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Search Results: 1 - 10 of 9727 matches for " Adamawa State "
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Targeted Sensitization as a Strategy to Reducing Loan Default in Microfinance Bank Operations in Yola, Adamawa State, Nigeria  [PDF]
Shuaib Jalaludeen, Ferdinand Che, Fatima Jalal-Eddeen
Open Access Library Journal (OALib Journal) , 2018, DOI: 10.4236/oalib.1104275
Abstract:
Background: In Nigeria and other developing countries, the main reason for poverty and uneven income and wealth distribution is low economic growth performance and low labor returns amongst others. The growing gap between the rich and the poor in the developing countries is alarming hence the need for government and policy makers to focus more toward ensuring a fair distribution of wealth among its populace. Although progress has been made toward poverty reduction in Nigeria, still more needs to be done to narrow this unacceptable gap so as to achieve the needed economic and social growth for society to thrive. In an attempt to address this gap, the central bank of Nigeria came up with the microfinance policy in 2004 and the sole purpose was to give micro, small and medium enterprises access to informal financial services to boost their capacity towards economic growth and development. However, the biggest threat to operations of the microfinance institutions is loan default, a situation where the clients do not fulfill payment of their credit facilities when due. Methods: This mixed method cross-sectional study used a questionnaire to collect responses from eligible persons. The participants in the survey are clients from three randomly selected microfinance institutions in Yola, Adamawa State, Nigeria. The collated data were analyzed using SPSS version 24 and simple Microsoft Excel to look at reasons for defaulting loan repayment and whether targeted sensitization has any significant role in reducing loan default rates. Results: Out of the 150 (100%) questionnaires distributed, 70 (46.7%) were returned and used for the analysis. Reasons for default in repayments revealed short repayment period (40%), multiple loans (11.43%), high-interest rates (2.86%), family obligations (20%) and poor business turnover (25.71). Of the 52.86 percent of the respondents who claim they were contacted by their respective microfinance institutions for sensitization programs, 94.74 percent found the sensitization program helpful. Conclusion: This study has underscored the importance of targeted sensitization as an important strategy in reducing loan defaults in microfinance operations. Similarly, there is the need for further studies to look at the impact of multiple borrowing on loan repayment by the clients.
Spinel-Bearing Lherzolite Xenoliths from Hosséré Garba (Likok, Adamawa-Cameroon): Mineral Compositions and Geothermobarometric Implications  [PDF]
Nguihdama Dagwai, Chazot Gilles, Kamgang Pierre, Mbowou Gbambié Isaac Bertrand, Ngounouno Isma?la
International Journal of Geosciences (IJG) , 2014, DOI: 10.4236/ijg.2014.512117
Abstract: Spinel-bearing lherzolite xenoliths from the Hossere Garba (1272 m.a.s.l) volcano on the Adamawa Plateau, is located in Likok village, at about 35 km to WSW of Ngaoundere. These xenoliths (~11 cm size) have been sampled into the host basaltic lava flows from the NE flank of the Hossere Garba volcano. These xenoliths characterized by porphyroclastic texture consisted of olivine (~55 vol.%), orthopyroxene (~19 vol.%) and clinopyroxene (~21 vol.%) crystals. Spinel crystals (~5 vol.%) are red brown and interstitial between the crystals of olivine and pyroxenes. CaO contents are low (<0.08 wt%) in olivine and similar to those estimated (CaO: 0.05 - 0.1 wt%) for the mantle origin. The values of AlVI/AlIV ratio range between 1.1 and 1.3 for the Cr-diopside crystals from Hossere Garba xenoliths. The constant value of the volumes V(Cell) and V(M1) for clinopyroxene compositions, indicates the similar pressures. Hossere Garba represents a residual sequence issued from partial melting of a mantle source. Similar compositions have been recorded in minerals of ultramafic xenoliths from other ultramafic xenoliths domains of the Cameroon Line and the Adamawa Plateau.
