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- W7222205 abstract "This study examines the relationship of commercial banks distribution across geographic space and the socio-economic potentials therein. Ground truthing and socio-economic survey were employed to ascertain the number of banks available in each senatorial district of the state and to ascertain the socio-economic profile of the users of these banks respectively. Statistical technique was use in the analysis of market segmentation through factor and cluster analysis, and GIS techniques for spatial analysis. It was discovered that the major factor responsible for the spatial variation in the clustering of banks is the distribution of government owned parastatals and Industries in the state. The west senatorial district with its number of parastatals and industry has a greater competitive advantage over the other two districts. Its socio-economic potentials are very high and thus it has the highest number of banks (66 per cent). The GIS approach show cases its relevance in efficient marketing strategies for Banks and also in government decision making. Introduction In recent times, as Nigeria repositioned itself in the National Economic Empowerment and Development Strategy (NEEDS) programme, the banking sector has witnessed various reforms because of its role in promoting economic growth and development. Banks are now facing more aggressive competition and unlimited opportunities provided by Globalization, financial liberalization and advances in information technology (Lee and Fukui, 2003; Jafrullah et al, 2003; Bello, 2005 and Claessens and Von Horen, 2007). The financial liberalization in Nigeria otherwise call Banking sector consolidation and recapitalization, is making the banks to be more market driven and market responsive (Adedipe, 2005 and Imala, 2005) as can be seen in customers-banks relationship, banking services and products, banks expansion and location, and sales of shares and dividend declaration. Lord and Wright (1981) indicated that location of new banks or expansion of existing ones may largely depends on the following variables: information of localities, building availability and suitability, availability and cost of energy, availability and quality of infrastructure (medical, telecommunication, water etc)," @default.
- W7222205 created "2016-06-24" @default.
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- W7222205 date "2008-01-01" @default.
- W7222205 modified "2023-09-27" @default.
- W7222205 title "The Spatial Pattern of Commercial Banks in Kogi State of Nigeria" @default.
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