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Informal Microfinance and Economic Activities of Rural Dwellers in Kwara South Senatorial District of Nigeria
International Journal of Business and Social Science Vol. 2 No. 15; August 2011 INFORMAL MICROFINANCE AND ECONOMIC ACTIVITIES OF RURAL DWELLERS IN KWARA SOUTH SENATORIAL DISTRICT OF NIGERIA IJAIYA, Muftau Adeniyi Department of Accounting and Finance University of Ilorin, Ilorin, Nigeria E-mail : [email protected], Phone: +2348036973561 Abstract Rural areas, like urban areas have increasing demand for credit because such credit reduces the impact of seasonality on incomes. However, formal financial institutions have maintained low presence in the rural areas. This has affected the rural dwellers’ access to deposit savings and credits that can improve their economic activities. This study examined the influence of informal microfinance on economic activities of rural dwellers in the selected rural areas of Kwara South Senatorial District. Using a multiple regression analysis, six hundred (600) questionnaire was administered on members of informal microfinance institution in the study area, the study found that fund provided as credit facilities for transaction purposes, funds for housing and combating diseases have significant influence on the economic activities of the rural areas. The study recommends group savings and group lending in order to increase savings and credits to the rural dwellers. Government should also provide improved infrastructural facilities that would enable rural dwellers have more access to their economic activities Key Words: Microfinance, Informal, Economic Activities, Rural, Kwara 1.0 Introduction Africa‟s development challenges go deeper than low income, falling trade shares, low savings and slow growth. They also include inequality and uneven access to productive resources, social exclusion and insecurity especially among the women (Pitamber, 2003). However, more specific concern is raised in Nigeria due to rural-urban disparities in income distribution, access to education and health care services, and prevalence of ethnic or cross-boundary conflicts. -
Attitude of Teachers Towards Women Leadership of Secondary Schools in Ilorin, Kwara State
Anatolian Journal of Education April 2020 ● Vol.5, No.1 e-ISSN: 2547-9652 www.e-aje.net pp. 135-140 Attitude of Teachers towards Women Leadership of Secondary Schools in Ilorin, Kwara State Alexander O. Iyekolo Ph.D., Department of Social Sciences Education, Faculty of Education, University of Ilorin, Nigeria, [email protected] Ifeoma P. Okafor Ph.D., Department of Social Sciences Education, Faculty of Education, University of Ilorin, Nigeria, [email protected] Isiaka Abdulaziz Ph.D., Department of Social Sciences Education, Faculty of Education, University of Ilorin, Nigeria, [email protected] The study was a survey of secondary school teachers' attitude towards women leadership of secondary schools in Ilorin Metropolis. The study population comprises all public secondary school teachers in Ilorin Metropolis. From the population, random sampling technique was used to sample a total of 500 secondary school teachers across 20 randomly selected public secondary schools in the metropolis. The samples were further stratified on the basis of gender and year of experience. Data were collected using a researcher-designed questionnaire entitled Women School Leadership Questionnaire (WSLQ) and collected data were analyzed using percentages and t-test statistics. Findings revealed that 35.4% (n=177) secondary school teachers preferred women as principals. 37.4% (n=187) as Vice-Principals and just 9.8% (n=47) never wanted women as school leaders. On the other hand, 81% (n=405) of respondents believed that women school leadership is characterized by financial prudence. 29.8% ( n=149) agreed women school leadership encouraged collaborative approach to school governance. 12% (n=60) believed it led to domination of school activities by the women and 40.2% (n=201) believed having women as principals made schools well organized. -
Geotechnical Investigation of Road Failure Along Ilorin-Ajase – Ipo Road Kwara State, Nigeria
