Journal of Sustainable Development Law and Policy (The)
https://www.ajol.info/index.php/jsdlp
<p><em>The Journal of Sustainable Development Law and Policy</em> (JSDLP) is Nigeria’s first interdisciplinary sustainable development journal, published by the OGEES Institute, Afe Babalola University, Nigeria. The journal fosters the dissemination of research results and scholarly papers by teaching and research scholars in Africa and across the world in the area of sustainable development law and policy. The OGEES Institute publishes two issues per year.</p> <p>The thematic focus of the journal span across broad areas of sustainable development law and policy ranging from the economic, social and environmental dimensions. As such papers that explore broad themes of sustainable development such as environment, natural resources, green economy, international trade, banking, taxation, public policy, public private partnerships, alternative dispute resolutions, peace, and conflict studies are normally given top consideration. The Editorial Board of the Journal comprises international development scholars and experts from Italy, United Kingdom, Indonesia, Nigeria, Canada and the United States that provide leadership and lend their expertise to promote and enhance the scholarly relevance of the journal. </p> <p>Other websites associated with this journal: <a title="http://www.ogeesinstitute.edu.ng/index.php/research-publications" href="http://www.ogeesinstitute.edu.ng/index.php/research-publications" target="_blank" rel="noopener">http://www.ogeesinstitute.edu.ng/index.php/research-publications</a> and <a title="http://www.abuad.edu.ng" href="http://www.abuad.edu.ng" target="_blank" rel="noopener">www.abuad.edu.ng</a></p>Institute for Oil, Gas, Energy, Environment and Sustainable Development (OGEES Institute)en-USJournal of Sustainable Development Law and Policy (The)2467-8406The copyright belongs to the Institute for Oil, Gas, Energy, Environment and Sustainable Development (OGEES), Afe Babalola University, NigeriaEntrepreneurial Education and Africa’s Attainment of Sustainable Development Goals
https://www.ajol.info/index.php/jsdlp/article/view/285662
<p>Entrepreneurship has the potential to reduce poverty, stimulate economic<br>growth and boost innovation, in addition to enhancing social and<br>environmental sustainability. In accordance with the human capital theory<br>and previous empirical studies, it is assumed that entrepreneurship education<br>and training directly correlate with positive entrepreneurial outcomes and<br>therefore sustainable development. Although several scholars have attempted<br>to review and analyse entrepreneurship education and training literature over<br>the past decade, none of these reviews directly links entrepreneurship<br>education and training with sustainable development or focuses on the role<br>and status of entrepreneurship education and training (research) in less-stable<br>areas of the world. This article analyses recent literature to identify the extent<br>to which entrepreneurship education and training research addresses<br>Sustainable Development Goals (SDGs). The review identifies several gaps in<br>research and practice that potentially hinder entrepreneurship education and<br>training from adequately advancing sustainable development, including a<br>dearth of research on African states and demographic diversity, limited<br>entrepreneurship education and training access to non-university students<br>and a general lack of focus on educational technology, progressive education<br>approaches, and innovation in African countries compared to stable ones.<br>The review also identifies challenges pertaining to entrepreneurship education<br>and training resource constraints in fragile contexts. The article concludes by<br>offering insights on how educational technology could mitigate<br>entrepreneurship education and training challenges in developing Africa<br>environments to ultimately ease some barriers towards SDG advancement<br>and provides recommendations for future research directions.</p>Thanduyise NgobeseAndrisha Beharry-Ramra
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2025-01-102025-01-1016112410.4314/jsdlp.v16i1.1The Socio-Economic Impact of De-Agrarianisation in Sub-Sahara: A Re-Look on Rural Livelihoods and Employment
https://www.ajol.info/index.php/jsdlp/article/view/285663
