Empirical Study of the Use of Automated Teller Machine (ATM) Among Bank Customers in Ibadan Metropolis, South Western Nigeria

Automated Teller Machine (ATM) is perceived to offer considerable benefits and challenges both to the banks and their customers, yet these are rarely empirically investigated. The study was conducted in purposively selected eight ATM location points of four banks in Ibadan metropolis, Nigeria. The sample size was made up purposively selected one hundred and eight-two (182) and another twelve (12) respondents for survey and in-depth interviews respectively. Data were collected and analyzed through quantitative and qualitative methods. Results showed that most respondents were utilizing the machine for various purposes. Also, respondents mentioned convenience, quick funds transfer, and time saving as the real benefits of the machine. Some respondents mentioned fear of armed robbery attack, technical hitches, invalid debit and perennial network failure as the challenges of utilizing the machine. On the whole, most respondents (67.0%) evaluated the machine as having benefited them more than it had cost them. The bivariate analysis showed that more female bank customers (?2=6.469; p<0.05); more relatively younger customers (?2=66.846; p<0.05); more customers with relatively higher level of education (?2=26.892; p<0.05) and more student customers (?2=61.196; p<0.05) agreed the machine had benefited them more than other groups. Qualitative data also confirmed the various benefits and challenges of the machine to the customers. Using the modernisation and rational choice theories, the study argued that ATM is a modern technology which some bank customers were selectively adopting based their real subjective and objective experiences. The study concludes that for the benefits of ATM to be consolidated and to gain wider acceptance among bank customers, the challenges inherent in the machine should be addressed. Keywords: ATM, bank customers, benefits & challenges, modernisation, rational choic

Toward an effective Igbo part-of-speech tagger

Part-of-speech (POS) tagging is a well-established technology for most Western European languages and a few other world languages, but it has not been evaluated on Igbo, an agglutinative African language. This article presents POS tagging experiments conducted using an Igbo corpus as a test bed for identifying the POS taggers and the Machine Learning (ML) methods that can achieve a good performance with the small dataset available for the language. Experiments have been conducted using different well-known POS taggers developed for English or European languages, and different training data styles and sizes. Igbo has a number of language-specific characteristics that present a challenge for effective POS tagging. One interesting case is the wide use of verbs (and nominalizations thereof) that have an inherent noun complement, which form “linked pairs” in the POS tagging scheme, but which may appear discontinuously. Another issue is Igbo's highly productive agglutinative morphology, which can produce many variant word forms from a given root. This productivity is a key cause of the out-of-vocabulary (OOV) words observed during Igbo tagging. We report results of experiments on a promising direction for improving tagging performance on such morphologically-inflected OOV words

Igbo-English Machine Translation:An Evaluation Benchmark

Although researchers and practitioners are pushing the boundaries and enhancing the capacities of NLP tools and methods, works on African languages are lagging. A lot of focus on well resourced languages such as English, Japanese, German, French, Russian, Mandarin Chinese etc. Over 97% of the world's 7000 languages, including African languages, are low resourced for NLP i.e. they have little or no data, tools, and techniques for NLP research. For instance, only 5 out of 2965, 0.19% authors of full text papers in the ACL Anthology extracted from the 5 major conferences in 2018 ACL, NAACL, EMNLP, COLING and CoNLL, are affiliated to African institutions. In this work, we discuss our effort toward building a standard machine translation benchmark dataset for Igbo, one of the 3 major Nigerian languages. Igbo is spoken by more than 50 million people globally with over 50% of the speakers are in southeastern Nigeria. Igbo is low resourced although there have been some efforts toward developing IgboNLP such as part of speech tagging and diacritic restoratio

Knowledge and Management Practices Against Malaria in Isulo Community, Orumba South L.G.A Anambra State, Nigeria

A study to determine the knowledge of, and management practices against malaria among thepeople of Isulo community in Orumba South Local Government Area of Anambra State, Nigeria, wascarried out between April and June 2014. Structured questionnaires were issued to 500 individuals in thecommunity. Personal data including age, sex, educational status, marital status and occupation werecollected with the questionnaire. Educational attainment of the participants were Primary education100(20.0%), Secondary education 60(12.0%), tertiary education 45(9.0%), and non-formal education250(50.0%). All the respondents, 500(100%), were aware of the malaria disease. All the respondents,500(100%) mentioned body weakness, headache and fever as the common symptoms of alaria.480(96.0%) respondents attributed malaria to mosquito bites, 290(58.0%) attributed it to consumption oftoo much of oil, 320(64.0%) attributed it to drinking dirty water. On protective measures against mosquitobites, 500(100%) reported putting of nets on the windows and doors and 485(97.0%) believed on sprayinginsecticide inside houses and sleeping under insecticide-treated nets could prevent mosquito bites. Most ofthe respondents 490(98.0%) believed that malaria needs to be treated while 10(2.0%) said that it was adisease that heals on its own without treatment. Malaria treatment methods of the people included visit tohealth centres or hospital 410(82.0%), buying drugs from chemist shops 195(39.5%), visiting prayer andhealing homes 170(34.0%), use of herbs 415(83.0%), avoidance of oily foods 325(69.0%), self-medication165(33.0%) and no treatment 30(6.0%). There is need to empower them with information about the causesof malaria and proper management practices

