Ajase Ipo Road Kwara State, Nigeria
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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. -
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). -
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. -
Implications of Community Infrastructure Provision in the Development of Medium-Sized Towns in Kwara State Nigeria Adedayo, A
Ethiopian Journal of Environmental Studies and Management EJESM Vol. 5 no.4 (Suppl.2) 2012 IMPLICATIONS OF COMMUNITY INFRASTRUCTURE PROVISION IN THE DEVELOPMENT OF MEDIUM-SIZED TOWNS IN KWARA STATE NIGERIA ADEDAYO, A. and *AFOLAYAN, G.P. http://dx.doi.org/10.4314/ejesm.v5i4.S23 Received 20th September 2012; accepted 1st November 2012 Abstract Infrastructure has been recognized as the crux of human settlement development. This paper therefore examines the implications of community provision of infrastructure in the development of medium – sized towns in Nigeria. Medium-sized towns are settlements with population size of between 5,000 and 20,000. Data were collected from both primary and secondary sources. The findings generally revealed a high level of community participation in the provision of such infrastructure as schools, electricity, roads, water, market stalls, health facilities, and town halls. However, variations exist among the medium – sized towns in the type and number of infrastructure provided by community action. Kendall’s Coefficient Concordance (W) used to test the degree of variations in ranks revealed a significant agreement in the ranking. Hierarchical Cluster Analysis used to classify the medium – sized towns based on infrastructure provision produced three classes. The general implication of this study is that, infrastructure provision by community action can lead to a balanced regional development as other smaller towns around the study emulate the action. Recognizing the role of small – sized towns in a balanced regional development process, government should encourage the people through the provision of financial support, machineries and technical know-how in the provision of infrastructure. This paper recommends the integration of community development plans with those of the local government towards achieving even development. -
Introduction Urban Reproductive Health
Family Planning Effort Index Ibadan, Ilorin, Abuja, and Kaduna FPE Nigeria 2011 Introduction Nigeria has a current population of 152 million with a growth rate of 3.2%, a Contraceptive Prevalence Rate (CPR) of 15.4 and a Total Fertility Rate (TFR) of 5.7. Nigeria plays an important role in the socio- political context of West Africa, since it constitutes 50.2% of the total population of the region (PRB 2009, DHS 2008). In response to the pattern of high growth rates, the National Policy on Population for Sustainable Development was launched in 2005. The policy recognized that population factors, social and economic development, and environmental issues are irrevocably interconnected and addressing them are critical to the achievement of sustainable development in Nigeria. The Nigerian population policy sets specific targets aimed at addressing high rates of population growth including a reduction in the annual national growth rate to 2% or lower by 2015, a reduction in the TFR of at least 0.6 children per woman every five years, and an increase in CPR of at least 2% points per year. However, Nigeria still has a 20% unmet need for family planning (NPC and ICF Macro, 2009). Family Planning was included in the fifth Millennium Development Goal (MDG) as an indicator for tracking progress of improving maternal health. This concept of integrating family planning with maternal health services is the same approach that the Nigerian Ministry of Health is utilizing with messages related to family planning highlighting the links between utilization and reduced maternal mortality. However, continuing low levels of CPR and high levels of maternal mortality highlight the importance of an increased emphasis on family planning both within the context of maternal health and other health and social benefits. -
