ijafssr.com

Title: WHOSE PERCEPTION IS IT? RESPONDENT-LEVEL AND INSTITUTIONAL-LEVEL EVIDENCE ON INTERNAL CONTROL QUALITY IN MICROFINANCE INSTITUTIONS Authors:Tuhin Mukherjee and Anirban Sarkar Abstract:This study investigates the presence of lead–lag relationships in selected securities in the Indian stock market by examining whether the direction of price movement on one trading day is systematically followed by a similar … Read more

Title: WHOSE PERCEPTION IS IT? RESPONDENT-LEVEL AND INSTITUTIONAL-LEVEL EVIDENCE ON INTERNAL CONTROL QUALITY IN MICROFINANCE INSTITUTIONS Authors:Amah Denis Agem and Dr. Chi Collins Penn Abstract:Survey research on internal control asks individuals to describe a property of the organisation they work in and treats the answers as measurements of that organisation. This paper asks how much … Read more

Title: PERFORMANCE APPRAISAL AND EMPLOYEE JOB SATISFACTION IN HIGHER INSTITUTIONS OF LEARNING Author:Lami Musa Yaro Abstract:This study examines the relationship between performance appraisal and employee’s job satisfaction in institutions of higher learning. From the study, certain relationships were determined on employee’s job satisfaction using performance appraisal. Higher education is taken to include undergraduate and postgraduate … Read more

Title: THE IMPACT OF ALTRUISTIC LEADERSHIP ON TURNOVER INTENTION: THE MODERATING EFFECT OF CARING ETHICAL CLIMATE Author:Lami Musa Yaro Abstract:This study examined the effect of altruistic leadership on turnover intention, with organizational cynicism serving as a mediating variable and caring ethical climate functioning as a moderating variable among employees in higher education institutions. A quantitative … Read more

Title: IMPACT OF DIGITAL LENDING PLATFORMS ON HOUSEHOLD FINANCIAL BEHAVIOUR AND DEBT SUSTAINABILITY AMONG NIGERIAN YOUTH Authors:Abosede Adebola Amoo, Kabiru Aderemi Adeyemo, and Godwin Emmanuel Oyedokun Abstract:This study examines the impact of subnational blended finance frameworks on infrastructure development, using Oyo State Agribusiness Hubs at Fashola and Atan-Ijaiyeas case studies. It investigates whether subnational blended … Read more

Title: IMPACT OF DIGITAL LENDING PLATFORMS ON HOUSEHOLD FINANCIAL BEHAVIOUR AND DEBT SUSTAINABILITY AMONG NIGERIAN YOUTH Authors:Oyedokun, Godwin Emmanuel, Adetoro, Maroof Dare and Dr Moyosore Adewunmi Abstract:The spread of digital lending platforms (DLPs) in Nigeria has deeply transformed access to credit for young households, offering instant, collateral-free loans through mobile applications. While these platforms promise … Read more

Title: CLIMATE SHOCKS AND MACROECONOMIC POLICY RESPONSES: AN EMPIRICAL AND FORWARD-LOOKING STUDY OF IRAQ (2004–2025) Authors:Hasan Khalaf Radhi, Alaa Mahdi Mohammed and Saif Mohammed Hasan Algburi Abstract:This paper empirically explores the transmission dynamics of climate-induced economic shocks and their subsequent spillovers onto macroeconomic stability parameters—specifically, real GDP growth trajectories and inflationary pressures—within the Iraqi economy … Read more

Title: MONETARY POLICY OPERATIONS AND FINANCIAL DEEPENING: A FINANCIAL EDUCATION PERSPECTIVE Authors:Michael, Saro S., Phd, Thomas, Bariere, Phd and Ikole Dornubari, Phd Abstract:This study investigates how monetary policy instruments affect financial deepening in Nigeria using annual data from 1995–2024. It examined the extent of the effects of cash reserve ratio (CRR), liquidity ratio (LR), and … Read more

Title: IMPACT OF GOVERNMENT BUDGET ON EXTERNAL DEBT: LESSONS FOR FINANCIAL LITERACY AND EDUCATION IN NIGERIA Authors:Thomas, Bariere, Phd, Ikole Dornubari, Phd and Michael, Saro S., Phd Abstract:This study investigates the relationship between government budgetary allocations and external debt in Nigeria, focusing on how recurrent and capital expenditure patterns influence external debt accumulation and debt … Read more

Title: FISCAL POLICY OPERATIONS AND EXTERNAL TRADE DYNAMICS: RELEVANCE TO FINANCIAL EDUCATION IN NIGERIA Authors:Michael, Saro S., Phd, Thomas, Bariere, Phd and Ikole Dornubari, Phd Abstract:This study investigates how fiscal policy operations, disaggregated into government capital expenditure (GCE), government recurrent expenditure (GRE), and deficit financial management (DFM) affect Nigeria’s foreign‑trade performance (trade intensity) over 1990–2024 … Read more