UMYU Journal of Business Administration and Management
UMYU Journal of Business Administration and Management is a bi-annual double-blind peer-review journal domiciled in the Department of Business Administration, Faculty of Management Sciences, Umaru Musa Yar’adua University, Katsina, with a steadfast commitment to upholding the highest standards of quality, integrity, and excellence. The journal seeks to contribute to the advancement of knowledge among scholars and commitment to academic excellence in the field of Business Administration and Management, both at the local and international levels. It is processed for accessibility via the Umaru Musa Yar’adua University domain: https://publications.umyu.edu.ng/jbam, as well as inclusion in Google Scholar, Research Gate, and the National Library of Nigeria cataloguing in publication data. UMYU-JBAM publishes two (2) issues of original, theoretical and empirical articles as well as book review each year in April and October with the deadline of February and August (call for papers) covering different subjects in Business Administration and Management, including, but not limited to business administration, business economics, business ethics, industrial organization, global business and crisis management, entrepreneurship development, organizational management, public management, contemporary management, business management, supply chain management, tourism and hospitality management, production management, marketing, office and information management, strategic management, employment relations and human resource management, financial management, operations and logistics management, organization behavior, portfolio management, research methods in business and other.
Umaru Musa Yar'adua University Katsina, NG
Assessment of Organizational Commitment on the Performance of Academic Staff in Umaru Musa Yar’adua University, Katsina State, Nigeria
This study assessed the effect of organizational commitment on the performance of academic staff in Umaru Musa Yar'adua University (UMYU), Katsina State. Drawing upon the three-component model of organizational commitment—affective, continuance, and normative—the research aimed to determine the extent to which each dimension influences academic staff performance. A survey approach was adopted, and data were collected from 129 academic staff at UMYU using a structured questionnaire. Multiple Regression analysis was employed to analyze the collected data. The findings revealed a statistically significant positive effect of all thethree dimensions of organizational commitment on the performance of academic staff. Specifically, affective commitment emerged as the strongest predictor, indicating that emotional attachment and identification with UMYU significantly enhance staff performance. Continuance commitment, reflecting the perceived costs of leaving, and normative commitment, stemming from a sense of moral obligation, also demonstrated significant positive effect on performance of academic staff, albeit to a lesser extent than affective commitment. The study concludes that fostering a strong sense of emotional connection, alongside acknowledging the practical and moral ties, is crucial for optimizing academic staff performance at UMYU. The study recommended among others that, Umaru Musa Yaradua University should implement initiatives that strengthen interpersonal relationships and a sense of "family" among staff. This could include faculty social events, collaborative projects, mentorship programs, and clear communication channels that make staff feel valued and heard.
Copyright (c) 2026 https://creativecommons.org/licenses/by-nc/4.0
Impact of Entrepreneurship Development Programmes on Entrepreneurial Businesses and Innovativeness in Nigeria: Empirical Evidence from Katsina State
<span style="font-size: 11.0pt; line-height: 115%; font-family: 'Calibri',sans-serif; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin; mso-bidi-font-family: 'Times New Roman'; mso-bidi-theme-font: minor-bidi; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA; mso-bidi-font-style: italic;">This paper examined the impact of entrepreneurship development programmeson entrepreneurial businesses and innovativenesswith a view to identifying whether the programmes offered by Katsina entrepreneurship development Centres (EDCs) have influence on entrepreneurial businesses and innovativeness. The study used a structured questionnaire to collect data. Specifically, data was collected from the participants of entrepreneurship development centres in Katsina Youth Craft Village, and other Business Apprenticeship Training Centres in the State. A multistage sampling technique via purposive, stratified and convenience sampling techniques was used for the selection of three hundred and seventy-one (371) respondents from Katsina youth craft village and business apprenticeship centres in Daura and Funtua Senatorial zones of the State. Out of this, only three hundred and thirty-nine (338) respondents representing (91.1%),questionnaires administered were completed and returned, while Two hundred and ninety-nine (299) were found worthy for futher analysis.A One-Way Multivariate Analysis of Variance (MANOVA) was used. The findings of the study revealed that the programmes offered at the Entrepreneurship Development Centres (EDCs) significantly have a combined influence on both entrepreneurial businesses and innovativeness. Thus, we can conclude that entrepreneurship development programmes are the determining factor of entrepreneurial businesses and innovativeness in State. The study recommends that the programmes offered at the Entrepreneurship Development Centres (EDCs) be sustained and Government should increase its support and the establishment of EDCs across the State. Finally, assistance in form of business start-up packages is a major component to entrepreneurial business; it should therefore be extended to every graduate of the programmes.