<p>This article critically engages with the academic debate on de-agrarianisation<br>which has gained traction in political economy perspectives of agrarian<br>change in Sub-Saharan Africa. De-agrarianisation represents long-term<br>processes of occupational adjustment, income-earning reorientation and the<br>spatial relocation of rural dwellers away from strictly agricultural modes of<br>livelihood. Given that Sub-Saharan Africa is steadily becoming less rural in<br>character, there is a need to explore the critical factors that drive deagrarianisation and its implications on rural socio-economic development. It<br>emerges that the de-agrarianisation process is a historical process dating back<br>from the colonial era. It is driven by urban and industrial development, the<br>globalisation process, neoliberal policies, climate change variability, growth<br>of off-farm livelihood options and access to education. This phenomenon has<br>far-reaching widespread social, economic and ecological effects in rural areas.<br>We challenge the taken-for-granted assumptions of the farm household<br>efficiency paradigm that has dominated rural development thinking in the<br>Global South and recommend the need for measures that can help boost nonfarm activities availability, including increasing the access of rural households<br>to assets such as financial capital and non-price factors like education and<br>infrastructure. The development of non-farm activities should complement<br>the effort to re-agrarianise since activities in the former depend directly or<br>indirectly on the latter.</p>Douglas NyathJoram NdlovuMunyaradzi Dzvimbo
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2025-01-102025-01-10161255110.4314/jsdlp.v16i1.2Policy Implementation and Good Governance for Sustainable Development in Nigeria
https://www.ajol.info/index.php/jsdlp/article/view/285665
<p>Desirable sustainable development goals are implemented by policies.<br>However, right from its outset as a sovereign state, Nigeria has had a plethora<br>of remarkable policies. The essence of these policies has not been sufficient<br>for delivering good governance. In addition, there have been no major and<br>significant developments associated with the implementation of these policies<br>to date. This scenario rightly suggests that Nigeria's problem is not the<br>formulation of policies in itself, but a structural requirement for dynamic<br>change that has been lacking in the policy design, formulation, and<br>implementation. Hence, there is a lacuna in actualising sustainable<br>development through good governance in Nigeria. This article explores the<br>logical explanation for policy failure in Nigeria. The recurring decimal of the<br>lack of continuity in governance, corruption, lack of human capacity and<br>resources, lack of standard leadership, and political will to implement policy<br>effectively are irrationalities in policy implementation. This article argues that<br>until the policies in Nigeria are implemented effectively and taken to their<br>designed conclusion, there will be no sustainable and achievable development<br>and good governance in Nigeria. The study contributes to a framework that<br>integrates strategic alignment, continuous professional development, adaptive<br>management, and technological integration to enhance the effectiveness and<br>efficiency of the public sector in achieving sustainable governance and<br>development goals.</p>Akinseye Olowu
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2025-01-102025-01-10161526710.4314/jsdlp.v16i1.3Digitalization and Government Response to COVID-19 in post-pandemic in Africa
https://www.ajol.info/index.php/jsdlp/article/view/285666
<p>The relevance of digital technology has increased globally, especially during<br>and after the Covid-19 outbreak. However, digitalisation in Africa is still<br>under the development process whereby the majority of African countries are<br>adjusting and adapting to digitalization. The lack of technological<br>advancement in Africa poses a serious delay to the adoption of digitalization.<br>This study aims to assess the digitalisation and government response to<br>COVID-19 during the post-pandemic era in Africa. This study was done<br>qualitatively as a desktop study. Therefore, this study used a secondary<br>research approach where books, journal articles, and newspapers were<br>employed to collect data. A key finding of this paper is that the majority of<br>African countries are still struggling to adapt to digital technologies because<br>of the lack of Fourth Industrial Revolution (4IR) materials but slowly but<br>surely they are adopting digitalization. As digital transformation is essential<br>for survival, businesses and institutions have increased their investments in<br>technological breakthroughs. This study concludes that the introduction of<br>digitalization in Africa was the best solution to curb the spread of COVID19. Africa is still behind in digitalization, although it has a long history with<br>technology. Africa has proven to be resilient, and its nations are catching up<br>in embracing global digitization. The study recommends that digitalization in<br>Africa in response to the pandemic must be adopted for future outbreaks.<br>African countries must continue adopting digitalization because people now<br>prefer to use the 4IR method.</p>Vincent MotauOlusegun Obadire