View metadata, citation and similar papers at core.ac.uk brought to you by CORE provided by International Institute for Science, Technology and Education (IISTE): E-Journals Journal of Environment and Earth Science www.iiste.org ISSN 2224-3216 (Paper) ISSN 2225-0948 (Online) Vol. 3, No.7, 2013 Geotechnical Investigation of Road Failure along Ilorin-Ajase – Ipo Road Kwara State, Nigeria. Dr. I.P. Ifabiyi [email protected] Department of Geography and Environmental Management Faculty of Business and Social Science P.M.B 1515, University Of Ilorin, Ilorin. Kwara State, Nigeria. Mr. Kekere, A.A [email protected] Department of Art and Social Science, Unilorin Secondary School, University Of Ilorin, Ilorin, Nigeria. Abstract The incessant failure of road network in Nigeria has generated a lot of concern by road users and government. Apart from lives and properties that are lost annually to road crashes, road rehabilitation across the country has become a financial burden to the federal government. Several factors have been identified to be responsible to road failure in Nigeria; they include geological, geomorphological, road usage, bad construction and wrong approach to maintenance. Hence, this paper examines some of the factors responsible for road failure along Ilorin-Ajase Ipo road, Kwara State Nigeria. Soil samples were collected from Five (5) portions of the road that are badly affected by road failure. These portions include: Agricultural and Rural Management Training Institute (ARMTI) 17+800km, Kabba Owode 18+00Km, Idofian 23+700Km, Koko 29+700Km and Omupo 35+700Km axis. The soil samples collected were analyzed four engineering properties: particle size distribution (PSD),atterberg limit, compaction test California Bearing Ratio (CBR). -
Urban Sprawl, Pattern and Measurement in Lokoja, Nigeria
View metadata, citation and similar papers at core.ac.uk brought to you by CORE provided by Research Papers in Economics Alabi M. O. URBAN SPRAWL, PATTERN AND MEASUREMENT IN LOKOJA, NIGERIA URBAN SPRAWL, PATTERN AND MEASUREMENT IN LOKOJA, NIGERIA Michael Oloyede ALABI Department of Geography and Planning, Kogi State University P.M. B. 1008, Anyigba, Nigeria ement [email protected] Abstract Lokoja have been experiencing a large influx of population from its surrounding regions, which had led to rapid growth and expansion that had left profound changes on the landscape in terms of land use and land cover. This study uses the GIS techniques and the application of Shannon’s entropy theory to measure the behavior of sprawl which is based on the notion that landscape entropy or disorganization increases with sprawl, analysis was carried out based on the integration of remote sensing and GIS, the measurement of entropy is devised based on the town location factors, distance from roads, to reveal and capture spatial patterns of urban sprawl. Then Entropy value for each zone revealed a high value, especially areas outside the core city area; like Felele, with the entropy of 0.3, Adankolo, 0.2 and Lokongoma, 0.2. These areas are evenly dispersed settlement, as one move away from the city core. Study shows a correlation of population densities and entropy values of 1987 and 2007, for areas like Felele ,Adankolo, and Lokongoma , which is indicative of spread over space , an evidence of sprawl. But as we go down the table the entropy values seem to tend towards zero. -
2007, Bello and Makinde, Delineation of the Aquifer in the South- Western Part of the Nupe Basin, Kwara State, Nigeria
Journal of American Science, 3(2), 2007, Bello and Makinde, Delineation Of The Aquifer In The South- Western Part Of The Nupe Basin, Kwara State, Nigeria Delineation of the Aquifer in the South-Western Part of the Nupe Basin, Kwara State, Nigeria 1.Bello, Abdulmajeed A, 2.Makinde, Victor 1. Department of Physics, Institute of Basic and Applied Science, Kwara State Polytechnic Ilorin. 