FACULTY OF MANAGEMENT SCIENCES

This study is on non-performing loans and performance on quoted deposit
money banks in Nigeria. The objectives of this study are to investigate the
effect of non-performing loans, loans and advances and loan loss provision
on performance of quoted deposit money banks in Nigeria. Secondary data were sourced from the audited financial statement of our fourteen (14) sampled quoted deposit money banks spanning from 2010- 2019. The study adopted panel regression analysis to analyze the data as well as other preliminary texts like descriptive statistics, correlation analysis and Hausman test. The study found out that non-performing loan and loans and advances does not impact on the performance of quoted deposit money banks, only loan loss provision displayed significant impact. The study recommends amongst others that there is need for the Nigeria Deposit Insurance Corporation (NDIC) and the Central Bank of Nigeria (CBN) to oversee banks more closely in order to prevent a potential rapid increase in non-performing
loans.

The study empirically investigated entrepreneurship education and entrepreneurial intentions among graduated students of the university of Benin. Specifically, the study aimed at ascertaining the extent to which entrepreneurship education influences the intentions of graduates to pursue entrepreneurial activities after school. Hence, the study sought to ascertain the level of entrepreneurial intentions among graduated
students to identify the push and pull factors compelling/attracting graduated students into the pursuance of entrepreneurship. Furthermore, the study’s goal was to examine the effect of the selected demographic variables (gender, age, academic level, and faculty) on students entrepreneurial intentions, while also ascertaining the major
forms of businesses that the students are likely to pursue after their course of study. Lastly, part of the study objective was to identify factors serves as deterrents or discouragement to students entrepreneurial pursuit. In order to effective guide the study towards achievement of stated the objectives, five research questions were raised, and three hypotheses generated. The study population comprised all newly graduated students of the university, of which data obtained from the registry put the population at 20,630, 2023/2024 academic session. The study adopted a convenient sampling method and after due computation using the taro yamane’s sample size determination formular ( at10%), a total sample of 100 respondents was arrived at. The study adopted survey research design which entailed the use of structured questionnaire in ascertaining the opinion of the respondents on the subject matter. Data obtained for the study were analyzed using descriptive statistic, simple percentages, and frequency counts; while the one sample t-test, independent sample test, and one way anova were employed in testing the formulated hypothesis. The data were analyzed via the statistical packages for social sciences (SPSS) version 20

Feasibility studies play a crucial role in business planning and entrepreneurial success by assessing the viability of business ideas, identifying potential challenges, and optimizing resource allocation. This study examines the impact of feasibility studies on entrepreneurial success in Benin City, with a focus on business startup, cost implications, business environment insights, capital requirements, and challenges hindering entrepreneurs from conducting feasibility studies. The research employs a quantitative approach, utilizing descriptive and inferential statistical techniques to analyze data collected from 120 entrepreneurs in Benin City. These were collected by the use of well-structured questionnaires which were administered to business owners, managers, and other key stakeholders in selected SMEs. Findings indicate that feasibility studies significantly enhance business success by reducing uncertainties, securing investments, and guiding strategic decision-making. However, the study also reveals that the high cost of conducting feasibility studies poses a major barrier, limiting accessibility for small business owners. Additionally, the research confirms that feasibility studies provide critical insights into the business environment, including market demand, competition, and risk factors, thereby improving business positioning. The study further establishes a strong relationship between feasibility studies and capital planning, highlighting their role in securing adequate funding and managing financial risks. Lastly, findings suggest that financial constraints and lack of awareness are key challenges preventing entrepreneurs from utilizing feasibility studies effectively. Based on these findings, the study recommends that policymakers and financial institutions implement measures such as subsidized feasibility study programs, financial assistance schemes, and awareness campaigns to promote the
adoption of feasibility studies among entrepreneurs. The study contributes to the growing body of knowledge on business feasibility analysis and provides practical insights for aspiring entrepreneurs and business development agencies in Benin City.

The Nigerian banking sector has undergone significant growth and transformation in recent years, playing a pivotal role in the country's economic development. Effective management decision making is crucial for the sustainability and success of deposit money banks in Nigeria. Accounting information, including financial statements and key financial indicators such as Return on Equity (ROE), Net Interest Margin (NIM), and Non-Performing Loan Ratio (NPLR), serves as a vital source of information for managerial decision making. This study aims to investigate the impact of these accounting information variables on the management decision making process in Nigerian deposit money banks. The research design adopted a correlational approach, focusing on a five-year period from 2018 to 2022 and selecting five representative deposit money banks. The study found that there is a significant relationship between ROE and management decision making, emphasizing the importance of financial performance indicators in shaping strategic planning, resource allocation, and profitability decisions. However, NIM was found to have no significant impact on the decision-making process, suggesting that not all banking operations are equally influenced by accounting information. Notably, NPLR exerted a strong influence on management decision making, highlighting the importance of effective non
performing loan management for sound decision-making processes. This research contributes to understanding the role of accounting information in Nigerian deposit money banks' management decision-making. Recommendations include enhanced utilization of accounting information, deeper investigation of NIM's impact, robust NPL management strategies, and continuous research into factors affecting decision-making. Future studies could explore the influence of macroeconomic factors and risk management practices on decision-making in Nigerian banks. This research provides valuable insights for bank managers, regulators, policymakers, and stakeholders, facilitating evidence-based decision making and enhancing the overall performance of deposit money banks in Nigeria

This study examined the relationship between foreign exchange rate fluctuations and corporate profitability using panel data of thirteen commercial banks listed on the Nigeria Exchange Group for the period 2018– 2022. The variables considered were corporate profitability proxied by return on capital employed and return on assets, exchange rate, inflation rate and interest rate. The study carried out a histogram normality test, Breusch-Pagan-Godfrey test of heteroskedasticity, Ramsey RESET model specification test, Serial correlation test, correlation analysis and regression analysis. The F-statistics indicated that all the explanatory variables taken together are statistically significant. The regression result revealed that exchange rate has a positive and statistically insignificant relationship with return on capital employed and return on assets. The study recommended that government should formulate policies that will be very consistent in controlling exchange rate fluctuations and interest rate should be controlled by the government to encourage firms to source external capital for their expansion.