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2025-01-102025-01-10161688510.4314/jsdlp.v16i1.4Evaluation of Gender Mainstreaming in the appointment of senior management: A case study of the Office of the Premier in Limpopo Province, South Africa
https://www.ajol.info/index.php/jsdlp/article/view/285669
<p>This article seeks to probe the causes of non-compliance with the 50/50<br>Employment Equity Target by Limpopo Provincial Departments in South<br>Africa on the appointment of members to senior management positions.<br>South African Cabinet Decision 85(A) of 2005, the Women Empowerment<br>and Gender Equality Bill of 2013, and the existing policy reform to address<br>gender inequality in the public service are amongst the very important pieces<br>of legislative frameworks that provide for gender parity at the workplace, and<br>if adhered to, the 50/50 employment equity can be realized. The article aims<br>to evaluate the extent of employment equity (gender mainstreaming) in its<br>implementation and enforcement in the appointment process of senior<br>management in the Office of the Premier of the Limpopo Provincial<br>Government in South Africa. The study uses feminist theories as guiding<br>tools to understand the root causes of inequities in workplaces especially<br>between men and women. An exploratory qualitative approach was<br>embarked upon. Interviews with Directors and Chief Directors responsible<br>for Human Resources Management and Corporate Services were also<br>conducted, as well as the review of existing documents and reports of the<br>provincial government. The study found that the challenges emanate from the<br>Cadre Deployment Policy which dictates that the Executive Council<br>(Executive Authority) should be given the responsibility of appointing<br>members of senior management services based on political and ideological<br>lines. The recommendation made is that there is a need for the Cadre<br>Deployment Policy to be discontinued and disregarded as it compromises<br>excellence, integrity, and expertise.</p>Ellah N. NgobeniMarubini H. MukwevhoTsoaledi D. Thobejane
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2025-01-102025-01-101618610510.4314/jsdlp.v16i1.5Assessing Consumers' Perception of Shrinkflation in Nigeria and its Implication for Sustainable Development
https://www.ajol.info/index.php/jsdlp/article/view/285671
<p>We live in a society where people pay more to get less for most of the<br>consumables, this has had a major impact on household poverty in Nigeria in<br>recent times where you have to pay more to still get a lower quantity of an<br>item. The study assessed the perception of consumers towards shrinkflation<br>in Nigeria. Two research questions guided the study, (a) to know if the<br>concept of shrinkflation exists in Nigeria and (b) to know if age and job<br>status will affect their perception of shrinkflation. The study selected N=330<br>adults from Lagos Central Senatorial District of Lagos state. The participants<br>were all adults in schools, formal sector, and informal sectors in Lagos. The<br>study used already standardized Shrinkflation Awareness Scale by Mbewu to<br>explore the variables. The data collected was analyzed with SPSS v29, with<br>descriptive and inferential statistics. The descriptive statistics showed that<br>people are aware of the downsizing of consumables and a large number<br>agreed that it is a deceptive business practice to cheat the consumers. The<br>demographic variables were not significant thus implying that all ages and all<br>the sectors are feeling the effects of shrinkflation. The study concluded that<br>the effect of the inflation that is currently affecting Nigeria is affecting and<br>increasing poverty level because the cost of items is increasing yet the<br>quantity is also reducing. The study recommended that the government<br>should ensure that regulatory agencies play their roles in supervising the<br>activities of the manufacturers to promote the development of Nigeria.</p>Gbenusola AkinwaleVictor Ojakorotu
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2025-01-102025-01-1016110612710.4314/jsdlp.v16i1.6Izzih-Ukelle Environmental Crisis and Implications for Sustainable Development
https://www.ajol.info/index.php/jsdlp/article/view/285676
