Abstract: In Nigeria, enormous efforts/resources had, over the years, been expended on promoting financial inclusion (FI); however, it is seemingly discouraging that many of its self-declared targets on FI remained unachieved, especially amongst the Rural Dwellers and Actors in the Informal Sectors (RDAIS). Expectedly, many reasons had been earmarked for these failures: low literacy level, huge informal/rural sectors etc. This study posits that in spite of these truly-debilitating factors, these FI policy failures could have been avoided or mitigated if the principles of active and better-managed citizens’ participation had been strictly followed in the (re)design/implementation of its FI policies. In other words, in a bid to mitigate the prevalent financial exclusion (FE) in Nigeria, this study hypothesizes the significant positive impact of involving the RDAIS in policy-wide decision making in the FI domain, backed by a preliminary empirical validation. Also, the study introduces the RDAIS-focused Participatory Financial Inclusion Policy (PFIP) as a major FI policy regeneration/improvement tool. The three categories of respondents that served as research subjects are FI experts in Nigeria (n = 72), RDAIS from the very rural/remote village of Unguwar Dogo in Northern Nigeria (n = 43) and RDAIS from another rural village of Sekere (n = 56) in the Southern region of Nigeria. Using survey design (5-point Likert scale questionnaires), random/stratified sampling, and descriptive/inferential statistics, the study often recorded independent consensus (amongst these three categories of respondents) that RDAIS’s active participation in iterative FI policy initiation, (re)design, implementation, (re)evaluation could indeed give improved FI outcomes. However, few questionnaire items also recorded divergent opinions and various statistically (in)significant differences on the mean scores of these three categories. The PFIP (or any customized version of it) should then be carefully integrated into the NFIS of Nigeria (and possibly in the NFIS of other developing countries) to truly/fully provide FI policy integration for these excluded RDAIS and arrest the prevalence of FE.
Abstract: The not so pleasing state of the nation's quality of education has been a major area of research. Many researchers have looked into various aspects of the educational system and organizational structure in relation to the quality of service delivery of the staff members. However, there is paucity of research in areas relating to the sense of competence and commitment in relation to leadership styles. Against this backdrop, this study investigated the impact of leadership style and sense of competence on the performance of post-primary school teachers in Oyo state Nigeria. Data were generated across public secondary schools in the city using survey design method. Ibadan as a metropolis has eleven local government areas contained in it. A systematic random sampling technique of the eleven local government areas in Ibadan was done and five local government areas were selected. The selected local government areas are Akinyele, Ibadan North, Ibadan North-East, Ibadan South and Ibadan South-West. Data were obtained from a range of two – three public secondary schools selected in each of the local government areas mentioned above. Also, these secondary schools are a representation of the variations in the constructs under consideration across the Ibadan metropolis. Categorically, all secondary school teachers in Ibadan were clustered into selected schools in those found across the five local government areas. In all, a total of 272 questionnaires were administered to public secondary school teachers, while 241 were returned. Findings revealed that transformational leadership style makes room for job commitment when compared with transactional and laissez-faire leadership styles. Teachers with a high sense of competence are more likely to demonstrate more commitment to their job than others with low sense of competence. We recommend that, it is important an assessment is made of the leadership styles employed by principals and school administrators. This guides administrators and principals in to having a clear, comprehensive knowledge of the style they currently adopt in the management of the staff and the school as a whole; and know where to begin the adjustment process from. Also to make an impact on student achievement, being attentive to teachers’ levels of commitment may be an important aspect of leadership for school principals.