S/No Placement 1
S/NO PLACEMENT ADO - ODO/OTA LOCAL GOVERNMENT SECRETARIAT, SANGO - OTA, OGUN 1 STATE AGEGE LOCAL GOVERNMENT, BALOGUN STREET, MATERNITY, SANGO, 2 AGEGE, LAGOS STATE 3 AHMAD AL-IMAM NIG. LTD., NO 27, ZULU GAMBARI RD., ILORIN 4 AKTEM TECHNOLOGY, ILORIN, KWARA STATE 5 ALLAMIT NIG. LTD., IBADAN, OYO STATE 6 AMOULA VENTURES LTD., IKEJA, LAGOS STATE CALVERTON HELICOPTERS, 2, PRINCE KAYODE, AKINGBADE CLOSE, 7 VICTORIA ISLAND, LAGOS STATE CHI-FARM LTD., KM 20, IBADAN/LAGOS EXPRESSWAY, AJANLA, IBADAN, 8 OYO STATE CHINA CIVIL ENGINEERING CONSTRUCTION CORPORATION (CCECC), KM 3, 9 ABEOKUTA/LAGOS EXPRESSWAY, OLOMO - ORE, OGUN STATE COCOA RESEARCH INSTITUTE OF NIGERIA (CRIN), KM 14, IJEBU ODE ROAD, 10 IDI - AYANRE, IBADAN, OYO STATE COKER AGUDA LOCAL COUNCIL, 19/29, THOMAS ANIMASAUN STREET, 11 AGUDA, SURULERE, LAGOS STATE CYBERSPACE NETWORK LTD.,33 SAKA TIINUBU STREET. VICTORIA ISLAND, 12 LAGOS STATE DE KOOLAR NIGERIA LTD.,PLOT 14, HAKEEM BALOGUN STREET, OPP. 13 TECHNICAL COLLEGE, AGIDINGBI, IKEJA, LAGOS STATE DEPARTMENT OF PETROLEUM RESOURCES, 11, NUPE ROAD, OFF AHMAN 14 PATEGI ROAD, G.R.A, ILORIN, KWARA STATE DOLIGERIA BIOSYSTEMS NIGERIA LTD, 1, AFFAN COMPLEX, 1, OLD JEBBA 15 ROAD, ILORIN, KWARA STATE ESFOOS STEEL CONSTRUCTION COMPANY, OPP. SDP, OLD IFE ROAD, 16 AKINFENWA, EGBEDA, IBADAN, OYO STATE 17 FABIS FARMS NIGERIA LTD., ILORIN, KWARA STATE FEDERAL AIRPORT AUTHORITY, MURTALA MOHAMMED AIRPORT, IKEJA, 18 LAGOS STATE FEDERAL INSTITUTE OF INDUSTRIAL RESEARCH OSHODI (FIIRO), 3, FIIRO 19 ROAD, OFF CAPPA BUS STOP, AGEGE MOTOR ROAD, OSHODI, LAGOS FEDERAL MINISTRY OF AGRICULTURE & RURAL DEVELOPMENT, FOOD & STRATEGIC GRAINS RESERVE DEPARTMENT (FRSD) SILO COMPLEX, KWANA 20 WAYA, YOLA, ADAMAWA STATE 21 FRESH COUNTRY CHICKEN ENTERPRISES, SHONGA, KWARA STATE 22 GOLDEN PENNY FLOUR MILLLS, APAPA WHARF, APAPA, LAGOS STATE HURLAG TECHNOLOGIES, 7, LADIPO OLUWOLE STREET, OFF ADENIYI JONES 23 AVENUE, IKEJA, LAGOS STATE 24 IBN DEND, FARM, KM. -
Muslims of Kwara State: a Survey
Nigeria Research Network (NRN) Oxford Department of International Development Queen Elizabeth House University of Oxford NRN BACKGROUND PAPER NO. 3 Muslims of Kwara State: A Survey Abdulganiy Abimbola Abdussalam* January 2012 Acknowledgements The author gratefully acknowledges financial support from the Islam Research Programme - Abuja, funded by the Ministry of Foreign Affairs of the Kingdom of the Netherlands. The views presented in this paper represent those of the author and are in no way attributable to the Ministry. * Dr Abdulganiy Abimbola Abdussalam obtained his Ph.D. in Arabic Linguistics at the University of Ilorin, in 2003, with a dissertation entitled An Analytical Study of Arabic Works of Ulama in Yorubaland of Nigeria. He is senior lecturer in the Department of Languages and Linguistics, Nasarawa State University, Keffi. NRN Background Paper 3 Abstract The paper begins with an overview of Kwara State, then proceeds to a brief discussion of categories of Muslims in the state, with estimates of percentages of Muslims in various categories. There follow discussions of Islamic education in the state, and of Muslims and Islam in politics and government. The last two substantive sections discuss Muslim NGOs, with details on four groups, and then three notable Muslim personages active in the state, and the paper ends with a brief conclusion. Table of Contents 1. Overview 3 2. Categories of Muslims 3 a. Estimated percentages belonging to various groups 3 b. Relations among the various groups of Muslims 3 3. Islamic education 4 a. Qur’anic education 4 b. Islamiyya schools 4 c. Tertiary Islamic education 4 i. Private 4 ii. -
TIME/LEAGUE LEAGUE 1 8.30AM to 9.30AM
