Credit Risk Management and Performance of Selected Deposit Money Banks in Nigeria DOI Open Access

Ifeyinwa E. Law-Biaduo,

Kelechi Chijindu Nnamdi,

Uchenna U. Fort-Edward

и другие.

Asian Journal of Economics Business and Accounting, Год журнала: 2024, Номер 24(12), С. 277 - 287

Опубликована: Дек. 17, 2024

This study examined credit management and performance of selected Deposit Money Banks in Nigeria. The time series data was sourced from the audited financial statements banks. Non-performing Loans (NPLs), Loan-to-Deposit Ratio (LDR), Liquidity (LQR), Capital Adequacy (CAR) were used as a proxy management. In contrast, return on equity (ROE) to measure performance. stationarity tested using LLC, IPS, ADF PP tests. Using panel regression fixed effects random techniques, found that had positive significant effect MDB MDBs under reviewed period. From indicators, liquidity ratio (LQR) have but insignificant ROE. findings also revealed NPL has further capital adequacy negatively significantly affected Loan deposit (LDR) negative recommended, among other things, maintain stable meet obligations, banks should endeavor operate within CBN policy minimum requirement at 30%, which can be achieved by shortening asset maturity, lengthening liability maturities, possibly issuing more equity. this indicate effective policies are essential for improving DMBs Policymakers focus enforcing regulations ensure withstand risks without compromising profitability. Also, maintaining non-performing loans regulatory thresholds is crucial sustaining quality stability banking sector.

Язык: Английский

Exploring the relationship between sustainable business practices and increased brand loyalty DOI Creative Commons

Edith Ebele Agu,

Toluwalase Vanessa Iyelolu,

Courage Idemudia

и другие.

International Journal of Management & Entrepreneurship Research, Год журнала: 2024, Номер 6(8), С. 2463 - 2475

Опубликована: Авг. 3, 2024

This review paper examines the relationship between sustainable business practices and brand loyalty, focusing on their implications for modern businesses. Sustainable encompass environmental, social, economic dimensions influencing consumer perceptions, trust, loyalty. The literature explores how sustainability enhances customer retention, builds a positive image, provides competitive advantage in socially conscious marketplace. Key findings underscore importance of transparency, authenticity, ethical engagement fostering deeper connections long-term Practical businesses include strategies integrating into core to enhance differentiate from competitors, achieve financial gains. As expectations evolve regulatory landscapes shift, are encouraged innovate sustainably prioritize responsible corporate citizenship align with global goals. Keywords: Practices, Brand Loyalty, Consumer Perceptions, Trust, Competitive Advantage, Corporate Responsibility.

Язык: Английский

Процитировано

25

Data-Driven decision making in agriculture and business: The role of advanced analytics DOI Creative Commons

Eyitayo Raji,

Tochukwu Ignatius Ijomah,

Osemeike Gloria Eyieyien

и другие.

Computer Science & IT Research Journal, Год журнала: 2024, Номер 5(7), С. 1565 - 1575

Опубликована: Июль 7, 2024

Advanced analytics has revolutionized decision-making processes in agriculture and business by harnessing data-driven insights to optimize operations, manage risks, drive innovation. This paper explores the transformative role of advanced these sectors, highlighting key benefits, challenges, future directions. In agriculture, enables precision farming integrating AI, IoT sensors, satellite imagery. Predictive models forecast crop yields, irrigation, enhance soil management practices, improving productivity sustainability. Similarly, supports strategic analyzing consumer behavior, predicting market trends, optimizing supply chain operations. However, adopting faces challenges such as data quality, technical expertise, cost constraints, ethical considerations. Addressing requires investments infrastructure, talent development, regulatory compliance ensure secure usage. Emerging trends include AI-driven automation, blockchain for transparency, augmented democratizing access. Recommendations stakeholders investing capabilities, fostering collaborative partnerships, promoting a culture decision making. conclusion, offers profound opportunities efficiency, inform making, sustainable growth business. Embracing technologies is essential organizations seeking thrive economy. Keywords: Analytics, Precision Farming, Data-driven Decision Making, Business Intelligence.

Язык: Английский

Процитировано

24

Strengthening corporate governance and financial compliance: Enhancing accountability and transparency DOI Creative Commons

Christianah Pelumi Efunniyi,

Angela Omozele Abhulimen,

Anwuli Nkemchor Obiki-Osafiele

и другие.