Abstract: Transition from tertiary level education to employment is one of the challenges that many fresh university graduates face after graduation. The transition period or the waiting time to obtain the first employment varies with the socio-economic factors and the general characteristics of a graduate. Compared to other fields of study, Arts graduates in Sri Lanka, have to wait a long time to find their first employment. The objective of this study is to identify the determinants of the transition from higher education to employment of these graduates using survival models. The study is based on a survey that was conducted in the year 2016 on a stratified random sample of Arts graduates from Sri Lankan universities who had graduated in 2012. Among the 469 responses, 36 (8%) waiting times were interval censored and 13 (3%) were right censored. Waiting time for the first employment varied between zero to 51 months. Initially, the log-rank and the Gehan-Wilcoxon tests were performed to identify the significant factors. Gender, ethnicity, GCE Advanced level English grade, civil status, university, class received, degree type, sector of first employment, type of first employment and the educational qualifications required for the first employment were significant at 10%. The Cox proportional hazards model was fitted to model the waiting time for first employment with these significant factors. All factors, except ethnicity and type of employment were significant at 5%. However, since the proportional hazard assumption was violated, the lognormal Accelerated failure time (AFT) model was fitted to model the waiting time for the first employment. The same factors were significant in the AFT model as in Cox proportional model.
Abstract: Nursing is recognized as a stressful occupation and has indicated a probable high prevalence of distress. It is a helping profession requiring a high degree of commitment and involvement. If stress is intense, continuous and repeated, it becomes a negative phenomenon or "distress," which can lead to physical illness and psychological disorders. The frequency of common psychosomatic symptoms including sleeping problems, tension headache, chronic fatigue, palpitation etc. may be an indicator of nurses’ work-related stress level. Objectives of the study were to determine psychiatric morbidity among nurses and to find its association with selected variables. The study population consisted of 1040 registered nurses working in selected medical college hospitals and government hospitals of Udupi and Mangalore districts. Descriptive survey design was used to conduct the study. Subjects were selected by using purposive sampling. Data were gathered by administering background proforma and General Health questionnaire. Severe distress was experienced by 0.9% of nurses and 5.6% had some evidence of distress. Subjects who did not have any distress were 93.5%. No significant association between psychiatric morbidity in nurses and demographic variables was observed. With regard to work variables significant association is observed between psychiatric morbidity and total years of experience (z=10.67, p=0.03) and experience in current area of work (z=9.43, p=0.02).
Abstract: Some investors prefer to keep their money in the bank rather than invest in Small and Medium Enterprise (SME) due to the high cost of running small and medium scale enterprise in Enugu State. This cost primarily concerns multiple-taxation, enormous tax burdens, levies and charges. This study examines the effect of multiple-taxation on the investments in SMEs. The study used survey design with SME population of 80. Questionnaire was used to collect data. Simple percentages/frequencies were used to analyze the data and the research hypotheses were tested with ANOVA. It was found that multiple taxation has negative effect on SMEs investment. Furthermore, the relationship between SMEs investment and its ability to pay tax is significant. The researcher recommends that government should develop a tax policy that considers the enhancement of SMEs’ capital allowance when imposing taxes. Government should also consider a tax policy that encourages investment in SMEs by consolidating all taxes in one slot and latter disseminate to various government purses rather than having many closely related but different taxes at the same time.
Abstract: The purpose of the study was to examine lifelong
education for teachers as a tool for achieving effective teaching and
learning. Lifelong education enhances social inclusion, personal
development, citizenship, employability, teaching and learning,
community and the nation. It is imperative that the teacher needs to
update his knowledge regularly to be able to perform optimally, since
he has a major position in the inculcation of desirable elements in
students, and the challenges of lifelong education were also
discussed. Descriptive survey design was adopted for the study. A
simple random sampling technique was used to select 80 teachers as
sample from a population of 105 senior secondary school teachers in
Makurdi Local Government Area of Benue State. A 20-item self
designed questionnaire subjected to expert validation and reliability
was used to collect data. The reliability Alpha coefficient of 0.87 was
established using Cronbach’s Alpha technique, mean scores and
standard deviation were used to answer the 2 research questions
while chi-square was used to analyse data for the 2 null hypotheses,
which states that lifelong education for teachers is not a significant
tool for achieving effective teaching and lifelong education for
teachers does not significantly impact on effective learning. The
findings of the study revealed that, lifelong education for teachers can
be used as a tool for achieving effective teaching and learning, and
the study recommended among others that government, organizations
and individuals should in collaboration put lifelong education
programmes for teachers on the priority list. The paper concluded
that the strategic position of lifelong education for teachers towards
enhanced teaching, learning and the production of quality manpower
in the society makes it imperative for all hands to be on “deck” to
support the programme financially and otherwise.
