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CEDS JOURNAL VOL. 4, NO. 2, DECEMBER 2025
Authors: VOL. 4, NO. 2, DECEMBER 2025 - COVER

Date of Publication: 2025-12-31

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INVESTIGATING THE EFFECT OF GENDER DIVERSITY AND BOARD INDEPENDENCE ON CORPORATE RISK DISCLOSURE PRACTICES OF LISTED INSURANCE FIRMS IN NIGERIA
Authors: Elisha B. DANAZUMI, Ekoja B. EKOJA, Samson I. NYAHAS, Maklu N. YONLA, & Christiana J. BAKUT

Date of Publication: 2025-12-31

The study examines the effect of gender diversity and board independence on corporate risk disclosure practices of listed insurance firms in Nigeria from 2012 to 2024. The research design adopted for the study was ex-post facto design. Purposive sampling techniques was adopted to select the sample size of ten (10) listed insurance firms, where data were extracted from their financial reports. The

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STEM EDUCATION AND ENTREPRENEURSHIP: PATHWAYS TO INNOVATION AND SELF-RELIANCE IN NIGERIA
Authors: A. K. Tsafe, Ibrahim Bomala Adamu, Sadisu Umar, & Muhammad Hussaini

Date of Publication: 2025-12-31

Nigerias socio-economic development is increasingly constrained by high youth unemployment, low technological capacity, and an overdependence on imported goods and services. This paper explores the integration of Science, Technology, Engineering, and Mathematics (STEM) education with entrepreneurship as a strategic pathway toward fostering innovation and achieving national self-reliance. Drawing o

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MODERATING EFFECT OF FINANCIAL LITERACY ON THE RELATIONSHIP BETWEEN FINANCIAL TECHNOLOGY AND FINANCIAL INCLUSION IN GOMBE STATE, NIGERIA
Authors: Ummulkhairat Adamu Gombe & Adamu Abdulkadir

Date of Publication: 2025-12-31

This paper investigates the moderating effect of financial literacy on the relationship between financial technology and financial inclusion among small and medium enterprises (SMEs) in Gombe State, Nigeria. Anchored on the Technology Acceptance Model (TAM), the study adopts a cross-sectional survey design. A total of 290 questionnaires were administered to registered SMEs across the three senator

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ADVANCING SPEECH-TO-TEXT ACCESSIBILITY WITH ARTIFICIAL INTELLIGENCE: ENHANCING AUTOMATIC SPEECH RECOGNITION FOR REAL-TIME AND POST-PRODUCTION USE IN NIGERIA
Authors: Muhammad A. Alkali, Abubakar Ismail, Adamu A. Yarma, Abubakar M. Abiola, Amina U. Maigari, Abbas G. Danladi, Muazu Umar, & Adamu Bappi

Date of Publication: 2025-12-31

Artificial Intelligence (AI) has greatly contributed to the availability and precision of the Automatic Speech Recognition (ASR) systems, allowing real-time and post-production speech-to-text uses. This paper compared the performance of the most popular ASR platforms, including OpenAI Whisper, Google Speech-to-Text, and Amazon Transcribe, on the basis of the quantitative metrics, as well as qualit

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GENDER DYNAMICS AND SUCCESSION PLANNING IN FAMILY BUSINESSES: EVIDENCE FROM ONDO STATE, NIGERIA
Authors: IBITOMI Taiwo, JOHN Blessing Abecan, ALABI Ezekiel, & JIMOH Faridat Abiodun

Date of Publication: 2025-12-31

Succession in family business is a crucial component for business continuity and most of the family business successors are males which shows that leadership is skewed against females. This study explored gender dynamics and succession planning in family businesses: Evidence from in Ondo State. The study focuses on the perception about the succession process in family businesses related gender iss

