Abstract: The main purpose of this study is to find out, analyze and discuss basic principles of education and training in the constitutions, including the latest amendment, of France, Indonesia, Japan, South Africa, the United States of America, and Turkey. This research specifically aims at establishing a framework in order to compare educational values such as right of education, responsibilities of states and those of people, and other issues pertaining to education in the Constitution of Turkey to others. Additionally, it emphasizes the meaning of education in constitution, the reasons for references to education in constitutions and why it is important for people, states or nations and state organs. Qualitative analysis technique is performed to accomplish the aim of this study. Maximum variation sampling is used. The main data source of the analysis is official organic laws of those countries. The data is examined by using descriptive and content analysis method.
Abstract: The objective of this study is to uncover the basic business-forces that necessitated the survival and sustainable performance of the medium scale contractors in the South African construction market. This study is essential as it set to contribute towards long-term strategic solutions for combating the incessant failure of start-ups construction organizations within South African. The study used a qualitative research methodology; as the most appropriate approach to elicit and understand, and uncover the phenomena that are basic business-forces for the active contractors in the market. The study also adopted a phenomenological study approach; and in-depth interviews were conducted with 20 medium scale contractors in Port Elizabeth, South Africa, between months of August to October 2015. This allowed for an in-depth understanding of the critical and basic business-forces that influenced their survival and performance beyond the first five years of business operation. Findings of the study showed that for potential contractors (startups), to survival in the competitive business environment such as construction industry, they must possess the basic business-forces. These forces are educational knowledge in construction and business management related disciplines, adequate industrial experiences, competencies and capabilities to delivery excellent services and products as well as embracing the spirit of entrepreneurship. Convincingly, it can be concluded that the strategic approach to minimize the endless failure of startups construction businesses; the potential construction contractors must endeavoring to access and acquire the basic educationally knowledge, training and qualification; need to acquire industrial experiences in collaboration with required competencies, capabilities and entrepreneurship acumen. Without these basic business-forces as been discovered in this study, the majority of the contractors gaining entrance in the market will find it difficult to develop and grow a competitive and sustainable construction organization in South Africa.
Abstract: Water is a very rare natural resource in South Africa. Ga-Selati River is used for both domestic and industrial purposes. This study was carried out in order to assess the quality of Ga-Selati River in a mining area of Limpopo Province-Phalaborwa. The pH, Electrical Conductivity (EC) and Total Dissolved Solids (TDS) were determined using a Crinson multimeter while turbidity was measured using a Labcon Turbidimeter. The concentrations of Al, Ca, Cd, Cr, Fe, K, Mg, Mn, Na and Pb were analysed in triplicate using a Varian 520 flame atomic absorption spectrometer (AAS) supplied by PerkinElmer, after acid digestion with nitric acid in a fume cupboard. The average pH of the river from eight different sampling sites was 8.00 and 9.38 in wet and dry season respectively. Higher EC values were determined in the dry season (138.7 mS/m) than in the wet season (96.93 mS/m). Similarly, TDS values were higher in dry (929.29 mg/L) than in the wet season (640.72 mg/L) season. These values exceeded the recommended guideline of South Africa Department of Water Affairs and Forestry (DWAF) for domestic water use (70 mS/m) and that of the World Health Organization (WHO) (600 mS/m), respectively. Turbidity varied between 1.78-5.20 and 0.95-2.37 NTU in both wet and dry seasons. Total hardness of 312.50 mg/L and 297.75 mg/L as the concentration of CaCO3 was computed for the river in both the wet and the dry seasons and the river water was categorised as very hard. Mean concentration of the metals studied in both the wet and the dry seasons are: Na (94.06 mg/L and 196.3 mg/L), K (11.79 mg/L and 13.62 mg/L), Ca (45.60 mg/L and 41.30 mg/L), Mg (48.41 mg/L and 44.71 mg/L), Al (0.31 mg/L and 0.38 mg/L), Cd (0.01 mg/L and 0.01 mg/L), Cr (0.02 mg/L and 0.09 mg/L), Pb (0.05 mg/L and 0.06 mg/L), Mn (0.31 mg/L and 0.11 mg/L) and Fe (0.76 mg/L and 0.69 mg/L). Results from this study reveal that most of the metals were present in concentrations higher than the recommended guidelines of DWAF and WHO for domestic use and the protection of aquatic life.
