Category Archives: International Journal of Sciences and Advanced Innovative Research, Volume 4, Number 3, 2019

CONTENTS

Conceptual Framework of Factors Influencing Customers’ Usage of Mobile Banking Services in Tertiary Institutions in Oyo State, Nigeria

Ayoade, Olusola Bamidele & Gbadegesin, Adegboyega Uthman ………………….….…..1

Fabrication and Properties of Okro Bast Fibre/Unsaturated polyester resin Composites

U.I Hindatu, A.T Sule K. S Abdullahi, & M. S Mato …………………………………….21

Evaluation of Activated Carbon from Coconut Husk as Standard pH Enhancer for Drilling Mud Formulation

Okologume Chinedu Wilfred & Asaboro Jefferson ………………..……………………….29

Daily Ethiopian Birr/Nigerian Naira Exchange Rates Intervention Analysis

Igboye Simon Aboko & Ette Harrison Etuk ……………………………………………..…39

Effect of Tilt Angle on the Performance of Hotovoltaic Cell in Yola, Nigeria

Dikko A. B., Pascal T., A. Alkasim, Udanyi S. A.……………………………….……..…47

Assessment of the Challenges of Informal Land Delivery System in Karu Urban Area (KUA), Nigeria

Baba, Ezekiel Bahago, Gumau, Binta Garba, Anikajogun, Bibiana Ometere ………….54

A Comparison of Probit Regression and Binary Regression

Robinson Amos Ibuchi; Okeregwu Blessing Amaka; Ockiya, Atto Kennedy; & Inamete Emem   Ndah H. ……………………………………………………………………………69

A Comparison of Probit Regression and Binary Regression

Robinson Amos Ibuchi; Okeregwu Blessing Amaka; Ockiya, Atto Kennedy; & Inamete Emem   Ndah H.

Department of Mathematics & Statistics

Ignatius Ajuru University of Education, Rivers State, Nigeria

Email: ibuchirobinsonamos@gmail.com

ABSTRACT

In this research, an evaluation of the relationship between a response variable and several explanatory variables were considered using Binary and probit regression. The methods used in the analysis were descriptive statistics and regression techniques. This research focuses on the household utilized/non utilizes primary health care services with a formulated questionnaire, which were administered to 400 households. The statistical Software packages used are M icrosoft Excel, SPSS 21 and Minitab 16. The result showed that the Binary regression model is the best fit in modelling binary response variable in form of a count data; based on the two assessment criteria employed [Akaike Information Criterions (AIC) and Bayesian Information Criterions (BIC)].

Keywords: Probit regression, Binary regression, Household Utilized/Non Utilizes Primary Health Care Services.

FISCAL POLICY AND UNEMPLOYMENT: THE NIGERIAN CONUNDRUM

Christopher N. Ekong, Joel I. Okon, and Ubong E. Effiong

Department of Economics

University of Uyo, Uyo

Email:ubongeffiong78@yahoo.com

ABSTRACT                                 

The study aimed at examining the influence of fiscal policy on unemployment in Nigeria for the period 1990-2018 with a view to ascertaining the effectiveness of fiscal policy tools in counteracting the problem of unemployment. The study used unemployment rate as the dependent variable; tax revenue, capital expenditure, recurrent expenditure and external debt as proxies for fiscal policy while inflation rate and exchange rate were introduced as control variables. Stationarity tests were carried out on the variables using the Augmented Dicker Fuller and Phillips-Perron Tests and the Johanson Co-integration Test was employed to ascertain the short-run and long-run relationship among the co-integrating equations. The OLS estimate was employed to determine the relationship between the dependent and independent variables. It was found that capital expenditure, recurrent expenditure, external debts, inflation rate and exchange rate have a positive relationship with unemployment in the long-run, only tax revenue was found to have an opposite relationship with unemployment rate. However, in the short-run, capital expenditure, recurrent expenditure and external debts reduced unemployment rate whereas inflation rate, exchange rate and tax revenue were positive. It is recommended that borrowed funds be used only for the intended productive purposes. There should be strict monitoring of government projects to ensure that every naira spent counts. The fight against corruption must be upheld to restore sanity into the polity and accountability in the use of public funds. There is need to transmogrify the economy into a productive hub, this will reduce the rate of external borrowing, inflationary pressures and enhance effective and beneficial exchange rate policy. Tax policies/regimes should not be such that discourage investments and other productive economic activities. There is need to urgently address the lack of sustained political will to implement viable economic policies and strictly adhere to every aspect of those policies. Any recommendations will be useless if not implemented to the later.

