Tag Archives: Accessibility

The Effect of Membership Accessibility of Small Micro Business Cooperatives (Kumk) in Obtaining MSEs Capital Financing from Financial Institutions in Aceh Province (Published)

This study aims to analyze the accessibility of financing for members of cooperatives, micro and small businesses in Aceh Province. Based on the results of the interview, it was found that the accessibility of members of cooperatives owners of micro and small businesses to capital from financial institutions is constrained by several factors including the management of cooperatives that are not active or have multiple managements, making it difficult for the creditworthiness assessment process based on the 5C principles, namely character, capacity, capital, collateral, and conditions of economy. Meanwhile, owners of micro and small businesses are constrained by the available financial reports that explain business prospects related to the capacity aspect in credit assessment, while the other factor is the ability to fulfill guarantees in obtaining credit financing or collateral aspects. It is hoped that related parties can provide training in the preparation of financial reports to micro and small business actors as well as cooperative management. In addition, policies are needed to provide financing without collateral or with special collateral to micro, small and cooperative enterprises. Another factor that needs to be improved is the education of cooperatives for members so as to prevent cooperatives from being inactive.

Keywords: 5C, Accessibility, cooperatives and micro and small businesses

Women Land Ownership and Participation in Decision Making About Housing Development in Oyo South-West Nigeria (Published)

Despite the cultural challenges hindering women from ownership of land, they have continue to play a vital role in Nations building by providing shelter for the family and utilization of land resources. This study examined various issues affecting the effective participation of women in land ownership and housing development in Oyo town with the aim of addressing this numerous challenges. To research employed both descriptive and analytic techniques, these were used through the use of questionnaire survey using a case study approach, reliable data and information were gathered which provide strategic overview of the various land right and housing challenges that confronts women in this particular study area. It was discovered that that majorities of the constrain and challenges against women is centered on the traditional believes and custom practices of the people of Oyo, lack of finance as well as illiteracy. The study concluded by recommending that women be given access to land and suggested that certain cultural issues affecting their right or access to land be removed.

Citation: Oshikoya, T.P. and Ifediora, C.O.(2022) Women Land Ownership and Participation in Decision Making About Housing Development in Oyo South-West Nigeria, International Journal of Developing and Emerging Economies, Vol.10, No.3, pp.14-22

Keywords: Accessibility, Land, Land Tenure, housing development, woman right

Determinants of Digital Banking Convenience and Customer Satisfaction of Selected Deposit Money Banks in Nigeria (Published)

Citation:Kofoworola Sekinat Ogboye, Folorunso I, Akande and, Jerry Kwarbai (2022) Determinants of Digital Banking Convenience and Customer Satisfaction of Selected Deposit Money Banks in Nigeria, European Journal of Accounting, Auditing and Finance Research, Vol.10, No. 2, pp.1-30

The banking industry has enjoyed customer loyalty for over a decade with a high customer retention rate across board but the emergence of technology within the banking sector has aroused the interest of customer to switch from one bank to the other. Worst still, competitors from adjacent information technology  driven industries and other financial organization are now flooding the market with innovative, creative and technology-driven idea which is a deviation  from the conventional banking system and customers now are making decisions much faster and have access to a plethora of offers, leaving financial institutions struggling for customer loyalty. Therefore, the study examined the determinants of digital banking convenience and its effect on customers’ satisfaction in selected money deposit banks in Lagos State, Nigeria.The research designs adopted for this study was survey research design. The target population for this study was customers of the selected deposit money banks in Lagos State, Nigeria. The sample size for the study was 140 and simple random sampling technique was adopted for the study. The research instrument was questionnaire which was validated by the supervisor and the reliability was 0.731. The data for the study were analysed using simple regression analysis.The study showed that digital banking has significant effect on customers’ satisfaction in selected deposit money banks in Lagos State, Nigeria. The finding also revealed that speed of delivery has significant effect on customers’ satisfaction of deposit money banks in Lagos State, Nigeria with Adj R2 = 0. 173; F-Statistics (df = 4, 432) = 27.559 and p-value = 0.000. The study revealed that ease of use has significantly effect on customers’ satisfaction of customers in deposit money banks in Lagos state Nigeria with Adj R2 =0.340; F-Statistics (df = 4, 432).= 66.312 and p-value = 0.000.The study concluded that customers prefer digital banking services which would pave for sustainable development to the banking industry. It is however recommended the gains of this innovation should be consolidated through provision of more service points and user-friendly customer-oriented financial products.


