Financial Risk and Management Reviews

Published by: Conscientia Beam
Online ISSN: 2411-6408
Print ISSN: 2412-3404
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Profitability of Commercial Bank on Interest Rate Deregulation

Pages: 1-9
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Profitability of Commercial Bank on Interest Rate Deregulation

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DOI: 10.18488/journal.89.2019.51.1.9

Tijjani Muhammad , Abatcha Melemi

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Tijjani Muhammad , Abatcha Melemi (2019). Profitability of Commercial Bank on Interest Rate Deregulation. Financial Risk and Management Reviews, 5(1): 1-9. DOI: 10.18488/journal.89.2019.51.1.9
This study focuses on impacts of deregulation policy of interest rate on the profitability of commercial bank, which will create competition among conventional financial institution for their traditional activities of banks (Deposits, loans and other financial institutions activities). The demand and supply will increase to encourage fund mobilization based on interest rate. Sanity becomes significant in the financial institution as utilization of fund is been judiciously encouraged and invests it to the most profitable ventures. The study explored the survey questionnaire by selecting five financial institutions and distributes twenty (20) questionnaires for each financial institution to their respective managers (experts) for their input. The simple description analysis and correlation were considered for variables comparison to achieve the research objectives. The research findings indicate that the deregulation significantly contributed to the profitability of commercial financial institution and promote competition among their counterpart. The study also reveals that the deregulation in interest rate leads to an increase in profit maximization. The study recommended the changes in the discount rate will reflect a stipulated range depending on how monetary policy pursued and the relation of a current market economy with interest rate, the sufficient control of the institutions and regulatory bodies to ensure the forces driving the economy as adequately managed and controlled.
Contribution/ Originality
This study contributes to the existing literature on the interest rate deregulation. The study uses a new estimation methodology as a structural survey questionnaire which used correlation and descriptive analyses. The study is one of the very few studies based on deregulation of the interest rate on commercial bank.

An Investigation of the Impact of Organisational Structure on Organisational Performance

Pages: 10-24
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An Investigation of the Impact of Organisational Structure on Organisational Performance

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DOI: 10.18488/journal.89.2019.51.10.24

Sinqobile W. Nene , Alan S. Pillay

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Sinqobile W. Nene , Alan S. Pillay (2019). An Investigation of the Impact of Organisational Structure on Organisational Performance. Financial Risk and Management Reviews, 5(1): 10-24. DOI: 10.18488/journal.89.2019.51.10.24
Organisational structure is one of the core aspects that contribute to organisational performance. It can thus be said that it is the single most critical part of ensuring that the organization achieves its organisational objectives. This study examined the impact of organisational structure on the organisational performance of the Property Administration Services Department (PAS) within an organisation located at the Rosherville Industrial Area in Johannesburg South, South Africa. The study intended to give a practical perspective on the impact of a complex organisational structure on elements of personnel job satisfaction and departmental performance. The research instrument was designed to establish the elements that influence the composition of the organisational structure. Data analysis was done through descriptive and inferential statistics. The conclusion showed the inference between these elements and the actual aim of this study. The study did not directly compare the analysis of performance and organisational structure influence on it but rather aimed at establishing the general consensus by the participants on the likelihood of them accepting suggestions and recommendations of the study. It was evident that the organisational structure is ineffective. The ineffectiveness of the structure was observed to have been a contributing factor to the low job satisfaction levels within the participants. The context of the study identified staff morale as the main contributor to poor performance. Therefore, it could be concluded that since the organisational structure negatively impacted staff morale, it also inadvertently negatively affected the performance of the department.
Contribution/ Originality
This study contributes to the existing literature in the field of organisational structure effectiveness. The study results are based on practically evaluated current existing organisational structure within the organisation used for this study.

External Debt and Nigeria's Sovereignty

Pages: 25-39
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External Debt and Nigeria's Sovereignty

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DOI: 10.18488/journal.89.2019.51.25.39

Umar Dantani

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Umar Dantani (2019). External Debt and Nigeria's Sovereignty. Financial Risk and Management Reviews, 5(1): 25-39. DOI: 10.18488/journal.89.2019.51.25.39
This paper examines external debt and Nigeria’s sovereignty. The methodology of this research is based on content and qualitative analyses. The paper argues that external debt influences the sovereignty of Nigeria in different ways. These include the imposition of adjustment programmes ie privatization, devaluation, deregulation and trade liberalization. These programmes have subjected Nigeria to political control by the international financial institutions and affected Nigeria’s sovereignty vis-à-vis the place of the country in the comity of nations. The paper also argues that the imposition of adjustment programmes on the country provides opportunity to the IMF and the World Bank to monitor the implementation of the programmes that infringe on the sovereign right of the country. Furthermore, the paper believes that the imposition of high debt burden on the country infringes on the sovereign power of Nigeria to perform its human rights obligations towards its citizens. Moreover, this research argues that the introduction of debt rescheduling i.e. debt-equity swaps by the creditor countries give them the opportunity to determine how resources from the debt-equity swaps should be invested in the country. Therefore, the paper concludes that for Nigeria to utilize its sovereign power within the comity of nations it ought to have deimplemented adjustment programmes that are agents of imperialist control.
Contribution/ Originality
This study contributes to the existing literature on external debt and sovereignty. This study is one of few studies which have investigated the implementation of SAPs in Nigeria. The paper contributes to the first logical analysis of debt overhang and debt burden. The paper’s primary contribution is finding that external debt subjects Nigeria to political control. This study documents for proper management of external debt.