ABSTRACT This research paper studies the impact of banking regulations on the performance of universal banks in Ghana. The study uses OLS regression for panel data to analyze the impact of the banking regulations on profitability and efficiency metrics of six universal banks listed on the Ghana Stock Exchange. The research uses data collected from 2005 to 2017. The first aim of the study is to identify previous regulatory changes and their impact on the performance of the universal banks. The...
ABSTRACT The development of a private equity secondary market was researched with emphasis on the necessary conditions for the bedrock on which a strong private equity secondary market would prosper. The research looked at the presence of an operational and legal framework, availability of market participants and the possibility of developing a private equity secondary market. The significance of this research is to come up with a platform on which private equity funds could buy and sell priv...
EXECUTIVE SUMMARY Ghana Tourism Authority is the public service agency responsible for promoting regulating tourism in Ghana as well as licensing and classification of tourism facilities and services, research and development. The Authority replaced the Ghana Tourist Board in 2011. The goal of the Authority is making tourism in Ghana the leading sector of the economy. The Authority envisions Ghana as the tourism capital of West Africa. The Authority aims at promoting Ghana on a global platfor...
ABSTRACT Developing countries generally have a major problem in making potable and clean water accessible to their people in both the urban and rural communities. There is the need for individuals, groups, institutions and the government to find ways to curb this situation which is affecting rural and urban communities in Ghana. Micro financing is the “provision of small size loan and other financial services to low income household.” (Montgomery & Weiss, 2006,). It is important to note t...
ABSTRACT The development of the country is severely hampered by a lack of research into our problems and effective ways of solving them. This underdevelopment of the nation’s research capabilities is attributable to a lack of data that is necessary for information to be produced by the research. Using Ghana’s e-government policies and the National Information Technology Agency as a case study, this paper discusses how the data availability level is promoted or undermined as Ghana’s inex...
ABSTRACT The insurance industry in Ghana represents one of the vibrant areas of the fast growing service sector. The objective for the study was to find out the perceptions customers had regarding the level of service quality provided during the service encounter and how it translated into forming the right image for the company. The study showed that majority of customers who had received service at CDH Insurance was of the opinion that, the service was of high standards. It was also showed ...
ABSTRACT The development of a derivative securities market in Ghana was studied with the focus on the requisite conditions which form a foundation upon which a successful derivatives market would thrive. The study addressed the availability of participants, the presence or absence of a legal regulatory framework and the possibility of developing a derivatives market. The importance of this study is to provide a platform for which business could unbundle and redistribute risk through hedging, ...
ABSTRACT Travelling to a new environment comes with experiencing new cultures which can lead to cultural shock. Food is one of the factors that causes cultural shock because it differs from one country to another. However, in this interconnected world, experiencing cultural shock because of food can be reduced because countries are now establishing restaurants all over the world where they serve their home meals. The establishment of ethnic restaurants in many parts of the world has made it p...
ABSTRACT This study examined the Old and the New Three-Tier pension schemes in Ghana with respect to their respective benefits and extent of coverage specifically in the informal sector. It has become an accepted norm for individuals to have some sort of economic security and assistance after retirement. About 80% percent of the Ghanaian workforce belong to the informal sector hence, the relevance of this study on this particular sect. Even though the study found the New Three-Tier system to ...
ABSTRACT The Beta of a stock is an index which measures its volatility relative to the market rate of return (Systematic risk). The beta of a stock is a critical component in not just valuing a stock but a company as well. Beta gives investors a fair idea of the risk associated with a particular security relative to the market, as such, enables them make informed decisions. Arguably, the absence of valid beta data of companies listed on the Ghana Stock Exchange (GSE) has partially contributed...
Abstract The Ghana Stock Exchange (GSE) is described as infant and immature but has seen improvements over the last decade. Nevertheless trust remains a big challenge to the GSE. Lack of trust if not checked might affect the GSE adversely. It could lead to a reduction in the numbers of listed firms, few stock trading, and hamper effective participation of individual investors. This research therefore seeks to find out how the kind of people who invest and the level of trust they have for the ...
ABSTRACT This paper investigates the existence of a relationship between the age stage demographic of individuals and their preferences in residential dwelling type. From general observation, it was noticed that, most real estate developers segment their market based on the income level demographic. However, this demographic factor does not cater for individuals who do not receive regular income such as retirees and other unemployed individuals. This study therefore examined the Ghanaian soci...
ABSTRACT This study investigates the reasons behind some Ghanaian women‘s switch from chemically altered or relaxed hair to wearing their hair ―natural‖. The black hair care industry in the USA is worth an estimated 3billion dollars yearly and is dominated by products such as hair relaxers and hair extensions. A majority of women in Ghana chemically relax their hair for various reasons. However, a growing number of Ghanaian women are beginning to switch from chemically treated hair to n...
ABSTRACT The trade liberalization policy was introduced in 1986 as part of Ghana‟s economic recovery program. Trade liberalization is a policy that seeks to remove all trade practices that impede the free flow of goods and services from one country to another. Practices that deter trade include tariffs, duties and other non-tariff barriers. This thesis discusses the impact that the policy of trade liberalization has had on the marketing of locally manufactures goods in Ghana using PZ Cusson...
ABSTRACT Alcoholism or abuse of alcohol is not new in Ghana. But alcoholism among women is something most people would be shocked to learn about. However, it should not be a surprise to anyone who comes from Sandema. Sandema is the capital of the Builsa District located in the Upper East Region of Ghana. It is an economically and socially deprived community with high levels of unemployment and illiteracy rate. The situation is even worse when you factor in gender. Women have it bad in many im...