FOURTH ANNUAL TAX CLUB QUIZ COMPETITION KWARA SOUTH SENATORIAL DISTRICT PRELIMINARY ROUND DRAW DATE: WEDNESDAY, 19TH JUNE 2019 VENUE: OKE ONIGBIN SECONDARY SCHOOL, OKE ONIGBIN TIME/LEAGUE SCHOOLS LEAGUE 1 1. ABGONNA HIGH SCHOOL, SHARE 2. AJAGUN COMPREHENSIVE HIGH SCHOOL 8.30AM 3. ANSARUL ISLAM SENIOR SECONDARY SCHOOL OFFA to 4. AYAKI SECONDARY GRAMMAR SCHOOL 9.30AM 5. BIMAKS INTERNATIONAL SCHOOL 6. COMMUNITY GRAMMAR SCHOOL, ORA 1. ABIOLA STANDARD COLLEGE LEAGUE 2 2. ALADE COLLEGE 09.45AM 3. ANSARUL-ISLAM SECONDARY SCHOOL, OMU-ARAN to 4. BABALOLA MEMORIAL GRAMMAR SCHOOL, ODO OWA 10.45AM 5. BRIGHT WAY SCHOOL, SHARE 6. COMMUNITY SECONDARY SCHOOL, OBA ISIN 1. ADEOLA COLLEGE, OFFA LEAGUE 3 2. ALLA GRAMMAR SCHOOL 11.00AM 3. APOSTOLIC FAITH SECONDARY SCHOOL to 4. BANWO OLUFUNTO IDEAL COLLEGE 12.00PM 5. BUKS INTERNATIONAL SCHOOL 6. COMMUNITY SECONDARY SCHOOL, BABANLOMA 1. ADESOYE COLLEGE LEAGUE 4 2. ANGLICAN COMPREHENSIVE COLLEGE 12.15PM 3. ARANDUN GRAMMAR SCHOOL to 4. BAPTIST GRAMMAR SCHOOL, ISANLU ISIN 1.15PM 5. CHRISTIAN COMPREHENSIVE HIGH SCHOOL, IJOMU-ORO 6. COMMUNITY SENIOR SECONDARY SCHOOL, GANMO 1. AGBONDA HIGH SCHOOL LEAGUE 5 2. ANSA RUL ISLAM SECONDARY SCHOOL, IGBONLA 1.30PM 3. ARAN-ORIN COMPREHENSIVE HIGH SCHOOL to 4. BAPTIST GRAMMAR SCHOOL, IGBAJA 2.30PM 5. COLLEGE OF EDUCATION MODEL SECONDARY SCHOOL 6. COMPREHENSIVE HIGH SCHOOL, OKE AYO LEAGUE 6 1. AJAGUN COMMUNITY HIGH SCHOOL, ORO AGO 2.45PM 2. ANSARUL ISLAM GRAMMAR SCHOOL, IJOMU-ORO 3. AWORO ONA GRAMMAR SCHOOL, IRABON ORO-AGO to 4. BENEVOLENT COMPREHENSIVE HIGH SCHOOL 3.45PM 5. COMMUNITY COMPREHENSIVE HIGH SCHOOL, OBBO ILE 6. -
An Estimated Dynamic Model of African Agricultural Storage and Trade
High Trade Costs and Their Consequences: An Estimated Dynamic Model of African Agricultural Storage and Trade Obie Porteous Online Appendix A1 Data: Market Selection Table A1, which begins on the next page, includes two lists of markets by country and town population (in thousands). Population data is from the most recent available national censuses as reported in various online databases (e.g. citypopulation.de) and should be taken as approximate as census years vary by country. The \ideal" list starts with the 178 towns with a population of at least 100,000 that are at least 200 kilometers apart1 (plain font). When two towns of over 100,000 population are closer than 200 kilometers the larger is chosen. An additional 85 towns (italics) on this list are either located at important transport hubs (road junctions or ports) or are additional major towns in countries with high initial population-to-market ratios. The \actual" list is my final network of 230 markets. This includes 218 of the 263 markets on my ideal list for which I was able to obtain price data (plain font) as well as an additional 12 markets with price data which are located close to 12 of the missing markets and which I therefore use as substitutes (italics). Table A2, which follows table A1, shows the population-to-market ratios by country for the two sets of markets. In the ideal list of markets, only Nigeria and Ethiopia | the two most populous countries | have population-to-market ratios above 4 million. In the final network, the three countries with more than two missing markets (Angola, Cameroon, and Uganda) are the only ones besides Nigeria and Ethiopia that are significantly above this threshold. -
Document of the World Bank
Document of The World Bank Public Disclosure Authorized Report No: ICR00002968 IMPLEMENTATION COMPLETION AND RESULTS REPORT (IDA-42190) ON A Public Disclosure Authorized CREDIT IN THE AMOUNT OF SDR 138.10 MILLION (USD200.00 MILLION EQUIVALENT) TO THE FEDERAL REPUBLIC OF NIGERIA FOR THE LAGOS METROPOLITAN DEVELOPMENT AND GOVERNANCE PROJECT Public Disclosure Authorized March 24, 2014 Public Disclosure Authorized Urban Development and Services Practice 2 (AFTU2) Country Management Unit AFCW2 Africa Region CURRENCY EQUIVALENTS Exchange Rate Effective March 14, 2014 Currency Unit = Naira SDR 1.00 = USD 1.55 USD 1.00 = 165.15 NGN FISCAL YEAR January 1 – December 31 ABBREVIATIONS AND ACRONYMS BD Bidding Documents BER Bid Evaluation Reports CDM Clean Development Mechanism CEA Component Executing Agencies CMC Citizens’ Mediation Centers COS Central Office of Statistics, Lagos CPS Country Partnership Strategy DBO Design Build Operate DPL Development Policy Loan DPO Development Policy Operation ESIA Environmental and Social Impact Assessment ESMP Environmental and Social Management Plans GIS Geographic Information Systems ICR Implementation Completion and Results Report IDA International Development Association IFMIS Integrated Financial Management System LASEPA Lagos State Environmental Protection Agency LASG Lagos State Government LASURA Lagos State Urban Renewal Authority LASURA Lagos State Urban Renewal Authority LASURB Lagos State Urban Renewal Board LAWMA The Lagos Waste Management Authority LG Local Government LUTP Lagos Urban Transport Project -