2. Department of Physics, University of Agriculture, PMB 2240, Abeokuta, [email protected] 1All correspondence should be directed to 2 above Abstract: A geophysical study using the Vertical Electrical Soundings (VES) techniques has been used to investigate the sub-surface layering in the southwestern part of the Niger Basin in order to determine the nature, characteristics and spatial extent of the components of the aquifer underlying the region. The results of the interpreted VES data suggest that the layering in the region range from three to five layers. The geologic sections derived from the analyzed geoelectric section suggest that the alluvial deposits of sand, sandy clay, medium to coarse sandstones, as well as the weathered and fractured basement constitute the aquifer found in this sedimentary region. Furthermore the results of the interpretation of the VES data indicate that the thickness values of the aquifer vary from 6.01 m to 58.60 m. The geoelectric section generated also suggest that the resistivity values of the aquifer components range from 4.2 Ω-m to 106.7 Ω- m for the alluvial deposits; 33.7 Ω-m to 108.6 Ω-m (weathered basement); and 345.7 Ω-m to 564.0 Ω-m for the fractured basement rocks. -
05 Onyango-Ouma
HEALTH POLICY AND PLANNING; 16(Suppl. 1): 24–32 © Oxford University Press 2001 An evaluation of Health Workers for Change in seven settings: a useful management and health system development tool WASHINGTON ONYANGO-OUMA,1 ROSE LAISSER,2 MUSIBA MBILIMA,3 MARGARET ARAOYE,4 PATRICIA PITTMAN,5 IRENE AGYEPONG,6 MAIRO ZAKARI,7 SHARON FONN,8 MARCEL TANNER9 AND CAROL VLASSOFF10 1KEDAHR Project, Division of Vector-Borne Diseases, Ministry of Health, Kisumu, Kenya, 2Institute of Allied Health Sciences, School of Nursing, Dar es Salaam, Tanzania, 3University Health Centre, Dar es Salaam, Tanzania, 4Department of Epidemiology and Community Health, University of Ilorin, Nigeria, 5Women, Health and Development Program, Division of Health and Human Development, Pan American Health Organization, Washington, DC, 6Ministry of Health, Dangme West Health Research Centre, Dodowa, Ghana, 7Entomology and Parasitology Division, National Institute for Trypanosomiasis Research, Kadua, Nigeria, 8Women’s Health Project, Department of Community Health. University of the Witwatersrand, Johannesburg, South Africa, 9Swiss Tropical Institute, Basel, Switzerland and 10Canadian International Development Agency, Hull, Quebec, Canada This paper presents the findings of a multi-centre study assessing the impact of Health Workers for Change (HWFC) workshops in seven different primary care sites, based on the common core protocol described in this paper. The paper discusses a common methodology used by the studies, consisting of a triangulation of qualitative and quantitative methods. Such methodologies are inherently complex as they require com- parisons across systems, sites and procedures. The studies were conducted in six sites in Africa and one site in Argentina. Generally, the intervention resulted either in positive change or in no change, except in the area of staff relationships where conflicts were more frequent after the intervention than before. -
The World Bank Implementation Status & Results
The World Bank Report No: ISR4370 Implementation Status & Results Nigeria THIRD NATIONAL FADAMA DEVELOPMENT PROJECT (FADAMA III) (P096572) Operation Name: THIRD NATIONAL FADAMA DEVELOPMENT PROJECT Project Stage: Implementation Seq.No: 7 Status: ARCHIVED Archive Date: (FADAMA III) (P096572) Country: Nigeria Approval FY: 2009 Product Line:IBRD/IDA Region: AFRICA Lending Instrument: Specific Investment Loan Implementing Agency(ies): National Fadama Coordination Office(NFCO) Key Dates Public Disclosure Copy Board Approval Date 01-Jul-2008 Original Closing Date 31-Dec-2013 Planned Mid Term Review Date 07-Nov-2011 Last Archived ISR Date 11-Feb-2011 Effectiveness Date 23-Mar-2009 Revised Closing Date 31-Dec-2013 Actual Mid Term Review Date Project Development Objectives Component(s) Component Name Component Cost Capacity Building, Local Government, and Communications and Information Support 87.50 Small-Scale Community-owned Infrastructure 75.00 Advisory Services and Input Support 39.50 Support to the ADPs and Adaptive Research 36.50 Asset Acquisition 150.00 Project Administration, Monitoring and Evaluation 58.80 Overall Ratings Previous Rating Current Rating Progress towards achievement of PDO Satisfactory Satisfactory Overall Implementation Progress (IP) Satisfactory Satisfactory Overall Risk Rating Low Low Implementation Status Overview As at August 19, 2011, disbursement status of the project stands at 46.87%. All the states have disbursed to most of the FCAs/FUGs except Jigawa and Edo where disbursement was delayed for political reasons. The savings in FUEF accounts has increased to a total ofN66,133,814.76. 75% of the SFCOs have federated their FCAs up to the state level while FCAs in 8 states have only been federated up to the Local Government levels. -
