GPH-International Journal of Applied Management Science

Trade Finance and Economic Growth in Nigeria: A Fully Modified OLS Approach

Aminu Bala, Mojekwu Ogechukwu Rita — Sat, 10 Jan 2026 10:50:27 +0000

The study examined trade financing and economic growth in Nigeria from 1981 to 2024. The World Development Indicators and the Statistical Bulletin of the Central Bank of Nigeria were the primary sources of secondary data applied in the research. Real GDP serves as the dependent variable, with Nigeria's export credit, import credit, and letter of credit serving as the explanatory factors in the study. Full Modified Ordinary Least Squares (FMOLS) is an econometric technique that was applied to examine the data. The results showed that real GDP is positively affected by a rise in export trade credit. The same holds true for import trade credit; it boosts real GDP. Real GDP is negatively impacted by the issue of the letter of credit. The research found that trade financing helped Nigeria's economy grow over the studied period. The study consequently recommends that, import trade should be more on capital-intensive goods where Nigeria has a disadvantage in either production or expertise, credit to the private sector should be channeled into the production of capital goods and services which will attract more foreign exchange into the country.

L'IA Générative comme levier du Management Augmenté: Une analyse stratégique pour l'industrie du câblage automobile en Tunisie

Wafa Saoudi — Tue, 27 Jan 2026 08:40:32 +0000

L’intelligence artificielle générative (IAG) s’impose aujourd’hui comme un levier stratégique majeur de transformation des pratiques managériales. Inscrite dans la dynamique du Marketing 5.0, elle redéfinit le rôle du manager en l’orientant vers un modèle de management augmenté, fondé sur la collaboration homme–machine. Toutefois, un écart persiste entre les promesses théoriques de l’IAG et sa mise en œuvre concrète dans les environnements industriels à forte intensité opérationnelle. Cet article adopte une démarche exploratoire afin d’analyser l’impact réel de l’IAG sur le management opérationnel dans l’industrie du câblage automobile, à travers une étude de cas menée sur le site d’une entreprise industrielle en Tunisie. En combinant une revue de littérature structurée et une enquête quantitative auprès de 120 employés, l’étude met en évidence un paradoxe central : une forte reconnaissance du potentiel de performance de l’IAG, associée à des craintes liées au remplacement humain et à un besoin massif de formation. Les résultats soulignent que le principal défi de l’IAG n’est pas technologique, mais humain et organisationnel. L’article propose ainsi une feuille de route stratégique articulée autour de la co-construction des outils, de l’acculturation managériale et d’une éthique de la transparence, afin de faire de l’IAG un véritable catalyseur d’un management à la fois performant et humaniste.

CORRUPTION AND ECONOMIC PERFORMANCE IN NIGERIA

Iferi E. Willie, Leyira C. Micah — Tue, 10 Feb 2026 11:31:53 +0000

This study aimed to examine the impact of corruption on economic performance in Nigeria. It sought to determine whether corruption acts as factor that disrupts economic growth rate and per capita income income. To achieve these objectives, the study employed panel data for the year 1996-2024 with respect to corruption perception index (CPI). Additionally, the study employed causal analysis techniques to establish a deeper understanding of the causal relationships between corruption, and economic performance. This was followed by estimating a co-integration regression using the multiple regression method. The empirical results show that corruption did not significantly influence economic growth rate and per capita income in Nigeria. The study recommends that the National Bureau of Statistics (NBS) should develop and publish disaggregated corruption indices and tax effort scores by geopolitical zone, to guide targeted anti-corruption and tax reform interventions. The findings clearly state that the unfavourable of economic growth is not due to corruption. But, if the government successfully controls corruption, tax collection will be increased which ensures self-sustaining economic growth.

The Role of Generative AI in Structuring Organizational Knowledge

Firas Adredah Mansoor, Zaid Mustafa Abdalrazzaq — Thu, 12 Feb 2026 00:00:00 +0000

The study aims to measure the level of awareness of the study sample about generative AI technologies, and evaluate the actual and expected impact of using generative AI on the quality and efficiency of institutional knowledge structuring processes, and determine the power and impact of generative AI in its dimensions, (cognitive and applied) on the effectiveness of knowledge structuring. The descriptive-analytical approach was adopted in the study side by side with questionnaire, observation and standardizes interview were used as a method of collecting data. Also the SPSS statistical program version 23 was used to analyze the results of the study, and the study came out with a number of results, most notably: The level of awareness and perception of the benefits of generative AI (cognitive dimension) came in first place with a high arithmetic average (4.15), It was found that there is a clear disparity as the awareness and perception of the benefits of generative AI exceeds the level of its actual application in the organization (application dimension 3.80). The low standard deviation values (less than 0.80) indicate a great homogeneity in the opinions of the sample members about the various dimensions of the study, and there is a very strong and statistically significant direct correlation between generative artificial intelligence and knowledge structuring, where the correlation coefficient reached (0.75), the multiple regression model also proved to be statistically valid and predictable, with a significance value of (0.000) less than 0. The cognitive and applied dimensions together explain a very high rate of 64% of the variance in the effectiveness of institutional knowledge structuring (R2 0.64).