Finance & Accounting Research Journal, Год журнала: 2024, Номер 6(8), С. 1597 - 1616

Опубликована: Авг. 31, 2024

In today's complex business landscape, robust corporate governance and financial compliance are essential for maintaining organizational integrity, accountability, transparency. This review examines the key components strategies necessary to enhance these frameworks, ensuring sustainable success stakeholder trust. Corporate encompasses regulatory compliance, risk management, ethical conduct, engagement. Adherence laws regulations, such as Sarbanes-Oxley Act (SOX) General Data Protection Regulation (GDPR), is foundational in minimizing legal risks safeguarding reputation. Effective management involves identifying, assessing, mitigating potential threats an organization’s health operational integrity through strong internal controls regular audits. Promoting conduct within organizations crucial trust Establishing codes of guidelines, whistleblower protections fosters a culture integrity. Transparent communication engagement ensure that activities align with interests expectations. Enhancing accountability transparency several strategies. Strong board oversight independence, characterized by diverse skilled members, balanced objective decision-making. Regular external audits verify accuracy identifying areas improvement. Leveraging technology data analytics pivotal modern efforts. Technologies like blockchain, artificial intelligence (AI), machine learning automate processes, improve accuracy, provide real-time insights into performance management. reporting disclosure practices, adhering standards International Financial Reporting Standards (IFRS), further Continuous training education employees members on principles, requirements, vital fostering accountability. Strengthening fundamental enhancing By adopting comprehensive leveraging technology, promoting can build trust, mitigate risks, growth dynamic environment. Keywords: Governance, Global Corporations, Harmonization.

Язык: Английский

Процитировано

10

Dynamic financial modeling and feasibility studies for affordable housing policies: A conceptual synthesis DOI Creative Commons

Adetola Adewale Akinsulire,

Courage Idemudia,

Azubuike Chukwudi Okwandu

и другие.

International Journal of Advanced Economics, Год журнала: 2024, Номер 6(7), С. 288 - 305

Опубликована: Июль 24, 2024

The escalating demand for affordable housing necessitates innovative approaches to financial modeling and feasibility analysis ensure the success sustainability of policies. This abstract presents a conceptual synthesis dynamic studies, exploring their pivotal role in shaping effective Dynamic involves creating flexible adaptive models that account varying economic conditions, policy changes, market fluctuations. These are essential predicting outcomes, assessing viability projects, guiding investment decisions. By incorporating real-time data scenario analysis, help stakeholders understand potential risks opportunities, enabling more informed decision-making. Key components include cash flow sensitivity testing, planning, which together provide comprehensive view project's over time. Feasibility studies complement by evaluating practical aspects such as site selection, regulatory compliance, demand. assess alignment projects with community needs requirements, ensuring proposed developments both feasible beneficial. often cost estimates, risk assessments, providing detailed understanding project constraints opportunities. offers robust framework It allows integration projections considerations, policies not only economically viable but also aligned social objectives. Case from various regions demonstrate effectiveness this approach identifying successful strategies addressing common challenges. In conclusion, crucial tools developing implementing They dimensions, facilitating decision-making enhancing impact initiatives. underscores importance integrating these methodologies achieve long-term affordability Keywords: Policies, Affordable Housing, Studies, Financial Modeling, Synthesis.

Язык: Английский

Процитировано

9

AI-Driven accessibility: Transformative software solutions for empowering individuals with disabilities DOI Creative Commons

Nnaemeka Valentine Eziamaka,

Theodore Narku Odonkor,

Adetola Adewale Akinsulire

и другие.

International Journal of Applied Research in Social Sciences, Год журнала: 2024, Номер 6(8), С. 1612 - 1641

Опубликована: Авг. 3, 2024

The integration of artificial intelligence (AI) in developing software solutions marks a pivotal advancement enhancing accessibility for individuals with disabilities. This paper explores the transformative potential AI-driven technologies designed to empower those physical, sensory, and cognitive impairments. AI's capability learn adapt diverse user needs enables creation personalized intuitive applications, offering unprecedented levels independence inclusion. encompass various innovations, including speech recognition, natural language processing (NLP), computer vision. Speech recognition facilitate communication hearing impairments by converting spoken into text vice versa. NLP advancements have enabled development sophisticated text-to-speech systems, which can read aloud content visually impaired users, prediction tools that assist users motor typing efficiently. Furthermore, vision technology provides real-time image video aiding navigating their environment identifying objects. These are integrated everyday devices platforms, significantly utility accessibility. For instance, AI-powered screen readers voice assistants now embedded smartphones computers, providing seamless access information digital services. Educational leveraging AI ensures learning materials accessible all students, regardless disabilities, tailored support. impact extends beyond personal empowerment societal By enabling greater participation education, employment, social activities, these help bridge gap between disabilities peers. Companies organizations benefit from talents perspectives more inclusive workforce, driving innovation economic growth. However, implementation also present challenges. Ensuring data privacy security, avoiding bias algorithms, maintaining affordability user-friendliness critical considerations. Ongoing research, collaboration among stakeholders, design practices essential address challenges maximize benefits In conclusion, revolutionizing way interact world. harnessing power AI, offer opportunities independence, inclusion, empowerment, ultimately contributing equitable society. Keywords: Al-Driven, Accessibility, Transformative, Disabilities, Empowering.