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INVESTIGATING THE ROLE OF DIGITAL FINANCE IN THE FINANCIAL RESILIENCE OF SMALLHOLDER FARMERS IN ADAMAWA STATE, NIGERIA
Authors: Mandara Binta Mamman & Hassan Ibrahim Bakari

Date of Publication: 2025-12-31

Smallholder farmers frequently experience exclusion from formal financial systems, and this situation constrains their productive capacity, heightens vulnerability to shocks and weakens their ability to cultivate resilience. This paper explores the contribution of digital finance to the financial resilience of smallholders in Adamawa State, North-East Nigeria; a region simultaneously navigating ec

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REPOSITIONING EDUCATION FOR ECONOMIC EMPOWERMENT AND SELF-RELIANCE AMONG UPPER BASIC STUDENTS IN NIGERIA
Authors: Martins I. ONWUKA, Fatima B. SANI, & Aishatu A. TONGO

Date of Publication: 2025-12-31

This paper explored the need for repositioning education for economic empowerment and self-reliance among upper basic students in Nigeria. Education remains a vehicle for economic emancipation. Accordingly the current education reform in Nigeria focused on a comprehensive overhaul of the erstwhile education structure. The reform aimed to create a more relevant and skills-based education. It aimed

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DETERMINANTS OF CONSUMPTION BEHAVIOUR AND BUYING PATTERNS AMONG UNDERGRADUATE STUDENTS AT THE UNIVERSITY OF ILESA, ILESA, OSUN STATE, NIGERIA
Authors: Taiwo IBITOMI, Faridat A. JIMOH , Morohunmubo O. AKINRINLOLA, & Betty A. KOSILE

Date of Publication: 2025-12-31

This study investigates the determinants of consumption behaviour among undergraduate students at the University of Ilesa, Ilesa, Osun State, Nigeria, addressing a gap in empirical research on student consumption patterns in the Nigerian context. Employing a survey research design, the study targeted the entire population of 4,582 students across nine faculties. Using a multi-stage sampling techn

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BRIDGING THE FUNDING GAP: A COMPARATIVE STUDY OF ENTREPRENEURIAL FINANCE IN DEVELOPING VS. DEVELOPED NATIONS
Authors: Okusanya A. Opeyemi, Akeju A. Babajide, Olatuyi O. Grace, Adesina J. Adenuga, & Abdulgaffar Muhammad

Date of Publication: 2025-12-31

This study examines the evolution and comparative dynamics of entrepreneurial finance accessibility between developed and developing nations from 2000 to 2024, using Global Entrepreneurship Monitor (GEM) National Expert Survey data. The analysis explores annual mean score trends, slope differentials, and variability in financial accessibility to identify whether developing nations are closing the

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ASSESSING THE EFFECT OF NASARAWA STATE YOUTH EMPOWERMENT AGENCY (NAYEA) ON EMPLOYMENT GENERATION
Authors: Isa Dantala Samson, Canice E. Erunke, & Luka Ruth Caleb

Date of Publication: 2025-12-31

This study examines the effect of the Nasarawa State Youth Empowerment Agency (NAYEA) on employment generation among youths in Nasarawa State. The research is situated within the broader national concern over rising youth unemployment and the associated increase in social vices, a trend exacerbated by the diminishing availability of white-collar employment in Nigeria. In response to these challeng

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BEYOND OFFICE WALLS: REMOTE WORK AND EMPLOYEE PERFORMANCE IN NIGERIA
Authors: Olayiwola, Peter O., Iyobhebhe, Itohan, & Adetona, Oluwanifemi M.

