted a cross sectional survey research design and the sample size of 185 respondents was selected from the population of 344 students in faculty of management sciences, Dennis Osadebay University. Data collected was analyzed using multiple regression. Findings revealed that digital innovation has significant influence on entrepreneurial driven capabilities. E-commerce has significant influence on entrepreneurial driven capabilities. Data analytics has significant effect on entrepreneurial driven capabilities. The study comes to the conclusion that students possess both the enthusiasm and foundational skills needed to succeed in the digital innovation and entrepreneurial space. However, the full potential of these capabilities is not being maximized due to a lack of institutional frameworks, mentorship opportunities, and real-world practice. The study recommended that real-world entrepreneurial and digital experience through internships or startup collaborations should be encouraged to bridge the gap between classroom learning and business practice.
EMERGING TECHNOLOGIES AND CUSTOMS CLEARANCE PERFORMANCE IN NIGERIAN ROLL-ON/ROLL-OFF TERMINALS
Clearing goods from Nigerian Roll-On/Roll-Off terminals takes long time when compared with technologically inclined ports like Singapore port, Port of Shanghai in China etc. This research examines how emerging technologies affect customs clearance at Nigerian Roll-On/Roll-Off terminals. The aims of the study were to examine the effects of single window system and internet of things technologies on customer satisfaction at the surveyed RORO terminals. Survey research design was employed. The population consists of 4,468 (four thousand four hundred and sixty-eight) ports users (Council for the Regulation of Freight Forwarding in Nigeria, 2025). Simple random sampling technique was employed in this research report to choose the sample while Krejcie and Morgan (1970) statistical table for sample size determination was adopted to determine the sample size which is 354 (three hundred and fifty-four). Questionnaire was used to collect data. Data was analyzed with Pearson’s correlation, simple percentage and frequency distribution table while hypotheses were tested with linear regression analysis using SPSS version 25. The study found that single window system and internet of things technologies have positive effects on customer satisfaction at surveyed RORO terminals in Nigeria. The study recommends that single window system and internet of things technologies should be fully integrated into customs clearance process in Nigeria. It was also recommended that government should provide adequate technological facilities to Nigerian Customs Service in order to enhance their operations and reduce time of clearing goods from RORO terminals in Nigeria
HUMAN AND FINANCIAL COSTS OF ACADEMIC STRESS AMONG UNIVERSITY LECTURERS IN LAGOS STATE
Lecturer health significantly influences teaching effectiveness, institutional productivity, and the sustainability of higher education across the globe. Yet, the financial and human costs associated with health neglect remain underexplored in Nigeria. This study examined the effects of job demands, job resources, and lecturers’ health outcomes on the financial and human costs incurred by universities in Lagos State. Primary data were collected from 450 lecturers across thirteen universities using structured questionnaires while the result of the multiple regression analysis revealed that high job demands significantly increase both human and financial costs, while adequate job resources mitigate these effects. Health outcomes were also found to exert a significant impact on financial costs, highlighting the direct economic consequences of declining lecturer well-being. The findings emphasize the importance of institutional support, including health insurance, workload management, and wellness programmes, in reducing absenteeism, healthcare expenses, and productivity losses. The study provides actionable insights for university management and policymakers, advocating for proactive occupational health strategies to safeguard staff welfare, minimize avoidable costs, and enhance the resilience and sustainability of higher education systems.
The Journal of Management Sciences (JOMAS), Volume 63, Issue 1, June 2026 edition.
NEWSPAPER COVERAGE OF WOMEN`S PARTICIPATION IN ENTREPRENEURSHIP: ANALYSIS OF DAILY TRUST AND GUARDIAN NEWSPAPERS
Women's participation in entrepreneurship and business activities in Nigeria significantly contributes to the nation’s economic, agricultural, and food production growth. However, their efforts remain underrepresented in the media compared to their male counterparts. Media coverage tends to highlight women entrepreneurs only when they are prominent public figures, while the majority of women making substantial contributions to national development receive little attention. This study examines the coverage of women’s participation in entrepreneurship in Daily Trust and The Guardian newspapers. Anchored on the agenda-setting theory, the study adopts content analysis to assess the frequency, prominence, and framing of reports related to women entrepreneurs in the selected newspapers. Findings reveal that women’s participation in entrepreneurship is largely underreported and accorded minimal prominence compared to other business-related issues. The study recommends that media organizations should enhance the visibility and representation of women entrepreneurs by giving adequate publicity, priority, and prominence to their stories. Such efforts can encourage greater women participation in entrepreneurship and attract support from both governmental and non-governmental bodies
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STRATEGIC RISK MANAGEMENT AND SUSTAINABILITY OF CONSTRUCTION FIRMS IN SOUTH-EAST, NIGERIA
Strategic risk management is a systematic framework for identifying and addressing uncertainties that could impact an organization's ability to achieve its long-term objectives, thereby enhancing resilience and ensuring operational continuity. This study evaluated the effect of strategic risk management on the sustainability of construction firms in South-East Nigeria, focusing on five key practices and their corresponding sustainability dimensions which are: the effect of risk monitoring on supply chain resilience, risk identification on operational efficiency, risk mitigation on resource conservation, risk communication on stakeholder engagement and also the effect of risk compliance on quality management sustainability. Utilizing a descriptive survey research design, data were collected from 313 employees across 25 purposively selected large-scale construction firms and analyzed using simple linear regression. The findings revealed statistically significant positive relationships across all tested variables. Risk monitoring was found to have a significant effect on supply chain resilience, explaining 21.3% of the variance (R² = .213, F(1, 311) = 83.941, p = .024). Risk identification significantly influenced operational efficiency sustainability, accounting for 18.9% of its variability (R² = .189, F(1, 311) = 72.316, p = .031). The study concluded that strategic risk management is an indispensable driver of long-term sustainability for construction firms in the region. It is recommended that firm leaders implement formal, enterprise-wide SRM frameworks, and that policymakers create incentives to promote the adoption of these vital practices to enhance industry resilience and performance.
