INTERNATIONAL JOURNAL OF MANAGEMENT AND DEVELOPMENT STUDIES (IJMDS)

© Department of Finance

Ekiti State University, Ado Ekiti, Nigeria.

The Nigerian Journal of Banking and Financial issues (NJBFI) provides a unique forum for the articulation and dissemination of applied research by academics and professionals in the field of Banking and Finance or related disciplines. It is bi-annual Journal published by the Department of Finance, Ekiti State University, Ado Ekiti, Nigeria.

The Journal contains analysis of Banking and Financial Issues relevant to the Nigeria Economic experience and financial policies. Opinions expressed herein are those of the authors and not necessarily those of the Department of Finance.

All right reserved. No part of this publication may be reproduced or transmitted in any form or by any means. electronic, mechanical, photocopying, recording or otherwise of series in any retrieval system of any nature, without the prior written permission of the copyright holder.

Subscription Rate:                    Nigeria

                                                                      Students:               N2,000

                                                                      Others:                  N2,500

                                                  Foreign                                      US $25

Volume 10 No. 2, September 2024

ISSN: 119 - 8494

Printed in Nigeria by:

Department of Finance

Ekiti State University,

Ado Ekiti,

Nigeria.

Tel: 08035023117,

        080283887163.

EDITOR -IN- CHIEF:       PROF. J. A. OLOYEDE

MANAGING EDITOR:    PROF. (MRS) B. A. AZEEZ

ASSOCIATE EDITOR:    DR. F. T. KOLAPO

ADVISORY BOARD

PROF. WOLE ADEWUNMI

PROF. W. I. IYIEGBUNIWE

PROF. S. I. OWUALAH

PROF. (MRS) E. O. ADEGBITE

PROF. FAMOUS IZEDOME

PROF. A. A. AWE

PROF. T. M. OBAMUYI

PROF. S. O. AKINMULEGUN

PROF. F. M. EPETIMEHIN

PROF. S. A. TELLA

PROF. R. O. SOMOYE

EDITOR

PROF. S. O. ADEUSI

PROF. A. O. ADARAMOLA

PROF. DAPO FAPETU

PROF L. B. AJAYI

PROF M. O. OKE

PROF. L. A. SULAIMAN

1. J. O. MOKOLU
2. J. A. AJAYI

BUSINESS MANAGERS

1. S. O. DADA
2. MRS. O. G. OBISEAN
3. MRS. A. O. ADEJAYAN
4. DR. I. E. AJAYI

CALL FOR PAPERS

The Nigerian Journal of Banking and Financial Issues (NJBFI) provides a unique forum for the articulation and dissemination of applied research by academics and professionals in the field of Banking and Finance or related disciplines. It is a bi-annual Journal published by the Department of Finance, Ekiti State University, Ado Ekiti, Nigeria.

Interested contributors are invited to submit well researched papers which have not been published either in whole or part in any journal.

• Three copies of the manuscript should be submitted, each copy of which must be typed on one

side of A4 sized paper only and double spaced.

• Manuscript should not exceed twenty pages, including notes, references, table and chart.
• The cover page of each manuscript should contain title of papers, names(s) and additional

authors(s).and affliations.

• An abstract of not more than 120 words typed single spaced on a separate sheet preceding the

main text. The short abstract should summarize the main argument of the article.

• Bibliographical references should be indicated in the text using the author date style with page

numbers where necessary. All reference must adopt America psychological Associate (APA)

7^th edition and reference pattern.

• Table and charts should be placed as close as possible to relevant discussion.
• Manuscript which do not conform to these guidelines may be returned unprocessed.

All manuscript and other correspondences should be sent to:

The Managing Editor,

Journal of Banking and Financial Issues,

C/0 Department of Finance,

Ekiti State University,

Ado Ekiti, Nigeria.

OR

The Business Editor:

Department of Finance

E-mail: samuel.dada@eksu.edu.ng