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Kaduna Business School

Dr. John Nma Aliu, Ph.D.

Dr. John Nma Aliu, Ph.D.

Finance & Banking, Entrepreneurship and Public Policy

Background

Dr. John Nma Aliu is an academic and practitioner renowned for his expertise in Banking and Finance, microfinance and entrepreneurship. His ability to seamlessly integrate theoretical knowledge with practical applications has fostered innovation and sustainable practices in financial management.

Dr. Aliu’s philosophy is rooted in the belief that education is a critical catalyst for economic development. He is dedicated to empowering students and communities through teaching and research, with a strong emphasis on financial literacy and accountability. His leadership of the Kaduna Polytechnic Entrepreneurship Team (ENACTUS) to national victories underscores his commitment to practical education and student mentorship.

Throughout his career, Dr. Aliu has held key positions, including Principal Lecturer and Senior Lecturer, and has played a crucial role in various committees and leadership positions. His contributions include chairing committees focused on academic excellence, budget coordination, and infrastructure planning, as well as serving as President of the CABS Cooperative Investment and Credit Society. His work has significantly influenced the governance and development of Kaduna Polytechnic.

Currently, Dr. Aliu is a Chief Lecturer at CBMS Kaduna Polytechnic, where he has made substantial contributions to curriculum development and student engagement. He also serves as a senior faculty member at KBS Monotechnic, where he continues to guide and mentor students.

Dr. Aliu holds multiple degrees, including a Ph.D. in Entrepreneurship with a specialization in Microfinance Banking, highlighting his dedication to lifelong learning and academic excellence

Areas Of Expertise & Research Interests

  • Microfinance Banking
  • Financial Management
  • Risk management strategies in banking
  • Behavioral finance and retirement savings
  • Financial accountability and transparency in public funds
  • Entrepreneurship and innovation in financial services
  • Public Policy and Administration
  • Economic Development
  • Organizational Behavior

Education

  • Ph.D. in Entrepreneurship (Microfinance Banking), 2016
  • Master of Philosophy in Entrepreneurship, Jomo Kenyatta University of Agriculture and Technology, 2011
  • Master’s Degree in Public Policy & Administration, Bayero University, Kano, 2006
  • M.Sc. in Banking and Finance, Bayero University, Kano, 1999
  • B.Sc. in Banking and Finance, Al-Hikmah University, Ilorin
  • PGD in Banking & Finance, Bayero University, Kano, 1996
  • PGD in Co-operatives Studies, Kaduna Polytechnic, 1995
  • Diploma in Public Administration, Kaduna Polytechnic, 1993
  • Higher National Diploma in Accountancy, Kaduna Polytechnic, 1990
  • National Diploma in Accountancy, Sokoto State Polytechnic, 1987

Key Publications And Presentations

Dr. Aliu has an impressive body of work with over 60 journal articles published in the fields of Banking, Finance, Microfinance, Entrepreneurship and Public Administration. His research contributions have significantly advanced knowledge and practice in these areas, reflecting his deep commitment to academic excellence and thought leadership.

  • “The Role of Microfinance Institutions in Funding Primary Education in Nigeria” – Journal of Vocational Education, 2008.
  • “Risk Management Strategies for Nigerian Banks” – International Journal of Arts, Admin & Social Sciences, 2010.
  • “Services Quality and Customer Satisfaction in Banking Industry” – UNIOSUN International Journal of Business Admin, 2018.
  • “Financial Management Practices in Microfinance Banks and the Growth of New Entrepreneurial Ventures” – Finance & Banking Review, 2019.
  • “Using the Normative Factors of Behavioral Finance to Determine the Retirement Savings of Nigerian Workers” – Kaduna State University Journal of Management Science, 2019.
  • “Entrenching Financial Accountability in Local Government Areas” – International Journal of Advanced Research in Social Sciences, 2019.
  • “Insurance Premiums and Claims Management in Nigeria” – Journal of Economics and Finance, 2019.
  • “Impact of Entrepreneurs Individual Characteristics on the Performance of SMEs in Nigeria” – Kaduna State University Journal of Management Sciences, 2017.
  • “Adoption of IFRS and Financial Statements Effects” – International Journal of Sciences & Strategic Management Techniques, 2016.
  • “Effect of Social Performance of Microfinance Banks on Services to SMEs in Nigeria” – International Journal of Entrepreneurial Development, Education & Science Research, 2015.

Textbooks And Chapter Contributions

  • Essentials of Community Banking – Saida Comm. Zaria, 1994 (Text Book).
  • Practical Auditing: Q&A – Allegiance Publisher, Kaduna, 2004 (Text Book).
  • Accounting Practice for Beginners, Allegiance Pub. Kaduna, 2005 (Co-authored Text Book).
  • Entrepreneurship: Making it work for you. EverDlord Publishers, 2013
  • Microfinance in Nigeria: Promoting Entrepreneurship Development. EverDlord Publishers, 2013.
  • Infrastructure, Economic Development and Poverty Reduction in Africa – Chapter Contribution Title: Understanding Entrepreneurship and Business Plan. Published in African Development Charter Series 2, Science Publishing Corporation Germany, 2015 (Chapter Contribution).
  • Reviews on National Building in Africa. Chapter Title: The Role of Cooperative Entrepreneurship in Poverty Reduction and Nation Building P. 373 to 382 (Chapter Contribution). Published by Adv. Publishers, University of Ibadan. April, 2020.
  • 2030 Development Agenda: Challenges & Prospects for African Economies. Chapter Title: The role of Entrepreneurship Development in the Eradication of Poverty and Hunger in Nigeria. P. 93 to 107 (Chapter Contribution). Published by Adv. Publishers, University of Calabar. August 2020.
  • Covid – 19: Policy Responses & Impacts on World Economy. Chapter Title: Covid-19 Pandemic: Spillover Effect on Entrepreneurship Development in Nigeria. P.35- 45 (Chapter Contribution) Published by University of Calabar. August, 2020

Global Engagements

  • Guest Speaker at the 2019 International Day of Cooperatives, Institution of Cooperative Professionals of Nigeria.
  • Chairman of the 17th Annual National Conference of the National Science & Technology Forum, CST Kaduna Polytechnic, 2019.
  • External Assessor for The Federal Polytechnic, Damaturu, Yobe State, Nigeria, 2015.

Honors, Awards, Professional Memberships

  • Best Student of Public Administration, Kaduna Polytechnic, 1993.
  • National Award for Writing Well-Researched Articles on Community Banking, 1994.
  • Meritorious Award from the Diocese of Kaduna Women’s Guild & Mother Union, 2018.
  • Member of the Institute of Management Consultants, 1997.
  • Member of the Nigerian Institute of Management, 2003.
  • Member of the Chartered Institute of Bankers of Nigeria, 2011.