EXTERNAL DEBT SERVICING AND INTEREST RATE IN NIGERIA 2000-2023
This study examines the effect of debt servicing on interest rates in Nigeria from 2000 to 2022. Time series data were obtained from the Central Bank of Nigeria Statistical Bulletin, and the analysis was conducted using the Ordinary Least Squares (OLS) regression technique. The findings reveal that external debt servicing exerts a negative and significant influence on interest rates in Nigeria during the study period. This suggests that rising external debt obligations constrain financial resources and limit the government's borrowing capacity. The study concludes that the persistent burden of external debt servicing may hinder economic stability and fiscal flexibility. It therefore recommends that the government enhance domestic revenue generation through improved tax administration and an expanded tax base to reduce dependence on external borrowing. Additionally, debt financing should be strategically directed toward promoting economic diversification beyond the oil sector to mitigate vulnerability to external debt pressures.
EFFECT OF DRIVERS RISK ATTITUDES ON INSURANCE CLAIMS IN NIGERIA
This study examined drivers risk attitudes on the demand for insurance claims in Nigeria. Risk attitudes were decomposed into three elements; using cell phone and texting, driving at excessive speed, drinking and driving as independent variables, while insurance claims was the dependent variable. Explanatory research design was adopted in this study. Data was gathered from primary source using structured questionnaires. The sample size for the study was determined using the Taro Yamane formular and multiple regression analysis was used to test the impact of the independent variables on the dependent. Also, to establish the statistical significance of the independent variables, t-statistic at 5% level of significance was used. Coefficient of determination (R2) was also used to establish the predictive power of the independent variables in explaining the variation in the dependent variable. The findings revealed that using cell phone and texting, driving at excessive speed, and drinking and driving had combined significant positive effect with the demand for insurance claims in Nigeria depending on the type of insurance cover possessed by the insured. It was recommended that risk perception training should be implemented to educate drivers about the consequences of risky behaviours such as speeding, drunk driving, and distracting driving, this will help reduce the demand for insurance claims in Nigeria. Also, insurers will have more funds to channel to investments that will enable the insurers attend to claims need whenever it arises.
OPTIMIZING SERVICE QUALITY MANAGEMENT FOR ENHANCED USER SATISFACTION IN TIN CAN ISLAND PORT, LAGOS
Poor Service quality in Nigerian seaports is worrisome because majority of the cargo that are meant for Nigerian seaports are being diverted to the neighboring seaports leading to loss of revenue to the government. This research aim to optimize service quality management in Tin Can Island Port, Lagos, Nigeria. The objectives of this study were to assess the impact of tangibility and reliability on port user satisfaction. Survey type of descriptive research design was utilized. The population consist of eight hundred and twenty (820) respondents. (269) two hundred and sixty-nine respondents made up the sample surveyed in this study; this was derived with Taro-Yamane (1967) formula. The study used simple random sampling criteria to choose the respondents. Questionnaire was the only instrument adopted to collect data. Simple percentage, frequency and Pearson’s correlation were used to analyze data and hypothesis tested with multiple regression analysis. The study findings revealed that tangibility and reliability positively affect port user satisfaction. The research concludes that effective service quality will enhance port users’ satisfaction. Hence, the research recommends that government and individuals’ terminal operators are encouraged to provide up-to-date facilities and equipment. Secondly, officials at the seaports should always show concern and support port users whenever the need arises.