The Role of Middlemen on Economic Development of Local Markets in Malumfashi Local Government Area - Katsina State, Nigeria
The study examined the role of middlemen in economic development of Local Markets in Malumfashi local Government Area of Katsina State. Thespecific objectives are to determine the role that middlemen play in the distribution of economic goods and services as well as ascertaining their contribution to the economic development of Malumfashi Local Government area. The study adopted a survey research design with a population sample of 364 from a total population of 4151traders cutting across the study area. The study used a cross sectional data involving both primary and secondary datawhile questionnaire was the main instrument of data collection. used to explore the relationship between the variables. Analysis on data was carried out using using simple frequency table, percentages and regression analysis was conducted via (SPSS version 23 computation.The findings from the analysis revealed that middlemen play important role in the economic development and their activities contribute significantly to the economic development of the Local Government. Although they lack access to credit facilities, the study concluded that, middlemen are doing a great job by taking up the responsibility of bridging the gap that exists between the manufacturers and consumers; making goods and services availablein the market at all the time as such cannot be eliminated.Since Market intermediaries’ activities are engaged in all business spheres across Nigeria; diversification and strengthening of their activities is highly recommended thereby developing a vibrant value chain that will attract participants and investments in market intermediation activities andalso the middlemen should have access to viable credit facilities in order to improve their income and variety of products in their stores and warehouses.
Impact of Digital Innovation on the Growth of Small and Medium Enterprises in Katsina State, Nigeria
<span style="font-size: 11.0pt; line-height: 115%; font-family: 'Calibri',sans-serif; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin; mso-bidi-font-family: 'Times New Roman'; mso-bidi-theme-font: minor-bidi; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA; mso-bidi-font-style: italic;">This study examined the impact of digital innovation on the growth of SMEs in Katsina State. Digital innovation indicators include product innovation, automated operations and business model innovation while SME growth was measured using multi-items scale with the following constructs: enterprises productivity, sale growth, asset growth. The study study used survey research design to examine how digital innovations affect SMEs growth. Primary data collected was analyzed using regression analysis via E-views. The findings revealed that digital innovations have a significant positive effect on SMEs (productivity, sale and asset growth) in Katsina State. The study suggests that governments should prioritize the development of digital innovation towards SMEs growth. Furthermore, the government should enhance productivity of enterprises and position SMEs to effectively lead in the drive towards industrializing the Nigerian economy.
Informal Financial Services and Women Entreprenuership Performance: Assessing Some Selected Enterprises in Katsina, Katsina State, Nigeria
The study empirically examined the relationship between informal financial services and women entrepreneurship performance among selected enterprises in Katsina, Katsina State. To test the relationship, regressionanalysis was appliedon thecross-sectional survey data collected through mailed questionnaire administered to 212 women entrepreneurs in Katsina state. The study employs multi-stage sampling techniques: purposive sampling, stratified and simple random sampling method for sample selection.Findings from the study revealed a significant relationship between loan from friends/relatives and women entrepreneurship performance as well as a significant relationship between cooperative society’s thrift scheme and women entrepreneurship performance, with both p-value of 0.000.In contrast, there is an insignificant relationship between women entrepreneurship performance and daily contribution with rotational saving. Hence the study concludes that informal financial services are to a large extent significantly related to women entrepreneurship performance in Katsina state. Itis therefore, recommended that the women owned enterprises should give critical attention to the important of loans from friends/relatives and cooperatives societies in financing and developing their businesses. Also, the women owned enterprises must be able to identify and exploit other informal financing opportunities to capture vacant market positions with sustainable profit potential.
