Browsing by Author "Ngwama Justice Chidi"

Now showing 1 - 2 of 2
  • Thumbnail Image
    Item
    Credit Risk Evaluation and Performance of Microfinance Banks in Ogun State
    (Accounting and taxation review., 2020) Uchehara Chris Chigo; Nkwoh Funke Motunrayo; Anuonye Ngozi Ben; Ngwama Justice Chidi
    Microfinance banks in most world economies are dominant as financial institutions providing loans to business owners compared to any other financial institution. However, credit provision requires due attention as credit risk management is one of the critical aspects and challenges faced by microfinance banks. This study examines the role of credit risk management on loan performance in microfinance banks in Ota, Ogun State, Nigeria. The study adopted survey research design and data were collected through a well-structured questionnaire. Purposive sampling technique was adopted, and a sample size of two hundred respondents was drawn from the selected banks in Ota. Data were analysed through the aid of statistical package for social sciences (SPSS), and linear regression was used as a statistical tool for analysis (R=.455; R2=.207 and R Adj.=.202). From the results above, the study revealed that there is a significant relationship between credit risk evaluation and loan performance. The study concludes that proper credit evaluation in microfinance banks is necessary. Therefore, the study recommends that the board and management of microfinance banks in Nigeria should ensure that the implementation of the appraisal process is strictly adhered to without compromise when evaluating risks inherent in loans to their clients.
  • Thumbnail Image
    Item
    Emergence of Unemployment: An Assessment of Nigeria Directorate of Employment (NDE) Skill Intervention Programmes between (2005-2011) in Lagos State
    (Journal of Economics and Sustainable Development, 2015) Amire Comfort M; Ngwama Justice Chidi
    Generation of productive and gainful employment with decent working conditions based on skill development to absorb our growing labour force has become a critical factor in the strategy for economic development in Nigeria. This demands that the government must respond through policy interventions in setting institutional framework that will be responsible for enhancing the skill of products from different academia. Given the strategic position of Lagos State in Nigeria there is need to provide world-class vocational skills training and high quality technical education to Lagos unemployed youths . Young school leavers rush to Lagos in search of jobs. In other to achieve this target, the National Directorate of Employment (NDE) and few other institutions were created. The aim of this study is to examine the relationship between skill development and youth unemployment. In analyzing the relevance of NDE in the development of skill and creation of job in Lagos state between (2005- 2011), this paper observed that NDE has contributed significantly towards creating jobs for the unemployed youths within their capacity. However, the slow pace of NDE in responding effectively to the rate of unemployment and in attaining the millennium development goal (MDGs) will be an uphill task. The government needs to improve on their investment, and develop more institutional capacity to tackle the issue of unemployment in the country. Beyond policy initiation, strategies must be put in place for adequate implementation of the scheme towards eradicating unemployment.