Sumerianz Journal of Business Management and Marketing
Online ISSN: 2617-0175
Print ISSN: 2617-1724
Quarterly Published (4 Issues Per Year)
Journal Website: https://www.sumerianz.com/?ic=journal-home&journal=27Archive
Volume 1 Issue 1 (2018)
A Review of Bank Loans to Farmers: Implications for Agricultural Diversification in Nigeria
Authors : Sebastian O. Uremadu ; Charity E. Duru-Uremadu
Abstract:Paper examined core issues inherent in agricultural loans to farmers using fundamental analysis method in its discussions and analysis. First, paper considered factors contributing to high risks in agricultural lending and how to manage them, second, factors of non-financial commercial bank lending were treated and third, financial factors considered by banks in making loans have been examined. In all, these factors and their implications to agricultural diversification of the Nigerian economy were discussed with a view to enhancing the agricultural productivity that would launch Nigeria into self-sufficiency in food production and exports in the 21st century.
Pages: 33-36
Empirical Analysis of Survival and Growth of Small and Medium Scale Business in Developing Economy: The Case of Nigeria
Authors : Jegede Charles Ayodele
Abstract:The study is an analysis of the survival of small and medium scales business in relation to the valued characteristics the entrepreneur should exhibit to survive. The Nigeria environment is bedeviled by the culture of policy inconsistence and sporadic uncertainty in business and social environment which is the successive learned idea from the military era now carried on by successive civilian government in Nigeria. This culture has bequeathed on Nigeria the norms of negative dynamism which made the SMEs exercise a more difficult venture hence increasing the mortality rate of the small business in Nigeria which has been estimated to be about 95% in the first year of existence. The study therefore examined the issue of survival in the dynamic environment of Nigeria. The study made use of survey method for data collection using structure questionnaire. The analysis was done using the Mean Maximum Correlation Vector (MMCV) algorithm/model developed by the researcher. It also made use of the r-factor and r2 –factor, the t-distribution. The study revealed that the innovative ability is a sine-qua-non for survival of the entrepreneur and growth of the small business to a large business. It also revealed that a pecking order import and value exist for the characteristics needed by the would-be entrepreneur. It also noted that while finance is of value the possession of entrepreneurial spirit is more of import for survival and growth of small business in a very dynamic environment like that of Nigeria. The study recommended that policy makers should develop training not only for skill acquisition but one that will target innovative ability formation and entrepreneurial spirit acquisition.
Pages: 26-32
Assesment of the Learning Needs Among Women Entrepreneurs in India With Special Reference to Maharashtra State
Authors : Navnath B. Tupe
Abstract:The main purpose of this research paper is to explore learning needs of women entrepreneurs in Pune District. For this purpose the survey research paradigm has been adopted. Women Entrepreneurs (SMEs) were the population in the present study. Since the population was not easily identifiable, the researcher used snow-ball sampling method to identify and to select sample. Those women entrepreneurs were selected in this study that runs a small scale business and whose annual income approximately was around 100000/- rupees per year. 100 women entrepreneurs were selected from urban and rural region respectively. Total 200 women entrepreneurs were selected as a sample. The concern of researcher was to find out the gaps between rural and urban area with special reference to learning needs of women entrepreneurs. Learning needs are categorized into three segments like Knowledge, Motivation and Approach to problem solving. These are considered learning needs of women entrepreneurs which were measured by structured interview schedules.
Pages: 18-25
A Review of Indices of Capital Adequacy and Performance among Nigerian Banks: A Theoretical Consideration
Authors : Sebastian O. Uremadu ; Charity E. Duru-Uremadu
Abstract:The paper examines concept of capital adequacy and performance from recapitalized banking system perspective to ascertain whether some indices of financial condition and performance like capital-to-total assets ratio, asset quality, liquidity profile, earning and profitability and competence of management are effective in ensuring bank health in a deregulated banking system. In particular, we investigated, from existing literature, the possibility of financial supermarkets or mega banks existing side-by-side small banks in a consolidated Nigerian banking environment. Hence the paper employed descriptive statistical analysis to analyze conceptually, selected indices of bank capital adequacy and performance (profitability) to propose the way forward for a supermarket cum- small bank industry which will finance the real sector of the Nigerian economy in a bid to stimulate needed economic growth and development in the 21st century. Findings from our analysis confirmed a-priori economic thinking, that the capital adequacy is only a part of a bank’s overall soundness, but that a bank can still be small in its capital base composition and continue to operate profitably provided it maintains a balanced mix in its asset structure to ensure both high liquidity and profitability ratings. We, therefore, recommended that the Nigerian monetary authorities should not focus attention exclusively on the adequacy of bank capital. Rather, they should be concerned with the overall soundness of the bank instead of fixing N25 billion mark capital base requirement to be met by all banks as it will singly do all the magic.
Pages: 8-17
The Effect of E-Communication on the Visit of the Store: An Exploratory Study
Authors : Rabeb Hamdi ; Romdhane Khemakhem
Abstract:The purpose of this study was to present new mediating and moderating variables in the relationship between online advertising and the store visit. To this end, a qualitative study of 17 Tunisian Internet users was conducted. Results allowed developing the proposition that the disposition to visit the store is an intermediate variable between electronic advertising and the visit to a store. In addition, the proposal that the implication with the product is the moderating variable between e-advertising and the disposition to visit the store was developed. The realization of a quantitative study among 500 Tunisian Internet users is very useful to confirm the the research proposals. Thus, the disposition to visit the store is found to be a significant precedent of the off-line realization of a visit to store. This disposition is influenced by the dissemination of online advertising of the product taking into account the consumer’s involvement to the product in question. This research made it possible to propose a new structure of the different variables scales of measurement based on the Chirchill (1979).
Pages: 1-7