<p>Since the inception of earth, there has been a consensus among scholars that<br>war and armed conflict of any kind often have major negative impact on the<br>people and society more than positive one. Wars especially over land have left<br>many nations and societies underdeveloped. Many national and societal<br>economies have been crippled as a result of wars and armed conflict thereby<br>leading to retardation of development of some communities, while increasing<br>the high level of poverty in the society. This article focuses on the conflict<br>between Cross River and Ebonyi States, which to a large extent affected<br>farming communities. This conflict is about contested land which the people<br>depended on for survival because most of the people are farmers. The<br>researcher used qualitative research method, where primary data were<br>collected from field interviews in the conflict affected terrain as well as<br>secondary materials to develop the content of the article. It found that the<br>armed conflict gave a heavy blow on the people. Consequently, the article<br>recommends that it is important to look at how this conflict negatively<br>impacted on food security in the country and pursue post conflict<br>peacebuilding. Politicians and other stakeholders should therefore try to stop<br>fanning the fuel of enmity within Ebonyi and Cross River State.</p>Kelechi Johnmary Ani
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2025-01-102025-01-1016112814110.4314/jsdlp.v16i1.7External Financing Policies and Sustainable Energy Development in Africa: Evidence from Sub-Sahara African Countries
https://www.ajol.info/index.php/jsdlp/article/view/285678
<p>Energy is a fundamental pillar for economic advancement, particularly in<br>high-growth economies. However, Sub-Saharan Africa (SSA) is facing a<br>worsening energy crisis compared to other regions globally. These energy<br>sector challenges not only affect people’s living standards but also hinder<br>economic growth, employment prospects, and investments in the region.<br>Despite having abundant energy resources, SSA struggles to adequately<br>power its homes and businesses, necessitating the exploration and utilization<br>of these resources to their full potential. The persistent energy crisis can be<br>attributed to the inability of energy organisers to comprehend the complex<br>macroeconomic elements that shape the development of energy. Nonetheless,<br>substantial external financing has been absorbed by the sector in the past two<br>decades. This study explores the influence of external financing policies,<br>namely official development assistance, private participation in infrastructure,<br>and foreign direct investment, on energy development within selected SSA<br>nations from 1990 to 2021. Using the panel autoregressive distributed lag<br>model, the empirical findings suggest that official development assistance<br>hampers energy development in SSA, while foreign direct investment and<br>private participation in infrastructure influence energy development in the<br>long run. These outcomes imply that policymakers in SSA need to focus<br>more and prioritize domestic financial development to ensure increase<br>investment toward achieving sustainable energy development.</p>Afees Oluwashina NoahDavid Olalekan Oladipo
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2025-01-102025-01-1016114216110.4314/jsdlp.v16i1.8The Effectiveness of Strategic Management Practices at a Public University in South Africa
https://www.ajol.info/index.php/jsdlp/article/view/285681
<p>This study evaluates strategic management practices at the University of<br>KwaZulu-Natal (UKZN). Using a quantitative approach, an online survey<br>collected data from diverse staff members. Positive perceptions of strategy<br>clarity and impact were found, but resource adequacy concerns emerged.<br>Transparent resource allocation, stakeholder involvement, and performance<br>metrics are crucial for successful strategy implementation. The research<br>highlights the need to align resource allocation with strategic objectives. It<br>emphasises transparent decision-making processes, involving stakeholders in<br>resource allocation, and monitoring performance metrics. By applying<br>resource-based theory and Mintzberg’s 5Ps framework, the study provides<br>valuable insights for higher education institutions. Recommendations include<br>enhancing transparency, conducting regular assessments, and prioritising<br>strategic initiatives. This research contributes to organisational effectiveness<br>and long-term strategic goals. It highlights the importance of strategic<br>alignment and resource optimisation in higher education contexts.</p>Sithembile KhuzwayoPfano Mashau
