IBRAHIM DANJUMA | Modibbo Adama University of Technology, Yola (original) (raw)

Papers by IBRAHIM DANJUMA

This study attempts to establish the relationship that exists between capital structure, cash man... more This study attempts to establish the relationship that exists between capital structure, cash management and liquidity in some selected small and medium enterprises in Jimeta, Adamawa State, Nigeria. It also investigates the mediating effect of cash management in the association of capital structure and liquidity. A total of 365 copies of questionnaire were administered to 366 small and medium scale enterprise but a total 310 copies of questionnaire were returned fully and appropriately filled. The study made use of but primary and secondary method in collecting data. A cluster sampling method was used in this study and purposive sampling was also used to choose units of analysis in all clusters. Descriptive and inferential statistic such as frequencies mean, and standard deviation including Pearson's correlation coefficient, multiple regression and sobel test were employed to obtain results. The results indicate that there is a positive significant relationship between capital structure and cash management, capital structure and liquidity, liquidity and cash management at a correlation of 0.657, 0.657 and 0.640 respectively, significant at 0.01 level (2-tailed) and df = 309. To support the correlation analysis, the regression analysis was also used to see the variability in the relationship and it indicates that 43.1% and 43% of the variability in both cash management and liquidity can be explained by the capital structure of the firm and also 41% of the variability in liquidity can be explained by cash management. The sobel test and the Kenny and Baron approach were used to test the mediating effect of cash management in the relationship between capital structure and liquidity and it indicate a partial mediation between the variables. A single research methodology approach was used and the findings from this research are cross sectional, future research through other methods could be undertaken to triangulate and also should be taken across time. The study recommends that chief financial officers exercise caution while choosing the amount of debt to use in their capital structure since a positive relationship exist between capital structure, liquidity and cash management.

This study offers an overview of the theoretical foundations for explaining tax compliance behavi... more This study offers an overview of the theoretical foundations for explaining tax compliance behavior. The interest generated by the subject matter of tax compliance behavior has led to identification of several factors that are believed to influence individual tax compliance decision. These factors have been compressed into several models/theories providing insights into the subject matter. This study reviewed five prominent theories/models that have been used to explain compliance via-economic deterrence; socio-psychology; fiscal exchange; comparative treatment; and political legitimacy. The study noted that there is no 'one model fits all' for explaining tax compliance behavior, and further concludes that individual tax compliance is influenced by both economic and non-economic factors. As such, tax administrators as well as researchers on the subject matter should combine relevant models and incorporate these factors into developing effective tax systems.

The evolution of information technology (IT) has made students' needs for information services to... more The evolution of information technology (IT) has made students' needs for information services to change, which inevitably puts pressure on academic libraries, to work towards improving service quality and customer satisfaction in order to face competition in global higher education industry whilst meeting the specific information needs of users. Students who constitute major users of academic libraries in universities often consider library's service quality based its ability to meet or even exceed their expectations prior to enrolment, thus, influencing their overall perceptions of the overall service quality of the institution necessitating a review of quality issues associated with services of academic libraries in universities. Therefore this study, explored both expectations and perceptions of students on the service quality of the central academic library in a Nigerian technological university. Data for this study was collected by means of qualitative interview. Fifty final year undergraduate students organised into 10 focus groups of 6 each, drawn from faculties of engineering, management and science participated in the focus group discussion. This study reveals five factors: technology, facilities, currency of collections and materials, environment and professionalism as relevant in explaining both expectations and perceptions of students with regards to service quality dimensions of academic libraries in technological universities. Managerial implications, limitations and suggestions for further research were presented accordingly.