Determination of Curie Point Depth, Heat Flow and Geothermal Gradient from High Resolution Aeromagnetic Data around Lamurde Area, Adamawa State, North-Eastern Nigeria  [PDF]
S. Kasidi
Open Journal of Geology (OJG) , 2019, DOI: 10.4236/ojg.2019.911093
Abstract: Analysis of high resolution of aeromagnetic data was carried out over Lamurde, Adamawa state north-eastern Nigeria to determine the Curie point depth (CPD), heat flow and geothermal gradient. The aeromagnetic data used for this work was obtained at Nigerian geological survey agency, the total magnetic intensity was processed to produce the residual magnetic map which was divided into 4 overlapping blocks, each block was subjected to spectral analyses to obtain depths to the top boundary and centroid, while depth to bottom of the magnetic sources was calculated using empirical formula. The depths values obtained were then used to assess the CPD, heat flow and geothermal gradient in the area. The result shows that the CPD varies between 9.62 and 10.92 km with an average of 10.45 k, the heat flow varies between 150.73 and 132.78 mWm20°C1 with an average of 139.12 mWm20°C1 and the geothermal gradient in the study area varies between 12.16 and 15.67 °C/km with an average of 13.39 °C/km. In view of the above results, the high heat flow may be responsible for maturation of hydrocarbon in Benue Trough as well as responsible for the lead Zinc Mineralization. Again by implication, Lamurde area can be a good area for geothermal reservoir exploration for an alternative source for power generation.
A Common Database for Clients and Its Effect on Loan Default in Microfinance Bank Operations: An Outlook of Microfinance Banks in Yola, Adamawa State, Nigeria  [PDF]
Shuaib Jalal-Eddeen, Muawiya Saleh, Fadimatu Jalal-Eddeen
Open Access Library Journal (OALib Journal) , 2019, DOI: 10.4236/oalib.1105913
Abstract:
Background: In their quest to address poverty and uneven income and wealth distribution often attributed to low economic growth performance and low labour returns amongst others, the governments of the developing countries through their respective central banks came up with the micro-finance policies. In Nigeria, the central bank came up with a policy in 2004, which aims to give micro, small and medium enterprises access to informal financial services to boost their capacity towards economic growth and development. While this policy has reduced the level of poverty among the low-income populace, the operations of the microfinance institutions are receiving increasing threats from the beneficiaries, especially loan default, which is often as a result to multiple borrowing. Methods: A cross-sectional study using a mixed method approach was adopted for the study. The questionnaires were distributed to eligible persons and the responses an-alysed using SPSS version 24 and a simple Microsoft Excel. The respondents were clients from three randomly selected microfinance institutions in Yola, Adamawa State, Nigeria. Results: The outcome of this study has shown that while about 66% multiple borrowing incidences from various microfinance institutions were very high, 91.43% and 77.14% of the respondents believed that multiple borrowing and loan default, respectively, could be prevented through the use of a common database. Conclusion: It is recommended that microfinance banks and institutions should invest in implementing a common database for managing client requirements and minimizing concurrent borrowing and loan defaults.
Lack of evidence for sufficiently isolated populations of Glossina morsitans submorsitans on the Adamawa Plateau of Cameroon following geometric morphometric analysis  [PDF]
Mbunkah Daniel Achukwi, Jessica Gillingwater, Alexandre Michel Njan Nloga, Gustave Simo
Advances in Entomology (AE) , 2013, DOI: 10.4236/ae.2013.11001
Abstract: Trypanosomosis remains the number one killer of livestock in spite of efforts made to eradicate tsetse flies in the Adamawa plateau of Cameroon. Acetone-baited Laveissière type biconical traps were pitched at 100 meter intervals in strategic geo-referenced positions in various ecological niches of the landscape for 5 consecutive days in selected villages in Mayo Rey, Mbere, Vina and Faro et Deo divisions. All 493 tsetse flies captured in sites other than Mboula wereG. morsitans submositans.Measurement of different morphometric characters on the wings of each individual fly was undertaken using the Du Jardin package. The data was processed and analysed by “Permutaciones,
Analisis Discriminante (PAD)” and “Bootstraps, Analisis en Componentes principales”. The three major sampling sites on the plateau yielded similar results as demonstrated by the neighbour joining tree of Mahalanobis distances but tests using PAD showed the differences between group means to be significant (P < 0.05) even when the same number of flies was used. Mixing of tsetse populations from the northern lowlands and those on the plateau and Koutine plain could not be ruled out. These preliminary findings suggest that the flies are not from isolated populations and should be considered as populations frequently exchanging migrants. However, molecular genetics techniques are necessary in addition to morphometric analysis to reach more definitive conclusions.