Awareness and practice of safety measures against occupational hazards among aluminium foundry workers in Jos, Nigeria

Background: Founding predisposes the worker to hazards (extreme heat, dust, fumes, sharp objects), which if unchecked, can cause health problems (burns, respiratory problems, cuts). This study aimed to assess the awareness and practice of safety measures against occupational hazards among aluminium foundry workers in Jos-North LGA.Methods: This was a descriptive, cross-sectional study, which involved 125 aluminium foundry workers in Laranto-Katako area of Jos-North LGA. An interviewer-administered questionnaire was used to collect data. Analysis of data was done using EPI-Info® version 3.5.4 statistical software package. A probability value of p≤0.05 was considered statistically significant.Results: All 125 (100%) respondents were males with a mean age of 24.8±9.7 years and 52 (41.2%) were less than 20 years of age. The study revealed that 118 (94.4%) of them were aware of occupational hazards associated with foundries; The hazards most known were fires with 116 (92.8%) mentions, extreme heat, 85 (68.0) and sharp objects, 85 (68.0%), and with the least being, long working hours, 25 (20.0%). A majority, 118 (94.4%) were aware of hand gloves, 114 (91.2%) nose masks with overalls having the least awareness, 13 (10.4%). The most frequently used safety measures were nose masks, 73 (58.4%), then hand gloves, 57 (45.6%). A statistically significant relationship, with p value of 0.0321, was found between the level of education and the practice of safety measures.Conclusions: The study showed that most of the foundry workers had good knowledge of the hazards, safety measures; however, there was low use of safety measures. An educational campaign on the hazards and use of safety measures, accompanied by the efforts of the government, should be instituted for the foundry workers regularly to help safeguard their health

Serum adiponectin and metabolic profile in women with polycystic ovarian syndrome in relation to body mass index

Background: Polycystic ovarian syndrome is a common endocrine disorder which affects approximately 5-10% of women in reproductive age. It is both a reproductive endocrinopathy and a metabolic disorder.Methods: 160 women aged 18 to 40 years attending obstetrics and gynaecology clinic at Federal medical centre, Owerri, Imo State Nigeria were recruited and divided into 2 groups (women diagnosed with PCOS using Rotterdam criteria and control) of 80 participants each. Anthropometric data were collected, and participants categorized into 3 based on BMI. Fasting blood samples was collected for biochemical analyses. Data were analyzed using the Statistical Package for Social Sciences SPSS version 23.0, and level of significance set at p<0.05.Results: The mean serum levels of adiponectin and high density lipoprotein (HDL-C) were significantly lower while fasting plasma glucose, serum insulin, homeostatic model assessment for insulin resistance, total cholesterol, low density lipoprotein (LDL-C), very low density lipoprotein (VLDL-C) and triglyceride were significantly higher in women with PCOS when compared with the control (p<0.05) as well as in obese when compared with normal weight women with PCOS (p<0.05). BMI negatively correlated with serum adiponectin and HDL-C, but positively correlated with FPG, insulin, HOMA-IR, TC, TG, LDL-C and VLDL-C in women with PCOS (p<0.05).Conclusions: This study highlights the prevalent biochemical and metabolic derangements in PCOS patients and was more evident in the obese and overweight patients. Early detection with subsequent application of preemptive measures including lifestyle modifications are therefore essential in the management of PCOS patients

Does the quality of voluntary disclosure constrain earnings management in emerging economies? Evidence from Middle Eastern and North African banks

Purpose This study aims to examine the influence of the quality of voluntary disclosure (QVD) on earnings management (EM) amongst a sample of commercial banks in the Middle East and North Africa (MENA) region. Design/methodology/approach Using a sample of 1,060 bank-year observations for the period 2006–2015, this paper developed a three-dimensional framework to measure the QVD, which considers the quantity, spread and usefulness of the information. Furthermore, this study examines the QVD-EM nexus using an ordinary least squares regression model. This technique is supplemented with conducting an instrumental variable regression model and a two-stage least squares model to overcome the potential occurrence of endogeneity problems. Findings The findings suggest that QVD is negatively attributed to EM in the context of MENA banks. The findings also confirm that the quality of financial reporting is enhanced by QVD dimensions that were considered in the framework, leading banks to less engagement in EM practices. In contrast, the influence of the quantity dimension (level) of the disclosed information has an insignificant impact on EM, while the spread and usefulness dimensions of VD are negatively and significantly associated with EM in the region. Research limitations/implications Although the results are robust to various measurements and to the possible occurrence of endogeneity problems, there are a few limitations should be acknowledged, which provides opportunities for future research. For example, the sample size is relatively small due to data accessibility issues. Likewise, the findings of the research might not be appropriate for non-financial sectors. These limitations provide a good opportunity for future studies to expand on the research by covering other developing economies and, thereby, enriching the understanding offered by this study. Practical implications This study offers several implications for bank managers, academics and policymakers. Firstly, it may help managers to appreciate the function and the importance of QVD in mitigating EM. Secondly, for academics, the study provides suggestive evidence on the impact of QVD on EM; however, future research may need to consider the role of morality and ethical behaviour across different environments in reducing excessive risk-taking and constraining earnings manipulation. Finally, it provides insights for policymakers and regulators to develop a framework or guidance that can help banks in providing high-QVD in the context of developing economies. Originality/value The study distinctively develops an innovative measurement for QVD using a new multi-dimensional model. This paper also bring new evidence on QVD complexity and its impact on EM practice from an under-researched developing context, namely, the MENA region

