This study examines the factors that explain the lack of financial citizenship among selected respondent poor households in the inner city of a densely Muslim populated area. Specifically, Ilorin, Kwara State, North Central geo-political zone of Nigeria was the study area in this regard. Data elicited via a survey questionnaire was analysed using b

The objective of this chapter is to provide a theoretical model that accentuates the imperatives of Nigerian microfinancial institutions’ corporate social responsibility (CSR) activities aimed at ensuring that access to and use of financial services are maximized by the unbanked. Based on the extant literature, this chapter demonstrates that enor

Arabic chemical symbols are remarkably different from Latin chemical symbols which written by Arabic characters. On the other hand, Arabic chemical symbols follow Latin chemical symbols from the structure of writing the symbols. Although, Arabic symbols have special way of the writing like writing direction, cursive style, and written by Arabic cha

Tungsten inert gas (TIG) surface modification with Fe-based alloy can give protection against wear and corrosion of metallic component material. In this study, an attempt has been made to explore deposition of Fe-based alloy on commercial purity titanium (CP-Ti) by TIG torch melting process to improve resistance of substrate to wear and corrosion.

The Android operating system is gaining market share on smartphones and tablets due to its market openness and easier accessibility and operations.Therefore, it is increasingly targeted by malware. This research examines several attack vectors on an android smartphone. Techniques are presented for the analysis of such attack vectors in order to ide

In this paper, we consider the classical Ising model on the Cayley tree of order k (k ≥ 2), and show the existence of the phase transition in the following sense: there exists two quantum Markov states which are not quasi-equivalent. It turns out that the found critical temperature coincides with the classical critical temperature.J Stat Phys (20

The most unique aspect of investment Sukuk is Shari’ah compliance because it differs from other conventional asset class investments.The Shari’ah offers detailed explanationof the Islamic conception of money and capital, the relationship between risk and profit, and the social duties of financial institutions and individuals with regards to Suk

Several machine learning techniques based on supervised learning have been adopted in the classification of malware. However, only supervised learning techniques have proofed insufficient for malware classification task. This paper presents a classification of android malware using candidate detectors generated from an unsupervised association rule

The trend and motive of Cyber-attacks have gone beyond traditional damages and challenges to information stealing for political and economic gain. With the recent APT (Advance Persistent Threat), which comprises of Zero-day malware, Polymorphic malware, and Blended threat, the task of protecting vita infrastructures are increasingly becoming diffic

Audio Quran is now accessible in many websites free of charge. People can listen online or download any verse or the complete Quran verses. The genuineness of the sound content in those online audio Quran by principle should remain intact. Any intentional or non-intentional alteration to the content creates a big problem. There are reports on circu