Credit Expansion and Commercial Banks Soundness in Nigeria: An Application of Multi -Dimensional Analysis (Published)
This study examined the effects of credit expansion on commercial banks soundness in Nigeria. The objective was to ascertain the relationship between credit expansion and commercial banks soundness in Nigeria. Time series data was collected from Central Bank of Nigeria statistical bulletin and stock exchange factbook. Ordinary least square method was used as data analysis method. Model I had capital adequacy indicator was modeled as the function of bank credit to manufacturing sector, communication and transport, mining and quarrying, agricultural sector and credit to small and medium scale enterprises while model II modeled capital adequacy indicator as the function of credit to private sector, net domestic credits, medium term credits, short term credits and long term credits. From the findings, Model I found that the independent variables explained 77 percent variations on capital adequacy ratio. The beta coefficient found that all the independent variables have positive effects on bank capital adequacy except credit to manufacturing sector. Model II found that the independent variables can explain 81 percent variations on capital adequacy while the beta coefficient found that all the independent variables have positive effects except medium term credit. The study concludes that credit expansion significantly relates to commercial banks soundness in Nigeria. We therefore, recommended for a well-articulated credit policies that will strengthen commercial banks soundness in Nigeria.
Multidimensional Analysis of The Integration Factors of ICT in Education: A Case Study Through The Moroccan Genie Program (Published)
With the aim of ensuring scientific dissemination that we describe the English version of our article published in French in ESJ (Samiha, 2016). This article focuses on the integration of ICT in high-school level within the framework of teaching of Life and Earth Sciences (SVT in French). The experimentation was conducted with a sample of 112 Moroccan teachers from the region of Fez-Boulemane, who responded to a questionnaire of 16 modalities related to the availability and the use of ICT tools, the educational management of ICT in class, and the trainings and competencies of the teachers in ICT and computing. In order to make an original contribution to the study of the integration of ICT, we adopted a multidimensional analysis in the treatment of the answers of the teachers. Thus, thanks to a Factorial Analysis of Multiple Correspondence (FAMC), we could take account of the links which exist between the various modalities of our questionnaire to get to identify the most discriminating factors in the integration of ICT, according to their order of importance. The results of this analysis led to three factorial axes cumulating an absolute inertia of 70%, respectively representing «the pedagogical contribution and the fundamental conditions of a successful integration of ICT», «the advanced competencies in ICT and computing» and «the difficulties of using ICT in class». These axes, in this hierarchy, ultimately represent the most discriminating factors for a successful integration of ICT.