Date of Publication: 2025-12-31

The growing trend in the use of remote and flexible work methods has raised concerns about their actual productivity effects, as expenditures on communication and technology, as well as flexible time patterns, are not necessarily translated into concrete performance increases. Therefore, the study investigated the effect of remote work on employees' performance in Lagos, Nigeria, to provide practi

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ENVIRONMENTAL PRACTICES AND HOTEL PERFORMANCE IN MINNA, NIGER STATE: THE ROLE OF COMPETITIVE ADVANTAGE
Authors: Grace M. Jiya

Date of Publication: 2025-12-31

This study examines the effect of environmental practices on hotel performance in Minna, Niger State, Nigeria. The hospitality industry is increasingly adopting green initiatives to minimize environmental degradation while enhancing competitiveness. Despite this global shift, empirical evidence from the Nigerian hospitality sector particularly in Niger State remains limited. The study investigated

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IMPACT OF FUEL SUBSIDY REMOVAL ON ROAD INFRASTRUCTURAL DEVELOPMENT IN THE FEDERAL CAPITAL TERRITORY, ABUJA
Authors: Ekwem Virginus Ezidowa N., Canice E. Erunke, & Luka Ruth Caleb

Date of Publication: 2025-12-31

This study examines how the removal of fuel subsidies in Nigeria has affected road infrastructure development in the Federal Capital Territory (FCT), Abuja. Fuel subsidy removal, a major and often controversial policy shift, was intended to free public funds for critical sectors such as infrastructure. The research assesses whether fiscal resources released from subsidy withdrawal have influenced

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ASSESSING THE IMPACT OF CAPITAL MARKET ON ECONOMIC GROWTH IN NIGERIA: EVIDENCE FROM ARDL APPROACH
Authors: Ibrahim Imam, Yusuf Yunusa, Moshood O. Habeeb, Gideon O. Ibeakuzie, Ayuba O. Yisau Praises V. Uwua & Muhammad Usman

Date of Publication: 2025-12-31

The prevailing challenges in the world financial markets, especially the capital market justify the various forms of reforms going on around the World. Conversely, this study examines the impact of Capital Market on Economic growth in Nigeria for the period 1974 – 2024. The study adopted Autoregressive Distributive Lag (ARDL) model and applied on time-series data for Nigeria. The findings of the

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EFFECTS OF ENTREPRENEURSHIP TRAINING ON POVERTY ALLEVIATION IN MAIDUGURI METROPOLITAN COUNCIL (MMC) BORNO STATE NIGERIA
Authors: Yusuf Yunusa, Praises V. Uwua, Moshood O. Habeeb, Ayuba O. Yisau, Ibrahim Imam & Gideon O. Ibeakuzie

Date of Publication: 2025-12-31

The need to reduce poverty to the bare minimum has been a significant issue for numerous countries. This is due to the fact that poverty dehumanizes people and jeopardizes the political, social, and economic stability of all countries. This study investigates the effects of entrepreneurship training on poverty alleviation in Maiduguri Metropolitan Council. The study administered questionnaires. Th

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AN ECONOMIC ASSESSMENT OF THE RELATIONSHIP BETWEEN FERTILITY OUTCOMES AND POVERTY INCIDENCE IN EBONYI STATE, NIGERIA
Authors: Joel O. Ugwuozor, Ngozika M. Nwakeze & Ernest S. Odior

Date of Publication: 2025-06-30

This study explores the complex link between fertility outcomes and poverty incidence in Ebonyi State, Nigeria. Relying on a household’s survey of 590 respondents, descriptive statistics and multiple regression analysis were used to test Becker’s microeconomic theory of fertility and assess how socioeconomic factors influence the fertility-poverty nexus. The result of the descriptive statistic

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CEDS JOURNAL VOL. 4, NO. 1, JUNE 2025
Authors: Centre for Entrepreneurship Development Studies Gombe State University

Date of Publication: 2025-06-30

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THE INTERPLAY OF SOCIAL NETWORK AND STAKEHOLDER INVOLVEMENT FOR SUSTAINABILITY PRACTICES IN MICRO ENTERPRISES IN PLATEAU STATE, NIGERIA
Authors: Ayiki J. Sati , Maklu Nanteer Yonla, Gideon H. Tata, Henrrieta Fakah, Sallah B. Naanman, Peter Chuwang & Yakubu I. Itse