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2025-01-102025-01-1016116218610.4314/jsdlp.v16i1.9Assessing the Extent to which Customer Feedback Contributes to Value Co-Creation: A Focus on the Tourism Industry
https://www.ajol.info/index.php/jsdlp/article/view/285684
<p>Over the past few decades, the process of creating economic value has<br>changed from single companies contributing individually to co-creating value<br>and integrating customer knowledge into product development. Firms are<br>creating value through the use of engagement experiences between customers<br>and firms. The new locus of value co-creation is interactions between firm<br>stakeholders and customers; hence, organisations need to be designed to<br>revolve around these interactions to identify opportunities for customercompany co-creation. Nonetheless, there are still a lot of unanswered<br>questions regarding value co-creation, its antecedents, and its effects.<br>Literature on the effects of customer feedback on value co-creation is sparse,<br>the existing body of knowledge lacks information regarding the role played<br>by customer feedback to enhance the co-creation of value between firms and<br>their consumers. In context with this, the study aims to assess the extent to<br>which customer feedback contributes to value co-creation by focusing on the<br>tourism industry. In addressing the aforementioned gap, this study employed<br>the Service – dominant (S–D) Logic Theory. Moreover, purposive sampling<br>was used in this study to gather qualitative data from 20 guests who made<br>visits to the 23 targeted game and nature reserves in Mpumalanga. The<br>findings revealed that customer feedback such as preferences and opinions<br>about products and services enhances value co-creation. Moreover, the<br>findings revealed that the use of social media platforms to allow consumers to<br>make suggestions and comments about a service provision enhances value cocreation. This study therefore concludes that firms must encourage customer<br>feedback to enhance value co-creation.</p>Siyasanga MgodukaIrrshad KaseeramShalen Heeralal
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2025-01-102025-01-1016118720810.4314/jsdlp.v16i1.10The Role of Information Communication Technology in Improving Community Participation in Municipal Process in Rural Areas
https://www.ajol.info/index.php/jsdlp/article/view/285686
<p>Around the world, especially in democratic states, governments, both<br>national and local, are major players in improving people's livelihoods,<br>especially in areas where all indicators depict a bad service delivery image.<br>Over the years, communication has been a major player in improving<br>people’s livelihoods in subaltern communities. In South Africa, most studies<br>have focused on the role of traditional communication in improving<br>community participation in rural areas, while few have focused on<br>information and communication technologies in semi-urban areas,<br>necessitating investigating Information communication technology (ICT) use<br>on community participation in rural areas. This study aims to explore the<br>information communication technologies used in facilitating community<br>participation in local government, especially in rural areas. To get deeper<br>insights into how the internet, cell phones, and social media usher in the<br>involvement of the community in municipal processes, the study adopted a<br>qualitative content analysis methodology to interrogate and examine various<br>data sources like academic articles, case studies, government reports, and ICT<br>project evaluations, allowing the researcher to identify words, themes, and<br>patterns for data analysis. The researcher further employed textual analysis as<br>it facilitated the analysis of secondary data and offered a systematic<br>framework for data interpretation. The study used technological determinism<br>as a framework. The findings of this study show that, although ICTs may aid<br>communities in effective participation in municipal processes, the digital<br>divide and illiteracy remain challenges that may hinder the use of ICTs for<br>effective participation since most rural communities live in poverty. To<br>address the latter while necessitating the former, this study recommends that<br>municipalities and community organisations conduct technological needs<br>assessments to understand their communities' particular requirements,<br>prospects, and challenges and ultimately make digital infrastructure and<br>resources available to rural communities.</p>Mooki LobeloMphumudzeni SiphumaTshepo Dimpho Preston Segalwe