Abstract: Despite the benefits of innovation diffusion in the
South African public service, implementation thereof seems to be
problematic, particularly with regard to e-governance which would
enhance the quality of service delivery, especially accessibility,
choice, and mode of operation. This paper reports on differences
between the public service and the private sector in terms of
innovation diffusion. Innovation diffusion will be investigated to
explore identified obstacles that are hindering successful
implementation of e-governance. The research inquiry is underpinned
by the diffusion of innovation theory, which is premised on the
assumption that innovation has a distinct channel, time, and mode of
adoption within the organisation. A comparative thematic document
analysis was conducted to investigate organisational differences with
regard to innovation diffusion. A similar approach has been followed
in other countries, where the same conceptual framework has been
used to guide document analysis in studies in both the private and the
public sectors. As per the recommended conceptual framework, three
organisational characteristics were emphasised, namely the external
characteristics of the organisation, the organisational structure, and
the inherent characteristics of the leadership. The results indicated
that the main difference in the external characteristics lies in the
focus and the clientele of the private sector. With regard to
organisational structure, private organisations have veto power,
which is not the case in the public service. Regarding leadership,
similarities were observed in social and environmental responsibility
and employees’ attitudes towards immediate supervision. Differences
identified included risk taking, the adequacy of leadership
development, organisational approaches to motivation and
involvement in decision making, and leadership style. Due to the
organisational differences observed, it is recommended that
differentiated strategies be employed to ensure effective innovation
diffusion, and ultimately e-governance. It is recommended that the
results of this research be used to stimulate discussion on ways to
improve collaboration between the mentioned sectors, to capitalise on
the benefits of each sector.
Abstract: This research provides a technical account of
estimating Transition Probability using Time-homogeneous Markov
Jump Process applying by South African HIV/AIDS data from the
Statistics South Africa. It employs Maximum Likelihood Estimator
(MLE) model to explore the possible influence of Transition
Probability of mortality cases in which case the data was based on
actual Statistics South Africa. This was conducted via an integrated
demographic and epidemiological model of South African HIV/AIDS
epidemic. The model was fitted to age-specific HIV prevalence data
and recorded death data using MLE model. Though the previous
model results suggest HIV in South Africa has declined and AIDS
mortality rates have declined since 2002 – 2013, in contrast, our
results differ evidently with the generally accepted HIV models
(Spectrum/EPP and ASSA2008) in South Africa. However, there is
the need for supplementary research to be conducted to enhance the
demographic parameters in the model and as well apply it to each of
the nine (9) provinces of South Africa.
Abstract: The aim of this research is to understand how the
emerging power bloc BRICS employs infrastructure development
narratives to construct a new world order. BRICS is an international
body consisting of five emerging countries that collaborate on
economic and political issues: Brazil, Russia, India, China, and South
Africa. This study explores the projection of infrastructure
development narratives through an analysis of BRICS’ attention to
infrastructure investment and financing, its support of the New
Partnership on African Development and the establishment of the
New Development Bank in Shanghai. The theory of Strategic
Narratives is used to explore BRICS’ commitment to infrastructure
development and to distinguish three layers: system narratives
(BRICS as a global actor to propose development reform), identity
narratives (BRICS as a collective identity joining efforts to act upon
development aspirations) and issue narratives (BRICS committed to a
range of issues of which infrastructure development is prominent).
The methodology that is employed is a narrative analysis of BRICS’
official documents, media statements, and website imagery. A
comparison of these narratives illuminates tensions at the three layers
and among the five member states. Identifying tensions among
development infrastructure narratives provides an indication of how
policymaking for infrastructure development could be improved.
Subsequently, it advances BRICS’ ability to act as a global actor to
construct a new world order.
Abstract: Motion response of floating structures is of great
concern in marine engineering. Nonlinearity is an inherent property
of any floating bodies subjected to irregular waves. These floating
structures are continuously subjected to environmental loadings from
wave, current, wind etc. This can result in undesirable motions of the
vessel which may challenge the operability. For a floating body to
remain in its position, it should be able to induce a restoring force
when displaced. Mooring is provided to enable this restoring force.
This paper discusses the hydrodynamic performance and motion
characteristics of an 8 point spread mooring system applied to a pipe
laying barge operating in the West African sea. The modelling of the
barge is done using a computer aided-design (CAD) software
RHINOCEROS. Irregular waves are generated using a suitable wave
spectrum. Both frequency domain and time domain analysis is done.
