Financial Inclusion: Exploring the Potentials of Daily Savings Enterprises (DSEs) in Savings Mobilization and Credit Delivery in Cross River State, Nigeria

The study examined the potentials of Daily Savings Enterprises (DSEs) in savings mobilization and credit delivery as a veritable tool in financial inclusion of low income groups in Cross River State. A total of 60 DSEs and 99 member-savers were randomly selected for the study. Data was analyzed using multiple regression. Data analysis from the savings function showed that the number of member-savers per DSE and income of the participants were significant, while the credit delivery function revealed that number of member-savers, volume of savings in a year, interest charged and volume of credit already extended were significant, and  key variables in credit delivery. Arising from this, therefore, the study recommends the inclusion of DSEs in the National Financial Inclusion Strategic Plan for a robust mobilization of the low income groups in Nigeria. Keywords: DSEs, Savings, Credit delivery, National Financial Inclusion. DOI: 10.7176/JBAH/11-12-03 Publication date:June 30th 202

ENHANCE CANONICAL IMAGE COMPUTATION FOR FINITE PERMUTATION GROUPS USING GRAPH BACKTRACKING

In this paper, we present a novel algorithm for efficiently computing canonical images of objects under the action of finite permutation groups. Our approach builds upon previous work utilizing Graph Backtracking, an extension of Jeffrey Leon's Partition Backtrack framework. By generalizing both Nauty and Steve Linton's Minimal Image algorithm, our method achieves significant improvements in computational efficiency and accuracy. We introduce a systematic exploration of the permutation group structure to guide the canonical image computation process, resulting in enhanced performance compared to existing methods. Through rigorous theoretical analysis and empirical evaluation, we demonstrate the effectiveness and scalability of our algorithm across diverse application scenarios

The Extent of Online Platforms Utilization for Scholarly Research Work Dissemination: A Survey of Academic Staff in African Universities

An assessment of the extent of the use of electronic platforms by African academic staff in universities to disseminate research was done in this study. The study is informed by the growing importance of online repositories and preprint servers in the scientific communication of scholarly output, especially in an era where the use of metrics for research appraisals and funding decisions is commonly practised. The quantitative research method was adopted, based on the descriptive survey research design. The snowball sampling technique was used for data collection. Data were collected from 1,977 respondents, distributed across 24 African countries, through the use of an electronic survey. There was a high rate of willingness among universities’ academic staff in Africa, to adopt various online platforms for research dissemination; ResearchGate is currently utilized the most for research dissemination, but Google Scholar is the platform respondents are more willing to adopt for research dissemination; the rate at which academic staff research output can be found online as a ratio of their total publication is 64.04% and in the ratio of 2.00:3.12; poor access to Internet facilities at home and workplaces are the major challenges academic staff face in the utilization of digital platforms for RD. It was recommended, amongst others that academic staff in universities should endeavour to explore and utilize at least ten of the online platforms mentioned in this study, to enable them disseminate their scholarly works to a wider audience and for increased visibilit

The extent of online platforms utilization for scholarly research dissemination: A survey of academic staff in African Universities

An assessment of the extent of the use of electronic platforms by African academic staff in universities to disseminate research was done in this study. The study is informed by the growing importance of online repositories and preprint servers in the scientific communication of scholarly output, especially in an era where the use of metrics for research appraisals and funding decisions is commonly practised. The quantitative research method was adopted, based on the descriptive survey research design. The snowball sampling technique was used for data collection. Data were collected from 1,977 respondents, distributed across 24 African countries, through the use of an electronic survey. There was a high rate of willingness among universities’ academic staff in Africa, to adopt various online platforms for research dissemination; ResearchGate is currently utilized the most for research dissemination, but Google Scholar is the platform respondents are more willing to adopt for research dissemination; the rate at which academic staff research output can be found online as a ratio of their total publication is 64.04% and in the ratio of 2.00:3.12; poor access to Internet facilities at home and workplaces are the major challenges academic staff face in the utilization of digital platforms for RD. It was recommended, amongst others that academic staff in universities should endeavour to explore and utilize at least ten of the online platforms mentioned in this study, to enable them disseminate their scholarly works to a wider audience and for increased visibility Keywords

Cumulative Rehearsal and Auditory Verbal Memory of Persons with Down Syndrome

One of the characteristics of persons with Down syndrome is poor memory, especially the Auditory-Verbal Memory (AVM). Lack of verbal memory among persons with Down syndrome is one major factor that inhibits learning. This is why the effort towards enhancing AVM of persons with Down syndrome is evolving. This study, therefore, investigated the efficacy of cumulative rehearsal on auditory verbal memory of persons with Down syndrome with speech production and gender as moderator variables. A 2 x 2 x 2 factorial matrix of pretest-posttest control group experimental design was used in the study. A sample of thirty participants was drawn from a population of 44 persons with Down syndrome and randomly assigned to control and experimental groups in two special schools; National Orthopaedic Special School, Igbobi, and Modupe Cole Memorial Childcare and Treatment Home/School, Akoka. Data was collected using a validated self-developed instrument, Auditory Verbal Memory Assessment Scale (AVMAS) (r-0.86). Two hypotheses were tested using ANCOVA. Findings from the study revealed that: cumulative rehearsal therapy significantly impacted the auditory-verbal memory of persons with Down syndrome, with significant improvement observed. There was no significant interaction effect of speech level and gender with the therapy. It was thus concluded that cumulative rehearsal therapy is effective in enhancing auditory-verbal memory and so recommended for the improvement of AVM of persons with Down syndrome