Geoelectric Structure of the Crust along the Mbere Trough (South Adamawa) from Audio-Magnetotelluric Data  [PDF]
Ludovic Houetchak Kande, Joseph Kamguia, Jean Marie Tadjou, Robert Nouayou
International Journal of Geosciences (IJG) , 2013, DOI: 10.4236/ijg.2013.48115
Abstract:

The South Adamawa trough represents a major structure associated to the tectonic activity in the Adamawa region. The Mbere and the Djerem troughs represent the eastern and the western parts of the South Adamawa trough respectively. The audio-magnetotelluric (AMT) method is used to study the Mbere trough and to bring out tectonic features that affect the basement of this region during the Cretaceous. From analysis and interpretation of AMT data, based on pseudo-section and geoelectric section, two geologic models are constructed across the trough at Belel and Nyambaka. Those models bring more information on the sediments thickness and the borders faults of the trough compared to previous studies. The results shows that the Mbere trough is dissymmetric, and bounded on its northern side by an intra-gneissic fault and on its southern side by two faults with at least one considered as a faulted contact between the granitic and gneissic rocks. The sediments filling of the trough are consist mainly of conglomerates on which lay sandstones. The thickness of these sediments is about 2060 m at Belel and decreases to about 1800 m at Nyambaka, with a low sandstones thickness, which does not exceed 360 m. The basement consists of granite in the South of the trough and gneiss in the North, with resistivity more than 10,

Typology of Local Construction Materials from the Adamawa and North-West Regions of Cameroon  [PDF]
Zo’o Zame Philémon, Nzeukou Nzeugang Aubin, Uphie Chinje Melo, Mache Jacques Richard, Ndifor Divine Azigui, Nni Jean
Geomaterials (GM) , 2016, DOI: 10.4236/gm.2016.62005
Abstract: This article summarizes the different local construction materials observed in two regions of Cameroon (Adamawa and North-West). These raw materials were mapped and evaluated using various methods of investigation (spatial distribution, estimation of reserves, development of a database compatible with geo-referenced maps). The results obtained show three types of local construction materials (vegetal, pedological and geological) with quantitative estimation or distribution. Vegetal local materials include herbaceous savanna with strong dominance of straw in Adamawa region than the North West region. Pedological local construction materials include lateritic soils (ferruginous or clayey), harplan, sandy clay and sandy clay soil while geological local construction materials include volcanic, plutonic and metamorphic rocks. Many sites of these geological materials are suitable for the rock quarry plant. Adamawa region also contains sedimentary rocks constituted by metamorphic conglomerate and sandstones. Two main types of residential homes are constructed with these local construction materials in these regions of Cameroon. These include huts and houses.
Mineral Chemistry of Wehrlite Xenoliths Hosted in Basalts from the SW of Hosséré Dammougalré (Adamawa Plateau, Cameroon): Thermobarometric Implications  [PDF]
Isaac Bertrand Gbambié Mbowou, Dagwa? Nguihdama, Fadimatou Ngounouno Yamgouot, Mama Ntoumbe, Abdel Aziz Youpoungam, Isma?la Ngounouno
Open Journal of Geology (OJG) , 2017, DOI: 10.4236/ojg.2017.710098
Abstract: Wehrlite samples (size: ~4 cm) hosted in basaltic lavas from the SW of Hosséré Dammougalré are located in the western Adamawa Plateau. Porphyritic and allotriomorphic texture characterize respectively host Basalt and wehrlite xenoliths. The phenocrysts of olivine (Fo6874), and Ti-magnetite are scattered in host basalt. Wehrlite xenoliths (~4 cm size) contain Cr-rich clinopyroxene (diopise-augite), olivine (Fo7688) and chromiferous spinel. Equilibrium temperatures calculated from Fe/Mg exchange reaction for olivine/spinel vary between 944°C and 1102°C. The wehrlite olivine crystals with low Fo (<90) indicate a re-equilibration of Fe-Mg in the host basalt at low temperatures. All the analyzed wehrlite clinopyroxenes have crystallized at high pressures as evidenced by the Alvi and Aliv contents. The studied spinel-bearing wehrlite xenoliths represent probably the residual portions of the upper mantle, which are an important source of information about lithospheric composition and thermal evolution beneath the Adamawa Plateau.


