Browsing by Author "Abdulkadir, R.I."
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Item Determinants of Financial Deepening in Nigeria(Department of Accounting Kogi State University Anyigba, Kogi State Nigeria, 2013) Abdullahi, Ibrahim Bello; Etudaiye-Muhtar, O.F.; Abdulkadir, R.I.The purpose of this paper is to examine the determinants of financial deepening in Nigeria with a specific focus on how financial sector policies, real interest rate and the level of economic activity affect financial deepening. The study is carried out using the Bounds Test approach to determine the long- run and short-run relations hip between financial deepening, real output and financial sector policies employing time series data. A financial liberalization index is constructed to show the effect of financial liberalization on financial deepening. The study finds out that in the long run, both the level of economic activity and the real interest rate have a positive effect on financial deepening with only the real interest rate being significant. The financial liberalization index is seen to hove a negative and significant effect on financial deepening. The paper recommends the removal of interest rate controls and advocates for the effective implementation of financial sector policies in order to deepen the Nigerian Financial System.Item The effect of financial statement on economic decision of primary stakeholders in Nigerian Banks(Department of Business Administration, University of Ilorin, 2011) Abdulkadir, R.I.; Aliu, O. A.; Salam, M.O.The major objective of accounting is to provide information for decision making to various users. Such information can be obtained from the financial statements of organizations. This study provides empirical evidence on the impact of the information contained in the financial statements on the economic decisions of selected primary stakeholders in Nigerian banks. The four banks chosen for the study include United Bank for Africa, First Bank, Guaranty Trust Bank and Diamond Bank. Also, three user groups namely shareholders, employees and depositors were surveyed in the study. The data for the study was collected from a questionnaire distributed to two hundred and forty respondents. Percentages, Z-score statistical test and ANOVA were used to analyze the data gathered for the study. The results of the analysis shows that the primary stakeholders lack the ability to analyze information contained in the financial statements and also reveal further that the stakeholders do not base their economic decisions on the evaluation of the banks' financial statements. The study therefore concludes that the financial statements have no significant impact on the economic decisions of primary stakeholders of the banks. Based on this, the study recommends amongst others that regulatory bodies and Nigerian banks should organize educative sessions at intervals for stakeholders to enlighten them on the importance of financial reporting to their economic decision making and to guide them on how to read and analyze information contained in the financial statementsItem Impact of Education and Gender on Personal Income Tax Compliance in Kwara State, Nigeria(Faculty of Business and Social Sciences, University of Ilorin, 2013-08) Salam, M.O.; Aliu, O. A.; Abdulkadir, R.I.The study investigates the impact of educational qualification and gender on personal income tax compliance in Kwara State. A questionnaire was administered to 450 respondents in the three local government areas in Ilorin metropolis. Mann-Whitney U test and Analysis of Variance statistical techniques were employed to analyze the data collected. The results reveal that both educational qualification and gender affect personal income tax compliance. As such, the study recommends that the Kwara State Board of Internal Revenue should target the taxpayers with lower level of educational qualifications and male; with a view to directing its audit strategies in respect of the evaders and bridge the tax gap also to create awareness about the penalty attached to tax evasion.Item Spatial Distribution of Commercial Banks in Ilorin Metropolis, Kwara State, Nigeria(Department of Geography and Planning, Kogi State University, 2011) Abdullahi, Ibrahim Bello; Ijaiya, M.A.; Abdulraheem, A.; Abdulkadir, R.I.; Ibrahim, R.O.The spatial distribution of banks in any geographic entity determines the level of accessibility to its services by the public. This study examined the pattern of banks distribution in lIorin metropolis. Field survey was employed in determining the number or available commercial hanks and their respective distances between each other. The spatial analysis technique such as the nearest neighbour analysis as used ascertain the degree of clustering, density and the average distance taken to access these services. The study revealed that about 9% of the total number of banks arc situated in the Central Business District which exhibited a very a high degree of clustering (Rn = 0.59). This cased interbank interactions within the CBD as the average interbank distance is 0.37kl11 and with a little measure of cost to customers who reside outside the CBD. It also discovercd that a branch of U.B.A. PLC 'was the only bank located in interior (traditional/unbanked) of Ilorin metropolis. Based on this, it was recommended that banking services should be extended to the traditional settlement areas where indigenes reside to encourage and improve their banking culture.