Agu Bertram - Academia.edu (original) (raw)

Papers by Agu Bertram

NG-Journal of Social Development, 2016

This research examined the challenges of sustainability of agency banking in Nigeria (A study of ... more This research examined the challenges of sustainability of agency banking in Nigeria (A study of selected commercial banks). Following the inauguration of mobile and agency banking in the financial sector, affordable and convenient banking products and services are accessible to the majority of the populace who reside in the hinterlands but not captured by the system. Specifically, the study sought to: (i) investigate the effect of security on sustainability of agency banking, (ii) determine the extent to which liquidity affect sustainability of agency banking, and (iii) assess the extent regulations have affected sustainability of agency banking. The research adopted descriptive survey that necessitated use of questionnaire to generate data.. Data analysis was done using simple distribution tables of frequency and percentages. The results revealed that unavailability of liquidity in the agency banking outlets affected sustainability of operational performance, absence of serious armed robbery attacks but the agents felt insecure in their workplaces, and limited network accessibility in remote locations is amongst the challenges facing sustainability of agency banking in Nigeria. The study recommends the need for intensified enlightening campaigns about the activities of agency banking as sustainable financial inclusion strategy.

Journal of Policy and Development Studies, 2016

This study sought to investigate microfinance institutions (MFIs) as a vehicle for empowerment of... more This study sought to investigate microfinance institutions (MFIs) as a vehicle for empowerment of the rural women and the urban poor. Part of the efforts of most governments seems to be geared towards narrowing the income gap between the urban and the rural sectors through breaking the cycle of unemployment, economic stagnation and poverty The specific objectives of the study sought to: (i) determine how rural women and the urban poor could be organized to benefit from microcredit of the microfinance institutions and (ii) examine how to reduce or eliminate the inherent challenges associated with accessing microcredit from microfinance institutions. The study is a survey study comprised rural women of Nachi and Amokwe towns both in Udi Local Government Area of Enugu State, while the urban poor were drawn from Achara Layout and Maryland towns in Enugu South Local Government Area, also of Enugu State. Data used in the study was collected through primary and secondary sources. The data was analyzed using descriptive statistical techniques. The findings of the study revealed that organization of the rural women and the urban poor into membership-based organizations such as street vendors, garment makers, shoe makers, waste pickers, construction day labourers etc could facilitate access to micro credits. The researchers recommended that the "decent work for all" campaign by United Nations Development Programme (UNDP) through special initiatives on the economic empowerment of working poor women in the informal sector of the economy should form an alliance with growing international movement of working poor women. This should be seen as dependable ally of decent work for all campaign. It is concluded that there is need for advocacy so that the playing ground can be level even for the poorest of the poor women.

The study examined the causes of financial access gender gap in Nigeria; with emphasis on Enugu S... more The study examined the causes of financial access gender gap in Nigeria; with emphasis on Enugu State Market Women Association. The objectives of the study among others are to ex-ray the implications of financial access gender gap, gender discrimination stereotyping, barriers to economic empowerment of women, and multiple gender roles in Nigeria. The study utilized descriptive survey research method which attempts to describe systematically a situation, problem, phenomenon, service or program and provide information about say an attitude towards an issue. The population size of the study was 2000 respondents from selected Enugu State Market Associations Women Wing. Four (4) branches of the market association women wing were systematically selected as follows; Ogbete Main market association women wing = 600 respondents, Abakpa Nike market association women wing = 500 respondents, Garikki market association women wing =500 respondents, Oye-emene market association women wing= 400 resp...

This study examine the implications of rising dept stock on sustainable economic growth in Nigeri... more This study examine the implications of rising dept stock on sustainable economic growth in Nigeria for the period 1986 to 2016. The Augmented Dickey Fuller(ADF) test was conducted for unit root test.

International Journal of Academic Research in Economics and Management Sciences, 2019

This study investigated the effect of fiscal deficit on selected macroeconomic variables in Niger... more This study investigated the effect of fiscal deficit on selected macroeconomic variables in Nigeria. Specifically the study examined the effects of fiscal deficit on Nigeria’s gross domestic product, determine the impact of fiscal deficit on the level of Money Supply in Nigeria, and ascertain the relationship between fiscal deficit and Inflation Rate in Nigeria. To achieve these objectives, the study employed various econometric techniques such as unit root test, Johansen co-integration, ordinary least square and granger causality test in which variations in the independent variables were regressed on the dependent variable using time series data from 1986-2018. Secondary data casing the time frame were collected from Central Bank of Nigeria statistical bulletin. The results of the analysis indicates that (i) Fiscal Deficit (FD) has positive and no significant effect on Gross Domestic Product (GDP) (ii)Fiscal Deficit (FD) has negative and no significant impact on Money Supply (MS) (...

Journal of Business Management and Economic Research

This paper appraised the responsiveness of economic growth to capital market development in Niger... more This paper appraised the responsiveness of economic growth to capital market development in Nigeria. Specifically, the study sought to, (i) determine the impact of market capitalization on Real Gross Domestic Product (RGDP) (ii) ascertain the effects of value of shares traded in the capital market on Real GDP and (iii) find out whether the total number of issues in the capital market impact on RGDP in Nigeria. The researchers adopted time series data from 1995-2016 which were drawn from Central Bank of Nigeria Statistical bulletin and stock exchange review reports. The analysis of data was done using descriptive statistics and ordinary least square (OLS) regression Technique. The result of the study shows that market capitalization was found to have negative relationship with Real Gross Domestic Product (GDP) in Nigeria. The study also reveals that there is limited contribution of the capital market to the development of industrial sector. The study recommended that there should be improvement on the declining market capitalization by encouraging investors to invest in the sector.