Numerical simulations based on potential theory are carried out to
find the responses and hydrodynamic performance of the barge in
both free floating as well as moored conditions. Initially, potential
flow frequency domain analysis is done to obtain the Response
Amplitude Operator (RAO) which gives an idea about the structural
motion in free floating state. RAOs for different wave headings are
analyzed. In the following step, a time domain analysis is carried out
to obtain the responses of the structure in the moored condition. In
this study, wave induced motions are only taken into consideration.
Wind and current loads are ruled out and shall be included in further
studies. For the current study, 2000 seconds simulation is taken. The
results represent wave induced motion responses, mooring line
tensions and identify critical mooring lines.
Abstract: This research work is an experimental study, through
development of an adhesive from Prosopis africana endosperm. The
prosopis seed for this work were obtained from Enugu State in the
South East part of Nigeria. The seeds were prepared by separating the
endosperm from the seed coat and cotyledon. Three methods were
used to separate them, which are acidic method, roasting method and
boiling method. 20g of seed were treated with different
concentrations (25, 40, 55, 70, and 85% w/w) at 100°C and constant
time (30 minutes), under continuous stirring with magnetic stirrer.
Also 20g of seed were treated with sulphuric acid of concentrations
40% w/w at 100°C with different time (10, 15, 20, 25, 30 minutes),
under continuous stirring with magnetic stirrer. Finally, 20g of seed
were treated with sulphuric acid of concentrations 40% w/w at
different temperature (20°C, 40°C, 60°C, 80°C, and 100°C) with
constant time (30 minutes), under continuous stirring with magnetic
stirrer. The whole endosperm extracted was adhesive. The physical
properties of the adhesive were determined (appearance, odour, taste,
solubility, pH, size, and binding strength). The percentage of the
adhesive yield makes the commercialization of the seed in Nigeria
possible and profitable. The very high viscosity attained at low
concentrations makes prosopis adhesive an excellent thickener in the
food industry.
Abstract: The research investigates the causes of unemployment
in Namibia, Nigeria and South Africa and the role of Capital
Accumulation in reducing the unemployment profile of these
economies as proposed by the post-Keynesian economics. This is
conducted through extensive review of literature on the NAIRU
models and focused on the post-Keynesian view of unemployment
within the NAIRU framework. The NAIRU (non-accelerating
inflation rate of unemployment) model has become a dominant
framework used in macroeconomic analysis of unemployment. The
study views the post-Keynesian economics arguments that capital
accumulation is a major determinant of unemployment.
Unemployment remains the fundamental socio-economic challenge
facing African economies. It has been a burden to citizens of those
economies. Namibia, Nigeria, and South Africa are great African
nations battling with high unemployment rates. The high
unemployment rate in the country led the citizens to chase away
foreigners in the country claiming that they have taken away their
jobs. The study proposes there is a strong relationship between
capital accumulation and unemployment in Namibia, Nigeria, and
South Africa, and capital accumulation is responsible for high
unemployment rates in these countries. For the economies to achieve
steady state level of employment and satisfactory level of economic
growth and development, there is need for capital accumulation to
take place. The countries in the study have been selected after a
critical research and investigations. They are selected based on the
following criteria; African economies with high unemployment rates
above 15% and have about 40% of their workforce unemployed. This
level of unemployment is the critical level of unemployment in
Africa as expressed by International Labour Organization (ILO). And
finally, the African countries experience a slow growth in their Gross
fixed capital formation. Adequate statistical measures have been
employed using a time-series analysis in the study and the results
revealed that capital accumulation is the main driver of
unemployment performance in the chosen African countries. An
increase in the accumulation of capital causes unemployment to
reduce significantly. The results of the research work will be useful
and relevant to federal governments and ministries, departments and
agencies (MDAs) of Namibia, Nigeria and South Africa to resolve
the issue of high and persistent unemployment rates in their
economies which are great burden that slows growth and
development of developing economies. Also, the result can be useful
to World Bank, African Development Bank and International Labour
Organization (ILO) in their further research and studies on how to
tackle unemployment in developing and emerging economies.
