Mobile Money Adoption and Performance of Informal Family Enterprises During COVID-19 Lockdown in Ekiti State, Nigeria

Ifeoluwa Felicia Ogunjemilua; Abiodun Isaac Oyebola; Felix Akinlade Babatola; Pascal Omotayo Dada; Emmanuel Makanjuola Ogunjemilua

doi:doi:10.11648/j.ijebo.20241203.13

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Mobile Money Adoption and Performance of Informal Family Enterprises During COVID-19 Lockdown in Ekiti State, Nigeria

Ifeoluwa Felicia Ogunjemilua

, Abiodun Isaac Oyebola

, Felix Akinlade Babatola

, Pascal Omotayo Dada, Emmanuel Makanjuola Ogunjemilua^*

Published in International Journal of Economic Behavior and Organization (Volume 12, Issue 3)

Received: 26 June 2024 Accepted: 15 July 2024 Published: 6 August 2024

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Abstract

The study was carried out on family enterprises in Ekiti state during COVID-19 Lockdown: to identify socio-economic characteristics of the family enterprises; to determine the types of mobile money adopted; to determine the factors influencing the types of mobile money adopted; and to examine the effect of mobile money adopted on the performance of family enterprises during COVID-19 lockdown in Ekiti state. The study administered questionnaire on one hundred and fifty (150) respondents and retrieved one hundred (100) which was used for the analysis of this study using SPSS (Statistical Package for the Social Sciences). Findings from the study shows that majorities of the respondents had Diploma and Degree as their highest certificate. The nature of the family enterprises considered are publishing and printing, metal and aluminum fabrication, poultry and fishery farming and furniture, upholstery and carpentry, leather shoe making, graphic designer, automobiles mechanic and panel beaters, Gas seller, tailoring/fashion designer, and dry cleaners. Findings from the study further shows that the enterprises were self-started, owned through inheritance and while the remaining were acquired. The study findings show the factors that are influencing the adoption of mobile money by family enterprises in Ekiti State such as: perceived electronic fraud among the family enterprises discourages mobile money adoption; perceived ease of use of mobile money among the family enterprises encourages the adoption of mobile money; perceived low cost of service of use of mobile money among the family enterprises encourages the adoption of mobile money; perceived usefulness of mobile money among the family enterprises encourages the adoption of mobile money; low level of knowledge about mobile money (high level of illiteracy) among others. Findings further shows that mobile money adopted by the family enterprises are significantly influencing their performance in Ekiti State Nigeria. The study concluded that family enterprises considered are micro scales, and mostly adopted USSD (unstructured short messages) and mobile app including online banking as mobile money adopted by the selected family enterprises. The enterprises used the mobile money adopted for different transactions such as payment of salaries, products bought from suppliers, payment received on products/services sold/rendered to their customers. The study further concluded that the index factors considered in this study are cogent factors that are really influencing the adoption of mobile money. The study also concluded that mobile money adopted are significantly influencing the performance of the selected family enterprises during COVID-19 Lockdown in Ekiti State Nigeria.

Published in	International Journal of Economic Behavior and Organization (Volume 12, Issue 3)
DOI	10.11648/j.ijebo.20241203.13
Page(s)	123-132
Creative Commons	This is an Open Access article, distributed under the terms of the Creative Commons Attribution 4.0 International License (http://creativecommons.org/licenses/by/4.0/), which permits unrestricted use, distribution and reproduction in any medium or format, provided the original work is properly cited.
Copyright	Copyright © The Author(s), 2024. Published by Science Publishing Group

Keywords

Family Enterprises, Mobile Money, Adoption, COVID-19 Lockdown and Nigeria

References

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APA Style

Ogunjemilua, I. F., Oyebola, A. I., Babatola, F. A., Dada, P. O., Ogunjemilua, E. M. (2024). Mobile Money Adoption and Performance of Informal Family Enterprises During COVID-19 Lockdown in Ekiti State, Nigeria. International Journal of Economic Behavior and Organization, 12(3), 123-132. https://doi.org/10.11648/j.ijebo.20241203.13

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ACS Style

Ogunjemilua, I. F.; Oyebola, A. I.; Babatola, F. A.; Dada, P. O.; Ogunjemilua, E. M. Mobile Money Adoption and Performance of Informal Family Enterprises During COVID-19 Lockdown in Ekiti State, Nigeria. Int. J. Econ. Behav. Organ. 2024, 12(3), 123-132. doi: 10.11648/j.ijebo.20241203.13

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AMA Style

Ogunjemilua IF, Oyebola AI, Babatola FA, Dada PO, Ogunjemilua EM. Mobile Money Adoption and Performance of Informal Family Enterprises During COVID-19 Lockdown in Ekiti State, Nigeria. Int J Econ Behav Organ. 2024;12(3):123-132. doi: 10.11648/j.ijebo.20241203.13

