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Mr. Edim Ndifon Obim


Banking and Finance


Senior Lecturer


[email protected]

About Mr. Edim Ndifon Obim

My name is Edim Ndifon Obim, born on 3rd April, 1958 at Akparabong in Ikom Local Government Area of Cross River State, Nigeria. I am a Senior Lecturer and Staff Academic Adviser in the Department of Banking and Finance, University of Calabar. Prior to my appointment as a lecturer in 2013, I had worked for many years in the banking industry and held many executive positions. I was the founding manager of Unical Community Bank and Pioneer MD/CEO of Unical Microfinance Bank. I had served as State Chairman of the National Association of Microfinance Banks, Cross River State Chapter till 2012. I am also a Pastor and Minister of the Gospel. I hold a B.Sc (Hons) degree in Education/Economics as well as PGDM, MBA and M.Sc (Finance) degrees. I am currently pursuing a doctorate degree in Banking and Finance at the Michael Okpara University of Agriculture, Umudike. I am a member of the Chartered Institute of Bankers of Nigeria (CIBN), Rotary International and Fellow of the Institute of Chartered Management Accountants (FCMA) and the Institute of Strategic Management of Nigeria (FSM). I have also earned many awards of honour in course of my working life including: Excellent Service Award from the Institute of Economic Management of Nigeria (2005), Nigerian Merit Gold Award for Productivity (2009), Best Microfinance Bank MD/CEO of the year Award (2009), and the Leadership Distinction Award for Microfinance Banks in South–South (2010). I teach and supervise Undergraduate and Post-graduate (M.Sc) students. The Undergraduate courses I teach include: Financial Management, Project Evaluation & Analysis, Entrepreneurial Development, Business Statistics, Banking Methods & Processes, and Research Project Supervision. The Post-graduate (M.Sc) Courses Include: Theory of Financial Intermediation, International Banking & Finance, Seminars Supervision and M.Sc Theses Supervision. I equally Supervise DBA Research Projects /Final Essays for Diploma students in Business Administration. I have more than fifteen Publications in Local and International Journals and have co-authored two textbooks: Nigerian Financial Environment, and Microfinance Practice and Growth of Small Businesses in Nigeria. I attended and made a power-point paper presentation at the 8th International Conference on Accounting and Finance Research Association (AFRA) in 2018. I am also collaborating with other colleagues in various research activities both in the University of Calabar and other Nigerian Universities, in addition to my Ph.D dissertation. I am happily married with children.

S/N Qualification School Atttended Started Finished
FSLCPresbyterian Primary School, Ikom 19701972
WASCGovernment Secondary School, Ikom 19731978
B.Sc (Hons) Edu/Econs University of Calabar ,Calabar19801984
PGDMUniversity of Calabar ,Calabar19921993
MBAUniversity of Calabar ,Calabar19941996
M.Sc (Finance)University of Calabar ,Calabar20042006

S/N Publication
Emefiele, C., Obim, E. N., & Ita, R. I. (2019). Deficit budget and its effect on the growth of Nigerian economy. HARD International Journal of Banking and Finance Research. 5(1), 44-52
Obim, E. N., Owui, H., Emefiele, C., & Edim, (2018). A disaggregated and comparative analysis of working capital management on the performance of manufacturing firms in Nigeria: A study of Nestle and Cadbury Nigeria PLC. Research Journal of Finance & Accounting, 9(4).
Obim, E. N., John, I. J., & Orok, A. B. (2018). Interest rate policy and the growth of the Nigerian economy (1990-2016); Journal of Banking and Finance Dynamics: 2(1), 16-23
Emefiele, C., Obim, E, N., & Nkamare, S. E. (2018). Impact of electronic banking on detection of fraud in Nigeria banking system. International Journal of Research in Finance and Marketing. 8(9), 1-14.
Obim, E. N., & Takon, E. M. (2018). Developmental imperatives of SMEs for national development: The case of Nigeria. Accounting and Finance Research Association (AFRA): Book of Abstracts, 8th International Conference: 4th -6th November. P. 18-19.
Obim, E. N., & Takon S. M. (2018). Nigerian financial environment. A theoretical exposition. Calabar: Presbyterian Press.
Obim, E. N., & Obim, R. E. (2018). Microfinance practice and growth of small businesses in Nigeria. Calabar: Presbyterian Press.
Eba, A. O., Obim, E. N. Emori, E. G., & Emefiele, C. C. (2017). A disaggregated analysis of government expenditure on the growth of Nigerian economy (1990-2015). Journal of Finance and Accounting. 8 (14), 116-122.
Obim, E. N., Atseye, F. A., & Obim, R. E. (2017). Challenges and prospects of the growth of small and medium scale enterprises (SMES) in Nigeria: A review article. International Journal of Social Science and Economic Research, 2(12), 5552-5566.
Emori, E. G., Obim, E. N., Eba, A. O., & Emefiele, C. C. (2017). Effect of bank lending rate on the performance of Nigerian economy. European Journal of Business and Management, 9(21), 92-95.
Oti, P. A.; Igbeng, E., & Obim, E. N., (2016). Appraisal of policy impact of treasury single account in Nigeria. Research Journal of Finance and Accounting, 7 (20), 45-52.
Atseye, F. A., Obim, E. N., & Ezeaku, H. C. (2015). An empirical investigation of the impact of bank credit on economic growth in Nigeria. Indian Journal of Applied Research, 5 (11), 268-271.
Eneji, C. V. O., Obim, E., & Udomo, B. O. (2014). Microcredit facilities and the challenges of meeting the millennium development goals for sustainable rural development in Nigeria. Journal of Research in Economics and International Finance, 3 (3), 72-78.
Atseye, F. A., Obim, E. N., & Eke, F. A. (2014). Determinants of financial structure: Evidence from Nigerian quoted firms. Research Journal of Finance and Accounting, 5 (16), 53-66.
Obim, E. N., Atseye, F. A., & Eke, F. A. (2014). Relationship between capital structure and firm’s performance: Theoretical review. Journal of Economics and Sustainable Development, 5 (17), 72-76.
Obim, E. N. (2013). The impact of financial risk on household income in Nigeria. Annals of Humanities and Development Studies, 4 (1), 105-113.
Eneji, C. V. O., Obim, E., Otu, J. E., & Ogli, S. O. (2013). Non-governmental organization’s agricultural micro credit facilities and household income in Benue state, Nigeria. International Journal of Management Sciences, 1 (10), 362-375.
Eneji, C. V. O., Obim, E., Eneji, J. E. O, Ellah, T. O., & Ushie, A. (2013). Civil societies/non-governmental organizations as catalysts for the attainment of the Millennium Development Goals in Nigeria. International Journal of Management Sciences, 1 (II), 427-435.

warning No Result For Grants Received.

S/N Conference Description Started Finished
Governance & National Development: The Role of Accounting and Finance The 8th International Conference of Accounting and Finance Research Association (AFRA).Developmental Imperatives of SMEs for National Development: The case of Nigeria2018-11-042018-11-06