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The purpose of this paper is to provide an insight into the relationship that exists between land use activities and street begging in Ibadan municipality, Nigeria, following the observed influence of urban land use activities on begging incidence.

Primary data were obtained through the method of direct enumeration of beggars and cursory observation of the physical and environmental compositions of the identified beggars’ locations in the study area.

The results showed that begging is a function of urban land use activities and it also conforms to the concentric, sector and multiple nuclei models of urban land use.

Studies are still less noticeable on the spatial implications of begging in Nigerian urban centres. In view of this, it is very much suggested that more studies be carried out on issues relating to begging, particularly, on the spatial implications of begging in other municipalities for effective comparative analysis.

The study fills a gap in the literature as there is limited research on street begging in relation to spatial dimension.

This study aims to explore how banks in Nigeria are marketing financial services to financially vulnerable customers.

A multiple case study research strategy was used to analyse three commercial banks and two microfinance banks. Data were collected using semi-structured interviews with the banks' directors as well as from banks' published annual reports and archival images.

The study reveals that Nigerian banks develop different product development portfolios, adopt innovative traditional marketing schemes and apply inclusive technologies to reach and extend services to the unbanked and financially vulnerable customers in the society.

Banks should focus on consumer engagement through the proactive development of technologies and employ innovative marketing methods. Customers' banking experiences can be enhanced if banks communicate with and educate customers about technological modes of engagement. In addition, financial service transaction support and financial literacy education can assist banks in marketing their services to financially vulnerable customers, in mutually beneficial ways.

This study shows how financial service operators' market and extend their services to financially vulnerable customers in emerging markets. It empirically establishes the importance of financial services to financially excluded customers.

To understand the financial services experience and consumption in Nigeria from the perspectives of both the customers and managers. This study aims to explore this under-researched area and contribute towards a transformative financial service in the country.

Semi-structured interviews with 26 bank customers and seven top bank executives.

A conceptual framework, which has emerged from the analysis of the results, revealed three overarching factors that shape these experiences from the perspective of both consumers and managers – service maintenance, service technology and service dynamics.

For sustainable service maintenance, bank executives need to increase the overall level of transparency in their operations, particularly regarding bank charges, to ensure that customers are not subjected to hidden and unnecessary charges. The use of technology in service provision and delivery should play a prominent role. Managers should also provide innovative and user-friendly technology, communicating with customers and raising awareness of the benefits. Customers who are reluctant to adopt the technology should be educated and reassured. Recognising the service dynamics, managers should improve customer services and relationships, effectively manage the mobile money agent relationship and market new and relevant products to their target audience.

The understanding of the financial services experience and consumption of citizens and residents in the demonstrate how the appropriate programmes and policies that enhance financial inclusion could be introduced and implemented in the country. It enables financial service managers to improve their services to their customers and policymakers to develop timely, relevant and appropriate policies to address and/or bridge the identified gaps in financial inclusion. The understanding of the financial services experience and consumption of citizens and residents in the demonstrate how the appropriate programmes and policies that enhance financial inclusion could be introduced and implemented in the country.

Through the sampling, this paper reiterates the need for consumer engagement and collaborative customer-provider relationships in redesigning financial services. This aligns with the transformative research agenda, which aims to increase access to financial services, decrease disparity and ensure consumers’ financial well-being.

This study aims to assess gender-based differences on farmers’ perception of impacts and vulnerability to climate change and the implementation of adaptation strategies in the Pra River Basin of Ghana, while also providing lessons for other Sub-Saharan nations and regions with similar conditions.

The study used semi-structured interviews and questionnaires to collect data from 344 farmers, 64 participants in focus group discussions and 6 agriculture extension officers (key informants) from 10 districts in the Pra River Basin of Ghana.

Results showed several differences in how climate change is perceived and tackled by male and female genders. In the perception of male farmers, for example, they were found to be more vulnerable to increased temperature, and changes in rainfall and growing season, whereas female farmers on average were considered to be less resilient to floods and droughts for different reasons. Moreover, floods posed higher risks to farming than other climate change impacts. Gender roles had a significant correlation with the type of adaptation strategies practised. Men adopted agrochemicals more often than women, as an adaptation strategy.

Gender-differentiated interventions should be incorporated in the national climate change action plan for sustainable development in a rain-fed agricultural economy such as Ghana. The study recommends several actions to promote gender equity in the assessed region.

This research assessed the gender differentials in climate trends, impact, vulnerability and adaptation based on primary data collected between April and May 2019 and compared the results with climate data in the basin for the period 1991–2014. It is an empirical study focused on primary data analysis obtained in loco by authors, involving approximately 400 participants.

The purpose of this paper is to provide insights into traders' perceptions of and responses to environmental quality in markets of Ile-Ife, Nigeria.

Primary data were collected from 445 traders in five different markets (Odo-Ogbe, Olorunsogo Oja-Ife, Bonfo and Urban day) in Ile-Ife through questionnaire administration. Physical observations were also carried out for holistic and detailed assessment of the environment.

Results showed that most of the traders were married (64.6%), females (74.5%), who were young adults within the age bracket of 31–45 years (39.8%) while over half of them had secondary school education (55.2%) and spent between 8 and 9 h in the market on a daily basis. Using what is termed “Facility Condition Index” (FCI), it was shown that public toilet (FCI = 2.11), health centre (FCI = 1.76) and electricity supply (FCI = 1.43) were the three most deplorable facilities in the markets. Findings further showed that flooding, pollution and blocked drain, each with 22.1%, were the most common environmental problems.

The study extends the existing literature by examining traders' perceptions of environmental quality of open spaces (markets), which could be used as tools in proffering solution to the varying environmental problems of the markets by policymakers.

