Browsing by Author "Etudaiye-Muthar, Oyebola Fatima"
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Item A comparative study of financial inclusion indicators in selected African countries(Department of Accounting, Faculty of Management Sciences, University of Ilorin, Ilorin, Nigeria., 2017) Abdulmumin, Biliqees Ayoola; Etudaiye-Muthar, Oyebola Fatima; Jimoh, Taiye Abdulrasaq; Abogun, SegunFinancial inclusion is regarded as a tool for poverty reduction and economic growth. To this end, African countries are working towards the dividends of financial inclusion. This is evidenced by different policies introduced to foster financial inclusion and the resultant increase in the financial inclusion indicators. In spite of the improvement in the indicators, the extent of financial inclusion is still low compared to other developing regions such as Asia. The study examines financial inclusion indicators in five African countries using descriptive statistics and further compare the level of improvement in each of the countries. The comparison revealed that South Africa recorded more growth in it' financial inclusion indicators compared to other countries in the study. Overall, the study concludes that the level of financial inclusion has improved in the region. The study, therefore, recommends that more efforts be put on policies that enhance the growth of financial inclusion indicators in Africa and the introduction of new policies that will strengthen the weak areas.Item Corporate governance breach: An overview of the owner manager agency problem in the Nigerian banking industry(Springer, 2014) Kasum, Abubakar Sadiq; Etudaiye-Muthar, Oyebola FatimaThe effects of a breakdown in the principal/agent relationship in the Nigerian financial services industry, especially in the banking sector, cannot be overemphasized. The required alert is due to the fact that this type of industry requires that there must be trust between the principal and the agent who is making decisions on behalf of the principal’s financial investment in the business environment. This paper analyses the agency problem that surfaced in the Nigerian banking sector, following the recapitalization exercise that took place in the industry in 2006. The study found that, to a large extent, the breakdown in the corporate governance code was a major cause of the crisis. The paper also examines the various ways the regulatory agencies responded to the problem and the measures that are being instituted to forestall a reoccurrence.