Язык: Английский

Процитировано

9

Strategic risk management in financial institutions: Ensuring robust regulatory compliance DOI Creative Commons

Ibrahim Adedeji Adeniran,

Angela Omozele Abhulimen,

Anwuli Nkemchor Obiki-Osafiele

и другие.

Finance & Accounting Research Journal, Год журнала: 2024, Номер 6(8), С. 1582 - 1596

Опубликована: Авг. 31, 2024

Strategic risk management in financial institutions is a critical component for ensuring robust regulatory compliance and maintaining stability. This review explores the multifaceted nature of strategic its importance dynamic landscape sector. It delves into fundamental components management, including identification, assessment, mitigation, monitoring, highlighting how these processes help navigate complexities requirements. The discussion encompasses various types risks faced by institutions, such as credit, market, operational, liquidity, risks, illustrating need comprehensive frameworks. also reviews key frameworks, Basel III, Dodd-Frank Act, guidelines from European Banking Authority, emphasizing their impact on capital requirements, liquidity standards, governance expectations. A framework integrates efforts with business strategy, that are not only adhering to mandates but aligning appetite tolerance objectives. role technology, particularly data analytics, real-time cybersecurity, examined crucial enabler effective compliance. Best practices enhancing outlined, continuous regular audits, scenario analysis. Challenges evolving regulations, product complexity, globalization addressed, recommendations adaptive strategies industry collaboration. Through case studies, provides insights successful implementations lessons learned failures. underscores fortifying suggests future trends, advanced AI machine learning, which could further revolutionize approach institutions. Keywords: Risk, Financial Institution, Regulatory, Compliance

Язык: Английский

Процитировано

9

Leveraging Advanced Technologies for Efficient Project Management in Telecommunications DOI Creative Commons

Abidemi Adeleye Alabi,

Sikirat Damilola Mustapha,

Afees Olanrewaju Akinade

и другие.

International Journal of Multidisciplinary Research and Growth Evaluation, Год журнала: 2025, Номер 6(1), С. 318 - 327

Опубликована: Янв. 1, 2025

In the fast-paced and highly competitive telecommunications industry, efficient project management is crucial to maintaining operational excellence achieving strategic objectives. Advanced technologies are increasingly being leveraged enhance practices, driving improvements in efficiency, accuracy, adaptability. This paper explores how cutting-edge tools methodologies revolutionizing telecommunications, leading more effective planning, execution, control of projects. One primary transforming Artificial Intelligence (AI). AI-powered enable managers automate routine tasks, optimize resource allocation, predict outcomes with greater accuracy. Machine learning algorithms analyze historical data identify patterns forecast potential risks, allowing proactively mitigate issues before they escalate. AI also facilitates real-time decision-making by providing actionable insights recommendations based on analytics. Another significant advancement adoption cloud computing platforms. These platforms provide scalable flexible solutions that support collaboration sharing across dispersed teams. Cloud-based seamless integration various functions, such as scheduling, budgeting, performance tracking, ensuring all stakeholders have access up-to-date information can collaborate effectively regardless their location. The Internet Things (IoT) making a substantial impact telecommunications. IoT devices sensors collect from network infrastructure field operations, valuable into system utilization. data-driven approach enhances accuracy planning monitoring, enabling use assets timely identification issues. Furthermore, blockchain technology explored for its improve transparency security processes. Blockchain's decentralized immutable ledger ensures securely recorded easily auditable, reducing risk fraud enhancing trust among stakeholders. conclusion, advanced AI, computing, IoT, sector. offer benefits terms collaboration, telecom companies manage complex projects stay rapidly evolving industry. By leveraging these tools, ensure successful delivery, use, achieve goals agility precision.

Язык: Английский

Процитировано

0

Integrating Marketing and Sales Strategies: Boosting Brand Visibility and Customer Engagement DOI Open Access

Ogechukwu Nwanneka Ezechi,

Oluwakemi Famoti,

Chikezie Paul-Mikki Ewim

и другие.

