Volume 2

Issue 1

Published in 2026

Issues in this Volume

Issue 1 (June)

Articles in this Volume

7 articles
1
Research Article DOI: 10.67203/jarmf.2026.kxtsoxf8

Macroeconomic Pressures,Housing Policy, and Retirement Income Security: An Empirica Assessment of Inflationand the 25%Residential Mortgage Withdrawal Policyon Retirement Benefits Adequacy under Nigeria's Contributory pension Schemel

Aishatu Halliru*, Ahmed Muhammad Yabagi

ABSTRACT: Retirement income security under Nigeria’s Contributory Pension Scheme (CPS) is increasingly threatened by severe macroeconomic instabilities and structural shifts in policy design. This study empirically evaluates the individual and combined effects of persistent inflation and the 25 percent residential mortgage equity withdrawal policy on retirement benefits adequacy in Nigeria. Ground...

Oct, 2026 pp. 15-28
2
Research Article DOI: 10.67203/jarmf.2026.4j0sasfi

ACTUARIAL SCIENCE, ENTERPRISE RISK MANAGEMENT AND STRATEGIC DECISION-MAKING EFFECTIVENESS AMONG PENSION FUND ADMINISTRATORS (PFAs) IN NIGERIA

Anas Abubakar*, Idris Ahmed Aliyu

This study examines the relationship between actuarial science, enterprise risk management (ERM), and strategic decision-making effectiveness among Pension Fund Administrators (PFAs) in Nigeria. The study uses an explanatory mixed-method design comprising questionnaire responses from 134 pension risk professionals and semi-structured interviews with 10 senior risk executives. Multiple regression w...

Oct, 2026 pp. 29-42
3
Research Article DOI: 10.67203/jarmf.2026.h0yp5hdx

Contributory Pension Scheme, Payment Timeliness, and Retirees’ Welfare in Dutse, Jigawa State Nigeria.

Sirajo Bello Dabo*

This study investigates the effect of Contributory Pension Scheme (CPS) on retirees’ welfare in to drawing on a sample of 186 respondents selected from a population of 360 retirees under three Pension Fund Administrators (PFAs) crusader sterling Pension, Premium Pension and Access Pension using stratified random sampling. Data were collected through structured questionnaires, interviews, and sourc...

Oct, 2026 pp. 80-94
4
Research Article DOI: 10.67203/jarmf.2026.zzxs1867

Premium Growth and Underwriting Performance: Empirical Evidence from Quoted Non-life Insurance Companies in Nigeria

Olufemi Abass*, Ismaila Safiu, OLUBUSADE Temidayo Jerry, MUSTAPHA Omotayo

There has been a dichotomous finding among researchers in area of insurance companies’ underwriting performance indices and premium year in year out. This study examined the relationship between insurance premium growth and underwriting performance of quoted non-life insurance companies in Nigeria. The study adopted a panel research design using an ex-post facto approach as data were sourced from ...

Oct, 2026 pp. 1-14
5
Research Article DOI: 10.67203/jarmf.2026.b47zzt60

Assessing Regulatory Efficacy: Evidence from the Nigerian Insurance Industry Reform Act 2025

OSINOWO Ibrahim Temitope*, Professor Adeleke Ismail.A, Professor Tajudeen Yusuf

In response to worries about under capitalization in the insurance industry and its clear impact on public confidence and financial intermediation, the Nigerian Insurance Industry Reform Act (NIIRA) 2025 was passed into law to become the main piece of legislation governing the insurance sector and its operators in Nigeria. Although, government regulations enable businesses to ensure compliance wit...

Oct, 2026 pp. 43-63
6
Research Article DOI: 10.67203/jarmf.2026.6isdztig

Parametric Estimation of the Siler Mortality Model: Applications to Hazard Rate and Survivorship Analysis

Alfred Timzing Chakfa*, Gbenga Michael Ogungbenle, Fatima Muhammad Abdulkarim, Sani Yahaya, Muhammad Abubakar Adam

This article investigates the approach to the Siler mortality model and it optimization techniques in modeling hazard rate intensities and survivorship experiences based on actuarial life table data sourced from Institute and Faculty of Actuaries (IFoA) ELT15 male mortality table for ages 20, 40, 60 and 80 with their respective μₓ values 0.00083, 0.000166, 0.01323 and 0.09675 following a parametri...

Oct, 2026 pp. 95-114
7
Research Article DOI: 10.67203/jarmf.2026.5ls1usop

Managing Supply Chain Risks in Small-Scale Manufacturing: A Study of the Sachet Water Industry in Dutse, Nigeria.

Sirajo Bello Dabo*

This study examined supply chain risk management practices and their influence on operational efficiency among sachet water producers in Dutse, Jigawa State, Nigeria. The study sought to identify major supply chain risks, assess the risk management practices and mitigation strategies adopted by producers, and evaluate the extent to which these measures contribute to operational efficiency. A quant...

Oct, 2026 pp. 64-79
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