Journal of Policy and Development Studies

Journal of Policy and Development Studies

NG-Journal of Social Development, 2016

This research examined the challenges of sustainability of agency banking in Nigeria (A study of ... more This research examined the challenges of sustainability of agency banking in Nigeria (A study of selected commercial banks). Following the inauguration of mobile and agency banking in the financial sector, affordable and convenient banking products and services are accessible to the majority of the populace who reside in the hinterlands but not captured by the system. Specifically, the study sought to: (i) investigate the effect of security on sustainability of agency banking, (ii) determine the extent to which liquidity affect sustainability of agency banking, and (iii) assess the extent regulations have affected sustainability of agency banking. The research adopted descriptive survey that necessitated use of questionnaire to generate data.. Data analysis was done using simple distribution tables of frequency and percentages. The results revealed that unavailability of liquidity in the agency banking outlets affected sustainability of operational performance, absence of serious armed robbery attacks but the agents felt insecure in their workplaces, and limited network accessibility in remote locations is amongst the challenges facing sustainability of agency banking in Nigeria. The study recommends the need for intensified enlightening campaigns about the activities of agency banking as sustainable financial inclusion strategy.

Journal of Policy and Development Studies, 2016

This study sought to investigate microfinance institutions (MFIs) as a vehicle for empowerment of... more This study sought to investigate microfinance institutions (MFIs) as a vehicle for empowerment of the rural women and the urban poor. Part of the efforts of most governments seems to be geared towards narrowing the income gap between the urban and the rural sectors through breaking the cycle of unemployment, economic stagnation and poverty The specific objectives of the study sought to: (i) determine how rural women and the urban poor could be organized to benefit from microcredit of the microfinance institutions and (ii) examine how to reduce or eliminate the inherent challenges associated with accessing microcredit from microfinance institutions. The study is a survey study comprised rural women of Nachi and Amokwe towns both in Udi Local Government Area of Enugu State, while the urban poor were drawn from Achara Layout and Maryland towns in Enugu South Local Government Area, also of Enugu State. Data used in the study was collected through primary and secondary sources. The data was analyzed using descriptive statistical techniques. The findings of the study revealed that organization of the rural women and the urban poor into membership-based organizations such as street vendors, garment makers, shoe makers, waste pickers, construction day labourers etc could facilitate access to micro credits. The researchers recommended that the "decent work for all" campaign by United Nations Development Programme (UNDP) through special initiatives on the economic empowerment of working poor women in the informal sector of the economy should form an alliance with growing international movement of working poor women. This should be seen as dependable ally of decent work for all campaign. It is concluded that there is need for advocacy so that the playing ground can be level even for the poorest of the poor women.

The study examined the causes of financial access gender gap in Nigeria; with emphasis on Enugu S... more The study examined the causes of financial access gender gap in Nigeria; with emphasis on Enugu State Market Women Association. The objectives of the study among others are to ex-ray the implications of financial access gender gap, gender discrimination stereotyping, barriers to economic empowerment of women, and multiple gender roles in Nigeria. The study utilized descriptive survey research method which attempts to describe systematically a situation, problem, phenomenon, service or program and provide information about say an attitude towards an issue. The population size of the study was 2000 respondents from selected Enugu State Market Associations Women Wing. Four (4) branches of the market association women wing were systematically selected as follows; Ogbete Main market association women wing = 600 respondents, Abakpa Nike market association women wing = 500 respondents, Garikki market association women wing =500 respondents, Oye-emene market association women wing= 400 resp...

This study examine the implications of rising dept stock on sustainable economic growth in Nigeri... more This study examine the implications of rising dept stock on sustainable economic growth in Nigeria for the period 1986 to 2016. The Augmented Dickey Fuller(ADF) test was conducted for unit root test.

International Journal of Academic Research in Economics and Management Sciences, 2019

This study investigated the effect of fiscal deficit on selected macroeconomic variables in Niger... more This study investigated the effect of fiscal deficit on selected macroeconomic variables in Nigeria. Specifically the study examined the effects of fiscal deficit on Nigeria’s gross domestic product, determine the impact of fiscal deficit on the level of Money Supply in Nigeria, and ascertain the relationship between fiscal deficit and Inflation Rate in Nigeria. To achieve these objectives, the study employed various econometric techniques such as unit root test, Johansen co-integration, ordinary least square and granger causality test in which variations in the independent variables were regressed on the dependent variable using time series data from 1986-2018. Secondary data casing the time frame were collected from Central Bank of Nigeria statistical bulletin. The results of the analysis indicates that (i) Fiscal Deficit (FD) has positive and no significant effect on Gross Domestic Product (GDP) (ii)Fiscal Deficit (FD) has negative and no significant impact on Money Supply (MS) (...

Journal of Business Management and Economic Research

This paper appraised the responsiveness of economic growth to capital market development in Niger... more This paper appraised the responsiveness of economic growth to capital market development in Nigeria. Specifically, the study sought to, (i) determine the impact of market capitalization on Real Gross Domestic Product (RGDP) (ii) ascertain the effects of value of shares traded in the capital market on Real GDP and (iii) find out whether the total number of issues in the capital market impact on RGDP in Nigeria. The researchers adopted time series data from 1995-2016 which were drawn from Central Bank of Nigeria Statistical bulletin and stock exchange review reports. The analysis of data was done using descriptive statistics and ordinary least square (OLS) regression Technique. The result of the study shows that market capitalization was found to have negative relationship with Real Gross Domestic Product (GDP) in Nigeria. The study also reveals that there is limited contribution of the capital market to the development of industrial sector. The study recommended that there should be improvement on the declining market capitalization by encouraging investors to invest in the sector.

Journal of Policy and Development Studies

Journal of Policy and Development Studies