Dr. Christopher Osega Otubor

Dr. CHRISTOPHER OSEGA OTUBOR is an indigene of Edo State, Ishan by tribe of, Esan South-East Local Government Area. He was born to the family of Joseph Ikhuemen Otubor. His place of birth is Makurdi, Benue State. The primary schools attended are: St. Theresa Primary School, Makurdi, Benue State, and RCM, Primary School, Mada, Nasarawa State. The secondary schools attended are: Midland Commercial College, Jos, Plateau State, and Masev Community Secondary School, Taraku, Benue State. The tertiary schools attended are: Plateau School of Accountancy & Management Studies, Jos, Plateau State from 1988-1990; University of Jos, Centre for Continuous Education, Jos, Plateau State from 1990-1992, University of Jos, Jos, Plateau State from 1992 -1997; Nnamdi Azikiwe University, Awka, Anambra State from 2000-2001, and University of Jos, Jos, Plateau State from 2014-2022.

Email - otuborc@unijos.edu.ng; chrisotubor1968@yahoo.com;

Phone number: 08060036600

He is currently a Senior lecturer at the University of Jos, Faculty of Management Sciences, Department of Banking and Finance. He holds PhD in Accounting and Finance.

Academic qualifications obtained are:
1. Doctor of Philosophy (PhD) in Accounting and Finance at University of Jos, with specialization in Bank Loan and Small Business Development;
2. Masters of Business Administration (MBA) in Accounting at Nnamdi Azikiwe University, Awka;
3. Bachelor of Science (BSc) in Accounting at University of Jos;
4. Ordinary National Diploma (OND) Accounting at University of Jos;
5. Ordinary Diploma (OD) Accounting at Plateau School of Accounting and Management Studies, Jos.

Specialization: Accounting, Finance, Bank Loan, Small Business, and Entrepreneurship Development, Financial Analysis, Bank Credit Writing, Project Management & Development, Research and Development, Seminar and Conference Papers Presenter, Knowledge and Policy Development

Professional Membership and Affiliations are:
1. Capital Market Academics of Nigeria (CMAN)
2. Association of National Accountants of Nigeria (ANNA) (Certified National Accountant, CNA
3. International Journal of Economics, Finance and Management Sciences Editorial Board Member IJEFM), New York, 10020 U.S.A.
4. International Research and Development Institute Research and Development Network
5. The Institute of Chartered Economist of Nigeria (ICEN)
6. The Chartered Institute of Bankers of Nigeria (CIBN) (Student Member)
7. The Institute of Chartered Management Auditors of Nig. (ICMA) (Fellow FICMA)
8. The Institute of Chartered Accountants of Nigeria (ICAN)(Student Member)

Scholarly awards/ recognition are:
1) Certificate of Participation and Paper Presentation, Bank Support Systems and University of Jos General development, International Conference on Humanities and Social Sciences (2024)
2) Certificate Letter of Commendation for Exceptional Productivity from Complex “A” REF: UJ/FSS/69A, University of Jos
3) Letter of Commendation from NYSC for Special Service 1999
4) Law of Contract Training Participation by LA PLAGE SERVICES
5) Certificate of Participation, International Volunteering Level 2
6) Certificate of Course Completion Customer Service Orientation, Diamond Bank 2009
7) Certificate of Proficiency, Computer Applications, Prime Time Communication, Awka, 1999
8) International Institute for Policy Review & Development Strategies, International Research and Development Institute Research and Development Network

Work experience include are:
1. Senior Lecturer, University of Jos, Plateau State
2. Lecturer I, University of Jos, Plateau State
3. Lecturer II, University of Jos, Plateau State
4. Assistant Lecturer, University of Jos, Jos Plateau State
5. Relationship Manager, Diamond Bank Plc
6. Business Manager, Diamond Bank Plc
7. Banking Officer, Diamond Bank Plc
8. Banking Executive, Diamond Bank Plc
9. Executive Trainee, Diamond Bank Plc
10. Banking Executive, Lion Bank Plc Head Office
11. Field Auditor, Seema Consults Chartered Accountants
12. Chief Accountant, Kucena Damian Nig
13. Senior Auditor

