Bunonyo, Tekena Yemanai
Department Of Physics, Niger Delta University, Bayelsa State, Nigeria
Mediating Role Of Financial Inclusion In The Relationship Between Financial Literacy And Financial Wellbeing Of Plateau State Civil Service Retirees
One of the most talked about in the literature of the recent times is the pursuit of financial well-being among individuals, households, businesses and economies. Most nations have come up with financial literacy models and the focus of this is to train its people on what to do to be stress free in the financial front. The objectives of the

Akekere, Austin
Physics Department, Federal University, Otuoke, Bayelsa State
Characterization Of Subsurface Formation In Some Coastal Ogbia Environs, Niger Delta, Nigeria
The need to characterize subsurface strata necessitated this work in parts of coastal Ogbia environs in Bayelsa State. Abem Terrameter (SAS 1000) was employed for the survey using Schlumberger and wenner electrode configuration methods. Vertical electrical soundings (VES) were carried out in the study area with maximum current electrode spacing 200 m for the 1 D case and a maximum

Egegwu, Unogwu Emmanuel
Accounting Department, Faculty Of Management Sciences, University Of Jos, Jos- Nigeria
Decentralization And Human Resource Development Systems In Emerging Economies: A Mixed-method Multilevel Study Of Training And Capability Development In Nigeria’s Banking Sector
The rapid decentralization of organizations, combined with ongoing digital transformation, poses a significant challenge for Human Resource Development (HRD) in emerging economies, particularly in designing learning systems that remain locally adaptive yet strategically coherent. This study examines these tensions within Nigeria's banking sector through a convergent mixed-methods design involving 300 employees across six banks and 24 HRD leaders.

Lawrence, Kenneth Kwapvel
Accounting Department, Faculty Of Management Sciences, Plateau State University, Bokkos
Creating A Working Environment – A Crucial Factor In Promoting The Role Of Young Intellectuals In Vietnam Today
The article emphasizes the value of young intellectuals as a core creative force that plays an important role in promoting social development. Therefore, creating a favorable working environment to attract and enable young intellectuals to contribute their talents is essential for the construction and development of the homeland and the country.

Akaninyene Unaam
Department Of Business Management, University Of Uyo, Nigeria
Students’ Perceptions And Motivation In Learning Circle Theorem Using Geogebra
This study examined how Senior High School (SHS) students perceive and experience learning circle theorem when GeoGebra is used as an instructional tool, with particular attention to their motivation and engagement. Guided by a quasi-experimental design, the study involved 80 second-year SHS students drawn from two public schools in the Okaikwei North District of the Greater Accra Region. Following a

Edikan Bassey
Department Of Business Management, University Of Uyo, Nigeria
A Systematic Review Of Artificial Intelligence In Higher Education And K-12 Education (2020–2025): Trends, Gaps And Future Research Directions
The integration of Artificial Intelligence (AI) technologies in education is transforming teaching and learning across global educational systems. This systematic literature review analyzes peer-reviewed articles published between 2020 and 2025 to identify dominant trends, educational outcomes, and persistent research gaps in AI applications across both K-12 and higher education contexts. Four major trends are identified: (1) personalized and adaptive learning

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