Date of Publication: 2025-06-30

Microenterprises in Plateau State, Nigeria, play a crucial role in the development of local economic activities. However, many of these businesses struggle to adopt and maintain sustainable practices related to the triple bottom line. Despite the increasing recognition of the importance of sustainability, challenges such as limited stakeholder involvement and weak social network structures often h

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STRATEGIC MANAGEMENT AND SMALL AND MEDIUM ENTERPRISES GROWTH IN NIGERIA: A LITERATURE REVIEW
Authors: Musa Jeremiah Akache, Ekoja Imawa Elizabeth, Ogundare Nathaniel Jide

Date of Publication: 2025-06-30

This literature review explores the critical role of strategic management in fostering the growth of Small and Medium Enterprises (SMEs) in Nigeria, a sector pivotal for economic diversification and resilience. SMEs contribute approximately 48% to Nigeria's GDP and employ 84% of the workforce, yet face significant challenges, including inadequate infrastructure, limited access to finance, and high

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IMPACT OF DIGITALIZATION ON TAX ADMINISTRATION IN ADAMAWA STATE BOARD OF INTERNAL REVENUE YOLA-NIGERIA
Authors: Sani Alhaji Saidu & Ahmed Bakari Mauda

Date of Publication: 2025-06-30

The objective of this study is to examine the Impact of Digitalization on Tax Administration in Adamawa State Board of Internal Revenue Yola-Nigeria. The study is a survey in the form of cross-sectional study in which data was collected through questionnaire administered to 187 respondents. Data collected was subjected to percentage analysis and hypotheses were tested using regression analysis at

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PERCEIVED INFLUENCE OF ENTREPRENEURIAL ORIENTATION ON GROWTH OF MICRO ENTERPRISES AMONG STUDENTS OF PUBLIC TERTIARY INSTITUTIONS IN SOKOTO STATE
Authors: Yusuf Buhari, & Murjanatu Muhammad Mahe

Date of Publication: 2025-06-30

This study examines the influence of entrepreneurial orientation (EO), particularly innovation orientation (IO) and customer orientation (CO), on the growth of micro-enterprises run by tertiary institutions students in Sokoto State, Nigeria. The research was driven by the need to explore how entrepreneurial traits influence business success, especially in a developing economy where micro-enterpris

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EFFECTS OF ENTREPRENEURSHIP EDUCATION ON VENTURE CREATION AND EMPLOYABILITY AMONG GOMBE STATE UNIVERSITY GRADUATES
Authors: Ahmed Aliyu Palladan, Abubakar Mahmud Tukur, Sayeji Ahmed, & Usman Halima

Date of Publication: 2025-06-30

The study investigated the effects of entrepreneurship education on venture creation and employability among Gombe State University graduates. Two research objectives were formulated to guide the study. A survey research design was employed, with a population comprising 1,300 Venture Creation students at Gombe State University. A sample of 297 students was selected using a simple random sampling t

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THE EFFECT OF SKILLS MISMATCH ON MICRO, SMALL AND MEDIUM SCALE ENTERPRISE OUTPUT IN PLATEAU STATE, NIGERIA
Authors: Wushibba Bako, Yohanna Panshak, & Niri Martha Choji

Date of Publication: 2025-06-30

Firms have the goal of maximizing both output and profit. This can be facilitated or hampered by skills mismatch. This study sought to find out how skills mismatch affect the output growth among micro, small and medium scale enterprises (MSMEs) in Plateau State. Questionnaires were administered using random sampling technique on 670 respondents from which 301 were used for the study which was a re

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QUANTIFYING THE MODERATING ROLE OF CITIZENSHIP BEHAVIOR ON PSYCHOLOGICAL SAFETY AND TEAM PERFORMANCE OF ACADEMIC INSTITUTIONS IN NIGERIA
Authors: Hauwa A. MUSTAPHA , Yazeed MUHAMMAD, & Suleiman A. RICHIFA