Academic/Administrative responsibilities are:
1. Lecturing and Facilitating MSc Banking and Finance
2. 100 Level Banking and Finance Level Coordinator
3. Departmental Examination and Lectures Time Table Officer
4. Faculty of Management Representative to the Faculty of Arts, University of Jos
5. Faculty representative to Faculty of Agricultural Science
6. Conducting of Research works and Studies
7. Supervising of undergraduate students’ theses
8. Supervising of postgraduate students’ theses
9. Mentoring of Students for Moral Up bringing
10. 300 Level Banking and Finance Level Coordinator
11. 200 Level Banking and Finance Level Coordinator

Research Activities are:
He is involved in various research academic activities with publications in peer reviewed journals, papers presented at seminar, workshops and international conferences with peered reviewed abstracts. As at date, he has 40 scholarly journal publications to his credit.

1.) Otubor, C. O., Madaki, D., Sa’idu., A., and Ibraheem, R. I. (2025) Bank support systems and
University of Jos general development, NDA Journal of Management Sciences Research, 5(2)270-278
2.) Sa’idu, A., Otubor, C. O., Madaki, D., Maimako, S. S., and Ibraheem, R. I. (2025)
Contextual Effect of Recent Nigeria Inflation on Small Business Performance In Bauchi State, Nigeria, NDA Journal of Management Sciences Research 5(2) 279-285
3) Otubor, C. O., Sa’idu, A, Abdulrashid, Y., and Musa, I. A. (2025) Effects of Federal
Government financial policies on small business development in Nigeria, International Journal of Financial Resources and Business Development, 7(7) 159-170
4.) Madaki, D., Theresa, A.U., Mohammed, A. L. and Otubor, C.O. (2025) Assessment of the
spread andallocation of taxes to local government areas as collected and generated by them, International Journal of Financial Resources and Business Development, 9(7), 201-209
5.) Otubor, C. O.,Madaki, D., Joshua C. D., Donald T., and Sai’du, A. (2024) Assessment of
bank loan on Nigeria small business export development in Plateau State, Journal of
Business Development and Management Research, 5(7), 1-10
6.) Otubor, C. O.,Madaki, D.,Sai’du, A.,Joshua C. D., and Mutfwang, J. M. (2024) Effect of
imposition of tax on micro business in Jos North of Plateau State, International Journal of Financial Research and Management Science, 5(7), 11-22
7.) Otubor, C. O.,Sai’du, A.,Ibraheem, R. I., Imahiyereobo O., Peter, O. O.,Dariye, J.C.,
Dinnah, N. W., Galadima, J. A., Philemon, B. Z.,Mabas, D. M., and Mutfwang, J. M.
(2024) Contextual and contemporary effect of the recent removal of fuel subsidy on small business: Accounting, bank loan and performance in Nigeria, Journal of Business Development and Management Research, 4(7),51-60
8.) Otubor, C. O.,Sai’du, A.,Dariye, J.C., Akenroye, C. T., Peter, O. O., Dewan, G.,
Chukwuemeka, A., George, E. D., Lukman, B. A. Olayinka, I. A., Mabas, D. M., and Onyedim, R. (2024) Bank loan and entrepreneur business export expansion in Plateau State, Journal of African Resilience and Advanced Research, 3(2)90-105
9.) Madaki, D. Onojah, S. J., and Otubor, C. O. (2024) Identification of any issue of corporate
governance and how it can assist towards the mission of any organization, Journal of Human Resources and Management Sciences, 6(7) 39-47
10.) Sa’idu, A., Ekoja, B. E., Otubor, C. O. and Dinnah, N. W.(2024) Contextual assessment of
Bauchi State civil servants attitude of financial control towards the state economic development, Journal of Management Science & Entrepreneurship, 5(7)15-24
11.) Madaki, D. Onojah, S. J., and Otubor, C. O. (2024) Identification of any RegTech issue in
any organization and a solution for it (2024) Journal of African Resilience and Advancement Research, 6(2) 90-100
12.) Sa’idu, A., Okwoli, A.A, and Otubor, C. O. (2024) Effect of Tax on Small Business in
Bauchi Metropolis, Journal of Business Development and Management Resources, 6(7) 67-81
13.) Sai’du, A., Jugu, Y.and Otubor, C. O. (2023)Improving the financial reporting quality of
local government in Plateau State through expert implementation of public and accounting policies: A focus on IPSAS. International Journal of Management Science and Business Analysis, 2(2), 1-17
14.) Otubor, C. O., Sai’du, A., Ibraheem, R. I., Philemon, B. Z., Imahiyereobo O., and Okike, B.
M.(2023).Nigeria currency redesign and its anticipated effects on the Nation’s small businessdevelopment. International Journal of Advanced Studies in Economics & Public Sector Management, 11(1) 1-13.
15.) Otubor, C. O., Dariye, J, C., Imahiyereobo, O., Philemon, B. Z., and Okike, B. M.
(2023). Civil servants attitude of financial control for economic development in Nigeria: The twenty-first century. African Scholars Journal of Business Development and Management Research, 28(7), 1 – 10
16) Akenroye, C. T., Adegbei, F. F., Owolabi, S. A., Ajibade, T. A., Adelegan, M. O., Otubor,
C. O. (2023). Corporate strategic drivers and solvency of listed firms in Nigeria.Caleb International Journal of Development Studies, 6(1) 7-33
17). Otubor, C. O., Rislam, I. I., Setle, W., Yuguda, A. U. and Dapim, K. M. (2022). Effects of value
added tax on current consumer spending in Nigeria. International Journal of Financial Research and Management Science, 9(7) 1-10
