Papers by Usman Abdulkadir
Pentvars Business Journal, 2025
The study determined the sample size using Krejcie and Morgan's (1970) sample estimation table an... more The study determined the sample size using Krejcie and Morgan's (1970) sample estimation table and employed stratified and systematic random sampling techniques for selection. A total of 453 completed questionnaires were retrieved and analysed using a t-test. The findings indicate no significant difference in Graduate Entrepreneurial Intention scores between male and female corps members. Similarly, no significant difference was found between corps members with prior self-employment experience and those without such experience. However, a significant difference was observed in Graduate Entrepreneurial Intention scores between university and polytechnic graduates. Based on these findings, the study recommends strengthening equitable entrepreneurial opportunities through an enhanced Skill Acquisition and Entrepreneurship Development (SAED) initiative by the NYSC to ensure equal support for both male and female graduates. Additionally, universities and polytechnics should integrate comprehensive entrepreneurship programs into their curricula to develop entrepreneurial competencies early. Furthermore, the government, entrepreneurship agencies, and private sector stakeholders should collaborate to offer targeted training, funding, and mentorship tailored to the diverse needs of graduates from different educational backgrounds, fostering inclusive participation in entrepreneurship.
This paper investigates the influence of financial literacy on graduate entrepreneurial intention... more This paper investigates the influence of financial literacy on graduate entrepreneurial intention in North Central Nigeria. The study uses a survey research design through a quantitative approach. The study adopted the Theory of Planned Behaviour (TPB) as a theoretical framework. The population of the study is 5635 batch 'B' 2024 stream II set of National Youth Service Corps (NYSC) members serving in Niger, Nasarawa, and Kwara States. The sample size is 560 corps members. The study uses a simple random sampling technique to select the study sample size from the sample frame. The study uses Covariance-Based Structural Equation Modelling (CB-SEM) for data analysis. Findings reveal that financial knowledge, financial behaviour, financial attitude, and financial risk tolerance all have positive and significant effects on entrepreneurial intentions. The study recommends that the NYSC integrate financial literacy programs into their community development service to equip corps members with essential financial skills for entrepreneurship. Additionally, the National Universities Commission should introduce a financial literacy course alongside existing entrepreneurship education.
JOURNAL OF BUSINESS MANAGEMENT, INNOVATION AND CREATIVITY , 2024
This quantitative research study investigates the intricate interplay between consumer involvemen... more This quantitative research study investigates the intricate interplay between consumer involvement, consumer purchasing behaviour, and the moderating and mediating effects of perceived credibility of celebrity endorser and celebrity endorsements in Nigeria. The study, conducted through a survey employing a purposive sampling technique, targeted a vast population of 41,543,028 registered MSMEs in Nigeria. The sample size of 501 participants, carefully selected to represent the diverse landscape of MSMEs, provided a robust foundation for analysis. A total of 460 meticulously filled questionnaires were returned, forming the dataset for the Partial Least Squares Structural Equation Modelling (PLS-SEM) analysis. The findings revealed that consumer product knowledge did not significantly influence consumer purchasing behaviour, aligning with similar findings in existing literature. Consumer product experience also demonstrated a non-significant effect on purchasing behaviour, challenging assumptions prevalent in previous studies. Surprisingly, celebrity endorsement exhibited a counterintuitive outcome, indicating that an increase in celebrity endorsements led to a decrease in consumer purchasing behaviour. The perceived credibility of celebrity endorsers emerged as a crucial factor, showing a positive influence on purchasing behaviour. Further exploration into conditional relationships revealed that perceived credibility of celebrity endorsers played a significant moderating effect in the relationship between consumer product experience and consumer purchasing behaviour through the mediating role of celebrity endorsement. Conversely, this moderating effect was not observed in the relationship between consumer product knowledge and consumer purchasing behaviour through the mediating role of celebrity endorsement.
A Survey Of Customers Intention To Adopt Islamic Banking Services In Nigeria: Evidence From Jaiz Bank Plc, Abuja, 2024
This study attempts to examine the major factors that affect banking customers intention to adopt... more This study attempts to examine the major factors that affect banking customers intention to adopt Islamic banking services in Nigeria. The study is premised on quantitative analysis. Four hundred (400) questionnaires were administered on JAIZ Bank customers and three hundred and eighty (380) questionnaires were retrieved from respondents, representing 95% return rate. The study uses multiple regressions to test the research hypotheses through SPSS 22 version. The findings revealed that awareness and perceived compatibility has significant effect on customers intention to adopt Islamic banking services in Nigeria; while religiosity and relative advantage has no significant effect on customers intention to adopt Islamic banking services in Nigeria. More so, the study found out that the level of banking customers awareness of Islamic banking services in Nigeria is low. The study therefore, recommends that each Islamic bank in the country should engage in massive public awareness and enlightenment campaigns on the Islamic financial products and services they offer
Abdulkadir Usman, 2023
The inconclusiveness of the existing literature underscores the need for further research to bett... more The inconclusiveness of the existing literature underscores the need for further research to better understand the determinants of SMEs adoption of e-banking. The main objective of the study is to investigates factors influencing users' acceptance of e-banking in Lapai metropolis, Niger State-Nigeria. The study employed a survey research design and the population is 237 small business owners in Lapai metropolis. The sample of the study is 148 small business owners selected using purposive sampling technique. Data were collected using structured questionnaires and analysed using multiple linear regression analysis. The findings reveal that perceived ease of use and perceived accessibility have positive and significant effects on users' acceptance of e-banking. But perceived credibility has a negative and significant effect on users' acceptance of e-banking users' acceptance of e-banking in Lapai metropolis, Niger State. The study concludes that SMEs accept e-banking services significantly. Based on the findings, the study recommends that policymakers and financial institutions should prioritize user-friendly interfaces and accessibility features in ebanking platforms to promote greater acceptance and usage among small business owners. Additionally, efforts should be made to enhance the credibility of e-banking systems through robust security measures and transparent communication to address concerns and build trust among users.