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2025-01-102025-01-1016120922510.4314/jsdlp.v16i1.11Reducing Schooling Drop-Out Rate to Facilitate Human Capital Development: A Case of South Africa
https://www.ajol.info/index.php/jsdlp/article/view/285689
<p>This article interrogates the destructive nature of the secondary school learner<br>drop-out to the facilitation of human capital development in the 21st century.<br>The article is conceptual and empirical in nature within the qualitative<br>research paradigm. The question guiding this article is: how can learner dropout in secondary schools be contained to enable the facilitation of the human<br>capital development? Narrative enquiry and interviewing techniques were<br>applied to generate data. Out of a population of 13 public secondary schools<br>in Sekhukhune East District, in Limpopo Province, South Africa, six were<br>conveniently sampled. In each of the six sampled secondary school, a<br>principal and chairperson of the Representative Council of Learners (RCL)<br>became research participants. Findings revealed that firstly, there is a<br>connection between learner drop-out and human capital development.<br>Secondly, poor academic learner performance triggers drop-out. Thirdly,<br>drop-out offers a tragic tale for South African youth. Fourthly, poor<br>scholastic assessment test scores trigger drop-out. Lastly, lack of<br>improvement of literary abilities trigger drop-out. The researcher<br>recommends for the zero-rated digital platforms to teaching and learning to<br>contribute to containing drop-out. Lastly, the researcher recommends for the<br>cultivation of the culture of continuous learning and skills development.<br>Finally, the researcher recommends for the declaration of secondary schools<br>as national key points to enable them to service development and an economy<br>of their communities and the country.</p>N.S. Modiba
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2025-01-102025-01-1016122624010.4314/jsdlp.v16i1.12Investigating the Nexus between Financial Inclusion and Poverty Reduction in Nigeria (2013-2023)
https://www.ajol.info/index.php/jsdlp/article/view/285692
<p>This study investigates the nexus between financial inclusion and poverty<br>reduction in Nigeria over the period of 2013 to 2023. Financial inclusion,<br>defined as access to a wide array of formal financial services, is crucial for<br>economic development and poverty alleviation. The research utilizes a<br>quantitative approach, analysing data from the World Bank global database<br>to explore various indicators such as GDP, domestic credit to the private<br>sector, bank non-performing loans, and poverty headcount ratios. The<br>findings reveal significant challenges hindering financial inclusion in Nigeria,<br>including limited access to credit, low financial literacy, and disparities in<br>banking infrastructure distribution between urban and rural areas. Despite<br>efforts by the government and financial institutions to promote financial<br>inclusion, the study identifies persistent gaps in reaching marginalized<br>populations. Recommendations for policymakers, investors, and market<br>participants include enhancing financial literacy programs, leveraging<br>technology for inclusive banking, supporting Microfinance Institutions<br>(MFIs), and fostering public-private partnerships. By addressing these<br>challenges and implementing the proposed recommendations, Nigeria can<br>create a more inclusive financial ecosystem, empower individuals, and<br>accelerate poverty reduction efforts. However, the study acknowledges some<br>limitations, such as reliance on available data and the need for longitudinal<br>studies to assess the long-term impact of financial inclusion initiatives. Future<br>research should explore cultural and societal dynamics influencing financial<br>inclusion and conduct comparative studies across different regions and<br>demographic groups to develop more targeted interventions. Overall, this<br>study underscores the importance of advancing financial inclusion as a<br>catalyst for sustainable development and poverty reduction in Nigeria.</p>Olusola Anthony IbitoyeAbiodun Thomas OgundeleJoy Oluchi MonehinAbraham AdeniranBamidele Segun IlugbusiOlugbenga Francis Akomolehin
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2025-01-102025-01-1016124125510.4314/jsdlp.v16i1.13Advancing Eco-Entrepreneurship in Nigeria through Transformative Implementation of Sustainable Business Model Innovations
https://www.ajol.info/index.php/jsdlp/article/view/285695