This study investigates the effect of credit risk management on customer satisfaction in tier-one... more This study investigates the effect of credit risk management on customer satisfaction in tier-one deposits money banks (DMBs) in Adamawa state, Nigeria. The objectives of the study were to examine relationship between credit risk management and customers' satisfaction and to assess the relationship between credit risk management and credit appraisal process. The study surveyed 384 selected customers from three tier-one DMBs in Adamawa state, Nigeria. Purposive sampling was used in selecting the banks and simple random sampling was used in administering the questionnaire to the customers. Descriptive and inferential statistics were used to analyze and interpret the data collected. The study found that there is positive and significant relationship between credit risk management and customer satisfaction and the regression results showed that 49% of the variability in customer satisfaction can be explained by credit risk management. The study also found significant positive correlation between credit appraisal process and credit risk management, with 81% of the variability in credit appraisal process explained by credit risk management. The study recommends that despite the positive relationship between credit risk management and customer satisfaction, there is need for banks' management to pay attention to other factors that will contribute to customer satisfaction other than granting of credit facilities. At intervals, Banks should conduct seminars or training to update their staff on current credit guidelines issued by the regulatory authorities to enhance their knowledge on credit risk management with a view of ensuring customer satisfaction.

Innovation, which hitherto, was used as a term to exclusively explain development in new technolo... more Innovation, which hitherto, was used as a term to exclusively explain development in new technologies in the manufacturing sector, has now found an increasing usage and application in the service sector.. The advent of globalisation, has led to demographic changes and changes in technology. Similarly, service innovation has become significant and pose challenges not only to profit-oriented businesses, but also to non-profit organisations like higher education institutions, thus, requiring a 'disruptive' approach to innovation in the sector, with a view of targeting new customer groups, as well as enhancing service quality excellence to ensure satisfaction. Often, innovation creates large pool of new customers, such as new students in the case of higher education institutions and fulfilling the new expectations of current customers. Therefore, this conceptual paper seek to look at issues connected to service innovation, its characteristics and implications within the context of higher education institutions, particularly technological universities, so that new value propositions can be developed and utilised for service quality enhancement, positioning and gaining competitive advantage in the higher education marketplace. Conclusions were made regarding the implication for service innovation in fostering customer satisfaction.

This study aims to verify the dimensionality of service quality within the context of Nigerian te... more This study aims to verify the dimensionality of service quality within the context of Nigerian technological universities. Data for this study was collected from five public federal universities which are technology-oriented in Nigeria based on an adapted service quality questionnaire (ADSERVQUAL) from the original studies by Parasuraman et al. (1985, 1988). Respondents were students drawn from all faculties: engineering, management technology, environmental technology, science education, agricultural technology, pure and applied sciences and postgraduate studies. Factor analysis result gave rise to four dimensions from the 27 items of the ADSERVQUAL questionnaire, instead of the original five dimensions by Parasuraman et al. (1985, 1988). For this study, the four dimensions are named: empathy, tangibles, commitment and reliability. Dimensional analysis shows that students' expectations were perceived to be higher than their perceptions of service quality, resulting to negative service quality perception. Therefore technological universities in Nigeria should strive towards reversing the negative perception of service quality by students in order to improve attachment. Managerial implication and suggestions for future research were made accordingly. Abstrak Kajian ini bertujuan untuk mengesahkan dimensi kualiti perkhidmatan dalam konteks universiti yang berasaskan teknologi di Nigeria. Data untuk kajian ini telah diperolehi daripada lima universiti awam yang berasaskan teknologi di Nigeria berdasarkan asal soal selidik kualiti perkhidmatan yang telah diubahsuaikan (ADSERVQUAL) dari kajian asal oleh Parasuraman et al. (1985, 1988). Responden terdiri daripada pelajar yang dipilih dari semua fakulti: kejuruteraan, pengurusan teknologi, teknologi alam sekitar, pendidikan, sains teknologi pertanian, sains tulen dan gunaan dan pengajian siswazah. Faktor analisis telah berjaya menghasilkan empat dimensi daripada 27 item soalselidik ADSERVQUAL, bukan lima dimensi asal yang diperolehi oleh Parasuraman et al. (1985,1988). Untuk kajian ini, empat dimensi ini dinamakan: empati, tangibel, komitmen dan kebolehpercayaan. Analisis dimensi menunjukkan bahawa jangkaan pelajar dilihat lebih tinggi daripada persepsi mereka terhadap kualiti perkhidmatan, menyebabkan persepsi kualiti perkhidmatan yang negatif. Oleh itu, universiti yang berasaskan teknologi di Nigeria seharusnyaberusaha untuk menukar persepsi negatif oleh pelajar mereka untuk meningkatkan tahap kesetiaan. Implikasi pengurusann dan cadangan untuk kajian lanjutan diberikan.

