American International Journal of Business and Management Studies http://www.acseusa.org/journal/index.php/aijbms en-US aijbms@acseusa.org (Managing Editor) aijbms@acseusa.org (Administrator) Fri, 31 May 2019 17:04:13 +0600 OJS 3.1.1.4 http://blogs.law.harvard.edu/tech/rss 60 Effect of Non-Performing Loans on the Financial Performance of Commercial Banks in Nigeria http://www.acseusa.org/journal/index.php/aijbms/article/view/82 <p>The study examined the effect of Non-Performing Loans on the financial performance of commercial banks in Nigeria between the periods of 1985 to 2016. The study employed the multiple regression techniques to analyze data collated from the Central Bank of Nigeria (CBN) statistical bulletin and Nigeria Deposit Insurance Corporation (NDIC) publications for various years. The result of the study shows that Non-Performing Loans to Total Loans ratio (NPL/TLR) and Cash Reserve Ratio (CRR) had statistically negative significant effect on Return on Asset (ROA). These result shows that a high level of non-performing loans would reduce the financial performance of commercial banks in Nigeria. Consequently, the study recommends that the regulatory authorities in Nigeria should create and support an environment where commercial banks in Nigeria can have a strong risk management practices.</p> <p><strong><a href="http://www.acseusa.org/journal/index.php/aijbms/article/view/82"></a></strong></p> Okoh Gabriel, Inim Ekemini Victor, Idachaba Odekina Innocent ##submission.copyrightStatement## http://creativecommons.org/licenses/by/4.0 http://www.acseusa.org/journal/index.php/aijbms/article/view/82 Fri, 31 May 2019 17:03:44 +0600 The Determinants of Pro-Poor Growth: Evidence from Brazil http://www.acseusa.org/journal/index.php/aijbms/article/view/108 <p>Pro-poor growth is good for poverty eradication if it can be achieved. Brazil is a good example of a country where growth was pro-poor between 1981 and 2014 but the pro-poor growth was reversed in 2015. The paper examined what led to pro-poor growth between 1981 and 2014 and what may have been responsible for the reversal in 2015. &nbsp;The dynamic ordinary least squares method was used to analyse Brazilian data from World Bank Development Indicators between 1981 and 2014 for the determinant of pro-poor growth. Regression analysis shows that job creation was responsible for the pro-poor growth between 1981 and 2014. Moreover, rise in unemployment rate in 2015 was responsible for the reversal in the pro-poor growth. The result has good policy implication for poverty and inequality reduction in Brazil. &nbsp;&nbsp;</p> Joseph I Amuka, Fredrick O Asogwa, Anthony O Agu, Chukwuma C Ugwu ##submission.copyrightStatement## http://creativecommons.org/licenses/by/4.0 http://www.acseusa.org/journal/index.php/aijbms/article/view/108 Sat, 14 Sep 2019 18:01:45 +0600