Publish in OALib Journal

ISSN: 2333-9721

APC: Only $99


Search Results: 1 - 10 of 89 matches for " Shuaib Jalaludeen "
All listed articles are free for downloading (OA Articles)
Page 1 /89
Display every page Item
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
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.
Urban Governance and Poverty Reduction in Uganda: Lessons from Foreign Aid Regime of Local Government Development Program  [PDF]
Shuaib Lwasa
Current Urban Studies (CUS) , 2015, DOI: 10.4236/cus.2015.31004
Abstract: Government of Uganda implemented the Local Government Development Program (LGDP) between 2000 and 2009 with support from multi-lateral and bi-lateral agencies. Unlike previous policies such as Structural Adjustment Programs (SAP’s) and Liberalization Policies, LGDP was designed to address poverty following a participatory approach. The participatory approach involved improvement of service delivery where local communities identified, prioritized and implemented development projects. This approach ensured demand-driven service delivery with a performance assessment strategy through multi-level budget framework meetings organized to prioritize and evaluate the project outcomes. LGDP aligned with the overarching Poverty Eradication Action Plan policy by improving services delivery within the mandate of Local Governments. The services included health, education, street lighting, water supply, drainage, waste collection among others as provided for by the Local Governments Act. Funding was provided as Conditional and non-conditional grants released in each financial year for two grouped items of Local Development Grants (LDG) and Capacity Building Grants (CBG). This paper examines the fundamentals of participatory local development planning conceived as a people-centered approach in decision-making and how it contributed to development in Uganda. The paper also critiques the implications of LGDP upon aid withdrawal and its implications on locally generated mobilization of resources for sustainability.
Adenoid Cystic Carcinoma of Parotid Salivary Gland—A Case Study  [PDF]
Shuaib Kayode Aremu
Case Reports in Clinical Medicine (CRCM) , 2018, DOI: 10.4236/crcm.2018.711052
Abstract: Adenoid Cystic Carcinoma (ACC) is an infrequent slow growing epithelial tumour constituting for around less than 1% of all the oral and maxillo-facial malignancies and almost 10% of all the salivary gland tumors. Parotid gland is the second most common site to be involved in the head and neck region along with submandibular gland, Palate being the most common site involved in the oral cavity. Key feature of these tumors include its asymptomatic presentation, indolent nature, typically showing infiltrative growth and peri-neural invasion. Herein, we report a case of adenoid cystic carcinoma of right parotid gland of a 33-year-old male who presented with complaint of painless slow enlargement of left parotid gland and facial muscle weakness. On Examination firm mass in the region of the left parotid gland as well as left facial paralysis was seen. Biopsy results and further management is discussed here within.
Traumatic Retropharyngeal Abscess of Insidious Onset—A Case Report and Literature Review  [PDF]
Shuaib Kayode Aremu
Case Reports in Clinical Medicine (CRCM) , 2019, DOI: 10.4236/crcm.2019.84008
Retropharyngeal abscess is an abscess of the deep spaces in the neck which if not treated urgently can be life-threatening as a result of airway compromise. It is important to detect and treat very early. It may arise in pediatrics from direct neck trauma which is not very common and fishbone impaction. Direct anterior neck trauma resulting in insidious retropharyngeal abscess has not been widely reported.
Does doctor always knows best? The recent trend in medical negligence
FS Shuaib,IL Shuaib
Biomedical Imaging and Intervention Journal , 2009, DOI: 10.2349/biij.5.1.e12
Costume and Make-Up as Indispensable Arts in Theatre Practice : A Historical Survey
O Shuaib
Creative Artist: A Journal of Theatre and Media Studies , 2009,
Letter: Manufacturing categories – the case of disabled sportspersons
Shuaib Manjra
South African Journal of Sports Medicine , 2005,
Abstract: No South African Sports Medicine Vol.17(1) 2005: 31-32
A shared vision
Shuaib Chalklen
Forced Migration Review , 2010,
An Analysis on Factors Influencing Consumption Pattern of Duck and Duck Products among People of Kerala, India
P. Kanagaraju,A. Jalaludeen,S. Rathnapraba
Research Journal of Poultry Sciences , 2012, DOI: 10.3923/rjpscience.2012.31.35
Abstract: An analysis was carried out on the consumption pattern of duck and duck products among people of Kerala. About 285 consumers were selected for the study and an expost facto research design was adopted. The study revealed that most of the consumers started eating duck and duck products during their child hood onwards and preferred beef, duck, fish and chicken to mutton, chevon and due to their food habit and low cost compared to mutton and chevon. Health consciousness and religious restrictions are playing an important role in the consumption of beef and pork. Most of the consumers consumed meat four times a week. The chicken, duck and beef has more market potential so duck and broiler production has to be increased in order to meet the demand since most of the unproductive cattle are being transported from neighboring states. Most of the people preferred to purchase fresh and hygienic duck meat but due to non availability of clean meat shops, they purchased it from road side shop. The people were not aware of the availability of different types of duck meat products. The livestock farmers, marketing agencies and extension organizations should taken in to account the various determinants such as preferences, choices, habit, affordability, traditions while formulating marketing strategies for duck and duck products.
Spatial Differentiation of Small Holder Farmers’ Vulnerability to Climate Change in the Kyoga Plains of Uganda  [PDF]
Oketcho Chombo, Shuaib Lwasa, Tenywa Moses Makooma
American Journal of Climate Change (AJCC) , 2018, DOI: 10.4236/ajcc.2018.74039
Abstract: The paper assessed the variation in the level of vulnerability to climate change among small holder farmers in the Kyoga plains of Uganda. It was hypothesized that there is no spatial variation in the level of vulnerability to climate change among the small holder farmers of different socioeconomic characteristics in the Kyoga plains. It improves the understanding of the different dimensions of vulnerability. This can help to design practical policies and intervention strategies that are specific to the communities’ spatial strata to reduce development imbalances and empower the most vulnerable small holder farmers. The conceptual framework is based on the three elements of vulnerability that is, exposure, sensitivity and adaptive capacity. The cross-sectional survey research design was used to collect both quantitative and qualitative data. Household data were acquired by using a structured questionnaire supported by focussed group discussions while meteorological data were collected using data base review. The study was done in the Kyoga plains agro ecological zone of Uganda comprising of several districts out of which Tororo and Pallisa were picked. Indicators for the components of vulnerability (Exposure, Sensitivity and Adaptive Capacity) were selected by Principle Component Analysis (PCA) and Vulnerability Indices constructed at household level then aggregated at sub county level for correlation using ANOVA. Inter sub county vulnerability index correlation revealed a spatial variation in the level of vulnerability between the different sub counties with Kasodo Sub County in Pallisa being the most vulnerable and Rubongi in Tororo being the least vulnerable. Policy measures and development efforts should therefore focus on place specific strategies of adapting to climate change rather nationwide or region wide strategies. There is also need to refocus policy to nonfarm activities which are less susceptible to climate change and enhance farmers’ income.
Page 1 /89
Display every page Item

Copyright © 2008-2017 Open Access Library. All rights reserved.