The importance of academic curriculum in higher education cannot be overemphasised. This explains the scrutiny to which the various models employed for the development of higher education programmes curriculum are subjected. In spite of the numerous scrutiny, higher education curriculum development is still infested with downsides. Solutions to these problems have been proffered by the strategy employed by Curriculum Development and Implementation Branch, Manitoba Department of Education in the development of the curriculum for Canadian Art Education in Manitoba.

The inability to incorporate social responsibility into curriculum of higher education programmes has been a major setback in the actualisation of social responsibility in higher education in Nigeria. The tertiary institutions therefore need to look beyond just issuing degrees and diplomas but inculcate in their students the need to think beyond individual interest to societal interest. Based on this backdrop, this chapter explores the strategies employed by the Manitoba Department of Education in the curriculum development and how these strategies can be implemented in Nigeria for the inclusion of social responsibility into the curriculum of higher education. It focuses on identifying the variables integral to the construction of curricula of higher education programmes in the south-west geopolitical zone Nigeria.

In the Indian system of medicine – Ayurveda, Musa paradisiaca has been mentioned as a remedy for various diseases and ailments. Based on the folkloric use, the purpose of this paper is to verify and compare the hypoglycemic potential of unripe, ripe and overripe fruit extract of Musa paradisiaca.

Hypoglycemic activity of fruit extracts has been evaluated using various in vitro methods, namely, determination of glucose adsorption capacity, glucose uptake in yeast cells, amylolysis kinetics and glucose diffusion.

The extracts of unripe, ripe and overripe fruits of Musa paradisiaca adsorbed glucose, and the adsorption of glucose increased remarkably with an increase in glucose concentration. In the amylolysis kinetic experimental model, the rate of glucose diffusion was found to increase with time, and all the extracts of unripe, ripe and overripe fruits of Musa paradisiaca demonstrated significant inhibitory effects on the movement of glucose into external solution across the dialysis membrane as compared to the control. The extracts under study also promoted glucose uptake by the yeast cells in all the five glucose concentrations used in the study.

Here, the authors have verified and compared the hypoglycemic potential of Musa paradisiaca, its unripe fruit extract was found to show a better activity than ripe and overripe fruit extracts.

Banana, being an all season readily available fruit, is widely consumed due to its ready availability and low cost. It acts as a complete food for even low socio-economic classes of society, owing to its rich nutritional values. Even in a processed and unprocessed manner, it is an important constituent of diet. The research suggests that instead of consuming ripe and overripe fruit, the unripe fruit will help in management of diabetes.

Tropical wetland ecosystems are threatened by climate change but also play a key role in its mitigation and adaptation through management of land use and other drivers. Local-level assessments are needed to support evidence-based wetland management in the face of climate change. This study aims to examine the local communities’ knowledge and perception of climate change in Yala wetland, Kenya, and compare them with observed data on climate trends. Such comparisons are useful to inform context-specific climate change adaptation actions.

The study used a mixed methods approach that combined analysis of climate data with perceptions from the local community. Gridded data on temperature and rainfall for the period from 1981 to 2018 were compared with data on climate change perceptions from semi-structured questionnaires with 286 key informants and community members.

Majority of the respondents had observed changes in climate parameters – severe drought (88.5%), increased frequency of floods (86.0%) and irregular onset and termination of rains (90.9%) in the past 20 years. The perceptions corresponded with climate trends that showed a significant increasing trend in the short rains and the average maximum temperature, high incidence of very wet years and variability in onset and termination of rainfall between 1981 and 2018. Gender, age and education had little influence on knowledge and awareness of climate change, except for frequency of floods and self-reported understanding of climate change. The community perceived the wetland to be important for climate change adaptation, particularly the provision of resources such as grazing grounds during drought.

The study faced challenges of low sample size, use of gridded climate data and reproducibility in other contexts. The results of this study apply to local communities in a tropical wetland in Western Kenya, which has a bi-modal pattern of rainfall. The sample of the study was regional and may therefore not be representative of the whole of Kenya, which has diverse socioeconomic and ecological contexts. Potential problems have been identified with the use of gridded data (for example, regional biases in models), although their usefulness in data scarce contexts is well established. Moreover, the sample size has been found to be a less important factor in research of highly complex socio-ecological systems where there is an attempt to bridge natural and social sciences.

This study addresses the paucity of studies on climate change trends in papyrus wetlands of sub-Saharan Africa and the role of local knowledge and perceptions in influencing the management of such wetlands. Perceptions largely influence local stakeholders’ decisions, and a study that compares perceptions vs “reality” provides evidence for engagement with the stakeholders in managing these highly vulnerable ecosystems. The study showed that the local community’s perceptions corresponded with the climate record and that adaptation measures are already ongoing in the area.

This study presents a case for the understanding of community perceptions and knowledge of climate change in a tropical wetland under threat from climate change and land use change, to inform management under a changing climate.

Quality environment is argued to be essential for ensuring food security. The effect of environmental degradation on agriculture has thus gained the attention of researchers. However, the analyses of aggregate and sectoral effect of carbon dioxide emissions on agricultural development are limited in the literature. Consequently, this study examines the effect of aggregate and sectoral carbon emissions on Ghana's agricultural development.

Time-series data from 1971 to 2017 are employed for the study. Regression analysis and a variance decomposition analysis are employed in the study.

The results show that the country's agricultural development is negatively affected by aggregate carbon emission while financial development, labour and capital increases agricultural development. Further, industrial development and emissions from transport sector, industrial sector and other sectors adversely affect Ghana's agriculture development. The contribution of carbon emission together with other explanatory variables to the changes in agricultural development generally increases over the period.

This study analyses the aggregate and sectoral carbon dioxide emission effect on Ghana's agricultural development.