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@article{10.11648/j.ijebo.20241203.13,
  author = {Ifeoluwa Felicia Ogunjemilua and Abiodun Isaac Oyebola and Felix Akinlade Babatola and Pascal Omotayo Dada and Emmanuel Makanjuola Ogunjemilua},
  title = {Mobile Money Adoption and Performance of Informal Family Enterprises During COVID-19 Lockdown in Ekiti State, Nigeria
},
  journal = {International Journal of Economic Behavior and Organization},
  volume = {12},
  number = {3},
  pages = {123-132},
  doi = {10.11648/j.ijebo.20241203.13},
  url = {https://doi.org/10.11648/j.ijebo.20241203.13},
  eprint = {https://article.sciencepublishinggroup.com/pdf/10.11648.j.ijebo.20241203.13},
  abstract = {The study was carried out on family enterprises in Ekiti state during COVID-19 Lockdown: to identify socio-economic characteristics of the family enterprises; to determine the types of mobile money adopted; to determine the factors influencing the types of mobile money adopted; and to examine the effect of mobile money adopted on the performance of family enterprises during COVID-19 lockdown in Ekiti state. The study administered questionnaire on one hundred and fifty (150) respondents and retrieved one hundred (100) which was used for the analysis of this study using SPSS (Statistical Package for the Social Sciences). Findings from the study shows that majorities of the respondents had Diploma and Degree as their highest certificate. The nature of the family enterprises considered are publishing and printing, metal and aluminum fabrication, poultry and fishery farming and furniture, upholstery and carpentry, leather shoe making, graphic designer, automobiles mechanic and panel beaters, Gas seller, tailoring/fashion designer, and dry cleaners. Findings from the study further shows that the enterprises were self-started, owned through inheritance and while the remaining were acquired. The study findings show the factors that are influencing the adoption of mobile money by family enterprises in Ekiti State such as: perceived electronic fraud among the family enterprises discourages mobile money adoption; perceived ease of use of mobile money among the family enterprises encourages the adoption of mobile money; perceived low cost of service of use of mobile money among the family enterprises encourages the adoption of mobile money; perceived usefulness of mobile money among the family enterprises encourages the adoption of mobile money; low level of knowledge about mobile money (high level of illiteracy) among others. Findings further shows that mobile money adopted by the family enterprises are significantly influencing their performance in Ekiti State Nigeria. The study concluded that family enterprises considered are micro scales, and mostly adopted USSD (unstructured short messages) and mobile app including online banking as mobile money adopted by the selected family enterprises. The enterprises used the mobile money adopted for different transactions such as payment of salaries, products bought from suppliers, payment received on products/services sold/rendered to their customers. The study further concluded that the index factors considered in this study are cogent factors that are really influencing the adoption of mobile money. The study also concluded that mobile money adopted are significantly influencing the performance of the selected family enterprises during COVID-19 Lockdown in Ekiti State Nigeria.
},
 year = {2024}
}

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TY  - JOUR
T1  - Mobile Money Adoption and Performance of Informal Family Enterprises During COVID-19 Lockdown in Ekiti State, Nigeria

AU  - Ifeoluwa Felicia Ogunjemilua
AU  - Abiodun Isaac Oyebola
AU  - Felix Akinlade Babatola
AU  - Pascal Omotayo Dada
AU  - Emmanuel Makanjuola Ogunjemilua
Y1  - 2024/08/06
PY  - 2024
N1  - https://doi.org/10.11648/j.ijebo.20241203.13
DO  - 10.11648/j.ijebo.20241203.13
T2  - International Journal of Economic Behavior and Organization
JF  - International Journal of Economic Behavior and Organization
JO  - International Journal of Economic Behavior and Organization
SP  - 123
EP  - 132
PB  - Science Publishing Group
SN  - 2328-7616
UR  - https://doi.org/10.11648/j.ijebo.20241203.13
AB  - The study was carried out on family enterprises in Ekiti state during COVID-19 Lockdown: to identify socio-economic characteristics of the family enterprises; to determine the types of mobile money adopted; to determine the factors influencing the types of mobile money adopted; and to examine the effect of mobile money adopted on the performance of family enterprises during COVID-19 lockdown in Ekiti state. The study administered questionnaire on one hundred and fifty (150) respondents and retrieved one hundred (100) which was used for the analysis of this study using SPSS (Statistical Package for the Social Sciences). Findings from the study shows that majorities of the respondents had Diploma and Degree as their highest certificate. The nature of the family enterprises considered are publishing and printing, metal and aluminum fabrication, poultry and fishery farming and furniture, upholstery and carpentry, leather shoe making, graphic designer, automobiles mechanic and panel beaters, Gas seller, tailoring/fashion designer, and dry cleaners. Findings from the study further shows that the enterprises were self-started, owned through inheritance and while the remaining were acquired. The study findings show the factors that are influencing the adoption of mobile money by family enterprises in Ekiti State such as: perceived electronic fraud among the family enterprises discourages mobile money adoption; perceived ease of use of mobile money among the family enterprises encourages the adoption of mobile money; perceived low cost of service of use of mobile money among the family enterprises encourages the adoption of mobile money; perceived usefulness of mobile money among the family enterprises encourages the adoption of mobile money; low level of knowledge about mobile money (high level of illiteracy) among others. Findings further shows that mobile money adopted by the family enterprises are significantly influencing their performance in Ekiti State Nigeria. The study concluded that family enterprises considered are micro scales, and mostly adopted USSD (unstructured short messages) and mobile app including online banking as mobile money adopted by the selected family enterprises. The enterprises used the mobile money adopted for different transactions such as payment of salaries, products bought from suppliers, payment received on products/services sold/rendered to their customers. The study further concluded that the index factors considered in this study are cogent factors that are really influencing the adoption of mobile money. The study also concluded that mobile money adopted are significantly influencing the performance of the selected family enterprises during COVID-19 Lockdown in Ekiti State Nigeria.