Flood Frequency Analysis of River Niger at Lokoja, Kogi State Using Log-Pearson Type III Distribution
Vol. 13(1), pp. 30-36, January-March, 2021 DOI: 10.5897/IJWREE2020.0936 Article Number: 3962E7465930 ISSN 2141-6613 Copyright©2021 International Journal of Water Resources and Author(s) retain the copyright of this article http://www.academicjournals.org/IJWREE Environmental Engineering Full Length Research Paper Flood frequency analysis of River Niger at Lokoja, Kogi State using Log-Pearson Type III distribution Ahuchaogu Udo E.1*, Ojinnaka O. C.2, Njoku R. N.1 and Baywood C. N.1 1Department of Surveying and Geo-Informatics, Federal University of Technology, Owerri, Imo State, Nigeria. 2Department of Geo-informatic, and Surveying, University of Nigeria, Enugu Campus, Enugu State, Nigeria. Received 9 June, 2020; Accepted 4 September, 2020 This study applied Log-Pearson Type III probability distribution to model time series annual peak flow records of River Niger recorded at Lokoja gauging station. This was necessitated by the need to provide reliable data for safe and economic hydrologic design for security of lives and property at downstream of river Niger basin. Though several methods have been adopted in the study area for flood mitigation, however, it has become apparent that these measures are inadequate and no attempt has been made to apply statistical approach for provision of sustainable solution. Though flood cannot be prevented but the impact can be reduced by applying adequate counter measures. Therefore, this study shows the result of flood frequency analysis based on annual peak flow measurement covering a period of 18 years (1995-2012) carried by National Inland Water Ways (NIWA) at Lokoja gauge station. The probability distribution function was applied to return periods (T) of 2, 5, 10, 25, 50, 100 and 200 years. -
Violence in Nigeria's North West
Violence in Nigeria’s North West: Rolling Back the Mayhem Africa Report N°288 | 18 May 2020 Headquarters International Crisis Group Avenue Louise 235 • 1050 Brussels, Belgium Tel: +32 2 502 90 38 • Fax: +32 2 502 50 38 [email protected] Preventing War. Shaping Peace. Table of Contents Executive Summary ................................................................................................................... i I. Introduction ..................................................................................................................... 1 II. Community Conflicts, Criminal Gangs and Jihadists ...................................................... 5 A. Farmers and Vigilantes versus Herders and Bandits ................................................ 6 B. Criminal Violence ...................................................................................................... 9 C. Jihadist Violence ........................................................................................................ 11 III. Effects of Violence ............................................................................................................ 15 A. Humanitarian and Social Impact .............................................................................. 15 B. Economic Impact ....................................................................................................... 16 C. Impact on Overall National Security ......................................................................... 17 IV. ISWAP, the North West and -
Federal Republic of Nigeria Federal Ministry of Power, Works & Housing Headquaters, Abuja
FEDERAL REPUBLIC OF NIGERIA FEDERAL MINISTRY OF POWER, WORKS & HOUSING HEADQUATERS, ABUJA “THE PUBLIC WORKS MINISTRIES: ORGANISATION, OPERATION, POTENTIAL STUDIES AND IMPLEMENTATION. ANNUAL INVESTMENT BUDGETS (LAST FIVE (5) YEARS) ACHIEVEMENTS OF THE PAST TWENTY (20) YEARS, FUTURE PROSPECTS” REPORT PRESENTED AT THE HIGHWAY TRAINING PROGRAMME TO BE HELD AT NIAMEY, NIGER REPUBLIC FROM 3RD – 9TH JULY, 2017 ORGANISED BY TRANS-SAHARA ROAD LIAISON COMMITTEE (TRLC) SUBMITTED BY: MUHAMMAD, HALLIRU ([email protected]) & SEBASTIAN-DAUDA, MARYAMU ([email protected]) JULY, 2017 1 TABLE OF CONTENTS 1.0 STUDY’S AIM AND OBJECTIVES ................................................................................................... 