DEPOSIT MONEY BANKS AND ENTREPRENEURSHIP DEVELOPMENT IN NIGERIA
This study is an attempt to examine the effect of deposit money banks on entrepreneurship development in Nigeria. The study adopted a descriptive ex-post facto research design while the data used were sourced from Central Bank of Nigeria (CBN) statistical bulletin (various issues), The National Bureau of Statistic (NBS) from 1992 – 2015. Both the descriptive statistical approach of central tendencies and dispersion and regression analysis were used for data analysis. The result of the regression result shows that deposit money bank credit has a significant positive effect on entrepreneurship development while saving and time deposits of deposit money banks also has a significant positive effect on entrepreneurship development. On the other hand, deposit money banks’ lending rate had a negative insignificant effect on entrepreneurship development, suggesting that deposit bank lending rate discourages investors, customers, business owners and entrepreneurs from taking loans. This study among others recommends that government should review and address the high lending rate charged by deposit money banks in Nigeria as it deters entrepreneurship development which is essential for economic growth for a developing country like Nigeria.
Gendered Inequalities in the Informal Economy in Masvingo urban of Zimbabwe
This paper focuses on the gendered inequalities in the informal economy of Zimbabwe with specific ref- erence to Masvingo urban in Zimbabwe. The informal economy in Zimbabwe is made up of unregistered and unrecorded statistics and therefore is not registered, supported or regulated by the Government. Women trading in the informal economy have little or no access to organised markets, credit institu- tions, formal education and training institutions, public services and amenities. Qualitative research methodology was used for the research. A case study research of Masvingo urban in Zimbabwe was used, while data was collected using key informant interviews, semi-structured interviews, observations and documentary search. The findings of the study indicates that women in the informal economy are affected by environmental, political, economic, social and personal constraints. Women are concen- trated in this sector due to the value system in the society; fewer skills required for the jobs in this sector, technological advancement, and the traditional roles assigned to them. The study concludes that gender-sensitive macro-economic policies are an important enabler to address gender inequalities in the informal economy as they shape the economic environment for women’s empowerment. The study recommends that local authorities should come up gender-responsive policies to enable women to operate in an environment that has decent infrastructure for vending, free from police and sexual harassment and adequate security.
ASSESSING GRADE 9 LEARNERS’ ATTITUDE TOWARDS THEIR ACADEMIC PERFORMANCE IN MATHEMATICS IN PINETOWN EDUCATION DISTRICT, KWAZULU-NATAL
The indispensable implication of Mathematics in the society made it become a compulsory subject in primary and secondary schools in most countries of the world. Despite its wide application of Mathematics in the society, there are still many learners particularly in secondary schools who struggle to achieve the best knowledge of mathematics. The performance of Grade 9 learners in South Africa schools is not Improving and this is attributed to their attitudes towards the study of the subject. The study adopted the qualitative approach which is rooted in the interpretive paradigm. 15 participants comprise of 3 mathematics educators and 12 Grade 9 learners are purposefully selected for across the secondary schools in Pine Town Educational District. In KwaZulu-Natal for the study. Data were obtained through classroom observation and semi-structured interviews. The findings from the study revealed that the poor performance of Grade 9 learners in mathematics is attributed to the perceived difficult nature of mathematics because of information pass on to learners from peers, parents, seniors, and guardian, the nature of mathematics itself and learners are not well prepared from primary schools. The study however concluded by giving general recommendations for improving learners’ participation and attitudes towards learning mathematics.