Abstract: Anogeissus leiocarpus (Combretaceae) is well known
for its medicinal uses in African traditional medicine, for treating
many human diseases mainly skin diseases and infections. Mycetoma
disease is a fungal and/ or bacterial skininfection, mainly cause by
Madurella mycetomatis fungus. This study was carried out in vitro to
investigate the antifungal activity of Anogeissus leiocarpus leaf
extracts against the isolated pathogenic Madurella mycetomatis, by
using the NCCLS modified method compared to Ketoconazole
standard drug, and MTT assay. The bioactive fraction was subjected
to chemical analysis implementing different chromatographic
analytical methods (TLC, HPLC, and LC-MS/MS). The results
showed significance antifungal activity of A. leiocarpus leaf extracts
against the isolated pathogenic M. mycetomatis, compared to negative
and positive controls. The chloroform fraction showed the highest
antifungal activity. The chromatographic analysis of the chloroform
fraction with the highest activity showed the presence of important
bioactive compounds such as ellagic and flavellagic acids derivatives,
flavonoids and stilbenoid, which are well known for their antifungal
activity.
Abstract: This paper discusses the thematic structure of Yoruba
popular music of Southwest Nigeria. It examines the use of themes
and variations in early and contemporary Juju music. The work is an
outcome of a research developed by the author in his doctoral studies
at the University of Lagos, Nigeria, with the aim of analyzing the
thematic and motivic developments in Yoruba popular genres.
Observations, interviews, live recordings and CDs were used as
methods for eliciting information. Field recordings and CDs of
selected musical samples were also transcribed and notated. The
research established the prevalent use of string of themes by Juju
musicians as a compositional technique in moving from one musical
section to another, as they communicate the verbal messages in their
song. These themes consist of the popular ‘call and response’ form
found in most African music, analogous to the western ‘subject and
answer’ style of the fugue or sonata form, although without the tonic–
dominant relations. Due to the short and repetitive form of African
melodies and rhythms, a theme is restated as a variation, where its
rhythmic and melodic motifs are stylistically developed and repeated,
but still retaining its recognizable core musical structure. The
findings of this study showed that Juju musicians generally often
employ a thematic plan where new themes are used to arrange the
songs into sections, and each theme is developed into variations in
order to further expand the music, eliminate monotony, and create
musical aesthetics, serving as hallmark of its musical identity. The
study established the musical and extra-musical attributes of the
genre, while recommending further research towards analyzing the
various compositional techniques employed in African popular
genres.
Abstract: Sub-Saharan Africa is described as the second fastest
growing in mobile phone penetration in the world more than in the
United States or the European Union. Mobile phones have been used
to provide a lot of opportunities to improve people’s lives in the
region such as in banking, marketing, entertainment, and paying for
various bills such as water, TV, and electricity. However, the
potential of mobile phones to enhance teaching and learning has not
been explored. This study presents an experience of developing and
delivering SMS based quiz questions used to assess mastery of
subject content knowledge of science and mathematics secondary
school teachers in Tanzania. The SMS quizzes were used as a follow
up support mechanism to 500 teachers who participated in a project
to upgrade subject content knowledge of teachers in science and
mathematics subjects in Tanzania. Quizzes of 10-15 questions were
sent to teachers each week for 8 weeks and the results were analyzed
using SPSS. Results show that teachers who participated in chemistry
and biology subjects have better performance compared to those who
participated in mathematics and physics subjects. Teachers reported
some challenges that led to poor performance, This research has
several practical implications for those who are implementing or
planning to use mobile phones in teaching and learning especially in
rural secondary schools in sub-Saharan Africa.
Abstract: Unemployment among the youth is a significant
problem in South Africa. Large corporations and the public sector
simply cannot create enough jobs. Too many youths in South Africa
currently do not consider entrepreneurship as an option in order to
become independent. Unlike the youth of the Netherlands, South
African youth prefer to find employment in the public or private
sector. The Netherlands has a much lower unemployment rate than
South Africa and the Dutch are generally very entrepreneurial. From
early on, entrepreneurship is considered a desirable career option in
the Netherlands. The purpose of this study was to determine whether
there is a difference in the perceptions of some Dutch and South
African students in terms of unemployment and entrepreneurship.
Questionnaires were distributed to students at the North West
University's Vaal Triangle campus in Vanderbijlpark in Gauteng,
South Africa and the Technical University of Delft in the
Netherlands. A descriptive statistical analysis approach was followed
and the means for the independent questions were calculated. The
results demonstrate that the Dutch students are not as concerned
about unemployment after completion of their studies as this is not as
significant a problem as it is in South Africa. Both groups had
positive responses towards the posed questions, but the South African
group felt more strongly about the issues. Both groups of students felt
that there was a need for more practical entrepreneurship training.
