Doctor of Philosophy (PhD) in Business Policy with specialization in Financial Policy (2001-2006), Rivers State University of Science and Technology, Port Harcourt. NIGERIA.
Master of Business Administration (MBA) in Banking and Finance (1989-1992), Rivers State University of Science and Technology.
Bachelor of Science (Bsc) in Banking and Finance 1st Class Honours (1984-1988), Rivers State University of Science and Technology.
WAEC/GCE (1982), Government Secondary School, Opobo Town. FSLC (1977), St. Thomas State School, Diobu, Port Harcourt.
Publications
Toby, A.J. (1992). Cash Flow Management Models: A Survey and Critique, Nigerian Journal of Economic and Social Studies, 34(3), 141-156
Toby, A.J. (2002). Root Causes of Nigeria’s Economic Crisis, Indian Journal of African Studies, 13(1&2), 55-76.
Toby, A.J. (2004). An Empirical Test of the Capital Structure Irrelevance Hypothesis: Evidence from Selected Levered Firms, Journal of Business Studies, 2(2), 26-47.
Toby, A.J. (2006). Empirical Study of the Liquidity Management Practices of Nigerian Banks, Journal of financial Management and Analysis, 19(1), 57-70.
Toby, A. J. , Akani, H. W. & Leo, M. A. (2020) “Stock Market and Risk-Taking Behaviour of Commercial Banks in Nigeria”, Journal of Banking and Finance, 4(2), 45-60.