The study is on capital market development and economic growth in Nigeria. The goal of the study is to ascertain the impact of capital market performance on economic growth in Nigeria. The study adopted the fully modified ordinary least square (FMOLS). The outcome of the study revealed that all capital market indicators (MCAP, VOT, VAT) except All share index (ASI) are positive and significant with economic growth in Nigeria. The study however recommends that market capitalization must be improved by encouraging more foreign investors to participate in the market, this will increase new issues which will automatically increase economic growth of Nigeria.

This study empirically examines the influence of on employee’s commitment in the deposit money banks in Benin City, Edo State. It specific objectives are to examine the influence of performance standard assessment scale performance assessment (rating), job performance feedback and performance based reward on employee commitment in the deposit money banks in Benin City, Edo State. In achieving these objectives, the study adopted the cross sectional survey research design. It specifically makes use of data collected from three hundred and thirty one (331) staff of Deposit Money Banks (MDB) in Benin City, Edo State. Data collected were analyzed with descriptive and Ordinary Least Square (OLS) regression. The study reveals that performance standard assessment scale, actual work performance assessment (rating), and performance based reward have a positive significant influence on employee commitment. However, job performance feedback does not significantly influence employee commitment. Based on these findings, the study recommends that managements of banks in Benin City, Edo State should design performance standard assessment scale that is accurate, fair and satisfactory as well as train rater or assessor on how to use performance standard assessment scale in appraisal employee job performance. Moreover, they ensure employees performance ratings reflect their actual performance and adequately tied career advancement as well as pay or salary increases to performance rating

This study examined the relationship between quality customer service and brand perception among commercial bank customers in Benin City, Nigeria. The research focused on four key dimensions of customer service: employee performance, good communication, quick responsiveness, and empathy, assessing their impact on brand perception. A total of 385questionnaires were distributed to customers within the Benin Metropolis, with 380 successfully retrieved and analyzed. The study adopted a quantitative research design, utilizing descriptive statistics and regression analysis to evaluate the data. The findings reveal that employeeper formance, quick responsiveness, and empathy have a significant positive relationship with brand perception, indicating that ef icient service delivery and customer engagement enhance brand perception. However, good communication does not significantly influence brand perception, suggesting that customers may prioritize service ef iciency and personalized interactions over mere information exchange. Based on these findings, the study recommends that commercial banks invest in employee training programs, enhance service responsiveness through technology-driven solutions, and foster a customer-centric approach emphasizing empathy to improve brand perception. Additionally, banks should focus on optimizing service delivery rather than solely improving communication strategies to strengthen their competitive advantage in the banking sector

This study examined emotional exhaustion and deviant workplace behaviour among university lecturers, using the University of Benin and Benson Idahosa University, Benin city, Edo state. Specifically, the study aimed at ascertaining the level of emotional exhaustion, and deviant workplace behaviour among the University lecturers, while also ascertaining the linear relationship or the extent at which deviant workplace behaviour impacts on the emotional exhaustion of lecturers. The study adopted a survey research design which entail the use of structured questionnaire in obtaining responses from a study population. A total of 150 copies of questionnaire were distributed to lecturers in the selected institutions, out of which 126 were recovered and used form for the analysis. The data so obtained were analyzed using descriptive and inferential statistics; simple percentage and frequency, and mean; while the linear regression model was employed in ascertaining the relationship between the study variables. The data were analyzed via the statistical software for social sciences (SPSS) version 20. Findings obtained after due analysis of the data retrieved from the research instrument showed that; University lecturers have a high level of emotional exhaustion. They often feel emotionally drained, used up, fatigued, burned out, frustrated and stressed out from their jobs. This most times is closely associated with the nature and myriad of workloads that are encumbered with. The study therefore recommends that Universities should prioritize the mental health and well-being of their lecturers. They should establish and promote mental health programs, counselling services, and stress management workshops to help lecturers cope with emotional exhaustion. Furthermore, they should create a supportive environment where they can seek help and guidance when needed. University authorities should conduct regular assessments of lecturer workloads and ensure they are reasonable and manageable. They should consider hiring more faculty or providing additional resources to reduce the burden on lecturers.

This study examined the relationship between quality customer service and brand perception
among commercial bank customers in Benin City, Nigeria. The research focused on four key
dimensions of customer service: employee performance, good communication, quick
responsiveness, and empathy, assessing their impact on brand perception. A total of 385
questionnaires were distributed to customers within the Benin Metropolis, with 380 successfully retrieved and analyzed. The study adopted a quantitative research design, utilizing descriptive
statistics and regression analysis to evaluate the data. The findings reveal that employee performance, quick responsiveness, and empathy have a significant positive relationship with brand perception, indicating that efficient service delivery and customer engagement enhance brand perception. However, good communication does not significantly influence brand perception, suggesting that customers may prioritize service efficiency and personalized interactions over mere information exchange. Based on these findings, the study recommends that commercial banks invest in employee training programs, enhance service responsiveness through technology-driven solutions, and foster a customer-centric approach emphasizing empathy to improve brand perception. Additionally, banks should focus on optimizing service delivery rather than solely improving communication strategies to strengthen their competitive advantage in the
banking sector