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ABSTRACT<br> This study examines their int erconnections in Gombe Local Government Area (LGA), Nigeria<br> using a mixed- met hods approach. By integrating quantitative and qualitative analyses, the study<br> provides a corprehensive under standi ng of these development chalenges. Findings indicate<br> that finanial exdusion rermainsa significant challenge, with only 52.9% of respondents having<br> abank acount, while 58.4% had never applied for a formal loan, nd 66.9% lacked insuran ce<br> Cover age The study also highlights multidimensional poverty, with 29.4% exper iencing food<br> insecurity, 24.2% unable to access healthcare and 198% struggling to send their chil dren to<br> school. Addit ionall y, 50.9% of respondent s perceived high inequal it y, with two-thirds believing<br> it negatively impacted their well- being. Staistica analyses revealed a negative rel ationship<br> between financial indusion and poverty, suggesting tha acoessto financial serv<br> ervices Contr ibut es<br> usion we no<br> to poverty reduct ion. Howeve, financial indusi was positively corređed with perceived<br> TITLE PAGE İ<br> inequlity, implying that those<br> h better<br> r financia acoess may also become more avare of<br> exi sting dispar ities. Structurd Equat ion Modeling (SEM) furt her confirmed that inequality<br> mediat esthe relationship bet Ween finanda indusion and poverty, under scoring the need for<br> holistic devel opment strategies The study recommends tar gted interventions t o expand<br> financial access, integr ate finanda inclusion initiađives with poverty alleviation programs, and<br> promote equitable sodo- economic polides. Strengt hening communit y engagement and<br> leveraging digital financial services could enhance financial inclusion and contribute to reducing<br> poverty and inequality in Gombe LGA.

The abstract of financial sector reforms on output growth in the manufacturing sector provides a concise summary of the impact that changes in the financial sector have on the growth of output in the manufacturing industry. It outlines how these reforms affect various aspects such as access to credit, investment patterns, technological progress, and overall economic performance within the manufacturing sector. The abstract aims to provide a high-level understanding of the relationship between financial sector reforms and output growth in the manufacturing sector. Financial sector reforms, such as liberalization and improved access to credit, have a significant influence on the growth of output in the manufacturing industry. These forms facilitate increased investment by manufacturers, leading to greater production capacity and overall economic development. By liberalizing the financial sector, government enables manufacturers to obtain loans more easily from banks and other financial institutions. This enhanced access to credit allows businesses to expand their operations, invest in new technologies, and develop innovative products. As a result, the manufacturing sector experiences higher levels of productivity and output growth. Financial sector reforms encourage efficiency improvements within the manufacturing industry. With improved access to financing, companies can invest in modern machinery, adopt technological advancements, and streamline their operations. This enhances productivity, reduces production costs, and ultimately contributes to increased output. It plays a crucial role in driving output growth in the manufacturing industry. By enabling easier access to credit, fostering technological advancements, encouraging efficiency improvements, and promoting competition among financial institutions, these reforms contribute significantly to the overall development and success of the manufacturing sector.

This study investigated the problems and prospect of teaching of computer science in Bauchi State.<br><br> Data was collected from 150 respondents comprising of 10 instructors and 140 students randomly selected from each Secondary School in Bauchi Metropolis. The analysis of data collected revealed that inadequate professionally trained teachers, inadequate computers, inadequate instructional resources, lack of motivation and incentive for teachers, lack of encouragement and motivation for the students, student apathy and indifference are problems associated with the teaching and learning of computer science education. It was recommended that computer science teachers should be given appropriate pedagogical training to provide them with the requisite knowledge needed for efficient and better performance and the relevant instructional resources and support infrastructural facilities provided to ensure effective teaching and learning of computer science education at the institution.

This achievement of junior secondary school students in the field of basic .science. The research focuses on students within Sabon Gari Local Gowrnment Area of Kaduna Slau. aiming to explore whether left-handedness has a significanl corelation with academic performance in the specific context of basic science Education ,cation. The study a mixed-methods approach, incorporating both quantitative and qualitative research methods. A sample of junior secondary school students will be selected from various schools in Sobon Gari local Gowrnment Area, with a particular emphasis on idemifying left-handed individuals. Academic performance data, including test scores and examination results in basic science subjects, will be collected and analyzed to discern any patterns or variations related to left-hand orientation. Additionally. qualitative data will be gathered through interviews and surveys to gain insights into the experiences of left-handed students in the learning environment. Factors such as reaching methods, classroom arrangements, and the overall adaplability of educational materials to left-handed students will be explored to provide a comprehensive understanding of the challenges and opportunities associated with left­hand orientation in the context of basic science education. The findings of this research aim to conlribute valuable information to educational policymakers.