Students' enrollment into private universities is becoming highly competitive, thereby forcing un... more Students' enrollment into private universities is becoming highly competitive, thereby forcing universities to develop strategies that will not only retain current students but also prospective students' enrollment decision. This study examined the relationship between customer service and student enrollment in a leading Nigerian private university, as well as the readiness of the already enrolled students to make recommendations about the private university to others. A survey of 125 undergraduate students of American University of University (AUN), Yola was conducted in order to find out the dimensions that are considered important by students in their enrolment decision, and the relationship between the services offered by the university and enrollment decision. Pearson's correlation analysis was used to test the relationship between customer service and students' enrolment as hypothesized in the study. It was found that faculty expertise, friendly attitude by faculty and staff, convenience, accessibility and environment are the favourable dimensions regarded by students as constituting good customer service that influence enrolment into private universities. Overall, the study found a significant positive relationship between customer service and students' enrolment decision. The study showed that customer relation has great impact on the enrolment of students into private universities in Nigeria as well as making favourable word-of-mouth recommendations to future enrollees. The study recommends that private universities should incorporate a greater customer care orientation into their strategic planning and frequently revise working relations tools to determine their effectiveness in order to have a competitive advantage and gain a big market share of the higher education industry.

To achieve the twin objectives of satisfaction and loyalty, service quality in the university sec... more To achieve the twin objectives of satisfaction and loyalty, service quality in the university sector needs to be evaluated from both the internal (customers) and external (service providers) perspectives. Against this background, this article reviewed issues involved in service quality in universities from the customer satisfaction and attachment points of view, taking students as primary customers, especially in technology-based universities in Nigeria. The review noted that, service quality and customer satisfaction has direct relationship, because the students' expectations of a university education are skewed towards learning experiences and individual preferences, implying students' enrolment decision depends on the service encounters relating to factors like support facilities and infrastructure, image and marketing, academic issues, administrative issues, location and access.

The objective of this article was to discuss the roles of higher education institutions towards a... more The objective of this article was to discuss the roles of higher education institutions towards a knowledge-based Nigerian economy in the fast changing globalised economy. In achieving this objective, issues that drive knowledge in developed countries and the need for Nigeria to adopt a knowledge-based approach to economic development were examined. Suggestions on strategies for developing a knowledge-driven economy were offered accordingly.

This paper examined customers' perception towards non-interest banking services of deposit money ... more This paper examined customers' perception towards non-interest banking services of deposit money banks in Jimeta, Adamawa state, Nigeria. The study sought to examine whether knowledge influences the perception of customers towards non-interest banking services of Deposit Money Banks (DMBs) in Jimeta metropolis, Adamawa state and determine whether there are differences in perception of customers towards Non-Interest Banking Services (NIBS) based on gender, educational qualification and religion. The study used a total of 450 copies of a well-structured questionnaire, administered on customers of three selected Deposits Money Banks in Adamawa state. A total of 371 copies of the questionnaire were returned and appropriately filled. The study made use of both descriptive and inferential statistics to obtain results. The findings revealed that knowledge has a significant positive influence on the perception of customers towards non-interest banking services of banks as F-statistic =46.98 at 0.05 significant level. The results also indicate that there is no significant difference in perception of customers based on gender, educational qualification and religion. The study recommends that DMBs should initiate programmes aimed at sensitizing and educating people about non-interest banking. Such enlightenment will help eliminate people's misconception of the subject.The Central Bank of Nigeria should play more active and pragmatic role in ensuring that the staff handling non-interest services receive the relevant and required training, in order to facilitate the rapid growth of the industry.