Abstract:The pervasiveness of non-standard conduct such as scam, stealing, suppression effort, hostile behaviour, and voluptuous aggravation exhibited by workers in the organization has become a challenge, thus, the aim of this study is to examine the relationship between employee work powerlessness and deviant bevaiour (production deviance, property deviance, political deviance and personal aggression as its measures) of four star hotels in the south-south region of Nigeria. A cross sectional survey research design was adopted to examine the relationship between the study variables while the unit of analysis was at the micro level that is employees of the studied hotels. Furthermore, from the study population of 982 employees in the four star hotels in the region, 274 sample size was gotten using the Krejcie and Morgan (1970) sample size determination formula while questionnaire was used as the research instrument to collect data and out of the 274 questionnaire distributed, 223 were useful for data analysis. The data collected was analyzed using spearman’s rank order correlation coefficient with the aid of Statistical Package for Social Sciences. Our findings revealed that powerlessness significantly affects deviant behaviour of the studied hotels. We therefore recommended that managers of the four-star hotels in the south-south region in Nigeria should create real teamwork conditions that will provide the employee with a sense of participation and involvement which will reduce powerlessness in the hotels.
Keywords:Powerlessness; Deviant Behaviour; Hotels.

Abstract:Workers’ behaviour towards their given task or job as well as their organization is a very important tool to any organization to attaining set objectives and improving performance, thus, the aim of this paper is to examine the relationship between employee work meaninglessness and deviant bevaiour (production deviance, property deviance, political deviance and personal aggression as its measures) of four star hotels in the south-south region of Nigeria. A cross sectional survey research design was adopted to examine the relationship between the study variables while the unit of analysis was at the micro level that is employees of the studied hotels. Furthermore, from the study population of 982 employees in the four star hotels in the region, 274 sample size was gotten using the Krejcie and Morgan  sample size determination formula while questionnaire was used as the research instrument to collect data and out of the 274 questionnaire distributed, 223 were useful for data analysis. The data collected was analyzed using spearman’s rank order correlation coefficient with the aid of Statistical Package for Social Sciences. Our findings revealed that meaninglessness significantly affects deviant behaviour of the studied hotels. We therefore recommends that Managers of the four-star hotels should concentrate on employee behaviour in the organization by creating policies that can enhance employee values, freedom, innovation, development, and self-improvement.
Keywords:Meaninglessness; Deviant Behaviour; Hotels.

Abstract:Despites the increase attentions by researchers to the entrepreneurship as a field of study, the review of the literature indicates research in this important area of study remain limited, specifically related to the factors that determine entrepreneurial activities. Therefore, this paper aims to investigate the factors that determine entrepreneurial activities.  Based on the review of the literature and past studies, the study reveals six factors that influence the entrepreneurial activities. These factors are Regulatory Framework, Market Conditions, Access to Finance, Creation and Diffusion of Knowledge, Entrepreneurial Capabilities and Entrepreneurship Culture.  This study, proposed a research framework that indicates the influence of these factors on the entrepreneurial activities. Furthermore, the study suggests an empirical investigation to test their influence on entrepreneurial activities.
Keywords:Entrepreneurship, Determinants, Entrepreneurial Activities.

Abstract:Microfinance play a greater role in the social economic development of the households in terms of providing employment and the general contribution in an economy through the output of goods and services. The socio-economic development and growth of Homabay majorly depend on farming and small scale enterprise. A large number of those working in these sectors are those with low income who do not qualify for financial assistance from the commercial banks and thus their main source of credit facilities is the microfinance institutions. In this study, the researcher sought to find out the effects of non-financial and capacity building services on the welfare of the households in Homabay town.  The study was majored on the customers who got their services from the selected microfinance institutions within Homabay. Using a sample data set of 321, a survey was conducted using questionnaires to collect data from the respondents. The study revealed that the non-financial packages and capacity building it clearly show such services play a greater role on the improvement of households welfare. More emphasis should be made on the importance of capacity building and how it can help the households to improve their skills in the management of the resources they receive from the microfinance institutions. Through capacity building services default cases shall reduce as the households will properly utilize the amount borrowed in the best way which in return will boost their income and ensure repayments are done as agreed between the households and the financial institutions. Secondly for those households who may not be able to handle financial services well the best way out is to enhance provision of non-financial services. Thus rigorous training in the form capacity building among households should be maintained so that residents can maximize their potentials within the microcredit facilities.
Keywords:Microcredit, Welfare.

