JOB DEMANDS, SUPERVISION STYLES, AND FINANCIAL MISCONDUCT: EVIDENCE FROM THE NIGERIAN BANKING INDUSTRY

Abstract

This study examined the influence of job demands and supervision styles onfinancial misconduct among bank workers in Nigeria, and also investigated whether genderdifferences exist in financial misconduct. A cross-sectional survey design was adopted, and datawere collected from 144 bank employees. Multiple regression analysis and an independent samplest-test were employed to test the study hypotheses. The results revealed that job demands comprisingbureaucratic procedures, performance monitoring, reporting requirements, and compliancepressures significantly and jointly predicted financial misconduct, accounting for 86.3% of thevariance (R = .929, R² = .863, F(4,126) = 198.349, p < .001). Similarly, supervision styles, verbalaggression, work interference, and supervisor exploitation significantly predicted financialmisconduct, explaining 31.7% of the variance (R = .563, R² = .317, F(3,133) = 20.616, p < .001).However, the independent samples t-test indicated no significant gender difference in financialmisconduct between male (M = 101.87, SD = 25.04) and female (M = 103.42, SD = 22.00) bankworkers, (t(139) = –0.393, p > .05). The study concludes that organizational factors particularly jobdemands and supervisory practices are stronger predictors of financial misconduct thandemographic characteristics such as gender. The findings highlight the critical role of workplacestructure and managerial behavior in shaping ethical conduct within banking institutions. It istherefore recommended that banks strengthen internal governance systems, reduce excessivebureaucratic and compliance pressures, and promote supportive and ethical supervision practicesto minimize the likelihood of financial misconduct among employees.