VL  - 12
IS  - 3
ER  -

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Author Information

Ifeoluwa Felicia Ogunjemilua

Department of Foreign Languages, Faculty of Arts, Obafemi Awolowo University, Ile-Ife, Nigeria

Contact Email

http://orcid.org/0009-0008-6667-8363
Abiodun Isaac Oyebola

African Institute for Science Policy and Innovation, Obafemi Awolowo University, Ile-Ife, Nigeria

Contact Email

http://orcid.org/0000-0002-4174-7931
Felix Akinlade Babatola

Department of Business Administration, Joseph Ayo Babalola University, Ikeji-Arakeji, Nigeria

Contact Email

http://orcid.org/0009-0004-5783-1427
Pascal Omotayo Dada

Second Family Inc., Lanham, United States

Contact Email
Emmanuel Makanjuola Ogunjemilua

Department of Entrepreneurship, Joseph Ayo Babalola University, Ikeji-Arakeji, Nigeria

Contact Email

http://orcid.org/0000-0002-6103-754X

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APA Style

Ogunjemilua, I. F., Oyebola, A. I., Babatola, F. A., Dada, P. O., Ogunjemilua, E. M. (2024). Mobile Money Adoption and Performance of Informal Family Enterprises During COVID-19 Lockdown in Ekiti State, Nigeria. International Journal of Economic Behavior and Organization, 12(3), 123-132. https://doi.org/10.11648/j.ijebo.20241203.13

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ACS Style

Ogunjemilua, I. F.; Oyebola, A. I.; Babatola, F. A.; Dada, P. O.; Ogunjemilua, E. M. Mobile Money Adoption and Performance of Informal Family Enterprises During COVID-19 Lockdown in Ekiti State, Nigeria. Int. J. Econ. Behav. Organ. 2024, 12(3), 123-132. doi: 10.11648/j.ijebo.20241203.13

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AMA Style

Ogunjemilua IF, Oyebola AI, Babatola FA, Dada PO, Ogunjemilua EM. Mobile Money Adoption and Performance of Informal Family Enterprises During COVID-19 Lockdown in Ekiti State, Nigeria. Int J Econ Behav Organ. 2024;12(3):123-132. doi: 10.11648/j.ijebo.20241203.13

