This paper investigated the sources of poor attitude to work. Fluctuations in worker performance has been unpredictable. Both private and public organization are faced with poor attitudes such as volatile provision of service has become an increasingly continuous problem facing the organization and negatively affect the general public. Napping and sloppy treating of the existing items and equipment and the general thoughtless attitude of worker in discharging of their duties. This paper will empirically analyze the reasons why worker fail to meet work obligation in both private and public organizations or the sources of pathetic posture to work and is ornate by issuing questionnaires to respondents from different sphere in both private and public organizations in Gombe State Nigeria. An aggregate of 90 questionnaires were analyzed via a stratified random sampling techniques and hypothesis were analyzed via a simple regression. Reckless attitude to work is found to have a negative effect on output level of the organization in Nigeria. Some of the outstanding findings discovered that Nigerian workers spaciously held sees that job insecurity and inadequate training and development are the sources of poor posture to work. The discovery may not claim to be intensive and precise, in view of other contingency and external variables that might not have been considered clearly. This investigation impacts some awareness to scholars and management of organizations, as a matter of supremacy to formulate theories and policies to reengineer the commitment of workers to work at any point in time.
The banking sector across the globe is embracing information and communications technology (ICT) and using it as part of business strategy for expansion, revenue increase, an extension of customer network and creating competitive advantage among banking institutions. This cross-sectional study was therefore conducted to assess the impact and challenges of ICT in First Merchant Bank (FMB) Capital city branch, Lilongwe. Purposive sampling was used and a total of 200 customers operating accounts at FMB Capital city branch were selected. Data was collected using a standard structured questionnaire administered through face-to-face interviews. The results revealed that customers are aware of ICT in banking. However, the awareness level differs with different ICT products. 94% of the customers are aware of ATM, 70% are aware of phone banking service, while 40% are aware of internet banking. Customers are into ICT banking for various services like checking account status (93%), bill payment (83%), and fund transfer (63%), but they still think twice to do it because of safety (70%). The study further revealed that demographic characteristics like age, education level and type of account operating significantly (P<0.05) influenced the usage of ICT in banking. Network communication error, shortage of money at ATM during peak hours and weekends, slowing down of ICT systems, and difficulties to access ICT gadgets and internet by customers were identified as the main challenges of ICT in banking. The study revealed that the identified challenges can be overcome by intensification of awareness campaigns (54%), government reduction of taxes in ICT gadgets and internet (23%), automation and monitoring of ICT (13%), and that banks employ and train IT experts (10%).The study recommends that further studies should be conducted incorporating other financial institutions to confirm the present findings. However, the identified strategies should be put into practice for effective utilisation of ICT in banking.
The effects of climate change are being felt in all countries of the world and these impacts have been intensified in recent decades. With the progress of industrialization, the “greenhouse effect” caused by CO2 and other greenhouse gas (GHG) emission has gradually attracted the government’s attention. In order to deal with the global climate crisis, many studies have been carried out. In this study, the causality links between CO2 emissions, agriculture, energy use, industrialization, electric power usage, foreign direct investment net inflows (FDI), GDP, and urbanization in 12 top developed and developing countries and the time period of 1993-2014 are investigated. A panel model was used in this study based on the environmental Kuznets curve (EKC) hypothesis and the dynamic OLS (DOLS) approach. The results show that industry value, electricity, energy consumption, and urbanization are major factors that increase CO2 emission in the long run. Thus, it is important for these countries to examine the requirements for investment to promote environmental protection and increase technological instruments to reduce environmental damage.
The aim of this paper is to investigate the determinants of innovation activities and their impact on MSMEs productivity in Nigeria. For the empirical analysis of the study we employ Business Environment Enterprise Performance Surveys (BEEPS) firm-level data. To examine the relationship between innovation activities and MSMEs productivity. The ordinary least square technique was used to determine the relationship between innovation activities undertaken by entrepreneurial businesses and their performance. Our findings suggest that enterprises’ size, ownership structure, competition, technological improvement and international impact have positive and significant impact on their incentive to undertake innovation activities. Considering the determinants of productivity, the study reveals that enterprises that have undertaken innovation activities, infrastructural development and purchases of new assets have a positive relationship with productivity but does not affect productivity. The study recommends that MSMEs must make there presence felt more in the international market and more should be invested more on researc and development in order to ascertain what brings about productivity in MSMEs.
The paper investigated the impact of oil price movement on key macroeconomic performance variables and as well empirically accounted for how the Nigerian economy reacts to the different movements in oil price. The counter-cyclical behaviour in the relationship between oil price and macroeconomic variables in Nigeria required the use of multivariate model with the pre-estimation test used as a guide to identify the appropriate one to be adopted, VECM was used among these four competing multivariate technique based on the outcome of the pre-estimation test. The study avails the policy makers the opportunities to better acquaint themselves with possible ways of mitigating the adverse effects of negative impact of oil price fluctuations and also to harness and better utilise the largesse of positive oil price changes. Hence, the study recommended enhanced economic diversification by increasing the contributions of other sectors to GDP and increase the export earnings accrued to the nation from the real sector as against the present revenue structure that rely solely on oil proceeds that is subject to incessant price fluctuations and international politics.