Banking and Finance

Effect of Securitisation on the Liquidity of Financial Institutions in Nigeria

This study examined the effect of securitisation on the liquidity of financial institutions in Nigeria. A descriptive survey design was adopted with questionnaires administered to finance executives and asset managers in selected institutions. Data were analysed using descriptive statistics and regression analysis. The findings revealed that securitisation of receivables and loans improved liquidity by converting illiquid assets into tradeable securities, thereby supporting funding and balance sheet management. The study, however, found that regulatory complexity, legal uncertainty, and limited investor appetite constrained the market. It recommends clearer regulatory frameworks and market infrastructure to support securitisation.

2025 — Undergraduate

Influence of Microcredit Schemes on Poverty Reduction in Rural Communities

This study investigated the influence of microcredit schemes on poverty reduction in rural communities in Nigeria. A survey research design was adopted with questionnaires administered to beneficiaries of microcredit programmes. Data were analysed using descriptive statistics and statistical tests of association. The findings revealed that microcredit supported income-generating activities, improved household consumption, and enhanced economic participation among poor households, with empowering effects on women borrowers. The study, however, found that loan size and repayment pressure limited long-term poverty impact. It recommends tailored credit products, financial literacy training, and complementary support services.

2025 — Undergraduate

Assessment of Derivative Instruments Usage on Risk Hedging by Nigerian Firms

This study assessed the usage of derivative instruments for risk hedging by Nigerian firms. A descriptive survey was conducted with treasury and finance officers of selected companies using a structured questionnaire. Data were analysed using descriptive statistics and regression analysis. The findings revealed that a minority of firms actively used currency, interest rate, and commodity derivatives to hedge exposures, while most relied on operational hedging due to cost and knowledge constraints. The study found limited market depth and regulatory clarity hindered broad adoption. It recommends market development, capacity building, and improved awareness of derivative hedging.

2025 — Undergraduate

Impact of Corporate Governance on the Financial Performance of Listed Banks in Nigeria

This study examined the impact of corporate governance on the financial performance of listed banks in Nigeria. Data collected from annual reports of selected banks were analysed together with questionnaire responses from board members and regulators. Data were analysed using descriptive statistics and regression analysis. The findings revealed that board independence, risk oversight, and transparency significantly contributed to profitability and stability of banks. The study, however, observed challenges of board effectiveness and compliance enforcement. It recommends strengthening board composition, robust risk oversight, and strict adherence to governance and prudential standards.

2025 — Undergraduate

Effect of Microfinance Credit on the Growth of Small and Medium Enterprises in Nigeria

This study examined the effect of microfinance credit on the growth of small and medium enterprises in Nigeria. A descriptive survey was conducted with SME owners who accessed microfinance loans using a structured questionnaire. Data were analysed using descriptive statistics and regression analysis. The findings revealed that access to microcredit significantly improved working capital, output, and business expansion, particularly for small enterprises. However, high interest rates, collateral demands, and short repayment periods constrained full benefits. The study recommends affordable lending terms, enterprise training, and improved linkage of microfinance with SME development programmes.

2025 — Undergraduate

Impact of Financial System Regulation on the Stability of the Nigerian Banking Industry

This study examined the impact of financial system regulation on the stability of the Nigerian banking industry. A descriptive survey was conducted with bank executives, regulators, and auditors using a structured questionnaire. Data were analysed using descriptive statistics and regression analysis. The findings revealed that capital adequacy, prudential supervision, and enforcement of governance rules significantly enhanced banking stability and public confidence. The study, however, observed regulatory gaps in addressing emerging risks and burden of compliance costs. It recommends risk-based supervision, proportionate regulation, and continuous adaptation of the regulatory framework.

2025 — Undergraduate

Influence of Deposit Insurance on Depositor Confidence in the Nigerian Financial System

This study investigated the influence of deposit insurance on depositor confidence in the Nigerian financial system. A descriptive survey was conducted with bank depositors using a structured questionnaire. Data were analysed using descriptive statistics and regression analysis. The findings revealed that awareness of deposit protection significantly enhanced depositor confidence and reduced panic withdrawal behaviour, although many depositors were unaware of coverage details. The study found that confidence depended equally on bank reputation and regulatory soundness. It recommends public education on deposit insurance, transparent guarantee arrangements, and strengthened supervision to sustain confidence.