BOARD ATTRIBUTES, CORPORATE GOVERNANCE COMPLIANCE AND CAPITAL ADEQUACY OF COMMERCIAL BANKS IN NIGERIA

NURHE, Florence Dadiroro, JEROH, Edirin, EBIAGHAN, Frank Orits — Wed, 18 Feb 2026 08:30:13 +0000

This study investigated the effect of board attributes and corporate governance compliance on the capital adequacy of commercial banks in Nigeria, focusing on eight banks with international licenses as of 31 December 2023 over the period 2013–2023. Adopting an ex-post facto research design, data were obtained from the published annual reports of the sampled banks and analyzed using both descriptive and inferential statistical techniques. The findings reveal that board meetings and corporate governance compliance exert a significant negative influence on capital adequacy, while board size has a negative but statistically insignificant effect. The results suggest that larger boards and more frequent meetings do not necessarily translate into stronger capital positions, thereby calling for a critical reassessment of existing governance strategies. Furthermore, higher levels of corporate governance compliance were not found to enhance banks’ capital base. The study recommends that bank boards periodically evaluate the effectiveness of meetings and reassess board size to strike a balance between diverse expertise and efficient decision-making. It contributes to the literature by providing fresh empirical evidence on governance compliance and capital adequacy within the Nigerian banking sector.

EFFECT OF EMPLOYEE SATISFACTION ON PERFORMANCE OF BENUE STATE CIVIL SERVANTS, IN BENUE STATE, NIGERIA

AONDOKIGHIR, Terzungwe, ADOROUGH Terzungwe — Fri, 27 Feb 2026 09:44:23 +0000

This study examined the effect of employee satisfaction on performance of Benue State civil servants, Nigeria, focusing on the impact of compensation, promotion, and work environment. Herzberg’s Two-Factor Theory (1959) served as the theoretical foundation. A survey research design was adopted, with a population of 14,966 civil servants. Data were collected via an adapted questionnaire. Analysis was conducted using multiple regression in SPSS Version 27. The findings indicate a strong positive association between employee satisfaction and performance (R = 0.744), with employee satisfaction explaining 59.9% of performance variance (R² = 0.599). Compensation and work environment significantly and positively influence performance, while promotion, as currently practiced, has a negative effect, likely due to perceived unfairness or lack of transparency. The study concludes that enhancing compensation, improving workplace conditions, and implementing merit-based promotion policies are essential for boosting performance. Recommendations include competitive salary structures aligned with economic realities, merit-based promotion systems, and strengthened workplace safety measures to create a secure and motivating environment.

Digital Transformation and Profitability of Deposit Money Banks in South-South Region of Nigeria

GPH International Journals — Fri, 27 Feb 2026 00:00:00 +0000

This study empirically looks at the relationship between digital transformation and profitability of Deposit Money Banks (DMBs) in South-South region of Nigeria. The study adopted a cross-sectional research design, with the participants of the study being 609 respondents of (DMBs) in South-South region of Nigeria. A sample size of 242 respondents was determined using Taro Yamanes formula. Data were analysed using the multivariate regression and the analysis of variance (ANOVA) techniques. The findings show that digital transformation has a significant positive impact on profitability. In this regard, the research concluded that digital transformation has an effect on profitability. The results of the hypotheses tested showed that artificial intelligence driven and digital currency do not have significant relationships with the profitability of Deposit Money Banks, as both variables recorded very high p-values. This indicates that among the three digital financial technologies examined; only open banking contributes significantly to the profitability of Deposit Money Banks, while artificial intelligence driven and digital currency do not demonstrate notable direct influence in this context. Based on this conclusion, the study recommended that Deposit Money Banks are to strengthen and develop their open banking initiatives because this digital innovation has proven the presence of a positive and powerful effect on profitability. Deposit money banks should streamline their AI plans by focusing on the use cases that prove to be efficient regarding operational efficiency, fraud detection, customized services, and credit-risk evaluation. Finally, they must review their digital currency plans by raising their customer awareness, informing the customer about the advantages and threats and enhancing digital currency infrastructure to facilitate adoption.