Osagiede, N. O.
College Of Agriculture And Animal Science, Ahmadu Bello University, Mando Rd. Kaduna. Nigeria
Effect Of Fermentation On Nutrient Composition Of Spent Sorghum Mash Supplemented With Urea Grade Fertilizer
Spent sorghum mash (SSM) a by-product of fermentation, was purchased dried and re-fermented after treatment and inoculation with rumen liquor respectively. Four (4) samples of SSM with substrate to inoculums concentration of 10:1(w/w) were supplemented with; 0.5, 1.0, 1.5, and 2.0% levels of urea. The same quantity of samples were compacted in four (4) jam bottles of equal volume to

Musa, M. I.
College Of Agriculture And Animal Science, Ahmadu Bello University, Mando Rd. Kaduna, Nigeria
Microbial Protein Production By Fermentation Of Sorghum Beer Residue Supplemented With Urea Plus Methionine. A Preliminary Study
Sorghum beer residue (SBR), a by-product of fermentation was procured dried and subjected to a second stage fermentation with urea (N) and methionine (S) supplementation. The effects of four levels of urea (0.5, 1.0, 1.5 and 2.0%) and four levels of methionine (0.29, 0.33, 0.37 and 0.41%) were tested on fermentation of SBR incubated in rumen liquor of cow for

Agbaje, Olaoluwa Samson
Department Of Health And Physical Education, University Of Nigeria, Nsukka
A Critical Analysis Of Sexual And Reproductive Health Services Available For In-school Adolescents In Nigerian Public Schools
The purpose of the study is to critically analyse sexual and reproductive health services -SRHS available for in-school adolescents in Nigerian public schools. The specific focus of the study was to analyse the SRHS available for in-school adolescents and the extent of utilization of SRHS by in-school adolescents in Nigerian public schools. The study was based on the theory of

Absalom Jaison
Department Of Mathematics, Chinhoyi University Of Technology, Chinhoyi, Zimbabwe
Retail Probability Of Default Modeling
This study develops a one-year probability of default prediction model for unsecured retail loan applicants for a particular top-tier Zimbabwean commercial bank. Banks need this model calculation for them to be internationally Basel II/III com- pliant. Binary logistic modelling was used on 10521 cases of which 2770 were defaulting and 7751 were non-defaulting. Retail credit risk parameters such as monthly

Absalom Jaison
Department Of Mathematics, Chinhoyi University Of Technology, Chinhoyi, Zimbabwe
Estimating Retail Loss Given Default – An Empirical Approach
With the advent of the new Basel Capital Accord, banking institutions are required to estimate credit risk capital requirements using internal ratings-based approach, subject to supervisory review. In order to be compliant with this approach, institutions must estimate the expected Loss Given Default (LGD), the fraction of the credit exposure that is lost if the borrower defaults. The flexibility to

Alhassan Iddrisu
Finance Office, University For Development Studies, Tamale-ghana
Practical Application Of Taylorism To The Management Of Tertiary Institutions: Evidence From The University For Development Studies, Tamale, Ghana
This study was designed to test the practical application of F. W. Taylor’s scientific management theory in the management and administration of the University for Development Studies. As members of staff of the University, we used the participant observer approach to collect data. Based on the facts gathered, we concluded that Taylorism is still relevant and applicable to the resolution

Alhassan Iddrisu
Finance Office, University For Development Studies, Tamale, Ghana
Practical Application Of Cost-volume-profit Analysis On Agro-products: Evidence From Female Micro-agro Distributors In The Tamale Metropolitan Area Of Ghana
This study investigated the cost structure, sales volume and profit of some selected agro-products traded by female micro-agro distributors in the Tamale Metropolis. The aim is to unravel the most profitable product in order to improve on the business engagements of female micro-agro distributors in the Tamale Metropolis. The study used the microcredit advanced to the female traders by Baobab

Theresa Tarita Makoni
Lecturer, Chinhoyi University Of Technology, Hospitality And Tourism Department
Visitors’ Perception Of Quality Of Customer Service At Chirundu One-stop Border Post In Zimbabwe
Perception is as good as reality. There is a common saying that, ‘the first cut is the deepest’; meaning initial impressions outlast any other subsequent impressions. To any visitor, arrival at the border post of any country represents arrival at the destination. Hence, perceptions gained from quality of customer service at the border posts should not be taken for granted.

Absalom Jaison
Lecturer, Chinhoyi University Of Technology, Mathematics Department
Application Of 5d’s In Managing Cravings For Substance Abuse
This study is aimed at assessing the effectiveness of Delay, Distract, Deep Breath, Drink Water and Discuss (5Ds) in managing cravings for substance abuse. Ten participants (nine males and one female) that participated in this descriptive qualitative case study were randomly selected from Quintessential Health care center Jos. Participants responded to semi structured questions designed to assess their experiences of

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