E. Isibor

This research delves into the realm of credit risk modeling within the life insurance sector. It setout with several objectives, including identifying effective methods for modeling credit risktailored to life insurance companies, evaluating the repercussions of credit risks on these insurers, investigating the advantages of extending credit to them, exploring the connection betweencreditpractices and the performance of insurers, and gauging the accessibility of credit facilities forinsurers. To conduct this investigation, a combination of descriptive and explanatory research designs wasemployed. Data collection encompassed the use of questionnaires and library research. Theprimary data sources consisted of responses gathered from 32 employees at AfricanAllianceInsurance Plc in Benin. Data analysis hinged on the chi-square statistical tool with a significancelevel set at 5%. The findings, displayed through frequency tables and percentages, unveiledthatinsurance companies grapple with substantial credit risks that have adverse effects ontheiroperations. Consequently, the study recommends that the Nigerian government and relevant stakeholdersshould collaborate to establish a credit model for insurance facilities that carries lower levelsof risk, in alignment with the insights derived from this research..

The aim of this study was to establish the effect and relationship between dividend policy and firm performance among selected quoted firms in Nigeria. In achieving the objective of the study, the study covered companies drawn across manufacturing sector of the Nigerian Stock Exchange Market from the period 2016-2024, evaluating the companies Leverage, Liquidity, Firm Size, and Firm age with two general methods of empirical analysis of data. The preliminary analysis (which comprises of descriptive and correlation analysis) of the data is first conducted to provide background analysis on the data that will generate the initial characterization of the data used in the study. Thereafter, the multiple regressions were conducted using the ordinary least square (OLS) method. The data were analyzed using E-view 0.8 econometric software. The finding was that Leverage (LEV) exerts a negative and strong relationship with Return on Asset (ROA) and the Firm’s Age was negative too but significant. This implies that age of a firm has a long way to impact on the returns of Asset of the firms. This implies that returns on shares may be favourable in the short run but in the long run may affect the investment opportunities of the firm. We now recommend that firm’s total assets (fixed and current) should be maximized to help facilitate appropriate earnings so as to increase shareholders wealth without any deception of increased income

This study explored the influence of corporate social responsibility (CSR) on the financial performance of deposit money banks (DMBs) in Nigeria. Specifically, the study investigates impact of CSR on Return on Assets (ROA), Return on Equity (ROE), and Net Profit Margin (NPM). It focused on four CSR dimensions: corporate governance, economic responsibility, ethical responsibility and philanthropic responsibility.

The study adopted an ex-post facto research design, utilizing secondary data obtained from The Annual Financial Reports of DMBs listed on the Nigerian Exchange Group (NGX) from 2011 to 2023. The analysis employed panel data estimation techniques, including fixed and random effects models, to determine the relationships between CSR practices and financial performance of deposit Money banks.

The findings indicated that economic responsibility had a significant positive effect on ROA, suggesting that DMBs that engage in value-creating activities such as offering innovative financial products and services, as well as supporting local economic development, tend to experience improved financial performance. Additionally, philanthropic responsibility, which includes community development initiatives, education support, and disaster relief efforts, was found to positively impact ROA, ROE and NIM enhancing brand reputation and customer loyality. Ethical responsibility, reflected in the adoption of transparent and fair business practices, also demonstrated a positive effect on financial performance by fostering trust and mitigating risk associated with legal and reputational issues. However, corporate governance was found to have no significant impact on ROA, indicating that governance practices may not directly influence the financial outcomes of Nigerian banks. Based on these findings, the study recommended that banks should priorities economic and philanthropic CSR activities, promote ethical business conduct, and enhance their corporate governance frameworks to improve performance. The results underline the importance of CSR in contributing to both financial success and socio-economic development in host communities.

This study reviewed the technology transformation and the growth of insurance industry in Nigeria. The study’s objective is to examine the effect of technology on products innovations in Nigeria insurance industry, to investigate the influence of technology on business operations of insurance companies in Nigeria, and to examine the role of technology on customers’ satisfaction in the insurance industry in Nigeria. The study employed a survey research design including frequency and percentages, data were primarily sourced through questionnaire distributed to 5 insurance firms in Benin City, and a total of fifty (50) were used for the analysis. The analysis revealed that there is a significant relationship between technology in product innovation and insurance industry transformation and growth, that there is a significant relationship between business operations and insurance industry transformation and growth.
but there was no significant relationship between customer satisfaction and insurance industry transformation and growth in Nigeria. The study recommended that the fostering of collaboration and partnerships, investing in technological infrastructure, promoting digital literacy and training, enhancing regulatory framework, and facilitating market research and knowledge sharing.

This study reviewed the technology transformation and the growth of insurance industryinNigeria. The study’s objective is to examine the ef ect of technology on products innovationsin Nigeria insurance industry, to investigate the influence of technology on business operationsof insurance companies in Nigeria, and to examine the role of technology on customers’ satisfactionin the insurance industry in Nigeria. The study employed a survey research design includingfrequency and percentages, data were primarily sourced through questionnaire distributedto5 insurance firms in Benin City, and a total of fifty (50) were used for the analysis. Theanalysis revealed that there is a significant relationship between technology in product innovation and insurance industry transformation and growth, that there is a significant relationship between business operations and insurance industry transformation andgrowth. but there was no significant relationship between customer satisfaction and insuranceindustry transformation and growth in Nigeria. The study recommended that the fosteringof collaboration and partnerships, investing in technological infrastructure, promotingdigital literacy and training, enhancing regulatory framework, and facilitating market researchandknowledge sharing.