Body Mass Index, Blood Pressure and Serum Cortisol Level as Stress Index in Symptomatic HIV/AIDS Male Subjects on Antiretroviral Therapy Negative to Malaria Parasite in Nnewi, Anambra State, Nigeria

Background: HIV infection is a risk factor for a variety of endocrine problems. Objectives: This study investigated the body mass index (BMI), Systolic blood pressure (SBP), Diastolic blood pressure (DBP) and serum cortisol level as stress factor/index symptomatic HIV/AIDS male subjects on ART who are negative to malaria parasite in Nnewi, Anambra State, Nigeria. Methods: A total of 274 adult male participants aged between 18 and 60 (42 ±13) years were randomly recruited at the Voluntary Counseling and Testing (VCT) Centre in Nnamdi Azikiwe University Teaching Hospital and grouped based on WHO criteria for staging HIV into symptomatic HIV (stage 11) infected male participants on ART (A: n=69), Symptomatic HIV subjects not on ART (B: n= 69), Asymptomatic HIV positive subjects (C: n= 68) and HIV seronegative subjects (D: n= 68). Blood samples were collected from the participants for the determination of HIV status by immunochromatography and HIV confirmation by Western Blot. Enzyme-Linked Immunosorbent Assay (ELISA) was used to assay for cortisol level. Results: The results showed a significantly increased BMI and decreased mean serum cortisol level in HIV/AIDS seropositive participants on ART than in those, not on ART (p&lt;0.05). Also, the BMI and mean serum cortisol level were significantly decreased and increased respectively in&nbsp; HIV/AIDS seropositive participants not on ART than in Asymptomatic HIV positive subjects and control respectively (p&lt;0.05). However, the mean SBP and DBP did not differ significantly between the groups studied (p&gt;0.05). Conclusion: This study revealed a decreased stress index in HIV/AIDS subjects on ART with hypercortisolism and lower BMI in symptomatic HIV participants, not on ART. Keywords: HIV; AIDS; Malaria uninfected male subjects; Cortisol; Blood pressure; Antiretroviral therapy

Body Mass Index, Blood Pressure and Serum Cortisol Level as Stress Index in Symptomatic HIV/AIDS Male Subjects on Antiretroviral Therapy Negative to Malaria Parasite in Nnewi, Anambra State, Nigeria

Background: HIV infection is a risk factor for a variety of endocrine problems. Objectives: This study investigated the body mass index (BMI), Systolic blood pressure (SBP), Diastolic blood pressure (DBP) and serum cortisol level as stress factor/index symptomatic HIV/AIDS male subjects on ART who are negative to malaria parasite in Nnewi, Anambra State, Nigeria. Methods: A total of 274 adult male participants aged between 18 and 60 (42 ±13) years were randomly recruited at the Voluntary Counseling and Testing (VCT) Centre in Nnamdi Azikiwe University Teaching Hospital and grouped based on WHO criteria for staging HIV into symptomatic HIV (stage 11) infected male participants on ART (A: n=69), Symptomatic HIV subjects not on ART (B: n= 69), Asymptomatic HIV positive subjects (C: n= 68) and HIV seronegative subjects (D: n= 68). Blood samples were collected from the participants for the determination of HIV status by immunochromatography and HIV confirmation by Western Blot. Enzyme-Linked Immunosorbent Assay (ELISA) was used to assay for cortisol level. Results: The results showed a significantly increased BMI and decreased mean serum cortisol level in HIV/AIDS seropositive participants on ART than in those, not on ART (p&lt;0.05). Also, the BMI and mean serum cortisol level were significantly decreased and increased respectively in&nbsp; HIV/AIDS seropositive participants not on ART than in Asymptomatic HIV positive subjects and control respectively (p&lt;0.05). However, the mean SBP and DBP did not differ significantly between the groups studied (p&gt;0.05). Conclusion: This study revealed a decreased stress index in HIV/AIDS subjects on ART with hypercortisolism and lower BMI in symptomatic HIV participants, not on ART. Keywords: HIV; AIDS; Malaria uninfected male subjects; Cortisol; Blood pressure; Antiretroviral therapy