Impact of Microfinance Banks on Poverty Alleviation in Selected Local Government Areas of Oyo State, Nigeria

The study examined the impact of microfinance banks on poverty alleviation in selected Local Government Areas of Oyo State. Standard of living of the respondents was examined; relationship between size of loans and standard of living and the extent to which women has benefitted from microfinance bank activities were also evaluated. The study was carried out in three Local Government Areas which were selected using stratified and purposive sampling techniques. 150 customers of microfinance banks were selected. Primary data were analyzed using Foster Greer Thorbecke; Matching Framework Analysis and Partial Correlation. The results revealed that poverty index of the respondents reduced from 0.1668 to 0.1551 after collection of loans which implied that microfinance banks has impacted positively on their living standards. The extent at which women has benefitted from microfinance banks ranges from 65% to 74% between 2007 and 2010. The result indicated that women are increasingly benefitting from microfinance activities in contrast to yester years when there was gender disparity skewed against women. Moreover, the relationship between size of loan, asset acquisition and profit after loan were positive and significant with P = 0.085 and r = 0.152, this revealed that as the size of loan increases, asset acquisition and profit also increases. It was recommended that the size of loans given to customers should be increased in order to enhance their standard of living and consequently alleviate poverty. Microfinance banks should encourage formation of cooperative societies through which they can give out loans to customers. Keywords: Microfinance bank, Poverty, Living standard, Nigeri

Modeling of Lightning Strike Events, and it’s Correlational with Power Outages in South-West Coast, Nigeria

This paper aimed to model lightning strike events and evaluate its correlation with power outages in a Nigerian power distribution system. A specified coastal distribution network of southwest Nigeria was selected as a case study. Zone-specific records of cloud-to-ground lightning strikes for 84 months were obtained from the Nigerian Meteorological Agency (NiMet); records of power outage frequencies and durations for 36 months were obtained at the substations of the selected distribution network. Using numerical statistical analysis techniques, lightning activity in the system area were characterized in relative frequency terms, and correlation statistics were evaluated and analyzed for power outages and lightning events on the 11kV, 33kV, and 132kV voltage levels. An analysis of the results shows that the modelled lightning strike events patterns are closely related but the expected frequencies vary from one zone to another; and there is correlation between lightning strike and power outages in the distribution networks, which is strong and positive at the 33 kV and 132 kV circuits. In essence, the results provided salient information, useful for power systems lightning protection review, management and planning in the area

The value of including families in the treatment of anorexia nervosa

The aim of this paper is to consider family and wider carer involvement in the treatment of anorexia nervosa, and how this can be used to add value to services. We discuss widely adopted interventions involving the family that have been manualised and studied in trials that have outcome measures that are of relevance to illness costs. The therapeutic targets of these interventions range from a focus on feeding to the wellbeing of the whole family. The theoretical models that underpin interventions involving the family/wider carers include both intra and interpersonal processes, with the exception of family-based therapy, which in its original form holds an agnostic stance towards aetiology. Although formal evaluation of the cost effectiveness of these interventions is minimal, there is evidence that involving the family can reduce bed use and improve the wellbeing of both patients and family members. Moreover, for the most part, these interventions are acceptable to patients and carers. Finally, we consider how these approaches can be disseminated and scaled up more widely into services

Travel Behaviour of Rural People in Developing Countries.

Travel patterns in rural areas of developing countries are dominated by trips required to access basic needs and services. Studies revealed that the time spent on such travel is relatively constant throughout the year. Any community with less than 20,000 people is said to be rural, while settlement with population of over 20,000 people is regarded as an urban centre. In many developing countries, national transport policies do not address the travel needs of rural people. This is either due to lack of awareness or total ignorance of government. In some countries, after the construction of rural roads, travel behaviour of rural communities change in order to meet their day-to-day basic needs. The rural travel is usually done with goods. The perspective of rural transportation planning in developing countries has changed from a ‘road-and-car’ approach to a ‘needs-led’ approach. This paper examines the travel pattern of rural dwellers in developing countries through review of literature on the subject, in order to suggest measures to enhance the travel behaviour of the rural dwellers. Keywords: Travel, trips, community, rural, behaviour, planning, population, developin

Effect Of Strategic Leadership On Competitive Advantage Of Selected Quoted Insurance Companies In Nigeria

The insurance industry globally plays a pivotal role in social and economic growth of any economy. The industry in Nigeria, however, has been plagued with the challenges of poor strategic leadership and governance towards achieving strategy implementation and thus caused competitive disadvantage of insurance companies in Nigeria. Henceforth, this study investigated the effect of strategic leadership components on competitive advantage of selected quoted insurance companies in Nigeria. The study employed survey research design and twenty listed insurance companies were selected which controls 72% of the total market share of the total insurance companies. The study employed total enumeration as the population was 420. The Cronbach’s alpha reliability coefficients ranged between 0.710 and 0.881. Data were analyzed using inferential statistics. Findings revealed that there was significant effect of strategic leadership (strategic direction, strategic vision, ethical practices, strategic control and strategic intent) on competitive advantage (F(5,415) =91.619, Adj R² = 0.760, p<0.05). The study concluded that strategic leadership components have positive and significant effect on competitive advantage. The study recommended that insurance companies’ management should sponsor their staff to a continuing training and development programs in order to expose their staff to skills and knowledge regarding strategic leadership and achieve competitive advantage

Roles of local leaders on wildlife conservation effort in Old Oyo National Park, Nigeria