List of Community Banks Converted to Microfinance Banks As at 31St
CENTRAL BANK OF NIGERIA IMPORTANT NOTICE LIST OF COMMUNITY BANKS THAT HAVE SUCESSFULLY CONVERTED TO MICROFINANCE BANKS AS AT DECEMBER 31, 2007 Following the expiration of December 31, 2007 deadline for all existing community banks to re-capitalize to a minimum of N20 million shareholders’ fund, unimpaired by losses, and consequently convert to microfinance banks (MFB), it is imperative to publish the outcome of the conversion exercise for the guidance of the general public. Accordingly, the attached list represents 607 erstwhile community banks that have successfully converted to microfinance banks with either final licence or provisional approval. This list does not, however, include new investors that have been granted Final Licences or Approvals-In- Principle to operate as microfinance banks since the launch of Microfinance Policy on December 15, 2005. The Central Bank of Nigeria (CBN) hereby states categorically that only the community banks on this list that have successfully converted to microfinance banks shall continue to be supervised by the CBN. Members of the public are hereby advised not to transact business with any community bank which is not on the list of these successfully converted microfinance banks. Any member of the public, who transacts business with any community bank that failed to convert to MFB does so at his/her own risk. Members of the public are also to note that the operating licences of community banks that failed to re-capitalize and consequently do not appear on this list, have automatically been revoked pursuant to Section 12 of BOFIA, 1991 (as amended). For the avoidance of the doubt, new applications either as a Unit or State Microfinance Banks from potential investors or promoters shall continue to be received and processed for licensing by the Central Bank of Nigeria. -
Foreign Influence on Igbomina, C
FOREIGN INFLUENCE ON IGBOMINA, C. 1750-1900 By ABOYEJI, ADENIYI JUSTUS 97/15CA020 (B.A. (2001), M.A. (2006) HISTORY, UNILORIN) BEING A Ph.D THESIS SUBMITTED TO THE DEPARTMENT OF HISTORY AND INTERNATIONAL STUDIES, UNIVERSITY OF ILORIN, ILORIN, NIGERIA i FOREIGN INFLUENCE ON IGBOMINA, C. 1750-1900 By ABOYEJI, ADENIYI JUSTUS 97/15CA020 (B.A. (2001), M.A. (2006) HISTORY, UNILORIN) BEING A THESIS SUBMITTED TO THE POSTGRADUATE SCHOOL, UNIVERSITY OF ILORIN, ILORIN, IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE AWARD OF THE DEGREE OF DOCTOR OF PHILOSOPHY IN HISTORY DEPARTMENT OF HISTORY AND INTERNATIONAL STUDIES, UNIVERSITY OF ILORIN, ILORIN, NIGERIA © March, 2015 ii iii DEDICATION This thesis is dedicated to the custodian of all Wisdom, Knowledge, Understanding, Might, Counsel, Reverential Fear (Isaiah 11:2) and the Donor of the ‘pen of the ready-writer’ (Psalms 45:1), through our Lord and Saviour, JESUS CHRIST. iv ACKNOWLEDGEMENTS My indebtedness for accomplishing this study is undoubtedly, enormous. Contributions within the academic circles, family link and notable individuals/personages deserve due acknowledgement. This is because a man who beats up his doctor after he has been cured is incapable of being grateful. Nature‘s cruelty, to candour, is more bearable than man‘s ingratitude to man. Words are undoubtedly inadequate to quantify the roles of my supervisors, Dr. Kolawole David Aiyedun and Professor Samuel Ovuete Aghalino, to whom special accolades are exclusively reserved. In spite of their busy schedules as Head of Department, Senior Professor and in many other capacities, they never denied me the benefits of their supervisory acumen.