Keywords: Accessibility, Education, age and attitude of customers, ease of use, privacy and security, speed of delivery

Proximity and Performance of Hotels in Port Harcourt: A Corporate Operations Challenge (Published)

The need for proximal positioning for effective performance has been highlighted in this study which sought to examine the relationship between proximity and performance of Hotels in Port Harcourt. The study was guided by six hypotheses stating that there is no significant relationship between proximity (dimensioned by proximity to customers and proximity to staff) and performance (measured with patronage, customer retention and employee turnover). A sample of ninety managers was drawn from hotels in Port Harcourt using the cluster sampling technique. Pearson’s product moment correlation (r) was used in testing the hypotheses at 95% level of confidence. The findings indicated that proximity to customers related significantly with patronage, customer retention and and employee turnover. While proximity to staff did not relate significantly with patronage and customer retention; but with employee turnover. Based on these, it was concluded that to a large extent, proximity is a good predictor of performance of hotels in Port Harcourt. Hence, hotels need to reposition and/or re-strategize so as to mitigate the locational challenges of proximity to customers and employees that are capable of impeding their performance. Consequently, the study recommended among other things that hotels should be located in such a way that they are easily accessible by customers and employees so as to enhance economic activities. Where this is not the case, hotel management should collaborate with transport service providers to address the issue of proximity and easy access to and fro their facilities.

Keywords: Accessibility, Customer retention, Employee turnover, facility location and patronage.

Analysis of Farmers’ Accessibility to Institutional Credit: A Case Study of Akwa Ibom State Integrated Farmers’ Credit Scheme (Published)

The recent call for economic diversification through strengthening and consolidating the agricultural sector becomes imperative for the over dependent on the oil and gas sector. The level of agribusiness activities further reveals access to credit (finance) as serious concern to farmers in order to actualize the diversification agenda. In this light, this study analysed farmers’ accessibility to institutional credit at the Akwa Ibom State Integrated Farmers’ Credit Scheme. For the purpose of primary data collection, a questionnaire was designed and administered to each of the selected farmers in the communities. In addition, in-depth interview (IDI) was conducted with officials of the Akwa Ibom State Integrated Farmers’ Credit Scheme. Out of the 250 copies of the questionnaire administered to the respondents, 196 copies had valid responses and were found useful for the analysis representing a response rate of 78.4 per cent, composed of 79 (40.3%) credit beneficiaries and 117 (59.7%) non-credit beneficiaries. This study employed both descriptive, inferential statistics and logistic regression model in analysing the data that were collected. The study further indicated that the farmers had relatively adequate access to land as the majority (60.8%) of the respondents owned between 1-5 hectares of land, and about 30.2 per cent owned between 6-10 hectares of land while 1.0 per cent of the respondents had more than 10 hectares of land. Farmers with large farm sizes were more inclined to borrow as 42.3 per cent of farmers with large farm size applied for credit as against 7.1 per cent for small-scale farmers. The study also revealed that the credit accessed from the AISIFCS was adequate and majority (80.1%) of the beneficiaries stated that they did not receive the actual amount of loan requested.  Also institutional credits had positive impact on agricultural productivity while age, gender, household size, membership of cooperative, and access to ICT did not significantly contribute to the likelihood of having access to credit from ASIFCS. Marital status, educational qualification, income, size of farm in hectares, distance to nearest bank in km, farming experience in years and access to extension services significantly contributed to the probability of having access to credit from the Akwa State Integrated Farmers’ Credit Scheme (AISIFCS). Therefore, the study showed that the main constraints to local farmer’s capacity in accessing institutional credits include lack of collaterals, high interest rate, high level of bureaucracy, and the mode of repayment among others.

