Browsing by Author "Nwadibu, A."

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    Asset structure and Profitability Nexus – Evidence from Commercial Banks in Nigeria
    (Society for Science and Education (SSE), 2019) Onwuka, I. O.; Nwadibu, A.
    This paper investigated the Impact of Capital Structure on Profitability of Commercial Banks in Nigeria, between 2005 and 2014. The study carried out Static Analysis of the Nexus between Capital Structure and Profitability of Commercial Banks in Nigeria, with focus on 10 selected Commercial Banks in Nigeria. The techniques of Pooled OLS Estimation, Fixed Effect Estimation (FEE) and Random Effect Estimation (REE) were employed in an attempt to arrive at the most consistent and efficient static estimation of the Panel Mode. The proxies of Debt Finance (DF), Equity Finance (EF) and Debt Equity Ratio (DER) for Capital Structure while Profit after Tax (PAT) is used as a measure of Bank Profitability. The result of the study showed that Debt Finance exert positive but insignificant influence on Commercial Bank’s Profitability, while the ratio of Debt-Equity influence on Commercial Banks’ Profitability was found to be negative for the period investigated. The study therefore recommend that Commercial Banks should be more levered as this significantly influence the level of Profitability, however they should adopt the right finance mix that is not extremely lopsided to obtain the right balance between Business and Financial Risk.
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    Impact of covid-19 pandemic on microfinance banks in Nigeria
    (Savings and Development, 2022) Onwuka, I. O.; Nwadibu, A.; Okwara, U. K.
    The outbreak of the novel coronavirus (COVID-19) has created existential challenges to the Nigerian economy especially the microcredit delivery system and microfinance institutions that serve the poor and vulnerable groups in the country. The study investigated the impact of Covid-19 pandemic and the government mandated lockdown on the activities of microfinance banks (MFBs) in Nigeria using the exploratory and content analytical technique. The study found that all the key performance indicators (KFIs) of MFBs have been negatively affected by the Covid-19 pandemic. In particular, the study found that the asset quality of MFBs has deteriorated with high level of portfolio at risk (PAR). The pandemic has also affected the capital adequacy of MFBs especially the state and unit MFBs due to increased and large provisioning for loan losses. In consequence, the shareholders’ funds for most of the state and unit MFBs have been seriously eroded and impaired by losses. Among others, the study recommended for an urgent regulatory forbearance and injection of liquidity in the sector by the Central Bank of Nigeria through a bail-out and to enlarge the CBN discount window to accommodate eligible MFBs to discount facilities that are hitherto only available to deposit money banks (DMBs).