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Author

J. O. Onoh

2 papers indexed here

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Open access Aug 2026

Measuring the Impact of Asset Quality on Banking Performance in Nigeria using the ARDL Model – A Case Study of Access bank Plc

Giving the importance of credit creation by banks as one of the main drivers of the economy, the importance of having a adequate composition of assets and liabilities to avoid the potential effects of insolvency cannot be overemphasized. This why the Central Bank of Nigeria gives varying benchmark’s for banks depending...

J. O. Onoh · 0 citations
Review Open access Sep 2026

Algorithm Bias in Credit Markets and Socio-Economic Inequality – A Survey of The Six Geopolitical Zones in Niger

The rapid diffusion of machine-learning credit-scoring models promises faster loan decisions and lower transaction costs, yet mounting evidence suggests that such algorithms can reproduce and even exacerbate existing socio-economic disparities (Hand, 2021). In Nigeria, where formal financial inclusion varies markedl...

J. O. Onoh · 0 citations

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