Effect of Risk Attitude on the Safety Culture of Manufacturing Firms in Lagos State
<span style="font-size: 11.0pt; line-height: 115%; font-family: 'Calibri',sans-serif; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin; mso-bidi-font-family: 'Times New Roman'; mso-bidi-theme-font: minor-bidi; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA; mso-bidi-font-style: italic;">This study explored how employees' risk attitudes influence the safety culture within selected manufacturing firms in Lagos State, Nigeria. The investigation was motivated by the persistent occurrence of workplace accidents, which continue despite the existence of formal safety policies, suggesting disconnect between policy and practice, possibly driven by individual behavioral tendencies related to risk. To address this, the study employed a quantitative research design, gathering data from 312 employees across various firms through a structured questionnaire. The analysis involved inferential statistical techniques, including Pearson correlation and multiple regression, to examine the effect of risk attitude on safety culture. Findings showed a strong positive and statistically significant correlation between risk attitude and safety culture. Further regression analysis confirmed that risk attitude is a significant predictor of safety culture. Specifically, employees who exhibited a risk-averse disposition were more likely to comply with safety standards compared to their risk-tolerant counterparts. The study concludes that while safety structures and policies are necessary, they are not sufficient. Employee behavior, particularly shaped by individual risk attitudes, plays a crucial role in shaping the overall safety culture. As such, manufacturing firms must move beyond structural compliance to embrace behavioral management strategies. It is recommended that management of manufacturing firms integrate psychological risk profiling into their safety training programs and empower safety managers to implement proactive behavioral interventions. These measures can help bridge the gap between policy and practice, ultimately reducing workplace accidents and fostering a stronger safety culture.
Effect of Fuel Subsidy Removal on Civil Servant Efficiency: Empirical Evidence from Federal Polytechnic Kaura Namoda
Fuel subsidy elimination is a significant policy change with numerous implications that require careful examination to fully comprehend their extensive impacts. This study examined theeffect of fuel subsidy removal on civil servant efficiencyinFederal Polytechnic KauraNamoda. The study has a population of 921 and a sample size of 279. A well-designed questionnaire was used in the study to collect primary data. Analysis of variance (ANOVA) was used to analyse data. Thefindings showed that although all costs have increased, especially those related to food and transportation may have seen more significant increases on the cost of living for civil servants.The result also emphasizes how fuel subsidy removalhas probably had a negative impact on job satisfaction and productivity, underscoring the difficulties in preserving staff morale and productivity in the face of rising financial stresses. Furthermore, the results imply that academic staff in particular are suffering more from the removal of subsidy, which has a greater impact on their costs, output, and job satisfaction than non-academic staff. In light of the findings, the study recommended that government or university administration should offer free or heavily discounted transportation services specifically for university staff. This can entail fuel vouchers to compensate for the higher transportation expenses or shuttle buses on well-traveled commute routes. Periodic salary reviews that take inflation and market conditions into account is also needed.
Effect of Insecurity on the Performance of Small and Medium Enterprises: Evidence from Selected Enterprises in Zamfara State, Nigeria
There are insurgency issues in the northwest part of Nigeria. The insecurity problem in Zamfara state led to the closure of businesses activities. Theaim of the current study is to ascertain whether insecurity affectsthe performance of registered SMEs in Zamfara state. The study used survey method. The entire managers or owners of theregisteredsmall and medium enterprises that are registered in Zamfara State make up the study's population. The population and the sample size are respectively 1,236 and 302. The study employed primary data obtainedthrough questionnaire administered to 302 managers and owners of SMEs.The study incorporatedregression model to analyze data. The findings revealed that kidnapping has a negative significant impact on SMEs' performance. Also, the results showed that banditry activities have a major negative impact on SMEs' performance. The study recommended that the government should reinvest in the military to end banditry and improve the performance of SMEs. Moreover, to help SMEs operate more effectively, the government should concentrate on making sure that banditry activities are reduced, if not totally eradicated
Work Life Balance and Employees’ Performance of Selected Deposit Money Banksin Lagos State, Nigeria
Individuals experience more conflict between work and personal life as they continue to pursue the quality of life that they need. Thus, successfully balancing work and family life is one of the major challenges facing current individual workers. This study investigatestheeffectofwork life balanceonemployeeperformance of the selected deposit money banks in Lagos State. The study employed survey research design. The population of the study was five hundred and seventy-nine (579) members of the selected deposit money banksinLagosstate. The research employed purposive sampling techniquewith sample size of two hundred and thirty-six (236), determined by Taro Yamani. Two hundred and thirty-six (236) research instruments (questionnaires) were administered to the selected samples. Two hundred and twenty-three (223) copies of the research instruments were properly filled and found usable for the study. The regression analysis results of hypotheses tested indicate a strong positive effect of workload pressure on productivity at beta value of 0.859 and t-value of 24.533, while the regression results indicated a weak correlation between role conflict and employee effectiveness at beta value of 0.215 and t-value of 3.211. The study concludes that workload pressure has a significant and strong impact on employee productivity, suggesting that organizations need to find a balance that maximizes productivity without overwhelming employees. Conversely, while role conflict shows a weaker effect on employee effectiveness, it remains significant, highlighting the need for organizations to foster clarity and support in navigating conflicting demands.