Thickness Variations in the Lithospheric Mantle and the Low Velocity Zone of the Adamawa Plateau (Cameroon) from Teleseismic Receiver Functions  [PDF]
Serge H. Pokam Kengni, Charles T. Tabod, Eric N. Ndikum, Alain-Pierre Kamga Tokam, Pascal Gounou Pokam
Open Journal of Geology (OJG) , 2018, DOI: 10.4236/ojg.2018.86032
Abstract: Teleseismic events recorded by stations located in the Adamawa Plateau have been treated using the inversion method of receiver functions. These six stations are part of a network of 32 large strip seismic stations installed in Cameroon between 2005 and 2007. This method allowed us to investigate the lithospheric mantle in that region. The results obtained from the velocity model have been compared to some existing results in this region. These results show the existence of a thick crust having an average thickness of about 35.2 km and a corresponding S wave velocity of 3.7 km/s. For an average S wave velocity of 4.4 km/s the lithospheric mantle appears to be thin in nature and has a thickness that varies from 39 km and 49.6 km. Beyond the lower lithospheric mantle, there exists a low velocity zone, whose thickness varies between 20 km and 43.9 km. The variation of the low velocity zone leads to variation of the lower boundary of the lithospheric mantle boundary at the depths ranging from 73.8 km and 85 km.
Relationship Between Malnutrition and Parasitic Infection among School Children in the Adamawa Region of Cameroon
C.M.G. Garba,C.M.F. Mbofung
Pakistan Journal of Nutrition , 2010,
Abstract: Malnutrition and parasitic infections are common public health problems of children in developing countries. The prevalence of malnutrition and parasitic infections in school children in the Adamawa region of Cameroon was carried out. Anthropometric measurements consisting of height and weight were measured according to WHO guide lines (WHO, 1983, 1987). Body Mass Index (BMI) which is weight/height2 for age was used as indicator to determine nutritional status. Examination of stool specimens was done using direct smear examination and concentration techniques and malaria parasitemia was determined microscopically from Giemsa stained blood films. The nutritional status and parasitosis was studied in 1200 (715 boys and 485 girls) school children aged 6 to 17 years. For malnutrition, severe acute malnutrition prevalence and moderate acute malnutrition was recorded respectively as 15.5% and 35.9%. 14.2% of which 64.3% were boys while 35.6% girls were found positive for various parasitic infections with malaria parasite accounting for the highest (64.9%) and hookworm the lowest (18.7%) prevalence rates. The difference in the level of parasitism was found to be statistically significant (p<0.05, chi square = 15.5) in the region. Severe and mild malnutrition was more prevalence in girls (12.9% and 46.7% respectively) than in boys (11% and 44.9% respectively). The relationship between the parasitic infection prevalence and nutritional status of the children showed that 98 (57.2%) of the infected children were malnourished (p<0.05) and there was no significant difference (p>0.05) of malnutrition between infected and non-infected children. The relationship between malnutrition and parasitic infection revealed that the correlation coefficient was 0.85, indicating a moderately strong relationship between the variables. The study confirmed that malnutrition and parasitosis were important child health problems. Therefore, it is recommended that lunch meals, nutrition education, sanitation education, treatment of parasitic infections be added to the school curriculum of school children in the Adamawa region of Cameroon.
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