Department of Adult and Non-formal Education

The focus of this study was to appraise the role of Micro Finance banking in the development of rural communities in Warri South Local Government Area. To the enable the study achieve its objectives, six research questions were raised. The major instrument for data collection for the study was self- constructed questionnaire. A total of three hundred and thirty-two (332) participants selected from communities in the area under study as well as fifty members of staff of micro finance banks in the area under study constituted the sample for the study. Data collected were analyzed using frequency count, simple percentage, bar and pie charts and mean score standard to analyze the collected data. Findings from the study revealed that the various financial services
offered by the micro finance banks in Warri South Local Government Area include provision of micro credit for business in the rural areas, loans to community members, and funds for the establishment of farmlands and that micro finance banks provides skill acquisition programme to the community members, training on economic skills for members of the community, loans for the establishment of business and enabled youths become self-employed. It was also discovered that the rural development activities pursued by the micro finance banks in the area include provision of water to the community, electrifying the community and repairing bad roads. However some of the challenges encountered by the micro finance banks in carrying out its activities
in the host communities include lack of or poor cooperation from members of the communities, insufficient fund and bad loans. Based on the findings, it was recommended amongst others that there is need for micro finance institutions to identify money ventures in the community and invest in them. This will enable communities have some funds at their disposal to carry out developmental projects on their own. Community members should be encouraged to participate in skill acquisition programmes
provided by micro finance banks. Effort should also be made at developing the human resources in the community through award of scholarships to students and micro finance banks should evolve policies that will enable them monitor the loans and credit facilities given to community members so as to ensure that they are recovered as at when due.

The study assessed the effectiveness of Adult Education Programme in
promoting the socio economic Development of Esan West Local Government. Five
research questions were raised to guide the study. The descriptive survey research was adopted for the Study. The population and
Sample size of the study was made up of 2000 people in Esan West local government and
100 as the sample size in Esan West Local Government. The instrument for the study was
a questionnaire titled "The effectiveness of Adult Education Programme in promoting the
Socio-economic Development of Esan West Local Government". Simple percentage
method of data analysis was used in analyzing the data gotten from the respondents. The
findings in the study revealed that Youth skill development programme In community, Intimate vocational skill programme in my community and different trainings available
for workers in Esan you West Local Government are the available Adult and programme
in Esan West Local Government, I am currently enrolled in the adult education
programme in my area, I became aware of Adult Education Programme through Radio
advertisement , The primary reasons for your participation in adult education programme
is to raise my economic , To be able to read and write or acquire skills of reading and
writing and calculation are level of participation of people in adults education programme
in Esan West Local Government, Adult Education Programme can help address
unemployed and underemployment problem in the community , Adult Education
Programme can contribute to poverty reduction efforts and you in the community, Vocational skill programme can contribute to socio economic development in Esan West
Local Government , Specific skills are most beneficial for adults to acquire through
education to enhance socio-economic development are ways Adult can promote socio
economic development in Esan West Local Government, It helps the adult in their daily
Life, The people are familiar with adult education programmes are how People in Esan
West Local Government perceive Adult Education Programme, The study recommends that; There should be sufficient awareness about Adult
Education Programme in Esan West Local Governmen, Adult Education Programme
should be more inclusive and accessible to individuals from diverse backgrounds and
communities within Esan West Local Government, The use of technology Should be
integrated into adult

This study examined the Influence of Financial Literacy on the Financial Behaviour of Sub-Urban Traders. It aimed to determine the extent to which being financially literate can affect the choices and decisions of sub-urban traders when it comes to dealing with finance. In line with the convention in research, five research questions were raised for investigation on the basis of the purpose and basic assumptions of the study. The research questions are;
1. What is the level of financial literacy of sub-urban traders in Ovia North east local government of Edo State?
2. What is the financial behaviour of sub-urban traders in Ovia North east local government
of Edo State?
3. What factors influence the financial behaviour of sub-urban traders in Ovia North east local government of Edo State?
4. Is there a relationship between financial literacy and financial behaviour of sub-urban traders in Ovia North east local government of Edo State?
5. Is there a difference in financial behaviour between male and female of sub-urban traders
in Ovia North east local government of Edo State? The design adopted for the study is the descriptive research design which provided the researcher the opportunity to conduct a general assessment of opinions, attitudes or feelings of respondents. The population was drawn from male and female sub-urban traders and in all, 250 respondents were involved. The stratified and proportionate sampling technique was used to select 125 respondents. The research instrument that was used for data collection was a questionnaire titled “Financial Literacy and Financial Behaviour Questionnaire” which was validated by the project’s supervisor and two other experts from the department of Adult and Non-Formal Education. The instrument was pilot-tested in a sample of 20 respondents whowere not part of the study sample to determine the reliability of the study. The method of data collection was through the administration of the instrument to the respondents. The data was analyzed using descriptive and inferential statistics which analyzed the hypotheses formulated. The study revealed that some sub-urban traders does not have financial literacy skill as they are not aware about savings, credits insurance, investments, etc and in return, they tend to have poor negative behaviour financially. Although, some of them make a lot of sales but it does not guarantee a balanced financial behaviour as their businesses can be at risk when issues that relates to finance arises. Based on the findings of this research, the following conclusions were reached as yielded by the data analysed;
•There is a low level of financial literacy among sub-urban traders in Ovia North east
local government area of Edo State. Also, Sub-urban traders have poor financial
behaviour in Ovia North east local government area of Edo State.
•The factors influencing the financial behaviour of sub-urban traders in Ovia north east local government area of Edo State are inflation and currency rates, access to current and reliable information, psychological biases such as overconfidence, and traders’ attitudes towards investments and savings.
•More so, there is a significant relationship between financial literacy and financial
behaviours of sub-urban traders in Ovia North East local government area of Edo State.
•And finally, there is no significant difference between male and female sub-urban traders in Ovia North east local government area of Edo State.