Abstract:In any organization, the two important financial statements are the Balance Sheet and Profit & Loss Account of the business. Balance Sheet is a statement of financial position of an enterprise at a particular point of time. Profit & Loss account shows the net profit or net loss of a company for a specified period of time. When these statements of the last few year of any organization are studied and analyzed, significant conclusions may be arrived regarding the changes in the financial position, the important policies followed and trends in profit and loss etc. Analysis and interpretation of financial statement has now become an important technique of credit appraisal. The investors, financial experts, management executives and the bankers all analyze these statements. Though the basic technique of appraisal remains the same in all the cases but the approach and the emphasis in the analysis vary. A banker interprets the financial statement so as to evaluate the financial soundness and stability, the liquidity position and the profitability or the earning capacity of borrowing concern. Analysis of financial statements is necessary because it helps in depicting the financial position on the basis of past and current records. Analysis of financial statements helps in making the future decisions and strategies. Therefore it is very necessary for every organization whether it is a financial or manufacturing, to make financial statement and to analyze it. We have found out the necessary ratios and had made a comparative analysis on the financial performance between SBI and BOB. 
Keywords:financial position, investors, financial experts, comparative analysis, SBI and BOB. 

Abstract:This study focuses on the determinants of participation in entrepreneurial income generating activities among rural households in Borno State, Nigeria. 2014-2015 General Household Survey data conducted by The National Bureau of Statistics of Nigeria was used, and the study use purposive sampling technique to select a sample of 292 rural households since the study is on rural households. The result was analyzed using Logit model. Result of the study revealed that Gender of the household head, education, and occupation, and household size, access to credit and family type has positive and significant impact on participation in entrepreneurial income activity. Therefore, the study recommends that government at local, state and federal level are advised to establish a sustainable framework that will enable rural dwellers have access to credit at reduced interest rates. Households involve in small scale traditional entrepreneurial activities should also be provided with skill enhancing training by the government and non-governmental organisation in order to improve the quality of commodities they provide and get attractive return.
Keywords:Entrepreneurial activities, Rural Households, Borno, Nigeria.

Abstract:Today business organizations are striving to achieve profitability and it is their endeavor to put in place strategies that position them towards market dominance. Strategic positioning is recognizable as an essential tool in confronting the competitive pressures in the banking sector, as well as a tool for improving the performance of these firms. The banking sector plays a huge role in a country’s socio economic development. Indeed in Kenya, all other sectors depend on the banking sector and any form of destabilization in the sector will affect almost all other sectors in the economy. This study focused on how need-based positioning and access-based positioning influenced competitive advantage of commercial banks in Kenya, with a case of Equity Bank Limited. A case study research design was adopted to enable an in-depth understanding of the subject under review. The target population constituted of five hundred and forty five employees working at Equity bank limited headquarters in Nairobi during the period of study. Proportionate stratified random sampling technique was applied to select a sample size of one hundred and sixty five respondents. The study gave a response rate of 120 respondents which was proportionate to 72% of the total population. Primary data was collected through the administration of a questionnaire while secondary data was obtained through document analysis. Data was analyzed using descriptive statistical tools namely mean, standard deviation, while correlation and regression were used to analyze the existence of relationships. The findings obtained revealed that both need based and access based positioning had been adopted by commercial banks to a large extent. Need- based positioning and access-based positioning was found to have a positive and significant on competitive advantage of commercial banks. The study concluded that both need based positioning and access based positioning positively influenced competitive advantage of Kenyan Commercial Banks. The study established that the two strategies had been adopted to a large extent as a tool for improving the bank’s competitive advantage. The study recommends that the banks should device new strategies as well as analyze the effectiveness of the existing ones in order to realize continuous and improved competitive advantage.
Keywords:strategies, strategic positioning, need- based positioning, access based positioning, competitive advantage, commercial banks, firm performance.