O. Osifo

The study examined the effect of financial inclusion on economic growth in Nigeria spanning periods from 1994 to 2023 based on the accessibility of data. Four hypotheses were raised and evaluated using the fully modified ordinary least squares estimator. Based on the analysis conducted, the following findings were made that: the number of bank branches per 100,000 adults has a statistically significant but negative impact on economic growth in Nigeria; the number of deposit accounts with commercial banks per 1,000 adults does not significantly impact economic growth in Nigeria; the proportion of outstanding loans from commercial banks as a percentage of GDP does not have a significant effect on economic growth in Nigeria; and the total volume of mobile money transactions as a percentage of GDP has a statistically significant and positive impact on economic growth in Nigeria. Thus, it was recommended that: policymakers and financial institutions should prioritize investments in mobile and digital banking infrastructure over expanding physical bank branches; financial institutions should implement strategies to encourage the active use of deposit accounts; financial institutions should focus on enhancing access to productive credit for individuals and small businesses; and policymakers and financial institutions should further develop mobile money ecosystems.

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 examines the impact of liquidity management on the monetary performance of publicly listed deposit money institutions in Nigeria from 2012 to 2021. The main goal of this inquiry was to ascertain how these deposit money banks' financial performance is impacted by their liquidity ratio, loan-to-deposit ratio, cash reserve ratio, and capital adequacy ratio. Panel data regression techniques were used in the study's analysis. The results of the study showed a favorable correlation between the liquidity ratio and cash reserve ratio of the deposit money banks' financial performance in review, particularly their Return on Assets (ROA). These effects, however, are regarded as statistically negligible. On the other hand, although this impact is also regarded as statistically small, the loan-to-deposit ratio has a detrimental effect on the performance of deposit money institutions. Notably, the capital adequacy ratio shows that it has a statistically significant negative impact on the financial performance of deposit money institutions

The study examines the effect of Government Capital Budgetary Expenditure on Stock Market Performance. The ordinary least squares econometric tool was employed to empirically examine the relationship within 1984-2021. The study found out that Government expenditure on health has a negative significant influence on stock market performance in Nigeria; Government expenditure on education has a positive significant influence on stock market performance in Nigeria; Government
expenditure on agriculture has a positive insignificant effect on stock market performance in Nigeria; Government expenditure on defense has a negative insignificant impact on stock market performance in Nigeria.

The study is on the impact of capital structure on the performance of quoted insurance firms in Nigeria. The study adopted the panel data regression method. The outcome of the study revealed that total debt to total assets ratio has a negative significant impact on performance of Nigerian insurance firms, short-term debt to total assets ratio has a positive significant impact on performance of Nigerian insurance firms, long-term debt to total assets ratio has a negative significant impact on performance of Nigerian insurance firms. The study however recommends that in order to continue to be profitable and competitive, top management of every insurance company needs make wise financial decisions. In order to finance their operating activities, listed insurance companies must step up their efforts to rely more on internally generated money.