Abdulkadir Usman, 2024
Despite the recent surge in global growth and the increasing role played by the Islamic financial... more Despite the recent surge in global growth and the increasing role played by the Islamic financial system, particularly Takāful, within the international financial landscape, there has been limited attention directed towards Takāful in Nigeria. This study aims to identify the factors influencing the intention of vehicle owners to adopt Auto Insurance (specifically Takāful) in Nigeria. Employing a survey research design, the study targeted the population of twelve million registered vehicles in Nigeria, with
Despite the recent surge in global growth and the increasing role played by the Islamic financial... more Despite the recent surge in global growth and the increasing role played by the Islamic financial system, particularly Takāful, within the international financial landscape, there has been limited attention directed towards Takāful in Nigeria. This study aims to identify the factors influencing the intention of vehicle owners to adopt Auto Insurance (specifically Takāful) in Nigeria. Employing a survey research design, the study targeted the population of twelve million registered vehicles in Nigeria, with
The moderating role of financial resilience on the relationship between financial literacy and graduate entrepreneurial intention in Nigeria. , 2023
The study examines the moderating role of financial resilience on the relationship between financ... more The study examines the moderating role of financial resilience on the relationship between financial literacy and graduate entrepreneurial intention in Nigeria. The study use quantitative and survey research designs. The population of the study is 1271 Batch ‘A’ 2021 set of National Youth Service Corps (NYSC) members who served in Niger State, Nigeria. The sample size is 404 respondents. The sample size was selected using systematic random sampling technique. The study use PLS-SEM for data analysis through the aid of SmartPLS 4. The results indicate that financial knowledge, financial attitude, and financial resilience have a positive and significant effect on graduate entrepreneurial intention. Furthermore, financial resilience was found to moderate the relationship between financial attitude and graduate entrepreneurial intention. However, it had no moderating effect on the relationship between financial knowledge and entrepreneurship intention. The study recommends that policymakers should consider incorporating financial literacy and financial resilience training into the national curriculum to promote entrepreneurship among graduates, and government agencies providing capital seed and other supports as well as financial institutions should require entrepreneurs to demonstrate financial literacy and financial resilience skills before granting them financial support.
Keywords: Financial resilience, financial knowledge, financial attitude, entrepreneurial intention
Effect of ‘Multiple Taxation’ on Income Generation of Commercial Tricycle Riders in Niger State, Nigeria
The International Journal of Humanities & Social Studies
This paper attempts to study the effect of 'multiple taxation' on income generation of commercial... more This paper attempts to study the effect of 'multiple taxation' on income generation of commercial tricycle riders in Niger State, Nigeria. The objectives of the study are to examine the effects of tricycle registration, daily road usage, ownership and market entry taxes/levies on income generation of commercial tricycle riders. The study used quantitative and survey research design. A closed-ended questionnaire was used to generate primary data from 377 tricycle riders who were randomly sampled from 6,652 registered tricycle riders in Niger state, Nigeria. The research hypotheses were tested using 'multiple regression'. The results revealed that tricycle registration, daily road usage, ownership and market entry taxes/levies exert significant effects on income generation of commercial tricycle riders. The study, therefore, recommends that the government policy on tricycle registration and tricycle ownership taxes should be reviewed with the aim of providing succor to the commercial tricycle riders. Also, the state government should harmonize daily road usage and market entry taxes/levies charge on the same source of income by various local governments on daily basis to reduce the effect of 'multiple taxation' on commercial tricycle riders.
This paper attempts to study the effect of 'multiple taxation' on income generation of commercial... more This paper attempts to study the effect of 'multiple taxation' on income generation of commercial tricycle riders in Niger State, Nigeria. The objectives of the study are to examine the effects of tricycle registration, daily road usage, ownership and market entry taxes/levies on income generation of commercial tricycle riders. The study used quantitative and survey research design. A closed-ended questionnaire was used to generate primary data from 377 tricycle riders who were randomly sampled from 6,652 registered tricycle riders in Niger state, Nigeria. The research hypotheses were tested using 'multiple regression'. The results revealed that tricycle registration, daily road usage, ownership and market entry taxes/levies exert significant effects on income generation of commercial tricycle riders. The study, therefore, recommends that the government policy on tricycle registration and tricycle ownership taxes should be reviewed with the aim of providing succor to the commercial tricycle riders. Also, the state government should harmonize daily road usage and market entry taxes/levies charge on the same source of income by various local governments on daily basis to reduce the effect of 'multiple taxation' on commercial tricycle riders.
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Papers by Usman Abdulkadir
Keywords: Financial resilience, financial knowledge, financial attitude, entrepreneurial intention