₦airaland Forum

Minister of Education, Ruqayyatu Rufai, however said the post UME exercise, despite obvious failures in the screening exercise by some tertiary institutions, still remains relevant and will continue until a standardised system is adopted for admitting candidates into higher institutions.

“The Post UME issue is something we have to deliberate more on and make changes where necessary, but as at now, post UME would continue because after this examination being taken by the students now; they will go to their various universities,” said Mrs. Rufai. “We are

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They don't and if you try they will put your funds on hold for 30days before it reflect back

nagging and low libido

Happy new Month,

I want to specially thank you for been there from January to date.

I Must confess you are great.

2010 is almost gone and I need to reward my follow customers,forum members,followers,subscribers,fans etc for a work well done.

Andy
businessreportng@gmail.com

Greetings Nairalander,

I am offering a special discount for nairalanders today which is 165 naira per dollar for alertpay instead of the normal N200 for anyone buying from $150 upward.

Andy
call 08020394888
businessreportng@yahoo.com

Afolabi send your request for the free report to businessreportng@yahoo.com

Get Zenith bank Websurfer card I use it for facebook ad

Am Shy

Its really funny when someone with a soul and spirit says there is no God I wonder where this person is coming from and why they dont understand the simple logic and logic world view that they are all a spark of God and also an extension.

In other word you only don't believe in what you think exist so I think Atheist-ism is another way of believing in God.


Hope this help.

Ye are gods with a Father God

Be Strategic Bro and pragmatic and not Diplomatic to Nigerians at least we are growing.

I am surprise people are acting different to this particular role she played in this movie talking professionally and following her recent trend.

Facebook is really Amazing while I was in Awe of the skype feature they integrated recently, facebook email was launched.

I have been able to blog  some good and bad feature of this new facebook email to users security.


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I hope this does not course an unrest in the North.

I think he should leave the politics for the people because every country deserve any kind of leader it has.

Andy

My brother use this opportunity to acquire a skill. who says you can make money while in school?

Andy

Relevance?

This Facebook guy has taken over the Internet.

My concern is the speed and also if the connection can be used outside lagos but within Nigeria.

Outstanding

beautyline, The Internet is the greatest invention of the century and I tell you there are lots of wonderful secrets and opportunities.

Nice forum Topic. I have a thread where I explained and gave out free report on how you can start importing goods from China without a startup capital.

You can find it here: https://www.nairaland.com/nigeria/topic-548754.0.html

Andy

Andy Ochumba
08020394888
businessreportng@yahoo.com

I have been receiving lots of thank you text messages from Nairaland Members about the Free report on *How I can start Importing Goods from China  and globally without Startup Capital*

Please henceforth I will prefer all thank you messages should be posted on this thread.

All the best

Good people Great Nation

Andy Ochumba

Nice forum Topic. I have a thread where I explained and gave out free report on how you can start importing goods from China without a startup capital.

You can find it here: https://www.nairaland.com/nigeria/topic-548754.0.html

Greetings,

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In the mail just put your full name, location and where you heard about this report

Greetings

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Andy Ochumba
08020394888

1. Attitude: An attitude may be defined as a learned disposition to behave in a consistently favourable or unfavourable way with respect to a given object (Schiffman and Kanuk, 2000). Stated differently, it positions people into a frame of mind of liking or disliking things, of moving toward or away from them‘ (Kolter and Armstrong, 2008: p144). It is acknowledged that people have attitudes toward almost everything - religion, politics, clothes, music, food (Kotler, 2003). For instance The demand for life insurance in a country may be affected by the unique culture of the country to the extent that it affects the population‘s risk aversion (Douglas and Wildavski, 1982). Henderson and Milhouse (1987) argue that an individual‘s religion can provide an insight into the individual‘s behaviour; and understanding religion is an important component of understanding a nation‘s unique culture. Also, Zelizer (1979) notes that religion historically has provided a strong source of cultural opposition to life insurance as many religious people believe that a reliance on life insurance results from a distrust of God‘s protecting care. But historically, some form of social insurance existed in Nigerian and Africa society long before the introduction of the modern insurance in Nigeria (Osoka, 1992). These social schemes evolved through the existence of extended family system and social associations such as age grades, and other unions. The simplest form of the ‗social insurance‘ was practiced by means of providing cash donations, materials or sometimes organized collective labour to assist members of extended family and members of social or communal associations who suffer a mishap.

2. Lack of Knowledge of Insurance Culture: In a recent study of quality of life in developing countries with reference to South Africa (Moller, 2004), income and social security (own wages, ability to provide for family, insurance against illness/death and income in old age) have been treated as one of the major indicators of quality of life. This standpoint stresses the significance of insurance to human life. Ironically, insurance services seem not to have been so accepted enthusiastically in developing countries. The abysmal level of insurance culture in developing economies has attracted relative interests among researchers and practitioners alike. Risk has been identified as a central fact of life in the rural areas of less-developed countries (Udry, 1994). Some of the problems associated with this have been marketing. For example, Omar (2005) assesses consumers‘attitudes towards life insurance patronage in Nigeria and found out that there is lack of trust and confidence in the insurance companies. Other major reason for this attitude is lack of knowledge about life insurance product.

3. Low Level of Education: Educational status of Nigerians has significant influence on their attitude towards insurance. Educated people have more positive attitude to insurance than less educated ones. In a recent insurance conducted in Lagos, Nigeria. The choice of Lagos is due to its nature as a metropolitan city where most Nigerian ethnic groups are largely represented.  Fact shows that respondents with higher education outperformed others even though no statistical significant difference was observed with vocational education.

4. Unemployment Issue: Employees working status has a significance effect on Nigerians attitude towards insurance. Retired and Employed Nigerians with means attitude scores of 28.50 and 28.14 respectively outperformed their competitors. No significant difference was observed between retired, employed and Self-employed respondents. On the other hand, self-employed people have significantly higher attitude towards insurance than unemployed, student and part time workers. This result is quite similar to findings in most developed world.


In Conclusion, The findings of this study suggest some major implications for marketing of insurances services in Nigerian businesses environment which is a big market. Given that attitude is strongly linked to behaviour, marketers of insurance services targeting Nigerians are confronted with the challenge of encouraging people to embrace insurance institution and its associated benefits. Based on the findings, this article confirms negative attitudes of Nigerians to insurance services further. But apart from this broad finding in respect of the negative attitudes to this line of business, this study suggests some specific findings based on different demographical factors of the respondents. The findings serve as inputs to marketers of insurance services on how they formulate and implement relevant marketing strategies towards addressing the nonchalant attitude of Nigerians to insurance. For instance, specific marketing strategies are required to encourage the young generation below 46 years of age, the divorced/separated, and the less-educated to embrace and appreciate the role of insurance. Since, the basic issue associated with this lack of interest rests mainly in their lack of appreciation of the roles of benefits of insurance services; it is recommended that significant marketing communication activities with instant compensation to both marketers be targeted more at this set of people highlighted. This will help to kindle their interest in the business and brings the insurance institution to the highly exalted position it belongs in their perception.

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