The South African education system should focus on practical
entrepreneurship training from a young age.
Abstract: Globally, many women are still disadvantaged when it
comes to business opportunities. Entrepreneurship development
programs, specifically designed to assist women entrepreneurs, are
assisting in solving this problem to a certain extent. The purpose of
this study is to identify the factors that motivate females to start their
own business. Females, from three different groups (2013, 2014 and
2015), who were all enrolled in a short learning program specifically
designed for women in early start-up stage or intending to start a
business, were asked what motivated them to start a business. The
results indicated that, from all three groups, the majority of the
women wanted to start a business to be independent and have
freedom and to add towards a social goal. The results further
indicated that in general, women would enter into entrepreneurship
activity due to pull factors rather than push factors.
Abstract: The education sector is constantly faced with rapid
changes in technologies in terms of ensuring that the curriculum is up
to date and in terms of making sure that students are aware of these
technological changes. This challenge can be seen as the motivation
for this study, which is to examine the factors affecting computing
students’ awareness of the latest Information Technologies (ICTs).
The aim of this study is divided into two sub-objectives which are:
the selection of relevant theories and the design of a conceptual
model to support it as well as the empirical testing of the designed
model. The first objective is achieved by a review of existing
literature on technology adoption theories and models. The second
objective is achieved using a survey of computing students in the four
universities of the KwaZulu-Natal province of South Africa. Data
collected from this survey is analyzed using Statistical package for
the Social Science (SPSS) using descriptive statistics, ANOVA and
Pearson correlations. The main hypothesis of this study is that there is
a relationship between the demographics and the prior conditions of
the computing students and their awareness of general ICT trends and
of Digital Switch Over (DSO) a new technology which involves the
change from analog to digital television broadcasting in order to
achieve improved spectrum efficiency. The prior conditions of the
computing students that were considered in this study are students’
perceived exposure to career guidance and students’ perceived
curriculum currency. The results of this study confirm that gender,
ethnicity, and high school computing course affect students’
perceived curriculum currency while high school location affects
students’ awareness of DSO. The results of this study also confirm
that there is a relationship between students prior conditions and their
awareness of general ICT trends and DSO in particular.
Abstract: South Africa is in its post-industrial era moving from
the primary and secondary sector to the tertiary sector. The study
investigated the impact of the disaggregated energy consumption
(coal, oil, and electricity) on the primary, secondary and tertiary
sectors of the economy between 1980 and 2012 in South Africa.
Using vector error correction model, it was established that South
Africa is an energy dependent economy, and that energy (especially
electricity and oil) is a limiting factor of growth. This implies that
implementation of energy conservation policies may hamper
economic growth. Output growth is significantly outpacing energy
supply, which has necessitated load shedding. To meet up the excess
energy demand, there is a need to increase the generating capacity
which will necessitate increased investment in the electricity sector as
well as strategic steps to increase oil production. There is also need to
explore more renewable energy sources, in order to meet the growing
energy demand without compromising growth and environmental
sustainability. Policy makers should also pursue energy efficiency
policies especially at sectoral level of the economy.
Abstract: The aim of this paper is to analyze the impact of
literature review software on researchers. The aim of this study was
achieved by analyzing models in terms of perceived usefulness,
perceived ease of use, and acceptance level. Collected data were
analyzed using WarpPLS 4.0 software. This study used two
theoretical frameworks, namely, Technology Acceptance Model and
the Training Needs Assessment Model. The study was experimental
and was conducted at a public university in South Africa. The results
of the study showed that acceptance level has a high impact on
research productivity followed by perceived usefulness and perceived
ease of use.
