Application of Feasibility Study in the Establishment of Small and Medium Scale Enterprises in Southwestern Nigeria

The study investigated the prevalence of the use of feasibility study among the Small and Medium Enterprises (SMEs), and examined the application of feasibility study in the establishment of these enterprises. It also analyzed the challenges in the application of feasibility study with a view to increasing productivity. The study was descriptive in nature. . A multi-stage sampling technique was used to select the respondents to the study. Primary data were collected through the use of questionnaire from the respondents. Descriptive statistics were used to analyze the data. The study revealed that majority (65.05%) of the respondents conducted feasibility study at the commencement of their businesses, while 57.85% of the respondents were involved in the preparation of the feasibility study. The study further upholds that there might be challenges in the application of feasibility study such as management/personnel (45.5%), technical (29.57%), marketing (27.42%), finance (57.53%), socio-economic desirability (20.42%) and others (6.99%) it does not prevent its application. The study concluded that not minding the challenges encountered by these entrepreneurs in the process of implementing feasibility study its availability has assisted in taking crucial decisions that will not allow their enterprises to fold up or liquidate. Keywords: Feasibility Study, SMEs, Entrepreneurs and Growth and Surviva

Credit risk management and financial performance among deposit money banks in Nigeria: A case study of Zenith Bank Plc

Risk is an intrinsic attribute that is existent in virtually all fields of human endeavour. The financial environment has turned out to be extremely precarious, unstable and unpredictable by dint of defective risk management practice. In giving out credit, Deposit Money Banks (DMBs) take the risk of the loan or advances (LAD) being fully or partially lost, or of the interest-income accrued not eventually materialising. The review of empirical literature revealed a plethora of approaches to measuring the credit risks facing financial institutions. They showed that the management of risks has a positive impact on profitability. Concentrating on deposit money banks in Nigeria and using Zenith Bank Plc as a case study, the objective of this study is to show in simple terms that risks can be represented by the LAD and the loan loss provision (LLP) made by DMBs, just as performance can be measured by the return on equity (ROE), while total assets (TAS) are included as the control variable. Using data extracted from the financial statements from 2002 to 2017 (16 years), it was established, by means of descriptive statistics and regression analysis, that loan loss provision does not exert a significant impact on profitability

Clinical correlates of coronary heart disease among patients attending a general outpatient clinic of a Nigerian Teaching Hospital

No Abstrac