Insurance companies deal principally money and property. According to Brettl. J. the subject matter of insurance is money and money only. They act as mobilizers of funds from surplus units and channel them to deficit units. This channeling can be refered to as indemnity. This can be put in another way, that the primary purpose traditionally of insurance to spread the financial losses of insured members over the whole of the insuring uncertainty by compensating t... read more

Insurance is the modern means of protecting himself against losses. It is the device, by which man is able to protect himself against risk. In other words, insurance is the system where an insurance company upon the receipt of a certain amount of money from a person, agrees to pay compensation or render certain services, to the person, if, and whenever that person suffers the kind of loss that was specified in the insurance agreement. What this means is that insurance is the means by which peo... read more

the need for intermediaries in insurance market in Nigeria is an issue which its important cannot be over emphasized. Research has shown that the problems encountered by the intermediaries has an impact on the growth of insurance level in our society, there is a wide spread of lack of what benefit it is to the society. Research has shown that there is a significant relationship between the extent to which one understands and the importance one attaches to insurance. The more clear... read more

Insurance in its modern form was first introduced into Nigeria by the British long before the arrival of the British a lot of organized trading activities was going on in the Nigeria territory, but there was no organized insurance business, as we know it today. The first insurance company to have a full branch office in Nigeria was the Royal Exchange Assurance. It opened its first office in Lagos in 1921 and until 1949 it practically dominated insurance business in the country. Therefore, there ... read more

Throughout commercial airline history, the timely movement of aircraft, passengers and cargo has required the even more timely movement of information. This was never truer than today, where information has become not just an operational tool, but a competitive weapon. To capitalize on this information, the technological revolution and the information society have brought us a dazzling set of capabilities. But, they have also brought us a bewildering array of options for services, costs, methods... read more

The history of women equality in Nigeria can be traced to pre-colonial, colonial and post colonial to the present dispensation, globally, the struggle of gender equality occurred for over a long period of time by leading countries such as the United States of America, France and Britain (ojiakolor and Nwachukwu, 1998). Early efforts were made at the 4th world conference on women held in Beijing, china, between 4th _15th September, 1995 in order to adopt a women’s right charter which would allo... read more

The quest for the rehabilitation of the physically challenged has always been a major concern and challenge to many governments in different countries of the world especially among the African Nations. Every human society is undoubtedly faced with enormous problems of daily provision of certain services to its teaming populace. Rehabilitation of the physically challenged people on Nigeria has become an increasing societal problems basically because of ineffective social policy. Ac... read more

The study of motivation and behaviour is a search for answer to the perplexing question about human behaviour (Hersey and Blanhers, 1979). The Motivation of people in organization through a popular subject of discussion in seminars, symposia, workshops and written professional journals and books, yet is one of the least understood concepts as a management technique (Francis and Milbourn, 1980). Often people do not know why others behave the way they do. Why they are behaving diffe... read more

Juvenile delinquency is an intractable problem worldwide and has been increasing phenomenally by as much as 30 percent since the 1990s (World Youth Report, cited in Sheryln, 2008). Anti-social behaviours of young people have been posing a lot of problems to the wellbeing of the people in Nigeria. Citizens, researchers and public officials perceive juvenile delinquency as a major social contemporary concern in Nigeria. Juvenile crimes witnessed in Nigeria include: drug abuse, cultism, bullying, t... read more

Interior design in hospitality industry is the style of decoration used in room. It is the frame work through which the prospective guests view the hospitality industry which include residential, establishment restaurants, fast foods, outlets and hotels. In any residential establishment, the basic requirements for guest are food, drink and accommodation. The statement “that first impression last longer” is very true as the guest from his/her impression on entering decides if he/... read more

Prison is an institution designed to securely house people who have been convicted of crime or are on awaiting trial. These individuals known as prisoners or inmates are kept in continuous custody on a short or long-term basis. Individuals who commit the most heinous crime are sent to prison for more years, the more serious the offence ,the longer the prison term imposed (Microsoft Encarta 2008). Also according to McCorkle and Korn (1970)., Prison can be defined as a physical struct... read more

The primary care system in Nigeria came to provide package such as immunization, micro-nutrient support, family planning counseling, pre-natal and post-natal care, health education and basic curative care (the family manager 1997) various government have tried to implement policies aimed at reducing the population growth through family planning programmers. A better access to good quality reproductive health service particularly family planning is the key to improving healthy status especially f... read more

Prostitution has become rampant in our society today among growing teens and youths. These young people see selling of their bodies as the fastest way of getting income for their keeps. In the past those engaged in prostitution use to be women selling their bodies. However, today men have joined the trade of selling their bodies for different reasons including drugs, jobs or contracts and also good grades in exams. This is because sex consumers include politicians, bosses in offices, lecturers w... read more

Nigeria is bedeviled by a myriad of problems which, despite her oil wealth, inhibit her development and even threaten her continued existence as a sovereign state. Nigeria’s socio-political and economic circumstances give the significant indication that many of her problems stem from an origin of artificial colonial construct which lumped together a variety of separate peoples. Fragmentation of the nation is seen as a distinct possibility unless its citizens can be induced to accept a new sens... read more

Since the early times, herbs, leaves and plants have been use to heal and control diseases. The use of drugs in itself does not constitute any danger, because drugs correctly administered have been a blessing. Falco (1988) as cited by Sambo (2008) viewed that “chronic use of substances can cause serious, sometimes irreversible damage to adolescent’s physical and psychological development. The use of drugs could be beneficial or harmful depending on the mode of use. A drug refers to a subs... read more

Child abuse is also called cruelty to children; the willful infliction of pain and suffering on children through physical, sexual or emotional mistreatment. Prior to the term, child abuse normally referred to only physical mistreatment but since then, its application has expanded to include, in addition to inordinate physical violence, unjustifiable verbal abuse, the failure to furnish proper shelter,, nourishment, medical treatment or emotional support. Child abuse can also be seen a... read more

Students performance in secondary schools over the years, have not been very encouraging. This has been giving the government and parents a lot of causes for concern. Some analysts have likened the cause for concern of this problem to the incessant strike action embarked upon by teachers as a result of irregular payment of salaries. Others attribute it to lack of seriousness on the part of the students. These facts may not be far from the truth. The analysis however, cannot be said to be thoroug... read more

According to Nelson (2001), he sees family planning as a system of limiting family size and the frequency of child bearing by the appropriate use of contraceptive techniques. On the issue of health, Lawrence, (2006) on his own sees family planning as a health service that keeps couples decide whether to have children and if so, when and how many. Telling on the population size of any location. Frederick (2004) writes that “the population size of any location is the ratio of the sum total of th... read more

The increase of street trading and rape over the years in Oredo Local Government Area of Edo State cannot be overemphasized. Any critical observer of Nigerians socio-economic condition will agree that the living condition of some people are below standard. It can be observed that majority of these street trading are exposed to danger, for instance female street vendors frequently become victims of rate, this is dangerous because forced sexual activity may cause infection that may cause irreparab... read more

The immunization of a new born child is a very important way of preventing illness considering the way common diseases that claimed the life of children. According to Oichl and Datrymple (2009) when more than 50% of a community population are immunized against a disease, the possibility of epidemic is removed. Supporting this view, Ogbuibe (2005) pointed out that the entry point to be fill introduction of all elements of primary health care system, immunization against diseases in one of the fai... read more