Employees’ Discipline as a Tool for Organizational Performance: A Review of Evidence from selected Banks in Kaduna State
Discipline is not to be regarded as the use of force or making use of punitive measures to correct misbehavoiursin workplace, rather, it is a system designed to align employees’ interest to that of the organization which requires compliance to the organizational policies, laid down rules and regulation of the an organization. Any attempt by employees to deviate from the defined scope outlined by the management for the organization’s interest would have to be visited with prompt action. This co-opts the use of disciplinary procedures which require the establishment of the act of indiscipline, investigation, fair hearing, award of punishment and right to appeal.This review explores the influence of employee discipline on organizational performance, focusing on selected commercial banks in Kaduna State, Nigeria. The study reviews relevant literature (ofboth) of both local and international studies on the concept of employee discipline, factors influencing indiscipline, causes of indiscipline, disciplinary procedures and the relationship between discipline and performance metrics. Through analysis of past studies, the review reveals that effective disciplinary practices contribute to employee efficiency, reduce absenteeism, and enhance overall productivity. The paper drew its conclusion with recommendations for bank managers on maintaining a structured disciplinary framework that aligns with organizational goals.
Blue Economy and Entrepreneurship Outcomes of Some Selected Coastal Communities in Niger Delta Area: Does Strategic Alliance for Sustainable Development Matter?
This study examined the relationship between blue economy and entrepreneurship outcomes among some selected coastal communities in Niger Delta Area: a mediating role of strategic alliance for sustainable development. Based on Resource-Based View (RBV) theory, cross-sectional survey was adopted for data gathering from the respondents. The study population was 246 entrepreneurs engaged in fishing business in the three coastal states of Niger Delta region, Nigeria. A PLS-SEM approach was used with aid of Smart PLS 4.1 to analyse the data. The result revealed that economic contribution has a strong positive and significant relationship with entrepreneurial outcomes, whereas sustainable resource use shows a negative and insignificant relationship with entrepreneurial outcomes. The result also revealed that strategic alliance for sustainable development is marginally positive and significant relationship with entrepreneurial outcomes. However, for the indirect relationship, the result shows that the mediating role of strategic alliance for sustainable development between economic contribution and entrepreneurial outcomes is positive and statistically significant while the mediating role of strategic alliance for sustainable development between sustainable resource use and entrepreneurial outcomes is positive and statistically significant. This study thereforerecommends that governments should foster collaborations between private investors, NGOs, and local businesses to boost investment in Blue Economy sector while financial institutions should develop special credit schemes for coastal entrepreneurs engaged in fisheries, aquaculture, and eco-tourism with a view to promoting local cooperatives and facilitating access to broader markets for coastal entrepreneurs.