Key words: Fiscal Policy, Unemployment

Conceptual Framework of Factors Influencing Customers’ Usage of Mobile Banking Services in Tertiary Institutions in Oyo State, Nigeria

Ayoade, Olusola Bamidele & Gbadegesin, Adegboyega Uthman
Department of Computer Science
Emmanuel Alayande College of Education, Oyo, Nigeria
Email: ayoadebamidele2014@yahoo.com

ABSTRACT

This study examined factors influencing consumers’ usage of mobile banking services in tertiary institutions in Oyo State, Nigeria. A descriptive survey design was employed and a conceptual model was constructed
using extended TAM theoretical model with the inclusions of relative advantage, perceived compatibility, perceived risk, perceived credibility, social influence, perceived self-efficacy, perceived trust and perceived
awareness. The items for each construct were adapted from the previous validated constructs in literatures with little modification to suit the objectives of the study. The study employed the use of incidental random
sampling technique to select three hundred and twenty respondents from each institution making a total of one thousand, six hundred. Ten hypotheses were formulated for the study and data collected were analyzed
using stepwise regression analysis at 0.05 level of significant. The results of the study showed that ten independent variables; perceived risk (PR), relative advantage (RA), perceived trust (PT), perceived ease of use (PEOU), perceived usefulness (PU), social influence (SI), perceived compatibility (PCOM), perceived credibility (PC), perceived self-efficacy (PSE and perceived awareness (PAW) significantly influence consumers’ intention to use mobile banking services in tertiary institutions in Oyo State, Nigeria. Relative advantage is the strongest predictor of consumers’ intention to use mobile banking services in tertiary institutions in Oyo State, Nigeria followed by perceived usefulness, perceived credibility, perceived
compatibility and perceived awareness. Therefore, the providers of the service should pay much attention on relative advantage by making sure that the mobile banking services has advantage over branch banking in
accessing accounts from any location and at any time, and provides greater control and flexibility in managing the customers’ accounts. Also, banks and service providers should project higher security when providing mobile banking services and also developed a trustworthy system so as to yield higher consumer’s acceptance and usage.
Keywords: Mobile Banking, PDA, Relative Advantage, Perceived Risk, Perceived Trust, Perceived Usefulness

Fabrication and Properties of Okro Bast Fibre/Unsaturated polyester resin Composites

U.I Hindatua, A.T Suleb, K. S Abdullahib, M. S Matob
a Department of Art and Industrial Design School of Technology, Kano state Polytechnic
b Department of Fashion and Textile Technology, School of Technology, Kano State Polytechnic, Kano
Email: amirgetso@yahoo.com; Corresponding Author: A.T. Sule,

ABSTRACT

Composites of Okro bast fibres (OBF) unsaturated polyester resins (UPR) were fabricated using hand layup technique. The composites were subjected to tests to analyze their physical and mechanical properties. The density was found to decrease from 1.14 to 0.12 g/cm3 as the fibre content increased from 0 to 15%. Water absorption showed increase with increase in filler content and with increase in the number of days in water. The result obtained from the tensile strength, elongation and hardness, of the composites were all found to decrease with increased fibre content .The scanning electron microscope showed fibre pullout and cracks at the interface.
Keywords Okro bast fibre, unsaturated polyester resin, Water absorption, Hardness, scanning electron microscope and composites.

