I.H. Omoregie

The study investigated the prospects and opportunities available to adult facilitators in-training in Benin Metropolis. Three research questions were raised and two hypotheses were formulated to guide the study. The descriptive survey research design was adopted for the study. The targeted population of the study included undergraduate students, post graduate students and lecturers of the Department of Adult and Non-Formal Education, Faculty of Education, University of Benin. A total of 120 respondents were used as sample of the study. They were selected using the stratified, proportionate and census techniques respectively. A structured questionnaire titled "Assessment of the Prospects and Opportunities for Adult Facilitators-in-Training" (APOAFTQ) was used as the research instrument. The instrument was validated by the project supervisor and two other lecturers in the Faculty of Education, University of Benin, Benin City. The reliability of the instrument was determined using the Cronbach alpha procedure of which an average weight of 0.70 was obtained. The data collected were analysed using the descriptive and inferential statistics. The descriptive statistics involved frequency count, percentages and mean score with a criterion mean of 2.50 while the inferential statistics involved the use of the Pearson's r to test the hypotheses formulated. After the analyses, it was found in the study that there are job prospects and opportunities available to adult facilitators-in-training upon completion of their training programmes. It was also revealed that there are professional development opportunities available to adult facilitators-in-training in order to enhance their job productivity and career advancement. The study therefore concluded that job prospects are available to adult facilitators-in-training in Benin Metropolis. On the
basis of the findings and conclusion reached in the study, it was recommended among others that adult facilitators-in-training should give themselves to professional development in order to advance in knowledge and skill; and that adult education as a course of study should be recognized as a profession among other professions without any form of discrimination

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 who
were 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.

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 who were 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.

Government is a social science subject, studied in various educational institutions (primary, secondary and tertiary). It is known as Political Science in higher institutions. Government Studies covers a range of International Relations, Comparative Politics, Public Administration and so on. This is because government is both a system, an institution and a process which can be studied for better understanding of how it works. It is a secondary school subject deals with the whole process and structure of political institution.

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 usedto 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 who were 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 Stat

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.