Articles

Browse our published research articles

12 articles
11
Research Article

ASSESSING OUT-OF-POCKET HEALTHCARE EXPENDITURE AND UTILIZATION IN NORTHWESTERN NIGERIA

Aminu Ma'aruf Nass*, Adeleke Ismail Adedeji

This study investigates healthcare utilization and out-of-pocket (OOP) expenses across Nigeria's northwestern states. Using primary data from household surveys and secondary data on state healthcare budgets, the study employs the frequency method and generalised logit regression model, it examines socio-economic and demographic determinants affecting healthcare access and expenditure. Results reve...

Apr, 2025 pp. 63-72
12
Research Article

INTEGRATING CHRONIC HEALTH RISK FACTORS INTO PENSION LIABILITY AND MORTALITY ANALYSIS

OGWU KINGSLEY JOEL*, Imoseme Marian Izedomi

This study examines how chronic health conditions influence pension liabilities by modeling long-term mortality risks associated with diseases such as cardiovascular disease, diabetes, and respiratory illnesses. Using a hypothetical dataset based on actuarial principles and mortality tables, it simulates the impact of these conditions on mortality rates and pension obligations under different inte...

Apr, 2025 pp. 73-83