Strategic Alliance for Sustainable Development
An Investigation into the Relationship between Employee Engagement and Organizational Performance at Al-Qalam University katsina
This study investigates the relationship between employee engagement and organizational performance at Al-Qalam University, Katsina, a private Islamic institution in Nigeria, where empirical research on human capital dynamics remains limited. Employing a quantitative descriptive survey design, data were collected from a stratified random sample of 200 academic and non-academic staff using a structured questionnaire adapted from the Utrecht Work Engagement Scale (UWES-9). The data were analyzed usingdescriptive statistics, Pearson correlation, independent samples t-test, and multiple regression analysis. Findings reveal a moderately high overall level of employee engagement (mean = 3.85), with dedication being the most prominent dimension (mean = 4.10), while absorption scored the lowest (mean = 3.60), indicating challenges in maintaining deep work focus. A significant disparity in engagement was observed between academic (mean = 3.95) and non-academic staff (mean = 3.65), highlighting an equity gap. A strong positive correlation (r = 0.72, p < 0.001) confirms that higher employee engagement is significantly associated with improved organizational performance, particularly in teaching effectiveness and service delivery. Furthermore, multiple regression analysis shows that leadership style (β = 0.35), employee recognition (β = 0.28), and work environment (β = 0.20) are significant predictors of engagement, collectively explaining 65% of its variance. The study concludes that employee engagement is a critical driver of institutional success at Al-Qalam University and recommends targeted interventions such as leadership development programs, inclusive recognition systems, and improved work conditions, particularly for non-academic staff, to enhance motivation, equity, and overall performance within the university’s unique faith-based context.
Impact of Hyperinflation on IAS 29 Financial Reporting in Nigeria: A Comparative Analysis
Although Nigeria has not formally met the 100% three-year cumulative inflation benchmark, it exhibits several qualitative characteristics of a hyperinflationary economy, including severe currency devaluation, widespread dollarization, inflation-linked contracts, and declining purchasing power. This studyexamines therelevance and applicability of IAS 29: Financial Reporting in Hyperinflationary Economies in the Nigerian context,focusing on how these hyperinflationary conditions affect the reliability and comparability of financial statements prepared under historical cost accountingUsing a qualitative methodology based on recent macroeconomic data and regulatory literature, the study findings reveal that while IAS 29 is not yet mandated by Nigerian regulators, some multinational subsidiaries are voluntarily applying inflation-adjusted models for internal and group reporting purposes. Challenges identified include the absence of regulatory guidance, limited technical capacity, lack of consistent inflation data, and disconnects between tax and accounting frameworks. Comparative insights from Zimbabwe, Argentina, and Lebanon underscore the importance of early intervention, policy coordination, and professional guidance to avoid systemic financial distortions. The findings confirm that continued reliance on historical cost accounting undermines the reliability, comparability, and decision-usefulness of financial statements in high-inflation contexts. The study concludes that Nigeria is transitioning from high inflation to a hyperinflation-risk economy and recommends proactive regulatory guidance on IAS 29 implementation, enhanced access to credible inflation indices, alignment of tax policies with inflation-adjusted reporting, and the development of inflation monitoring and forecasting frameworks. It further calls on reporting entities to strengthen auditor collaboration, adopt early inflation-adjusted disclosures, and build resilience through scenario planning, while investors are urged to interpret financial information cautiously and demand transparency. Without decisive action, Nigeria risks deeper macroeconomic deterioration and erosion of financial reporting credibility.
Effect of Tax Incentives on Investment Growth in Nigeria
This study investigates the effect of tax incentives on investment growth in Nigeria. It focuses on Tax Credit (TAC) as a form of tax incentives. The research employs an ex-post facto research method by using a dataset encompassing measures of Private Investment (PIN), and Foreign Direct Investment (FDI). Descriptive statistics, Correlation, one sample and regression analyses are used to assess the significance of tax incentives on these investment types. The findings reveal a positive and significant effect of tax credits on all investment categories. TAC has strong correlationson both PIN (r = 0.813, p < 0.01) and FDI (r = 0.895, p < 0.01). This studyconcludes that tax credits are effective in stimulating both domestic and foreign investment in Nigeria highlighting their role as a vital policy tool for enhancing capital formation and economic growth.Policymakers are therefore encouragedto design and maintainawell-structured tax credit scheme that will significantly enhance various forms of investment, ultimately supporting broader economic objectives.
