Department Actuarial Science,

Permanent URI for this collectionhttps://irepos.unijos.edu.ng/handle/123456789/11224

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Start date: 2022End date: 2022

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    Analyzing the Determinants of Credit Risk for Deposit Money Banks in Southern Nigeria (A Case of South-West Nigeria)
    (Journal of Management Science & Career Development, 2022-12) Adamu, Daniel K
    This study is on analyzing the determinants of credit risk in Nigerian Deposit Money Banks (DMBs). The study employed secondary data, sought from the financial statements of the banks from 2011-2020 and adopted the specific variables and macroeconomic variables thereof. The data were measured with panel data regression method. The findings revealed that Loan Loss Provision/Total Loan, Total Loan/Asset Ratio, Gross Domestic Product Growth, and Inflation had a positive and significant relationship. The results also showed that Bank Liquidity and Capital Adequacy Ratio had a negative and significant relationship. In line with the outcome of the study, it is thus recommended among others that banks’ management should endeavor to develop rigorous and robust credit policies that will enable efficient and effective assessment of the creditworthiness of banks’ customers.
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    The Effects of Cost on the Profitability of an Organization (A Case of Grand Cereals and Oil Mills Limited, Nigeria)
    (African Scholars Journal of Business Development and Management Research, 2022) Adamu, Daniel K.
    The topic of this research is'The effects of cost on the profitability of an organization': (a case of Grand Cereals and Oil Mills Limited, Nigeria). The purpose of this study was to discover the relationship between cost and profitability in an organization, to identify the role of proper costing in the growth of an organization, to also identify the challenges of cost and profitability in an organization and to determine ways of reducing cost and maximizing profits in an organization. The design of this study was a cross-sectional survey method. The instrument of data collection was the records of Grand Cereals and Oil Mills Limited and it was analyzed using the Simple correlation as well as Analysis of Variance (ANOVA). The result of this research shows that there is a negative correlation between cost of production and profitability of Grand Cereals and Oil Mills Limited, there is positive correlation between sales and profitability and there is also a negative correlation between VAT and profitability of an organization. However, for adequate profit to be recorded from a business there is a need for adequate control of cost because a company with adequate cost structure possesses the higher chance of attaining its profit target.