MANAGERIAL SKILLS AND PROMOTION OF ENTREPRENEURIAL ACTIVITIES OF SILVERBIRD GROUP LIMITED IN PORT-HARCOURT
This research work investigated how managerial expertise affects the progress of entrepreneurial endeavours within Silverbird Group Ltd, located in Port-Harcourt. The study objectives are to; determine the influence of technical skills on market research, analyze the effect of interpersonal skills on creative marketing strategies, and evaluate the role of problem-solving skills in promoting the local business of Silverbird Group Ltd in Port-Harcourt. The research employed a survey design methodology. The population is comprised of 108 managerial personnel from Silverbird Group Ltd located in Port Harcourt, Rivers State. The method employed for gathering data involved the use of questionnaires. The hypotheses were examined through the application of linear regression analysis. The study found out that technical skill has a significant positive effect on market research, interpersonal skills have significant positive effect on creative marketing strategies and problem-solving skill has a significant positive effect on promoting local business of Silverbird Group Ltd in Port Harcourt. The research findings indicate that managerial expertise plays a vital part in developing the entrepreneurial endeavours of Silverbird Group Ltd in Port Harcourt. The study proposes, among others, that the management of private organisations should periodically organise seminars and conferences that enhance the managerial skills of their staff.
ATTRIBUTES INFLUENCING CUSTOMER PATRONAGE: EVIDENCE FROM A DEPOSIT MONEY BANK IN NIGERIA
This study investigates the determinants of customer patronage in Nigeria’s banking sector, using Sterling Bank Nigeria Plc as a focal case. Six key factors—ambience, quality of service/service efficiency, digital infrastructure, emotional attachment/brand familiarity, perceived trustworthiness/social–regional affiliations, and bank performance—were examined using regression analysis, chi-square tests, and factor analysis on data obtained from 120 respondents. Findings indicate that all six variables exert a positive and statistically significant influence on customer patronage, with bank performance, service quality, and digital infrastructure emerging as the strongest predictors. Factor analysis further shows that these three constructs collectively account for more than 66% of the variation in patronage levels. The study concludes that customer patronage in the banking industry is both performance-driven and perception-sensitive, shaped by financial robustness, service efficiency, digital capability, and relational trust. It recommends that banks deepen investments in digital modernization, enhance service delivery standards, strengthen corporate performance, and cultivate social trust to maintain competitive advantage in the evolving post-digital banking landscape.
SUPPLIER SELECTION OPTIMIZATION FOR A CLOSED-LOOP SUPPLY CHAIN NETWORK: A COMPARATIVE ANALYSIS OF MCDM METHODS
This study evaluates supplier selection optimization for a closed-loop supply chain network by comparing three multi-criteria decision-making methods which includes Weighted Sum, Weighted Product, and TOPSIS. The analysis focuses on raw material suppliers for sugar and PET bottles, assessing performance across eight key criteria, including cost, sustainability, lead time, and reliability. Findings reveal that 15% of suppliers achieve consistent top-tier performance (average score = 1.0), excelling in both operational and sustainability metrics (sustainability scores of 7.34-9.36 and on-time delivery rates of 0.91-0.97). Methodological disparities emerge, with Weighted Product being the most stringent (12-15% lower scores for mid-tier suppliers) and TOPSIS emphasizing balanced performance. Notably, suppliers with strong sustainability practices (average score = 8.2) outperform cost-focused counterparts by 92%, reinforcing circular economy principles. The study identifies critical performance thresholds, showing that suppliers scoring below 0.5 exhibit fundamental deficiencies (sustainability scores ≤ 3.2). These insights enable stratified supplier selection, highlighting elite performers for strategic partnerships and mid-tier suppliers for targeted development. The results provide a data-driven framework for optimizing closed-loop supply chains, aligning procurement strategies with sustainability and operational resilience.
RESOURCE UTILIZATION AND PERFORMANCE OF PRIMARY HEALTHCARE DEVELOPMENT CENTRES IN SOUTH-EAST NIGERIA
Persistent underperformance in South-East Nigeria's Primary Healthcare Development Centres (PHDCs), evidenced by high mortality rates and low patient satisfaction, highlights a critical problem in resource utilization. This study examined the relationship between specific resource management practices and these performance issues. Grounded in the Resource-Based View (RBV) theory, the study ascertained the relationship between budget variance, absenteeism rates, staff utilization capacity, resource flexibility, and goal alignment and their effects on key performance indicators. A survey research design was employed, targeting 3,176 administrative heads of PHDCs across five states. A sample of 359 was determined using Taro Yamane’s formula, with 299 valid responses collected via a structured questionnaire. The instrument's face and content validity were confirmed by experts, and reliability was established with Cronbach's Alpha coefficients ranging from .789 to .924. Data were analysed using Pearson Product-Moment Correlation. The findings revealed significant correlations between all variables. Budget variance showed a strong positive correlation with mortality rates (r = .703, p < .001), indicating that financial mismanagement directly impacts negative health outcomes. Absenteeism rates had a strong negative correlation with patient satisfaction (r = -.729, p < .001), demonstrating that staff unavailability critically undermines patient experience. The study concludes that strategic, data-driven resource management is essential for improving healthcare delivery in the region. It is recommended that policymakers and facility managers implement stringent financial oversight, optimize staff deployment, and clearly align organizational goals with service delivery objectives to enhance overall healthcare performance and outcomes.