This research explores the representation of harmful cultural practices in Nigerian cinema, with a specific focus on Stephanie Okereke's Dry. The film tackles the deeply rooted practice of child marriage and its devastating health consequence, Vesicovaginal Fistula (VVF). By examining the film's narrative structure, character development, and thematic emphasis, this study identifies the ways Dry portrays cultural norms and practices contributing to VVF. Additionally, it assesses the broader influence of Nigerian films in shaping public attitudes towards such practices, questioning whether cinema can function as a tool for social change. This work also evaluates Dry’s impact on its audience, analyzing if and how it raises awareness, inspires empathy, and challenges detrimental traditions. The findings suggest that through its compelling storytelling and authentic depiction, Dry holds potential as a catalyst for advocacy and transformation, bringing critical attention to the intersection of tradition, health, and women's rights in Nigeria.

The objective of this present study was to assess storage practices and the incidence of fungal infestation on yams stored in barns in Gwagwalada metropolis. Two (2) yam samples with obvious rots were taken from four (4) barns. Each sample was triplicated resulting in a total of twenty-four (24) replicate samples. Physical assessment, qualitative data collection and opinion analysis methodology, and laboratory techniques were employed in this study. From the results, most farmers stored their yam harvest in thatch and brick barns using stacking, floor storage and yam rack method. Most farmers carried out monitoring monthly, biweekly, weekly and a few daily. The varying levels of fungal growth shows the incidence of post harvest fungi in the yam samples. These fungal counts were significantly different across different concentration and storage methods. Furthermore, four fungal species were isolated following their macroscopic and microscopic characteristics. They include: Aspergillus spp., Fusarium spp., Penicillium spp., Rhizopus spp. Overall, this study showed a great relationship between storage practices and the incidence of fungal infestation in barns. As barns with little to no effective yam storage and disease management techniques revealed great presence of fungi.

This project presents the design and implementation of a scalable, web-based Online Campus<br><br> Podcast System for Crawford University, aimed at modernizing academic communication and<br><br> enhancing learning accessibility. The platform facilitates the creation, distribution, and<br><br> consumption of real-time (live) and on-demand audio content for students and faculty.<br><br> The system is engineered using a robust, decoupled streaming architecture, utilizing Python<br><br> (FastAPI/Django) for the high-performance backend, HLS/RTMP protocols for reliable media<br><br> streaming, and PostgreSQL/MySQL for secure data management. Key functionalities include:<br><br> Role-Based Access Control (RBAC) to manage permissions for Students, Lecturers, and<br><br> Administrators; a Content Compliance Workflow that mandates synchronized transcript<br><br> generation for all content (WCAG 2.1 AA); and Token-Based URLs to protect proprietary<br><br> academic content from unauthorized access.<br><br> The system was developed using the Agile Scrum methodology and underwent rigorous functional<br><br> and load testing. The evaluation confirms that the system successfully addresses the problems of<br><br> fragmented communication and limited accessibility, delivering a user-friendly, high-performance<br><br> platform. Future work recommends integrating advanced features such as AI-powered<br><br> recommendation engines and dedicated mobile application development.

Mosquito-borne diseases such as malaria, dengue fever, and Zika virus pose significant public health threats globally. The increasing resistance of mosquitoes to conventional insecticides has necessitated the exploration of alternative, eco-friendly mosquito repellents. This study investigates the efficacy of combining lemon grass oil and Neem seed oil as a mosquito repellent. The repellent activity of Lemon grass oil, Neem seed oil, and their combinations were evaluated against mosquitoes using human subject. The tests were conducted in a controlled setting, and the repellent efficacy was measured using the complete protection time (CPT) method. The results showed that the combination of Lemon oil and Neem seed oil exhibited synergistic repellent activity, with the 5:3 %w/w (Neem:Lemon) providing the highest repellent efficacy of 9 hours. The individual oils also demonstrated repellent ability, but to a lesser extent, with Lemon grass and Neem seed oils providing over 3 and 9 hours protection against mosquitoes when the concentration of 10%w/w was tested. The combination of Lemon oil and Neem oil offers several advantages, including enhanced repellent efficacy, prolonged duration of action, and reduced risk of skin irritation. The synergistic effect of the two oils may be attributed to the complementary modes of action, with Lemon oil’s citral and limonene components interacting with Neem oil’s azadirachtin and nimbin components to create a potent repellent effect. Also, the combination of Lemon oil and Neem seed oil represents a promising natural mosquito repellent, offering a safe, effective, and eco-friendly alternative to conventional insecticides. Further studies are needed to examine the potential of this combination for large-scale applications and to investigate its efficacy against other mosquito specie.