3 2.0 HISTORY OF ROADS CONSTRUCTION IN NIGERIA (HIGHWAYS) UNDER FEDERAL MINISTRY OF POWER, WORKS & HOUSING (WORKS SECTOR) ..................................................................................... 4 2.1 Brief History of Highway Development in Nigeria ...................................................................... 4 2.2 Past Achievements in Road Development .............................................................................. 5 2.3 Pre-Civil War Era (1960-1970) ............................................................................................... 5 2.4 Oil Boom Era (1970-1999) ..................................................................................................... 5 2.5 Civilian Administration {1999 to date (2017)} ..................................................................... -
World Bank Document
The Final Draft RAP Report for Agassa Gully Erosion Sites for NEWMAP, Kogi State. Public Disclosure Authorized FINAL REPORT RESETTLEMENT ACTION PLAN (RAP) FOR AGASSA EROSION SITE, OKENE LOCAL GOVERNMENT AREA Public Disclosure Authorized SUBMITTED TO Public Disclosure Authorized KOGI STATE NIGERIA EROSION AND WATERSHED MANAGEMENT PROJECT (KGS-NEWMAP) PLOT 247, TUNDE OGBEHA STREET, GRA, LOKOJA. Public Disclosure Authorized i The Final Draft RAP Report for Agassa Gully Erosion Sites for NEWMAP, Kogi State. RAP Basic Data/Information S/N Subject Data 1 Intervention Site Agassa Gully Erosion sub-project, Okene LGA, Kogi State 2 Need for RAP Resettlement of People Displaced by the Project/Work 3 Nature of Civil Works Stabilization or rehabilitation in and around Erosion Gully site - stone revetment to reclaim and protect road way and reinforcement of exposed soil surface to stop scouring action of flow velocity, extension of culvert structure from the Agassa Road into the gully, chute channel, stilling basin, apron and installation of rip-rap and gabions mattress at some areas. Zone of Impact 5m offset from the gully edge. 4 Benefit(s) of the Intervention Improved erosion management and gully rehabilitation with reduced loss of infrastructure including roads, houses, agricultural land and productivity, reduced siltation in rivers leading to less flooding, and the preservation of the water systems for improved access to domestic water supply. 5 Negative Impact and No. of PAPs A census to identify those that could be potentially affected and eligible for assistance has been carried out. However, Based on inventory, a total of 241 PAPs have been identified. -
About the Contributors
ABOUT THE CONTRIBUTORS EDITORS MARINGE, Felix is Head of Research at the School of Education and Assistant Dean for Internationalization and Partnerships in the Faculty of Humanities, University of the Witwatersrand, South Africa. With Dr Emmanuel Ojo, he was host organizer of the Higher Education Research and Policy Network (HERPNET) 10th Regional Higher Education Conference on Sustainable Transformation and Higher Education held in South Africa in September 2015. Felix has the unique experience of working in higher education in three different countries, Zimbabwe; the United Kingdom and in South Africa. Over a thirty year period, Felix has published 60 articles in scholarly journals, written and co-edited 4 books, has 15 chapters in edited books and contributed to national and international research reports. Felix is a full professor of higher education at the School of Education, University of the Witwatersrand (WSoE) specialising in research around leadership, internationalisation and globalisation in higher education. OJO, Emmanuel is lecturer at the School of Education, University of the Witwatersrand, South Africa. He is actively involved in higher education research. His recent publication is a co-authored book chapter focusing on young faculty in South African higher education, titled, Challenges and Opportunities for New Faculty in South African Higher Education Young Faculty in the Twenty-First Century: International Perspectives (pp. 253-283) published by the State University of New York Press (SUNY). He is on the editorial board of two international journals: Journal of Higher Education in Africa (JHEA), a CODESRIA publication and Journal of Human Behaviour in the Social Environment, a Taylor & Francis publication.