The study was carried out to determine “influence of literacy education on the participation of women in community development programme in Ovia North East Local Government Area.” Four research questions were raised; What is the level of women
participation in literacy education programme in Ovia North East local Government Area. How does literacy education impact women's participation in community development programmes in Ovia North East Local Government Area? What strategies can be implemented to enhance women's literacy and thereby promote their effective participation in community development?
What are the challenges faced by women in accessing literacy education within the community? The target populations of the study consist of women participants in adult literacy centres in Ovia North-East Local Government Area. The population includes women literacy centres organized in the area. This represents the total number of one hundred and fifty participation (150), selected randomly using simple random sampling technique. Findings from the study revealed that; Lack of adequate awareness affected the women from effective participation in literacy education programme. Women in the community were not generally mobilized to bring about effective participation in the literacy education programme. The following recommendations are made; Adequate awareness and sensitization should be created in rural communities so as to increase their level of participation in literacy education programme. Literacy education programme should be based on the felt-needs of the women in the community, as this will go a long way to motivating and sustaining the interest of women.

ABSTRACT
This study was designed to investigate challenges of women participation in functional literacy programmes in Ovia North East Local Government Area of Edo State. In to achieve this purpose; the following research questions were raised to guide the study:
The study adopted the descriptive survey type of research design and the major instruments used for data collection was the questionnaire. The questionnaire was validated and the reliability was determined through test-retest method. The data collected were presented in frequency count and percentage for all the four (4) research questions examined. A total of one hundred (100) women participants that is twenty (20) women were selected from five (5) skills training or acquisition centres in the area through purposive sampling techniques.
The findings of the study revealed that there are functional adult education programmes in Ovia North East Local Government Area, the programmes are of different types and there is a lack of awareness of adult educational programmes. It was recommended that, more awareness should be created by way of publicity in the various media outlet using jingles, and other forms of advertisement that more women can be aware that such programmes exist. There is a need to site more adult education centres in the various communities in Warri North-East Local Government Area of Delta State to enable women in such location participate. The scope of skills/programmes available in adult education centres should be broadened to accommodate a variety that can cater for the need and interest of would be participants. These factors have the power to sustain participation in any individual.

The purpose of this study was to examine the factors influencing youths’
involvement in social vices in Benin Metropolis, Edo State. Five research
questions were raised to guide this study.
The study adopted descriptive survey research design, the total population
of the study is the youths in Benin Metropolis while the sampled
population is a total of one hundred and twenty youths in Benin
Metropolis. The instrument used for data collection is an objective
questionnaire, this instrument was validated by the project supervisor and
other lecturers in the Department of Adult and Non Formal Education,
Faculty of Education University of Benin. The data gathered was analysed
using percentage and frequency count.
Findings from the study revealed that poverty influence youths
involvement in social vices in Benin Metropolis. Social Media influence
youths’ involvement in social vices because most times youths usually
wants to carry out what they've learnt on the social media. Family also
have a way of influencing youths involvement in social vices, families
that are not morally upright will not be able to teach and correct their
children when they see them misbehaving in the society. Peer pressure
also contributes to youths involvement in social vices, most youths wants
to feel among by engaging in all that their peers do either good or bad.
Based on the findings that emerged from this study, it was concluded that
the family, social media, poverty and peer pressure have significant
impact on the youths involvement in social vices in Benin Metropolis. In
order to make our society better there is need for us to focus and invest
more in the youths who are the future generations. Parents should train
their children in the ways and manner acceptable in the society, there is
should be restrictions on what the youth see on social media so as to
prevent them from practising what they learn

This study investigates the perceived impact of effective communication on adult education programmes in Ovia North East local government area of Edo State. To achieve this purpose, the five (5) research questions were raised to guide the study: The study adopted descriptive survey research design for the study. Five (5) adult literacy centres was used for the study. One hundred and twenty adult learners were selected using the simple random sampling technique. Questionnaire was the instrument used to elicit information from the respondents. The questionnaire were designed and validated by experts in the department of Adult and Non-formal Education Faculty of
Education, University of Benin. Data were analysed using descriptive statistical techniques such as table, frequencies counts, and simple percentages. Findings of the study revealed that the level of awareness of effective communication among adult learners in the area is high. It was also revealed that that the best effective ways to communicate with adult learners in the area are; adult learners should be made to participate in the communication process, the facilitators should be audible, time conscious and should use clear and unambiguous words. It was recommended Facilitators should try to create a good rapport between them and the adult learners, this will make the them to feel free to express their opinions or views. It was further recommended that facilitators should pay cursory attention to adult who have hearing difficulties and bring them to the front seat for them to hear what is been taught.