Copy | Download

@article{10.11648/j.ijebo.20241203.13,
  author = {Ifeoluwa Felicia Ogunjemilua and Abiodun Isaac Oyebola and Felix Akinlade Babatola and Pascal Omotayo Dada and Emmanuel Makanjuola Ogunjemilua},
  title = {Mobile Money Adoption and Performance of Informal Family Enterprises During COVID-19 Lockdown in Ekiti State, Nigeria
},
  journal = {International Journal of Economic Behavior and Organization},
  volume = {12},
  number = {3},
  pages = {123-132},
  doi = {10.11648/j.ijebo.20241203.13},
  url = {https://doi.org/10.11648/j.ijebo.20241203.13},
  eprint = {https://article.sciencepublishinggroup.com/pdf/10.11648.j.ijebo.20241203.13},
  abstract = {The study was carried out on family enterprises in Ekiti state during COVID-19 Lockdown: to identify socio-economic characteristics of the family enterprises; to determine the types of mobile money adopted; to determine the factors influencing the types of mobile money adopted; and to examine the effect of mobile money adopted on the performance of family enterprises during COVID-19 lockdown in Ekiti state. The study administered questionnaire on one hundred and fifty (150) respondents and retrieved one hundred (100) which was used for the analysis of this study using SPSS (Statistical Package for the Social Sciences). Findings from the study shows that majorities of the respondents had Diploma and Degree as their highest certificate. The nature of the family enterprises considered are publishing and printing, metal and aluminum fabrication, poultry and fishery farming and furniture, upholstery and carpentry, leather shoe making, graphic designer, automobiles mechanic and panel beaters, Gas seller, tailoring/fashion designer, and dry cleaners. Findings from the study further shows that the enterprises were self-started, owned through inheritance and while the remaining were acquired. The study findings show the factors that are influencing the adoption of mobile money by family enterprises in Ekiti State such as: perceived electronic fraud among the family enterprises discourages mobile money adoption; perceived ease of use of mobile money among the family enterprises encourages the adoption of mobile money; perceived low cost of service of use of mobile money among the family enterprises encourages the adoption of mobile money; perceived usefulness of mobile money among the family enterprises encourages the adoption of mobile money; low level of knowledge about mobile money (high level of illiteracy) among others. Findings further shows that mobile money adopted by the family enterprises are significantly influencing their performance in Ekiti State Nigeria. The study concluded that family enterprises considered are micro scales, and mostly adopted USSD (unstructured short messages) and mobile app including online banking as mobile money adopted by the selected family enterprises. The enterprises used the mobile money adopted for different transactions such as payment of salaries, products bought from suppliers, payment received on products/services sold/rendered to their customers. The study further concluded that the index factors considered in this study are cogent factors that are really influencing the adoption of mobile money. The study also concluded that mobile money adopted are significantly influencing the performance of the selected family enterprises during COVID-19 Lockdown in Ekiti State Nigeria.
},
 year = {2024}
}

Copy | Download

TY  - JOUR
T1  - Mobile Money Adoption and Performance of Informal Family Enterprises During COVID-19 Lockdown in Ekiti State, Nigeria

AU  - Ifeoluwa Felicia Ogunjemilua
AU  - Abiodun Isaac Oyebola
AU  - Felix Akinlade Babatola
AU  - Pascal Omotayo Dada
AU  - Emmanuel Makanjuola Ogunjemilua
Y1  - 2024/08/06
PY  - 2024
N1  - https://doi.org/10.11648/j.ijebo.20241203.13
DO  - 10.11648/j.ijebo.20241203.13
T2  - International Journal of Economic Behavior and Organization
JF  - International Journal of Economic Behavior and Organization
JO  - International Journal of Economic Behavior and Organization
SP  - 123
EP  - 132
PB  - Science Publishing Group
SN  - 2328-7616
UR  - https://doi.org/10.11648/j.ijebo.20241203.13
AB  - The study was carried out on family enterprises in Ekiti state during COVID-19 Lockdown: to identify socio-economic characteristics of the family enterprises; to determine the types of mobile money adopted; to determine the factors influencing the types of mobile money adopted; and to examine the effect of mobile money adopted on the performance of family enterprises during COVID-19 lockdown in Ekiti state. The study administered questionnaire on one hundred and fifty (150) respondents and retrieved one hundred (100) which was used for the analysis of this study using SPSS (Statistical Package for the Social Sciences). Findings from the study shows that majorities of the respondents had Diploma and Degree as their highest certificate. The nature of the family enterprises considered are publishing and printing, metal and aluminum fabrication, poultry and fishery farming and furniture, upholstery and carpentry, leather shoe making, graphic designer, automobiles mechanic and panel beaters, Gas seller, tailoring/fashion designer, and dry cleaners. Findings from the study further shows that the enterprises were self-started, owned through inheritance and while the remaining were acquired. The study findings show the factors that are influencing the adoption of mobile money by family enterprises in Ekiti State such as: perceived electronic fraud among the family enterprises discourages mobile money adoption; perceived ease of use of mobile money among the family enterprises encourages the adoption of mobile money; perceived low cost of service of use of mobile money among the family enterprises encourages the adoption of mobile money; perceived usefulness of mobile money among the family enterprises encourages the adoption of mobile money; low level of knowledge about mobile money (high level of illiteracy) among others. Findings further shows that mobile money adopted by the family enterprises are significantly influencing their performance in Ekiti State Nigeria. The study concluded that family enterprises considered are micro scales, and mostly adopted USSD (unstructured short messages) and mobile app including online banking as mobile money adopted by the selected family enterprises. The enterprises used the mobile money adopted for different transactions such as payment of salaries, products bought from suppliers, payment received on products/services sold/rendered to their customers. The study further concluded that the index factors considered in this study are cogent factors that are really influencing the adoption of mobile money. The study also concluded that mobile money adopted are significantly influencing the performance of the selected family enterprises during COVID-19 Lockdown in Ekiti State Nigeria.

VL  - 12
IS  - 3
ER  -

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