E-Commerce Adoption and Revenue Performance of SMEs in Kogi State

This research investigates the relationship between e-commerce adoption and revenue performance among small and medium enterprises (SMEs) in Kogi State, a landlocked state in Nigeria's North Central geopolitical zone. E-commerce presents transformative opportunities for SMEs in Nigeria by broadening market reach beyond local boundaries and reducing transaction costs. This study adopts a descriptive survey design with primary data collected from 108 SME owners through structured questionnaires. Analysis was carried out using descriptive statistics and regression. The study evaluates e-commerce adoption indicators including website ownership, social media selling activity, mobile payment integration, and use of online marketplaces such as Jumia and Konga, relating each to reported monthly revenue changes. Findings show that social media selling and mobile payment integration are the most widely adopted and revenue-positive e-commerce activities among Kogi State SMEs. Website ownership remains low due to perceived cost and technical complexity barriers. Online marketplace use was limited but associated with the highest per-transaction revenue increases among adopters. The study also identifies low internet penetration in rural parts of the state, poor digital infrastructure, and limited digital marketing literacy as systemic barriers to broader e-commerce adoption. Recommendations include government-supported e-commerce literacy campaigns, SME incubation programmes with digital integration components, and improved broadband infrastructure. Keywords: e-commerce adoption, revenue performance, SMEs, Kogi State, digital business.