ABSTRACT With the emergence of the current financial crisis, important advances have been made in credit risk management. Inherent in this management process is the assessment of creditworthiness routine which subsequently leads to a credit granting decision. This study is aimed at developing a statistical model that can be used to ascertain credit assessment and to predict the probability of default of firms seeking credit from a Ghanaian commercial bank. Subsequently, an attempt was made to...
ABSTRACT “Internet banking” is a product offered by commercial banks to enable clients carry out banking transaction at their convenience and at any time. It enables banks to reduce operational cost by reducing the cost of stationary and also number of staff. However, clients of commercial banks in Ghana still prefer conducting transaction at the branches of the banks rather than signing on to internet banking. This is evident in the queues by clients in commercial banks in order to carry...
ABSTRACT This thesis present the fundamental concept of the non-parametric method which is the Kaplan-Meier and Log-rank test and the Parametric Proportional Hazard models which are Exponential, Weibull and the Gompertz proportional model. The paper applied survival methods to breast cancer patients data from the Korle Bu teaching and Effia Nkwanta Hospital. The main objective is to become familiar with the risk factors associated to early death of breast cancer patients. The proportionality...
ABSTRACT The objective of this research was to identify the risk factors that influence loan default of customers in the microfinance sector and to develop model that links these factors to credit default for any customer in the sector. Data from a microfinance institution based in Accra was used. A binomial logistic regression analysis was fitted to a data of 472 customers who were granted credit from January 2011 to December 2012. Based on the Wald criterion, it was realized that among the...
ABSTRACT Survival analysis has proven to be a major breakthrough in the analysis of time to event. The methodologies surrounding the concept of Survival Analysis seems laudable to most researchers especially in the medical, engineering, agricultural and actuarial field. Kaplan-Meier method which is applicable for estimating the survival function, log-rank test used for comparing the equality of two or more survival distributions, and the Cox proportional hazard model for inspecting the covari...
ABSTRACT The study objectives are to determine the key factors that may be accounting for birthweight of infants, estimate its distribution, prevalence and proposes a statistical model that can be useful in epidemiological studies in Ghana. Both estimation (Linear) and classification (Logistic) analysis was conducted using data from GDHS. Covariates found to statistically associated with newborn’s weight are gender, size of child at birth, region, wealth index, birth order, total number ch...
ABSTRACT Energy from hydro-electricity is the cheapest form of power generation in this country. The Volta River Authority can however generate power optimally if water levels within the dam is between 240ft and 280ft. This is not always the case, since the only source of water for the dam is rainfall, which is also random and dependent on weather conditions. Knowledge of the water level within any month of the year will therefore be very useful in the production, distribution and management ...
ABSTRACT Over the years, measuring inequality based on the distribution of income has been a major concern to economist. Inequality has had a broader concept than poverty in that it is defined over the entire population not just for the portion of the population below a certain poverty line. The Gini coefficient satisfy many desirable properties of a good measure of inequality such as mean independence, population size independence, symmetry, and Pigou-Dalton Transfer sensitivity. The empiric...
ABSTRACT Patient‟s duration of stay at the hospital is one useful indicator many employ to assess the performance and efficiency of healthcare provided by hospitals and healthcare units. Also, patients‟ LOS and inpatient mortality are two interconnected health issues with complex outcomes, and studying the relationship between the two is not an easy task. This study therefore employed non-parametric and semi-parametric statistics in modeling patients‟ survival time to death using secon...
ABSTRACT The Akosombo dam is Ghana‟s main source of energy. Considering the current increase in the demand for electricity in the country, where an increase in demand implies more pressure on the dam, it is therefore very important to investigate the tail behaviour of the water levels of the dam. This is necessary because the level of water in the dam determines the amount of electricity generated. The study investigated this problem using Univariate Extreme Value Theory. Both the Generaliz...
This research is about time series analysis and number of babies at birth in Abuja, between 2000-2017 using a monthly data. The box-Jenkin auto regressive integrated moving average (ARIMA) model was estimated and the best fitted model is ARIMA 1,1,1 with Bayesian information criteria (BIC) of 7.580, R2 of 0.402 and with P-values of the perimeters of the model less than 0. 05. The model was further validated with L-Jung Box text with residual been white noise. The mode was use to obtain ...
ABSTRACTLongitudinal data are common in various sectors where repeated measurements on a dependent variable are collected for all subjects. Missing data pattern are caused when most planned measurements are unavailable for some subjects. The dropout process may cause three missing values mechanism, namely: Missing Completely at Random (MCAR), Missing at Random (MAR), and Missing Not at Random (MNAR). The missing values have influence on quantitative study that can be serious, leading to bias...
ABSTRACT This thesis is an educational piece which deals with methods and decision-making ways of detecting for life expectancy in the sub-Saharan region of Ghana precisely the Accra Metropolitan area. The data was picked from the archives of the district health directorate of Accra Metropolitan area. A secondary data was used the variables of interest includes age, number of deaths and population and this was done by searching for the age data of the given period and matching it to the numb...
ABSTRACT The aim of this study was to investigate cereal crop yields in Ghana. Specifically, this research determines whether there is a significant difference in the yields across the ten regions in Ghana and also finds out the evolution of crop yields among the regions. Data on two major cereal crops (Maize and Rice) produced and consumed in Ghana was attained from Ministry of food and Agriculture (MOFA). Multivariate Analysis of Variance (MANOVA) and Linear Mixed model (LMM) were employed...
ABSTRACT This thesis considers logistic regression and discriminant analysis. Because the ordinary least regression requires that a dependent variable in a study cannot be categorical, the logistic regression and the discriminant analysis techniques are two major techniques that are often used to handle categorical dependent variable problems. This study, therefore, seeks to getting answer to the question of whether using the logistic regression and the discriminant analysis techniques, on th...