Abstract: The traditional rhythms of the West African country
of Guinea have played a centuries-long role in defining the different
people groups that make up the country. Throughout their history,
before and since colonization by the French, the different ethnicities
have used their traditional music as a distinct part of their historical
identities. That is starting to change. Guinea is an impoverished
nation created in the early twentieth-century with little regard for the
history and cultures of the people who were included. The traditional
rhythms of the different people groups and their heritages have
remained. Fifteen individual traditional Guinean rhythms were
chosen to represent popular rhythms from the four geographical
regions of Guinea. Each rhythm was traced back to its native village
and video recorded on-site by as many different local performing
groups as could be located. The cyclical patterns rhythms were
transcribed via a circular, spatial design and then copied into a box
notation system where sounds happening at the same time could be
studied. These rhythms were analyzed for their consistency-overperformance
in a Fundamental Rhythm Pattern analysis so rhythms
could be compared for how they are changing through different
performances. The analysis showed that the traditional rhythm
performances of the Middle and Forest Guinea regions were the most
cohesive and showed the least evidence of change between
performances. The role of music in each of these regions is both
limited and focused. The Coastal and High Guinea regions have
much in common historically through their ethnic history and
modern-day trade connections, but the rhythm performances seem to
be less consistent and demonstrate more changes in how they are
performed today. In each of these regions the role and usage of music
is much freer and wide-spread. In spite of advances being made as a
country, different ethnic groups still frequently only respond and
participate (dance and sing) to the music of their native ethnicity.
There is some evidence that this self-imposed musical barrier is
beginning to change and evolve, partially through the development of
better roads, more access to electricity and technology, the nationwide
Ebola health crisis, and a growing self-identification as a
unified nation.
Abstract: Objectives: To determine the nutritional status and
risk factors associated with women practicing geophagia in QwaQwa,
South Africa. Materials and Methods: An observational epidemiological study
design was adopted which included an exposed (geophagia) and nonexposed
(control) group. A food frequency questionnaire, anthropometric measurements and blood sampling were applied to
determine nutritional status of participants. Logistic regression
analysis was performed in order to identify factors that were likely to
be associated with the practice of geophagia. Results: The mean total energy intake for the geophagia group (G)
and control group (C) were 10324.31 ± 2755.00 kJ and 10763.94 ±
2556.30 kJ respectively. Both groups fell within the overweight
category according to the mean Body Mass Index (BMI) of each
group (G= 25.59 kg/m2; C= 25.14 kg/m2). The mean serum iron
levels of the geophagia group (6.929 μmol/l) were significantly lower
than that of the control group (13.75 μmol/l) (p = 0.000). Serum
transferrin (G=3.23g/l; C=2.7054g/l) and serum transferrin saturation
(G=8.05%; C=18.74%) levels also differed significantly between
groups (p=0.00). Factors that were associated with the practice of
geophagia included haemoglobin (Odds ratio (OR):14.50), serumiron
(OR: 9.80), serum-ferritin (OR: 3.75), serum-transferrin (OR:
6.92) and transferrin saturation (OR: 14.50). A significant negative
association (p=0.014) was found between women who were wageearners
and those who were not wage-earners and the practice of
geophagia (OR: 0.143; CI: 0.027; 0.755). These findings seem to
indicate that a permanent income may decrease the likelihood of
practising geophagia. Key Findings: Geophagia was confirmed to be a risk factor for
iron deficiency in this community. The significantly strong
association between geophagia and iron deficiency emphasizes the
importance of identifying the practice of geophagia in women,
especially during their child bearing years.
Abstract: A teeming set of doctors that graduated from various
universities within and outside Nigeria with the hope of practicing in
the country, has their hope shattered because of poor financing, lack
of medical equipments and a very weak healthcare systems. Such
hydra headed challenges, allows room for quackery which
increasingly contributes to the cause of mortality in Nigeria. With a
view of reversing the challenges of healthcare delivery and financing
in Nigeria, African Health Market for Equity (AHME), a project
funded by the Bill and Melinda Gates foundation [With contribution
from Department For International Development (DFID)] and
currently implemented in three African Countries (Nigeria, Kenya
and Ghana) over a Five (5) year period supports the healthcare sector
via Medical credit fund (MCF). The study examines the impact of
credit policy and medical credit funding on Nigerian health market.
Ordinary least square analysis, correlation and granger causality tests
were employed to measure the extent to which the Nigerian
healthcare market has been influenced. Medical credit fund
significantly and positively influenced average monthly turnover of
private healthcare providers and Commercial bank’s lending rate had
a weak relationship with access to credit/approved loans (13.46%).
The programme has so far made 13.91% progress, which is very
poor, considering the minimum targeted private health care providers
(437.6) and expected number of loan approvals (180.4) for the two
years. Medical credit policy in Nigeria should be revised to include
private healthcare providers in rural area for more positive impact
and increased returns. Good brand advert and sensitization of the
programme to stakeholders and health pressure group, and an
extension of the programme beyond five years is necessary to better
address the issues raised in the study.