Abstract: The psychological impact of peer influence on its
individual group members, can make them resist HIV/AIDS
counselling and testing. This study investigated the correlate of peer
influence and resistance to HIV/AIDS counselling and testing among
students in tertiary institutions in Kano state, Nigeria. To achieve
this, three null hypotheses were postulated and tested. Cross-
Sectional Survey Design was employed in which 1512 sample was
selected from a student population of 104,841.Simple Random
Sampling was used in the selection. A self-developed 20-item scale
called Peer Influence and Psychological Resistance Inventory
(PIPRI) was used for data collection. Pearson Product Moment
Correlation (PPMCC) via test-retest method was applied to estimate a
reliability coefficient of 0.86 for the scale. Data obtained was
analyzed using t-test and PPMCC at 0.05 level of confidence. Results
reveal 26.3% (397) of the respondents being influenced by their peer
group, while 39.8% showed resistance. Also, the t-tests and PPMCC
statistics were greater than their respective critical values. This shows
that there was a significant gender difference in peer influence and a
difference between peer influence and resistance to HIV/AIDS
counselling and testing. However, a positive relationship between
peer influence and resistance to HIV/AIDS counselling and testing
was shown. A major recommendation offered suggests the use of
reinforcement and social support for positive attitudes and
maintenance of safe behaviour among students who patronize
HIV/AIDS counselling.
Abstract: Missing data yields many analysis challenges. In case of complex survey design, in addition to dealing with missing data, researchers need to account for the sampling design to achieve useful inferences. Methods for incorporating sampling weights in neural network imputation were investigated to account for complex survey designs. An estimate of variance to account for the imputation uncertainty as well as the sampling design using neural networks will be provided. A simulation study was conducted to compare estimation results based on complete case analysis, multiple imputation using a Markov Chain Monte Carlo, and neural network imputation. Furthermore, a public-use dataset was used as an example to illustrate neural networks imputation under a complex survey design
Abstract: The incessant discomfort for Voluntary Counselling and Testing (VCT) exhibited by students in some tertiary institutions in Kano State, Nigeria is capable of causing Psychological Resistance as well as jeopardizing the purpose of HIV intervention. This study investigated the Prevalence of Psychological Resistance to VCT of HIV/AIDS among students of tertiary institutions in the state. Two null hypotheses were postulated and tested. Cross- Sectional Survey Design was employed in which 1512 sample was selected from a student population of 104,841 following Stratified Random Sampling technique. A self-developed 20-item scale whose reliability coefficient is 0.83 was used for data collection. Data analyzed via Chi-square and t-test reveals a prevalence of 38% with males (Mean=0.34; SD=0.475) constituting 60% and females (Mean=0.45; SD=0.498) 40%. Also, the calculated chi-square and ttest were not significant at 0.05 as such the null hypotheses were upheld. Recommendation offered suggests the use of reinforcement and social support for students who patronize HIV/AIDS counselling.
Abstract: A cross sectional survey design was used to collect
data from 370 diabetic patients. Two instruments were used in
obtaining data; in-depth interview guide and researchers- developed
questionnaire. Fisher's exact test was used to investigate association
between the identified factors and nonadherence. Factors identified
were: socio-demographic factors such as: gender, age, marital status,
educational level and occupation; psychosocial obstacles such as:
non-affordability of prescribed diet, frustration due to the restriction,
limited spousal support, feelings of deprivation, feeling that
temptation is inevitable, difficulty in adhering in social gatherings
and difficulty in revealing to host that one is diabetic; health care
providers obstacles were: poor attitude of health workers, irregular
diabetes education in clinics , limited number of nutrition education
sessions/ inability of the patients to estimate the desired quantity of
food, no reminder post cards or phone calls about upcoming patient
appointments and delayed start of appointment / time wasting in
clinics.