2025 — Undergraduate

Effect of Electronic Banking on Customer Satisfaction in Nigerian Deposit Money Banks

This study examined the effect of electronic banking on customer satisfaction in Nigerian deposit money banks. A descriptive survey design was adopted with questionnaires administered to bank customers using digital channels. Data were analysed using descriptive statistics and regression analysis. The findings revealed that reliability, speed, and convenience of electronic banking services significantly influenced customer satisfaction and loyalty, while transaction failures and network downtime reduced satisfaction. The study also found gaps in customer support for digital services. It recommends improved system uptime, responsive support, and security enhancements in electronic banking delivery.

2025 — Undergraduate

Influence of Agency Banking on Financial Access in Rural Nigeria

This study investigated the influence of agency banking on financial access in rural Nigeria. A survey was conducted with agency operators and rural customers using a structured questionnaire. Data were analysed using descriptive statistics and regression analysis. The findings revealed that agent networks significantly expanded access to deposits, withdrawals, and transfers in underserved communities, reducing travel time and transaction costs. However, liquidity constraints, technology failures, and trust issues limited service quality in some locations. The study recommends improved agent liquidity management, robust technology platforms, and supervisory support for agency banking.

2025 — Undergraduate

Effect of Asset and Liability Management on the Profitability of Nigerian Banks

This study assessed the effect of asset and liability management on the profitability of Nigerian banks. Financial statement data of selected banks were analysed together with questionnaire responses from treasury managers. Data were analysed using ratio analysis and regression techniques. The findings revealed that efficient matching of assets and liabilities, prudent liquidity buffers, and management of interest rate risk significantly influenced profitability and solvency. The study found that maturity mismatches and concentration risks remained concerns for some banks. It recommends rigorous asset-liability frameworks, stress testing, and robust liquidity management.

2025 — Undergraduate

Impact of Foreign Direct Investment on Economic Growth in Nigeria

This study examined the impact of foreign direct investment (FDI) on economic growth in Nigeria. Secondary data on FDI inflows, gross fixed capital formation, and gross domestic product were analysed using regression techniques. The findings revealed that FDI inflows contributed positively to growth through capital formation and technology transfer, although the effect varied across sectors and was muted in periods of instability. The study found that infrastructure deficits and policy inconsistency weakened the growth impact of FDI. It recommends infrastructural investment, policy stability, and deliberate attraction of investment into productive sectors.

2025 — Undergraduate

Influence of Exchange Rate Fluctuations on the Performance of Nigerian Non-Oil Exports

This study investigated the influence of exchange rate fluctuations on the performance of Nigerian non-oil exports. Time series data on exchange rates and export values were analysed together with interviews of exporters in the agricultural and manufacturing sectors. Data were analysed using descriptive statistics and regression techniques. The findings revealed that currency depreciation improved price competitiveness in the short run but raised input costs, with mixed net effects on export earnings. Exchange rate volatility also complicated planning for exporters. The study recommends export diversification, value-addition, and policy measures to stabilise the exchange rate.

2025 — Undergraduate

Impact of Operational Risk Management Practices on the Stability of Deposit Money Banks

This study examined the impact of operational risk management practices on the stability of deposit money banks in Nigeria. A descriptive survey design was adopted with questionnaires administered to risk officers and branch managers in selected banks. Data were analysed using descriptive statistics and regression analysis. The findings revealed that internal controls, business continuity planning, and staff training significantly reduced operational losses and enhanced institutional stability. The study identified cybersecurity threats and third-party risks as emerging challenges. It recommends continuous risk monitoring, investment in security technologies, and strengthening of operational risk frameworks.

