Ownership of a unique and legal identity is crucial for financial inclusion in Uganda as majority of financial service providers demand a national identity (ID) to satisfy the KYC (Know your customer) requirements. This study attempts to examine the effect of ownership of a national ID on financial inclusion in Uganda. The study utilizes the 2017 World Bank Global Findex data and finds that national ID ownership is statistically significant in predicting the likelihood of being financially included in Uganda. With 95% confidence, national ID ownership, phone ownership, education, income quintile, and employment status significantly predict the likelihood of being financially included in Uganda. The study further reveals that an individual who owns a national ID and owns a phone, has secondary school education, is in the richest 20% income quintile, and is in the workforce is more likely to be financially included compared to the same individual without a national ID although the result is not statistically significant. Generally, the study argues that Uganda can boost financial inclusion by harnessing ID ownership among the financially excluded. The study recommends that national ID ownership policies should be integrated with other policies such as human capital development, income equality, employment, and increasing phone ownership in order to achieve efficient outcomes.
Socio-Economic Factors Influencing Extension Workers’ Satisfaction With Job Condition in Kebbi State Agricultural And Rural Development Authority (Karda), Kebbi State – Nigeria (Published)
This study assessed the agricultural extension condition in Kebbi State Agricultural and Rural Development Authority (KARDA). Both the primary and secondary data were used for this study. The target population for this study is the extension workers and the farmers in Kebbi State Agricultural and rural development authority (KARDA). Multi-stage random sampling procedure was used to select 120 extension workers from 24 agricultural extension blocks (5 extension workers per block). The results of the study shows that majority (95.5%) of the extension workers were male and only 5.0% were female, were within the age group of 48 – 57 years, while only 1.7% were within the age group of 18 – 27 years, had Ordinary National Diploma (OND, had their household size ranging from 1 to 11 people, while 30.8% had household size ranging from 12 – 22 persons and had 21 to 30 years working experience, while 19.2% had 1 -10 years of working experience. Regarding the most frequently used methods in communicating new ideas, majority of the extension workers (96.7%) frequently used farm, home and office visits. The study also reveals that majority of the respondent (45.8%) organized visits for the farmers every two weeks as a strategy for educating and communicating of information towards enhancing agricultural productivity and skills. It was found that of the six (6) variables included in the model, only socio-economic characteristics such as education (X4), household size (X5) and experience (X6) had a significant relationship with their job satisfaction. The most pressing constraints, as perceived by the respondents, is that their remuneration was inadequate. The study recommends that the Kebbi State Government should improve the level of job satisfaction of the extension agents in Kebbi State Agricultural and Rural Development Authority (KARDA) through provision of funds, equipment, mobility and housing accommodation and should enhance the skills and make the extension staff equips with the latest technologies training programme should be organized for extension agents.
Socio-economic factors influencing utilization of manual screw press for gari production in Kwara state, Nigeria (Published)
This study investigated socio-economic determinants of utilization of manual screw press for cassava mash dehydration for gari production in four local government areas across the ADP zones in Kwara state, Nigeria. Using multistage sampling technique and a semi-structured questionnaire as instrument, data for the study were collected from a sample of three hundred and eighty four (384) gari processors who use the screw press in the state. Multiple regression analysis show that a correlation (R=0.678) exist between utilization of the screw press and the independent variables which include age, household size, level of education, years of processing experience, extension visits, and income from gari processing. R2 value of 0.460 indicates that about 46% of the variation in utilization was explained by socio-economic variables included in the regression model. Three variables significantly influenced the decision of the respondents to utilize the manual screw press: age, level of experience, and income; the most important predicator being income with a Beta value of 0.699. Conclusively, it was recommended among others that research, extension, and policy makers consider the significant determinants identified in the study seriously if increased utilization is to be achieved by gari processors and others similar to them in the study area and the region.
Socio-Economic Factors and Awareness of HIV/AIDS among Rural Women Farmers in Ebonyi State, Nigeria: Issues for Guidance and Counselling (Published)
This study analyzed the socio-economic factors influencing rural women farmers’ awareness of HIV/AIDs in Ebonyi State, Nigeria: Issue for Guidance and Counseling. The study employed purposive and multi-stage random sampling techniques in the selection of 120 rural women who formed the sample size. Primary data used for the study were collected using questionnaire and interview schedule. These were analyzed with descriptive and inferential statistics. The result of data analysis showed that the rural women in the study area were knowledgeable on mode of transmission of HIV/AIDs such as: mother-child (94.17 percent), sexual-intercourse ( 93.33 percent), contaminated sharp (piercing ) instruments (91.67 percent) among others. The result of multiple regression analysis indicated a coefficient of multiple determination R2 of 68.5 percent. This means that about 68.5 percent of the level of awareness of HIV/AIDs in the area was influenced by the socio-economic characteristics of the respondents. Most of the explanatory variables were statistically significant and met a priori expectations. The null hypothesis tested at 5 percent level of significance was rejected. This shows that there is significant relationship between the socio-economic characteristics of the rural women and their level of knowledge of HIV/AIDs in the area, hence the need for counseling. Further analysis identified lack of adequate information (3.64), remoteness of the rural areas (3.10), cost of information access (3.12) among others as major obstacles which limited rural women knowledge of HIV/AIDs in the area. It was concluded that improving the knowledge of HIV/AIDs through constant guidance and counseling would minimize the spread of the scourge and as well improve the contribution of the women to agricultural development in the study area. Necessary recommendations such as improving the educational status of the women farmers among others were made.