International Journal of Scientific Research in Computer Science Engineering and Information Technology, Год журнала: 2025, Номер 11(1), С. 1495 - 1514

Опубликована: Фев. 3, 2025

This review examines the integration of marketing and sales strategies as a crucial approach for boosting brand visibility enhancing customer engagement in today's competitive business environment. The fusion efforts aims to create seamless journey, ensuring that potential customers receive consistent messaging experience at all touchpoints. By aligning sales, organizations can leverage strengths both functions drive better outcomes. process begins with establishment common goals metrics teams work towards. includes defining target audiences, setting clear objectives, developing unified message resonates customers. Collaborative planning sessions regular communication between help creating cohesive strategy addresses needs preferences effectively. One key elements this is use data analytics. sharing insights, develop more targeted campaigns personalized approaches. data-driven allows identification high-value prospects creation tailored content appeals specific segments market. Additionally, automation tools Customer Relationship Management (CRM) systems facilitate information tracking interactions across teams. Furthermore, plays vital role integrated approach. High-quality, relevant pain points provides value attract nurture leads through funnel. Sales engage meaningful conversations demonstrate company's expertise commitment solving their problems. benefits integrating include increased visibility, improved lead generation, higher conversion rates, stronger relationships. working together, efficient effective engaging customers, ultimately leading sustainable growth edge marketplace.

Язык: Английский

Процитировано

0

Advanced strategies for achieving comprehensive code quality and ensuring software reliability DOI Creative Commons

Nnaemeka Valentine Eziamaka,

Theodore Narku Odonkor,

Adetola Adewale Akinsulire

и другие.

Computer Science & IT Research Journal, Год журнала: 2024, Номер 5(8), С. 1751 - 1779

Опубликована: Авг. 3, 2024

Achieving comprehensive code quality and ensuring software reliability are critical goals in modern engineering. This paper delves into advanced strategies that encompass both technical organizational practices, aiming to enhance boost reliability. Key include the implementation of rigorous review processes, adoption automated testing frameworks, utilization static dynamic analysis tools. Firstly, processes fundamental for maintaining high standards quality. By fostering a collaborative environment where peer reviews routine, teams can catch potential issues early, ensure adherence coding standards, promote knowledge sharing. practice not only improves but also enhances team cohesion expertise. Secondly, frameworks indispensable achieving test coverage reducing incidence bugs. Unit tests, integration end-to-end when automated, provide continuous feedback changes do introduce new defects. approach is crucial reliability, especially agile DevOps environments rapid iterations common. Furthermore, tools development pipeline offers additional layers assurance. Static inspect codebase vulnerabilities, smells, compliance with without executing program. Dynamic tools, on other hand, evaluate during runtime detect memory leaks, concurrency issues, performance bottlenecks. Together, these assessment code’s health Moreover, culture improvement learning within essential. Regular training sessions, workshops, knowledge-sharing activities help keeping updated latest advancements engineering practices Encouraging mindset quality-first among developers ensures long-term benefits sustainability. In conclusion, require multifaceted integrates reviews, Coupled strong improvement, collectively contribute robust, reliable, high-quality systems. Keywords: Software Reliability, Code Quality, Advanced, Strategies, Comprehensive.

Язык: Английский

Процитировано

4

Advancing financial inclusion and technological innovation through cutting-edge software engineering DOI Creative Commons

Theodore Narku Odonkor,

Nnaemeka Valentine Eziamaka,

Adetola Adewale Akinsulire

и другие.

Finance & Accounting Research Journal, Год журнала: 2024, Номер 6(8), С. 1320 - 1348

Опубликована: Авг. 3, 2024

Advancing financial inclusion and fostering technological innovation through cutting-edge software engineering are paramount in addressing the global disparities access to services. This paper explores critical role of revolutionizing sector, particularly enhancing for underserved populations. Financial inclusion, which ensures that individuals businesses have useful affordable products services, is a cornerstone economic development. Despite its importance, significant portion population remains unbanked or underbanked, primarily due limited traditional banking infrastructure. Technological innovation, driven by advancements engineering, presents transformative solution this challenge. Cutting-edge practices at forefront developing robust, scalable, secure solutions. Mobile applications, instance, leverage sophisticated architectures provide seamless services users remote areas. These applications facilitate various transactions, including money transfers, bill payments, savings, thereby integrating into formal system. Additionally, blockchain technology, underpinned advanced offers decentralized platform transactions. Blockchain's inherent transparency security features make it an ideal tool trust reducing fraud By enabling low-cost cross-border technology significantly contributes making accessible those previously excluded. Artificial Intelligence (AI) machine learning, powered algorithms, further enhance providing personalized AI-driven chatbots virtual assistants offer 24/7 customer support, ensuring constant guidance. Moreover, AI algorithms analyze user data tailored products, such as customized loan investment advice, meeting unique needs diverse users. promising potential, integration these technologies faces challenges, privacy navigating regulatory landscapes. However, strategic collaboration between institutions, providers, bodies, challenges can be mitigated. In conclusion, advancing not only bridges gap but also drives more inclusive economically empowered society. Keywords: Inclusion, Innovation, Advancing, Software Engineering, Cutting-Edge.

Язык: Английский

Процитировано

2