18) Otubor, C. O., Idris, I. R., Oloruntoba, A. D. and Wuyep, A. (2022). Assessment of recent Nigerian
banking policies and activities for economic growth.International Journal of Financial Research and Management Science, 8(7), 21-35
19.) Otubor, C. O., Dariye, J. C., Rislam, I. I. and Adeoye V. O (2021). Bank loan and small
business profitability in Plateau State. Journal of Management Science and Entrepreneurship, 20(7)22-37
20.) Otubor, C. O., Okwoli, A. and Jugu, Y.(2021).Bank Loan and Small Business Finance
Management in Plateau State.International Journal of Advanced Research in Statistics, Management and Finance, 8(1)1-12
21.) Otubor, C. O., Okwoli, A.andJugu, Y. (2020). Bank loan and small business expansion in
Plateau State.International Journal of Management Science & Entrepreneurship, 11(7) 41-57
22.) Otubor, C. O., Okwoli, A. and Jugu, Y. (2019). Bank loan and small business turnover in
Plateau State.International Journal of Management & Entrepreneurship, 2(1)104-115
23.) Otubor, C. O., Okwoli, A. and Jugu, Y. (2019). Bank loan and small business performance
in Plateau State.International Journal of Management Science & Entrepreneurship, 9(7)139-154
24.) Ande, J., Adewole, C., Mangs, J. N., Ayeni, A,Otubor, C. O., Kairo, I. (2019). Customers
perception of terms and conditions and corporate governance in Nigerian Banks. International Journal of Management Science Research, 5(1)245-257
25.) Otubor, C. O., Dariye, J. C., Salawu, P. O., Cyril, T., Idris, I. R. andGbande, R. (2018)
Perspective of annual state financial budget against annual state development project in Nigeria.Africa Education Evaluation,2(1) 23-35.
26.) Otubor, C. O.,Dariye, J. C.,Salawu, P. O., Idris, I. R., Cyril, T. and Gbande, R (2018)
Assessment of professional ethics adherence for sustainable economic development in Nigeria.International Journal of Social & Management Sciences, 1(1)1-13
27.) Otubor, C. O.,Dariye, J.C., Aondo, D. C. Yuguda, A. U., Mang, N. J. (2017). The
exposure of cash flow statement and management in this twenty-first century business challenges.International Journal of Advance Studies in Economics and Public Sector Management (IJASEPSM): 5(1)172 – 190
28.)Otubor, C. O., Zakariya, B. P., Gbande, R., Abubakar, S. (2017). Impact assessment of
bank loan on entrepreneurial small business diversification. International Advanced Journal of Teaching and Learning, 3(1) 1-13
29.) Otubor, C. O., Richard, G., Onumah, P., Yuguda, A. U. &Abubakar, S. (2017).
Assessing the qualitative characteristics of useful financial information for business
development. Journal of Educational Policy and Entrepreneurial Research, 4(1) 72-85
30.)Otubor, C. O., Dariye, J. C., Gbande, R., &Onumah, P. (2017).Assessing the effect of
tax imposition on retail business development in Jos metropolis. Tax Academy Research Journal (TAR) 1(1)151-164
31.) Otubor, C. O.,Dariye, J. C., Gbande, R. &Onumah, P. (2017). Assessing the extent of
financial education to distributive trade business for sustainable development in Jos metropolis. Journal of Educational Policy and Entrepreneurial Research 4(3) 56-69
32.) Otubor, C. O., & Salawu, P. O. (2017). Assessment of financial accountability and
economic growth in Nigeria. HIGHER EDUCATOR - International Journal, 1(1)1-12
33.)Otubor, C. O. Dariye, J. C., &Yuguda, A.U.(2016). Assessing the correlation benefits of
acquiring both academic and practical skillful education for entrepreneurial development and sustainability. Journal of Educational Policy and Entrepreneurial Research (JEPER), 3(7)58-65
34.) Otubor, C. O., Dariye, J. C. &Yuguda, A.U. (2016). The exposure of cash flow statement
and management in this dispensation of business challenges, Asian Journal of Management, Engineering & Computer Sciences (AJMECS).1(3), 14-20
35.) Otubor, C. O., Dariye, J. C. &Yuguda, A.U. (2016). Deposit money banks activity of
availing credit facilities to customers as a form of liability creation. International Journal of Innovative Research in Social Sciences and Strategic Management Techniques, 3(2) 45-55
36.) Adewole, C. Otubor, C. O., Mang, N., Ayeni, A., Kairo, I. & and Okeke, A. (2016).
Investigating the real triggers of loan default in Nigeria.International Journal of Management Science Research,2(1)291-312.
37.) Otubor, C. O.,Dariye, J. C.,Gbande, R., Onumah, P., Adukwu, E.,Yuguda,A. U. (2016)
Synopsis of investment banking activities for economic growth of Nigeria. NSUK Journal of Banking and Finance Research, 3 (2)222 – 241
38.) Adewole, C., Mang, J. N., Ayeni, A., Otubor, C. O. & Kairo, I. (2015).A Methodology
for assessing the quality of corporate governance in Nigerian banks. International Journal of Development Strategies in Humanities, Management & Social Sciences, 5(2) 92-123.
39.) Otubor, C. O. (2015). Nigerian deposit banks problem facilities – Threat to and
management for banks continuous stay in business. Journal of Business Administration and Management, 10 (3)139-149
40.) Otubor, C. O. (2015).A revisit of deposit money banks basic cannons of lending:
The Nigerian perspective of increasing default facilities customers,Journal of Business Administration and Management,10(2); 129-137.