Innovative Management Practices and Product Development Success: Evidence from Selected Paint Manufacturing SMEs in Nigeria
The ability to develop new or improved products in a competitive and dynamic business environment is crucial for the survival and growth of small and medium-sized enterprises (SMEs), particularly in the manufacturing sector. Innovation management has become a key driver of product development success. This study examines the link between innovative management practices and product development success among paint manufacturing SMEs in Nigeria, focusing on the roles of organizational structure, strategy, and culture. Using a survey research design, data were collected from 50 management staff across seven selected paint manufacturing firms. Descriptive statistics, Pearson correlation, and multiple regression analyses were employed to analyze the data. The findings reveal a strong and statistically significant positive relationship between the three innovation management dimensions and product development success. Organizational strategy emerged as the strongest predictor (r = 0.778), followed by organizational culture (r = 0.762) and organizational structure (r = 0.743). The regression model further confirmed that these variables significantly contribute to product development success (R² = 0.679, p < 0.001). The study concludes that firms with flexible structures, innovation-driven strategies, and supportive organizational cultures are better positioned to succeed in product development. It recommends that paint manufacturing SMEs adopt adaptive organizational structures, foster innovation-friendly cultures, align innovation with strategic goals, and invest in employee development to enhance product innovation and competitiveness.
Copyright (c) 2025 Florence K Igweh, Ernest Jebolise Chukwuka, Cephas Onyeka Daniel (Author) https://creativecommons.org/licenses/by-nc/4.0
Knowledge Management for Sustainable Growth: A Study of Organizational Practices and Performance in Nigeria’s Insurance Sector
Knowledge Management (KM) is becoming more important for the sustainable growth of organizations, especially in industry like insurance where decisions depend heavily on expertise and information. This study looks at how KM practices affect growth and performance in selected insurance companies in Nigeria. It focuses on key KM areas like knowledge sharing, use of technology, and staff development, and how these relate to outcomes such as customer satisfaction, profit levels, and market expansion.The research was based on responses from 266 employees working in six insurance firms spread across Lagos, Ibadan, and Port Harcourt. A structured questionnaire was used, and responses were measured using a 5-point Likert scale. The data were analyzed using both descriptive and inferential statistics to understand the effect of KM on local (internal) and global (strategic) performance.The results show that there is a clear positive link between KM and improved organizational performance. Internally, KM helped with time savings, fewer errors, and better service delivery. At the broader level, it supported market growth, long-term planning, and competitiveness.In conclusion, the study suggests that KM is essential for long-term growth in Nigeria’s insurance sector. Firms are encouraged to invest in proper KM systems, create an environment that supports knowledge sharing, and make sure that KM efforts align with their overall goals.
Copyright (c) 2025 Abiola Abdul-Basit Senapon Badaru, Salami Omodayo Amusa, Olufemi Adewale Ogunkoya , Moruff Sanjo Oladimeji (Author) https://creativecommons.org/licenses/by-nc/4.0
Impact of Sustainable Business Practices and Corporate Social Responsibility on Organizational Outcomes: A Study of Selected Oil and Gas Firms in Lagos State, Nigeria
The Nigerian oil and gas sector is a cornerstone of the national economy but continues to grapple with environmental degradation, socio-economic instability and poor governance, all of which undermine public trust and long-term business viability. Sustainable Business Practices (SBPs) and Corporate Social Responsibility (CSR) are increasingly recognized as essential strategies for addressing these challenges by reducing environmental impact, strengthening stakeholder relationships and improving financial performance. This study examines how environmental, ethical and economic practices under the SBP and CSR framework influence organizational outcomes in selected oil and gas firms in Lagos State. Using a survey research design, data were gathered from employees across ten firms to capture perceptions of their companies’ sustainability initiatives and their effects on resilience, stakeholder satisfaction and financial performance. The analysis shows that environmental stewardship, ethical engagement and economically sustainable operations each makesa substantial contribution to strengthening organizational resilience and competitiveness. Firms that reduce gas flaring, prevent oil spills, adopt cleaner technologies, invest in transparent community relations and integrate long-term cost efficiency into their operations are better positioned to withstand regulatory, market and environmental shocks. The findings highlight the interconnected role of environmental, social and economic dimensions of sustainability in improving business outcomes and provide actionable guidance for oil and gas companies in Nigeria seeking to institutionalize sustainability systems, enhance ethical programmes, and align financial planning with long-term sustainability goals.