2025 — Undergraduate

Effectiveness of Credit Risk Management on the Performance of Commercial Banks in Nigeria

This study assessed the effectiveness of credit risk management on the performance of commercial banks in Nigeria. A mixed-methods approach combining questionnaire administration with analysis of financial statements was adopted. Data were analysed using descriptive statistics and regression analysis. The findings revealed that robust credit appraisal, collateral management, and monitoring significantly reduced non-performing loans and supported profitability. The study, however, found weak risk culture and inadequate data in some banks. It recommends strengthened credit policies, enhanced staff capacity, and the adoption of data-driven credit scoring.

2025 — Undergraduate

Influence of Mutual Fund Performance on Investor Participation in the Nigerian Capital Market

This study investigated the influence of mutual fund performance on investor participation in the Nigerian capital market. Data were collected through questionnaires administered to fund managers and investors, complemented by analysis of fund returns. Data were analysed using descriptive statistics and correlation analysis. The findings revealed that consistent returns, transparency, and professional management significantly increased investor confidence and participation in mutual funds. The study observed, however, that fee structures and past performance volatility discouraged some retail investors. It recommends enhanced disclosure, cost competitiveness, and investor education to broaden mutual fund participation.

2025 — Undergraduate

Effect of Portfolio Diversification on Risk Reduction Among Nigerian Investors

This study examined the effect of portfolio diversification on risk reduction among Nigerian investors. A descriptive survey was conducted with individual and institutional investors using a structured questionnaire. Data were analysed using descriptive statistics and regression analysis. The findings revealed that spreading investments across asset classes and sectors significantly reduced unsystematic risk and improved risk-adjusted returns. The study, however, found that many investors held overly concentrated portfolios due to limited market access and familiarity. It recommends investor education on diversification, wider product availability, and affordable access to diversified investment vehicles.

2025 — Undergraduate

Assessment of Money Market Instruments on the Liquidity of Commercial Banks in Nigeria

This study assessed the influence of money market instruments on the liquidity of commercial banks in Nigeria. A descriptive survey was conducted with treasury and operations officers in selected banks using a structured questionnaire. Data were analysed using descriptive statistics and regression analysis. The findings revealed that treasury bills, certificates of deposit, and interbank placements significantly aided liquidity management and income generation for banks. However, interest rate volatility and regulatory changes affected instrument pricing and effectiveness. The study recommends prudent portfolio management and enhanced utilisation of money market instruments for liquidity planning.

2025 — Undergraduate

Impact of Capital Market Development on Economic Growth in Nigeria

This study examined the impact of capital market development on economic growth in Nigeria. Time series data on market capitalisation, value of shares traded, and gross domestic product were analysed together with questionnaire responses from market operators. Data were analysed using regression and correlation techniques. The findings revealed that market capitalisation and trading activity significantly supported long-run economic growth through enhanced capital mobilisation and corporate investment. The study observed that low market depth and retail participation limited the market's contribution. It recommends market modernisation, investor confidence-building, and expansion of the issuer base.

2025 — Undergraduate

Influence of Financial Inclusion on Banking Sector Development in Nigeria

This study investigated the influence of financial inclusion on banking sector development in Nigeria. A descriptive survey was conducted with bank customers and branch officers using a structured questionnaire, complemented by industry data. Data were analysed using descriptive statistics and regression analysis. The findings revealed that increased account ownership, mobile banking adoption, and access to credit significantly expanded bank deposits and deepened financial intermediation. However, low digital literacy, infrastructure gaps, and trust concerns limited progress. The study recommends expanded financial education, improved rural infrastructure, and innovative low-cost banking products.

2025 — Undergraduate

Effect of Central Bank Monetary Policy on the Growth of the Nigerian Economy

This study examined the effect of Central Bank of Nigeria monetary policy on the growth of the Nigerian economy. A longitudinal design was adopted using secondary data on interest rates, money supply, inflation, and gross domestic product. Data were analysed using descriptive statistics and regression techniques. The findings revealed that policy rates and money supply growth significantly influenced credit availability, inflation, and output growth, although transmission was weakened by structural rigidities. The study also found that policy had uneven effects across sectors. It recommends coordinated monetary and fiscal measures, deepened financial markets, and improved policy transmission mechanisms.

2025 — Undergraduate