Date of Publication: 2025-06-30

This study provides a novel theoretical framework for explaining the link between psychological safety, citizenship behavior, and team performance. The goal of this study is to better understand the function of organizational citizenship behavior as a moderator of psychological safety and team performance among employees at Kaduna's higher education institutions. The study used a survey-based cros

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IMPACT OF DEPOSIT MONEY BANKS ON MANUFACTURING SECTOR OUTPUT IN NIGERIA
Authors: Kafayat A. Adeshina, Ayodeji Salihu, Yakubu Alfa, & Ilemobola S. Oyefabi

Date of Publication: 2025-06-30

This study uses annual time series data spanning 1990 to 2023 to investigate the impact of deposit money banks on manufacturing sector output in Nigeria. The result of the ARDL model shows that credit to manufacturing sector (LCMS) has an insignificant negative impact on manufacturing output (LMSO), exchange rate (LEXR) has a positive insignificant impact on manufacturing output (LMSO), interest r

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DOES GOVERNANCE QUALITY ENHANCE DEVELOPMENT? EVIDENCE FROM SELECTED COUNTRIES IN SUB-SAHARAN AFRICA
Authors: Friday Ojonugwa Godwin, Joy Eleojo Ebeh, & Adegboyega Alimi Oyediran

Date of Publication: 2025-06-30

The effectiveness of macroeconomic policy in driving sustainable development is closely tied to the quality of governance and institutional frameworks. Sub-Saharan Africa (SSA), despite its potential, continues to face governance challenges that hinder its development. Existing literature has primarily focused on governance’s impact on economic growth, often neglecting broader development dimens

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AN ASSESSMENT OF THE IMPACT OF THE ADOPTION OF CRYPTOCURRENCY ON YOUTH EMPLOYMENT IN KANO METROPOLIS, NIGERIA
Authors: Maryam Yahaya, & Muhammad Ibrahim Abdullahi

Date of Publication: 2025-06-30

This study investigates the potentials of cryptocurrency on youth employment in Kano Metropolis, Nigeria. The research explores the relationship between cryptocurrency usage and youth employment, with a focus on understanding how its adoption can create new economic opportunities. Primary data were collected through structured questionnaire administered to 200 respondents selected among youths age

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RETHINKING INCLUSIVE ENTREPRENEURSHIP EDUCATION IN UNDERSERVED COMMUNITIES: A THEORETICAL EXPLORATION OF ARTIFICIAL INTELLIGENCE AND DIGITAL BUSINESS PLATFORMS IN NIGERIA
Authors: Omoyajowo B. Stephen. Ayeni Deborah, Babatunde I. Bambi, & Gift C. Ashowo

Date of Publication: 2025-07-30

This theoretical paper critically explores the intersection of Artificial Intelligence (AI), digital business platforms, and inclusive entrepreneurship education in underserved communities across Nigeria. Despite increasing attention to digital transformation globally, structural barriers such as educational inequality, digital illiteracy, and infrastructure deficits continue to limit entrepreneur

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ENHANCING HUMAN, STRUCTURAL, AND RELATIONAL CAPITAL ON STARTUP PERFORMANCE OF NIGERIAN AGRIC-ENTREPRENEURS: THE MEDIATING ROLE OF ENTREPRENEURIAL SELF-EFFICACY
Authors: Abdulmumini S. Richifa. O. D Y Malachy, Nasiru Abdullahi, & Sani Abdullahi

Date of Publication: 2025-06-30

The agricultural sector is a critical driver of economic growth and food security in Nigeria, yet many agribusiness startups struggle with performance challenges. This study examines the role of human, structural, and relational capital in enhancing the performance of Nigerian agripreneurs, with a specific focus on the mediating role of entrepreneurial self-efficacy (ESE). This study adopts a quan

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