Impact of Business Efficiency, Market Expansion, and Quality Services on SMEs Performance: Moderating Role of Perceived Risk in Katsina State
This study explores the determinants of SME performance in Katsina State, Nigeria, with a focus on the roles of market expansion, business efficiency, quality services, and perceived risk as a moderating variable. The analysis of a sample of 396SMEs, conducted using SPSS version 23 and SmartPLS 3 to test the proposed structural model, yields significant findings. The study uses a quantitative method.It is found that both market expansion and business efficiency significantly boost SME performance, with Beta Values of 0.296 and 0.328, respectively, indicating strong positive effects. In contrast, quality services do not show a significant direct impact on performance. The study also highlights the significant moderating effect of perceived risk in the relationship between market expansion and SME performance, suggesting that effective risk management can amplify the benefits of market expansion strategies. This research extends the Resource-based View (RBV) and the Unified Theory of Acceptance and Use of Technology (UTAUT) by integrating perceived risk as a critical factor influencing SME performance. From a managerial perspective, the study offers actionable recommendations for SME managers in Katsina State, highlighting the importance of leveraging digital platforms for market expansion, enhancing operational efficiency through technology adoption, and developing robust risk management strategies. These practical insights are designed to empower SME managers, equipping them with the tools to enhance SME performance.
A Pathway from Job Autonomy to Citizenship Behaviour of Selected Banks in Kaduna State: The Role of Employee Hope as a Mediator
This study aims to investigate the impact of job autonomy on organizational citizenship behavior of selected banks in Kaduna state and to analyze the mediating role of employee hope in this relationship. The study used a survey-based cross-sectional research approach. Copies of the questionnaire were distributed to 120 respondents. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings indicate that job autonomy has a significant effect on organizational citizenship behavior, while employee hope has a positive effect on organizational citizenship behavior. Also, employee hope was found to significantly mediate the link between job autonomy and organizational citizenship behavior. This study recommends that employees who demonstrate citizenship activities such as aiding or volunteering should be recognized and rewarded.
Work Risk Exposure and Vulnerability of Informal Workers in Ikorodu West Area of Lagos: The Need for Adequate Risk Management and Control Measures
Informal economy workers often face more significant risks, mainly reflecting their working and living conditions. Assessing these risks is essential to appreciating the high costs to individuals and society for ignoring them, thus making a case for investing in the protection of informal economy workers, and identifying appropriate policy frameworksneeded in this regard. Assessing the adequacy and effectiveness of risk management measures taken towards work-related risks and vulnerability that the informal economy workers are exposed to is the aim of this paper. The study made use of purposive sampling techniques to collect data using questionnaires.Multiple linear regression model was used to analyze the data. The study finding showed that, informal economy workers in Nigeria suffer high work-related risks and vulnerability.The study findings also showedthat risk management measures that are meant to reduce in-work and vulnerability risks are not sufficiently applied to the informal workers, thus leading to feeling of ill-treatment and neglect. The study recommended that the contributory social protection schemes coverage such as social insurance and social assistance be extended to the informal economy workers in Nigeria.
Entrepreneurship under Siege: A Conceptual Analysis of Challenges and Socioeconomic Repercussions in Nigeria’s Banditry-Affected Northwest
This paper offers a conceptual analysis of the profound challenges confronting entrepreneurship in Nigeria’s banditry-affected northwest geopolitical zone and the ensuing socioeconomic repercussions. Moving beyond conventional risk-based interpretations, the study reconceptualizes chronic banditry not as an external shock but as a constitutive force that systematically reconfigures market institutions, entrepreneurial agency, and local economic order. Drawing on institutional voids theory, resilience theory, and the political economy of conflict economies, the paper synthesizes insights from entrepreneurship studies, conflict research, and policy reports to develop an integrated framework for understanding enterprise “under siege.” It argues that banditry generates institutional collapse, fragments markets, normalizes extortion as a de facto tax, and forces entrepreneurs into distress-driven survival strategies often mislabeled as resilience. These micro-level adaptations cascade into macro-level consequences—including youth recruitment into banditry, agrarian collapse, rural displacement, and the emergence of a predation-based informal economy. The study concludes that mainstream entrepreneurship theory—premised on stable institutions and opportunity-driven agency—is inadequate for violently contested settings, and therefore calls for a conflict-sensitive paradigm grounded in the realities of the Global South. To address this, the paper recommends the development of context-specific theoretical models and the co-design of security-economic interventions by state authorities, financial institutions, and local governance structures to disrupt cycles of predation and restore entrepreneurial viability.
Copyright (c) 2025 UMYU Journal of Business Administration and Management https://creativecommons.org/licenses/by-nc/4.0