Community and other services
1) Managing Editor, Journal of Banking and Finance Research, Department of Banking and Finance, Faculty of Management Sciences, University of Jos, Jos, Plateau State,
2) Public Relation Officer, , University of Jos Academic Staff Multipurpose Cooperative Society (UJASMCS)
3) Member, Agricultural Committee of University of Jos Academic Staff Multipurpose Cooperative Society (UJASMCS)
4) Protocol and Security Committee Secretary\Member, Faculty of Management Sciences 2nd International Conference 2024
5) Faculty of Management Representative to the Faculty of Arts, University of Jos
6) Public Relations Officer, University of Jos Academic Staff Multipurpose Cooperative Society (UJASMCS)
7) Member, ICT and Education Committee, University of Jos Academic Staff Multipurpose Cooperative Society (UJASMCS)
8) Faculty of Management Representative to the Faculty of Agriculture, University of Jos
9) Faculty of Management Representative to the Faculty of Arts, University of Jos
10) Faculty of Management Faculty Welfare Committee Secretary
11) Chairman, Welfare Committee, Department of Banking and Finance
12) Independent National Electoral Commission (INEC) Gubernatorial Election Riyom,Ganawuari Ward, Plateau State, Ad Hoc Collation Officer March 09, 2019
13) Independent National Electoral Commission (INEC) Presidential Election Lankan Ward, Plateau State, Ad Hoc Collation Officer February 23, 2019
14) Kwang-Heir Community Association, Kwang. Rayfield. Assistant Secretary 2017-date
15) Vice Chairman, Omega High School, Jos, Plateau State
16) NYSC Special Service Letter of Commendation 1999

He is married to Dr Grace Ovayoza Chris-Otubor. A lecturer in the Faculty of Pharmaceutical Sciences, University of Jos, and a Pharmacist Consultant, married with four God believing children.