Active involvement of local communities has become an integral part of approaches to sustainable biodiversity conservation. This study assessed the roles local leaders play in the management of Old Oyo National Park. It also assessed the level of interaction and perception of people within the host community on the park. A well-structured self-administered questionnaire was used to obtained information from 100 leaders randomly selected in the study area. Twenty leaders were randomly sampled from each of the five ranges in the park. The data collected were analysed using descriptive statistics. Majority (85%) of the respondents were males, reflecting the fact that male play a major role as leaders in the study area compared with female. Many (65%) leaders were involved in Decision making while 30% were occasionally engaged in protection exercise. Provision of jobs (70%) is the most appreciated form of help easily recognised by respondents. However, training of community members on self-reliance job is less popular (10%). Most (70%) respondents have one or more of their relative working with the park. All (100%) respondents agree to support the establishment of the park in their communities. Illegal arrest of leaders’ subjects (50%) and lack of recognition of some communities are the leading causes of conflicts. Half (50%) of misunderstanding between the park and host community were resolved out of court. This study shows that Old Oyo National park management is in good touch with the leaders of the host communities. However, constant assessment of leaders understanding and loyalty is highly recommended in order to strengthen the current relationship.Keywords: Biodiversity Conservation, leaders, local communities, park managemen

Website and Television Broadcasting of National Parks: A Perceived Possibility of Promoting and Marketing National Parks in Nigeria

The current coronavirus outbreak has made several organizations such as schools churches real estate consultants tourist attraction centres begin to exploit the benefits of information technology to ensure the continuous running of their operation through website and television broadcast The need for National Park in the developing countries to showcase their flora fauna and environment through website and television broadcast intervention WTBI are not farfetched It is believed WTBI could market and promote national parks in developing countries to potential tourists because through website and television broadcast intervention WTBI the developed countries have achieved high operational efficiency and income to increase National Park Visitation Intention NPVI of tourists As such they have generated so much income through tourism to their national parks The study utilized online survey to evaluate the adequacy of current WTB intervention puts in place by management of national parks in Nigeria and the consequent effects of improving on current WTBI to market and promote national parks in Nigeri

In vitro antioxidant activities of African birch (Anogeissus leiocarpus) leaf and its effect on the α-amylase and α-glucosidase inhibitory properties of acarbose

Objective This study sought to determine the antioxidant activities of African birch leaf, to assess its interaction with key enzymes relevant to type 2 diabetes (α-amylase and α-glucosidase) and to evaluate its effect on acarbose in vitro. Methods One milligram per milliliter of aqueous extract of African birch and acarbose were separately prepared. At the same time, both the African extract and acarbose solution (50:50 v/v) were thoroughly mixed until homogeneity was attained. The phenolic phytoconstituents and antioxidant properties of African birch leaf were subsequently determined. Finally, the effects of African birch extract, acarbose solution and a mixture of acarbose and African birch extract on α-amylase and α-glucosidase activities were assessed in vitro. Results The results showed that African birch extract demonstrated a remarkable antioxidant effect, as exemplified by its radical scavenging abilities, Fe2+ chelating ability and prevention of lipid peroxidation. Acarbose had significantly (p < 0.05) higher α-amylase (IC50 = 11.77 μg/ml) and α-glucosidase (IC50 = 9.05 μg/ml) activities compared to African birch extract [α-amylase (IC50 = 242.17 μg/ml); α-glucosidase (IC50 = 196.35 μg/ml)]. However, the combination of acarbose and African birch extract showed an additive effect on α-amylase inhibition, while a resultant synergistic action was observed against α-glucosidase inhibition. Conclusion The additive and synergistic actions of the combination of African birch extract and acarbose solution suggest effective, complementary and alternative strategies towards the management/treatment of hyperglycaemia associated with type 2 diabetes

High prevalence of hepatitis B virus among female sex workers in Nigeria

Hepatitis B virus (HBV) infection is endemic in Nigeria and constitutes a public health menace. The prevalence of HBV infection in many professional groups has been described in Nigeria. However, literature on HBV infection among female sex workers (FSW) in Nigeria is scanty. FSW in Nigeria are not subjected to a preventive control of HBV infection. This study assesses the extent of spread of HBV among FSW in Nigeria. Seven hundred and twenty (n = 720) FSW (mean age = 26.7 years) were tested for hepatitis B surface antigen (HBsAg) by a double antibody sandwich ELISA method. The overall HBV prevalence among the FSW was 17.1%. FSWs between the ages of 31-35 year (20.5%) and those with 'age-at-first-sex' below 10 years of age (28%) were most affected. This high prevalence of a vaccine preventable disease is unacceptable, therefore, vaccination of this high risk HBV reservoir group should be considered worthwhile.A hepatite pelo vírus B (HBV) é infecção endêmica na Nigéria e constitui problema de saúde pública. A prevalência da infecção HBV em muitos grupos profissionais foi descrito na Nigéria. No entanto, a literatura da infecção HBV entre trabalhadoras do sexo feminino (FSW) na Nigéria é escasso. FSW na Nigéria não são submetidas a um controle preventivo de infecção de HBV. Este estudo avalia a extensão da disseminação de HBV entre FSW na Nigéria. Setecentos e vinte (n = 720) FSW (média de idade = 26,7 anos) foram testadas para antígeno de superfície da hepatite B (HBsAg) pelo método ELISA usando sandwich de duplos anticorpos. A prevalência total de HBV entre o FSW foi 17,1%. FSWs entre as idades de 31-35 anos (20,5%) e abaixo de 10 anos de idade (28%) foram mais afetadas. Esta alta prevalência de doença evitável pela vacinação é inaceitável, portanto, vacinação deste grupo de alto risco de HBV deve ser considerada fundamental