This paper critically considered the relationship amid private sector deposits and the performance of deposit money banks in Nigeria for the period 1990-2019. Private Sector Deposits was proxied by demand deposits, Deposit Savings and time deposits, while Performance was proxied by Return on Assets of all deposit money banks in Nigeria for the period reviewed. Secondary data was obtained from the website of Central Bank of Nigeria statistical bulletin and the website of Nigerian Deposit Insurance Corporation (NDIC). We conducted Pretest using Augmented Dickey- fuller (ADF) test statistic to test for unit root. A mix order of integration was observed. The ARDL was thereafter used to estimate the equation, while the bounds test result showed the long run relationship. The short run result revealed negative relationship at some lag periods, and there was no significant relationship amid private sector deposits and Performance of deposit money banks in Nigeria. The bounds test results showed a weak long run relationship amid the variables. These results has so far exposed the fact that private sector funds such as demand deposits, savings deposits, time deposits with Deposit Money Banks in Nigeria do not significantly influence performance the performance of the DMBs except they are used for investment decisions. The study concludes and recommends that, (1) Demand deposits, Savings deposits and time deposits in the custody of DMBs should not be kept unutilized. (2) At long run period, demand deposits, savings deposits, and time deposits should be invested on investment options that would yield positive return on investments. (3) The Central Bank of Nigeria should regulate the level of depositories in the custody of DMBs in Nigeria to ensure sustained financial stability in Nigeria.

The study examined the effect of fraud on bank performance in Nigeria. The specific objectives were to: investigate the relationship between the number of frauds and bank performance in Nigeria, assess the relationship between the amounts lost to frauds and bank performance in Nigeria and to examine the relationship between the numbers of staff involved in fraud loses and bank performance in Nigeria. The study utilizes secondary sources of data extracted from the Nigerian Deposit Insurance Corporation (NDIC) Annual Report and CBN Statistical Bulletin from 1994 to 2020. Statistical methods such as descriptive analysis, Pearson correlation and OLS regression techniques were employed in the evaluation of the data. The result of the hypotheses revealed number of fraud cases as well as the total amount lost to fraud had a positive and significant impact on bank performance while the total number of staff involved in fraud was found to be negative and significant on deposit money banks performance in Nigeria. The study recommended that CBN and NDIC should encourage DMBs to always report cases of fraud, this can be done through creation of a fraud “hotline” where the public can call to complain or report fraud cases with appropriate rewards that will incite more compliance. Management of banks should train and retrain staff of Nigerian banks in fraud prevention and control. Such training should include a comprehensive review of legal and regulatory guidelines that will limit fraud activities.

This study examined the effect of government debt on the growth of the Nigerian economy. The study was specifically meant to access the extent to which external debt, domestic debt and exchange rate relate with the growth of the Nigerian economy. To achieve these objectives, an ex-post facto research design was adopted for the study. Time series data was collected from the CBN Statistical Bulletin and the National Bureau of statistics for the period 1990 to 2021 using the desk survey approach. The data were analyzed using the ordinary least square multiple regression statistical technique and the correlation matrix. Results from the analysis revealed that external debt had a negative but significant effect on the growth of the Nigerian economy. Also, the study showed that exchange rate and domestic debt had positive and significant effect on economic growth in Nigeria. Based on these findings, it was recommended that funding through government external borrowing should be minimized and allocated for funding long term viable capital project. Also it will boost the level of the economy into growth and generate sufficient returns required to service the debt. Also, borrowed funds should be invested by government in providing an enabling environment to promote the export base of the country and reduce the over reliance on importation of consumables and industrial raw materials.

This study examined microfinance banks and the growth of small scale enterprises with particular reference to Cross River State, Nigeria. The research design was descriptive survey. The instruments used in collecting data were questionnaire and personal interview. The data collected were analyzed using simple percentage and Pearson product moment correlation. The results of the analysis showed that microfinance banks services impacted the development of small scale enterprises. It was found that microfinance banks do not carry out adequate awareness campaign programme in order to increase patronage. It was found that most small scale entrepreneurs who procure loans from microfinance banks hardly put it to use in growing their businesses. It was recommended that microfinance banks should create adequate public awareness campaigns especially utilizing the electronic media. Also, microfinance banks should review the requirement for granting loans to small scale enterprises. The study recommended that microfinance banks should have task force or teams to monitor how the loan granted to any small scale entrepreneur are being utilized.