Keywords: Accessibility, Credit Scheme, Farmers, Institutional, Integrated & Agricultural Productivity

HIV/Aids Knowledge and Accessibility to HIV Information among Women in Obudu Local Government Area of Cross River State, Nigeria (Published)

The study was to determine HIV/AIDS knowledge and accessibility to HIV information among women in Obudu Local Government Area of Cross River State, Nigeria. A total of 402 women were recruited using multi-stage random sampling technique. A structured questionnaire was designed to generate data from the respondents. Data collected were entered and analysed using SPSS (version 20.0) and results were presented in tables and charts. Chi-square was used to test for association between variables at 5% level of significance. Findings from this study revealed most study participants (25.6%) were within the age bracket of 35-39 years, (91.8%) Christians, (71.9%) married and (43.3%) had undergone secondary education. Most respondents were civil servants (32.6%), traders/business women (15.7%), farmers (9.7%) and 20.3% were low income earners. Respondents exhibited high knowledge level of HIV/AIDS as the media (39.1%), health workers (18.7%) and HIV/AIDS campaigns (15.0%) were their major sources of information. About 54.5% respondents reported that they currently have access to HIV/AIDS information and other reproductive health services with primary health centers (21.4%) and hospitals as their top source of information centers. Intensifying HIV/AIDS awareness campaigns and improving access to reproductive health services are core strategies in averting HIV morbidity and mortality among women domiciling in semi-urban and remote settings.

Keywords: Accessibility, HIV/AIDS, Knowledge, Obudu LGA, Women


This paper deals on challenges of climate change on provision of and accessibility to quality education in Nigeria. It also looks at the implications for quality education in Nigerian educational system. The study is a survey carried out in the three education zones in Ebonyi State. The population is made up of 2,855 secondary school teachers and simple random sampling technique was used to draw a sample size of 300 secondary school teachers. Two research questions guided the study. A structured questionnaire made up of 26 items was used for data collection. Two experts in curriculum studies and one expert in Measurement and Evaluation validated the instrument. To determine the reliability of the instrument, a pilot test was done outside the area of the study. Using Cronbach Alpha method, a reliability coefficient of 0.78 was obtained. Data collected were analyzed using mean statistics. The findings of the study among others, showed that climate change-related problems adversely affect teaching and learning by causing the following: lateness and absenteeism to school among teachers and students; destruction of school buildings and learning materials, unconducive learning environment, destruction of means of livelihood; incompletion of curriculum content, ineffective instructional supervision, and poor performance in examinations. Based on the findings the following recommendations were made: climate change should be integrated into secondary school curriculum; and seminars, workshops, and conferences should be organized for teachers, students, and school administrators on adaptation and mitigation measures of climate change.

Keywords: Accessibility, Climate Change, Quality Education


Rural transport and infrastructure development in Nigeria have being topical issues and have been identified by many as crucial components for economic development of the country. In light of the above, the paper adopted survey method to gather data while secondary sources of data were also utilised to argument the later. A total of three hundred set of questionnaires were administered in three randomly selected communities in the study area. The analysis of the data revealed an inequality in the provision of road infrastructure and rehabilitation of roads in the area, resulting in disparities in the level of development. The poor condition of roads in the area is having negative effects on agricultural activities which is the major source of income of residents, thereby increasing the poverty rate. The study recommendations integrated rural development strategy, empowerment of the grassroots dwellers by the government to enhance grassroots development. Other recommendations include the establishment of road maintenance unit at the local government level to ensure that existing roads are kept in good condition, encourage private-public participation in rural road development and finally, community efforts should be encouraged through self-help approach

Keywords: Accessibility, Poverty, Rural Area, Self- Help Approach And Development