Evaluation of Activated Carbon from Coconut Husk as Standard pH Enhancer for Drilling Mud Formulation

1Okologume Chinedu Wilfred & 2Asaboro Jefferson
1,2Department of Petroleum Engineering,
Federal University of Petroleum Resources, Effurun, Nigeria
Email: 1okologume.wilfred@fupre.edu.ng, 2asajeffry13@gmail.com

ABSTRACT

In Nigeria oil and gas industry drilling operations, most of the chemicals used as pH controller are usually imported at an exorbitant price – which take a large part of the drilling/well cost and have ripple effect on the
economy of the drilling companies. This study nonetheless focuses on investigating the suitability of locally sourced materials as pH enhancer in a drilling mud program. A high pH is desirable to suppress corrosion
rate, hydrogen embrittlement and the solubility of Ca2+ and Mg2+ which makes up clay. In addition, the organic viscosity control additives benefit from the high pH.). In order to minimize drilling cost andnmaximize profit, locally made additives is being investigated to supplement the imported additives. Activated carbon from coconut husk is being envisaged for use as a pH enhancer because it is environmentally friendly in that it is degradable and has no adverse effect on the formation properties.
Nevertheless, the result from the experiment conducted in this study revealed that the local additives imparted significant pH unit of 13.0 in the drilling mud when compared to the foreign addictive such as sodium hydroxide which gave 13.5. Also, from the cost/benefit analysis, the cost of formulating laboratory barrel of drilling mud using the foreign pH additive was $ 7.15, while the cost of same volume using local additive (coconut husk) was $ 6.175, the use of local additives would save a minimum of $ 0.975.
Keywords: pH, drilling cost, profit, coconut husk, drilling mud, local additives

Daily Ethiopian Birr/Nigerian Naira Exchange Rates Intervention Analysis

Igboye Simon Aboko & Ette Harrison Etuk
Department of Mathematics
Rivers State University, Port Harcourt
Email: etuk.ette@ust.edu.ng

ABSTRACT

Daily Ethiopian Birr / Nigerian Naira exchange rates are the subject of this research work. It has been observed that in the realization between 20th March 2017 and 12th September 2017 that there is a hike in the time plot of the amounts of the Naira in a Birr as from 4th August 2017, and there is no return of the upward movement. This is an intervention scenario with 4th August 2017 as the point of intervention. An augmented Dickey Fuller unit root test adjudges the pre-intervention series as stationary at 5% significance level. The correlogram suggests a 12-monthly seasonal ARMA model which is fitted as Xt = 0.7772Xt-1 + 0.2228Xt-12 – 0.6691et-1+0.0239et-12 + et, where Xt is the series at time t and {et} a white noise process. On the
basis of this model post-intervention forecasts are obtained. An intervention model is obtained and the post-intervention forecasts closely agree with the real post-intervention series. The cause of this
intervention is assumed to be the recession in the Nigerian economy. This intervention model shall help in the devising of an intervention to redeem the Naira.
Keywords: Ethiopian Birr, Nigerian Naira, Exchange rates, Intervention modeling, ARIMA model

Effect of Tilt Angle on the Performance of Hotovoltaic Cell in Yola, Nigeria

*Dikko A. B., Pascal T., A. Alkasim, Udanyi S. A.
Department of Physics, School of Physical Sciences,
Modibbo Adama University of Technology, Yola, Nigeria
Emails: *abdikkozabi@gmail.com

ABSTRACT

Photovoltaic (PV) modules are being increasingly used in large as well as small scale installations. The performance of PV panels is affected by effect of partial shading due to trees, passing of cloud; neighbouring
buildings tilt angle and any other means. This paper is an attempt to carry out systematic study of the effect of Tilt angle on the performance of PV cell and on the Power output, Fill factor and Efficiency of solar panel.
The solar panel was first mounted at 150 to the horizontal and after 30 minutes, the voltage and current generated with the corresponding atmospheric temperature were recorded. The same procedure was repeated for angle 200, 250 and 300. The result obtained shows that the tilt angle at which a solar panel will be mounted for maximum power performance at fixed position in Yola is 240. In general, the tilt angle of the
solar panel and the orientation are dependent on the month of the year and the location of the place of research.
Keywords: Photovoltaic cell, tilt angle, power output, solar panel, fill factor, temperature