Vol. 9 No. 1 (2023): Nigerian Journal of Banking and Financial Issues

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 tested disciplines. It is biannual journal published by the Department of Finance, Ekiti State University, Ado Ekiti, Nigeria.

The Journal contains analysis of banking and finance issues relevant to the Nigeria economic experience and financial policies. Opinions expressed herein are these of the authors and her 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

ISSN: 1119 - 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: DR.(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

PROF. S. O. ADEUSI PROF. A. O. ADARAMOLA DR. L. B. AJAYI

1. M. O. OKE
2. L. A. SULAIMAN DR. J. O. MOKUOLU DR. DAPO FAPETU DR. J. A. AJAYI

1. S. O. DADA

DR.MRS. O. G. OBISESAN DR. MRS. A. O. ADEJAYAN DR. I. E. AJAYI

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 tested disciplines. It is biannual 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 provide published either in whole or part in any journal.

i  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.

1. Manuscript should not exceed twenty pages, including notes, reference, table and chart
2. The cover page of each manuscript should contain title of papers, names(s) and additional of author(s)
3. An abstract of not more than 120 words typed single spaced on a separate sheet book precede the main text. The short abstract should summarize the main argument of the article
4. Bibliographical references should be indicated in the text using the author data style with page numbers where necessary. All reference must adopt America psychological Associate (APA) current style and reference pattern.
5. Table and charts should be placed as close as possible to relevant discussion. End noted should be numbered consequently, and should not solely comprise references.
6. Manuscript which do not conform to these guidelines may be returned

The Managing Editor:

Journal of Banking and Financial Issues C/o Department of Finance

Ekiti State University, Ado -Ekiti, Nigeria.

OR

The Business Editor: Department of Finance,

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