<p>This article examines how green and sustainable business innovation can be<br>harnessed to advance a just and inclusive decarbonization and energy<br>transition in Nigeria. As the world strives to transition to net zero by 2050<br>or earlier, the need for business operations to transition from traditional<br>models of operations driven by economic value to a sustainable approach of<br>environmental and social values has become more pressing. As a resource—<br>based economy, Nigeria has made pledges and plans in line with international<br>frameworks to transition and grow renewable energy resources. Yet, lack of<br>clear operational guidelines on effective business strategies needed to<br>effectively advance eco-entrepreneurship remains a key challenge. Ecoentrepreneurship and eco-ventures such as small-medium scale eco-enterprise<br>and energy citizens who generate eco-solutions, innovations, services and<br>products in renewable energy plays a vital role in economy decarbonization<br>strategies. While several studies have highlighted how external factors such as<br>weak or unsupportive governance and policy landscape may hinder<br>successful implementation of eco-entrepreneurial activities, what has<br>remained absent is a holistic evaluation of how lack of internal capacity of<br>eco-ventures themselves can hinder the successful design and implementation<br>of transformative and sustainable business model that are able to capture<br>business opportunities, address risks and make impactful contributions to<br>global sustainability objectives. This article fills a gap in this regard. Drawing<br>lessons from surveyed Nigerian eco-entrepreneurs, this article examines<br>internal governance gaps that hinder sustainable business innovation, such as<br>incompatibility of business aims and models; limited internal capacity on<br>ESG; unsustainable procurement practices and resource constraints are<br>examined in order to identify the ways in which integrative sustainable<br>business model innovation can help close these gaps.</p>Josephine Ilesanmi
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2025-01-102025-01-1016125628110.4314/jsdlp.v16i1.14The Role of Artificial Intelligence in Advancing Sustainable Banking and Service Efficiency in Nigerian Financial Institutions: An Assessment of Selected Quoted Banks
https://www.ajol.info/index.php/jsdlp/article/view/285697
<p>The rapid growth of human reasoning impacts the sustainability and<br>efficiency of the banking industry globally, including in Nigeria. Many banks<br>have used technology and creativity to improve service efficiency and revenue<br>sustainability due to worries about the detrimental effects of human<br>intelligence. Our research analyses how AI integration influences sustainable<br>banking and service efficiency in selected Nigerian listed banks. Natural<br>language processing, machine learning, and predictive analytics are<br>revolutionising banking. In addition, risk management, fraud detection,<br>customer service, and operational automation applications create data<br>privacy, ethical, and regulatory compliance issues, though they are efficient<br>and cost-effective. According to a cross-sectional study of clients from five<br>Nigerian deposit money banks: Access Bank Plc, Fidelity Bank Plc, First<br>Bank Plc, Guarantee Trust Bank Plc, and Zenith Bank Plc, 384 individuals<br>completed the self-administered questionnaire SAQ. In this study, the<br>following methods were used: mean, standard deviation, skewness, kurtosis,<br>Jarque Bera, correlational analysis, and OLS regression. The researchers<br>observed that AI awareness, application, and effectiveness have an impact on<br>the service efficiency of a subset of Nigerian quoted deposit money banks.<br>Finance firms in Nigeria use AI to improve productivity and client happiness<br>as one suggestion was to automate tedious tasks for bank services. However,<br>government regulations restrict Nigerian banks' AI usage. To bridge these<br>gaps, the paper recommends banking AI regulations, infrastructural<br>development, education, training, and monitoring. The paper also<br>recommends that Nigerian officials automate identity verification and risk<br>assessment to speed up procedures. Overall, there should be strong<br>sustainability, security, and privacy laws to promote economic and social<br>objectives.</p>Abiodun Thomas OgundeleOlusola Anthony IbitoyeOluwatoyin Olusola AkinterinwaAbraham AdeniranFelix Olusegun IbukunTemitope Gift Apata
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2025-01-102025-01-1016128230710.4314/jsdlp.v16i1.15Editorial Comments
https://www.ajol.info/index.php/jsdlp/article/view/286115
<p>No abstract</p>Victor Ojakorotu
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2025-01-102025-01-1016110.4314/jsdlp.v16i1.