Research Papers/Topics in Development Finance

Are solar home systems a more financially viable method of electrifying Ghana households?

AbstractAfrica still has the lowest electrification rates in the world with over 600 million peopleestimated to be living without access to electricity. What makes the challenge even greater forAfrica is that the continent is so sparsely populated that building grid infrastructure is not viablein many cases. However, “pay-as-you-go” solar home systems have provided the continent withthe opportunity to correct its electrification deficit. These innovations are not new and many ofthe ...

The impact of stock market performance on economic growth in Malawi

ABSTRACTThis study investigated the causal relationship between the performance of the Malawi StockExchange (MSE) and economic growth in Malawi using quarterly data for the period 2003 to2017. Stock market performance was measured using four indicators: the all share price index,total stock market capitalisation, stock market liquidity, and the number of shares traded.Economic growth was measured by real Gross Domestic Product (GDP). The AutoregressiveDistributed Lag (ARDL) model was us...

The Adoption Of Mobile Money Services In Ghana: The Case Of University Of Ghana Community

Abstract Mobile money is an important phenomenon for the cause of financial inclusion in developing countries. The value and volume of both mobile money transactions and payment systems transactions have tredemously increased in Ghana. This study sought to investigate the adoption of mobile money by Ghanaians, using members of the University of Ghana Legon campus as case study. The study adopted questionnaires as the sole instrument for data collection. The findings reveal that dominant...

Impact Of Interest Margin On Non-Performing Loans: (Case Of Rural Banks)

ABSTRACT The financial sector of Ghana witnessed what many described as “financial crisis” in the early part of 2017. Many financial institutions became insolvent stemming from high levels of non-performing loans in the financial sector. Ghana as a country is currently experiencing one of the worst financial crises the country has ever experienced since it became a Republic. So far, over seven (7) commercial, retail and investment banks in the country have been declared insolvent by...

The Gaming Industry In Ghana: Casino Employment And Its Direct Benefit To Residents Of Host Communities (A Study Of Casino Employment In Osu)

ABSTRACT The primary focus of this academic study is to determine the proportion of casino employees within the Osu that actually come from the community relative to those from outside the community. The researcher’s intension is to discover whether casinos in the community have most employees coming from the same community. A secondary motive is to find the trend in casino employments of the Osu community over a specified period of time. The scope of the study is limited to casinos i...

Determinants Of Construction Performance Among Small Scale Construction Firms In Ghana

ABSTRACT The extant literature has under-explored the factors that determine construction performance among small scale building contractors in Ghana. Using the data set of 50 questionnaire received from respondents in the sector, this study examines the determinants that affect construction performance. The descriptive statistics as well as the analysis of variance (ANOVA) approach was used to make inferences from the data collected. The results indicate that the factors of performance...

The Impact Of Mobile Money Services On The Performance Of Retail Banking In Ghana

ABSTRACT The purpose of this project was to determine the impact of Mobile Money services on Retail banking in Ghana with emphasis on three selected banks, Ecobank Ghana limited, GCB Bank Limited and Fidelity Bank Ghana Limited. These banks were selected based on their share of industry deposit contribution. A close ended questionnaire was designed and used to collect data from one hundred and thirty-three (133) respondents using convenience sampling. The respondents were customers and p...

Institutional Framework for Promoting and Supporting Small, Micro and Medium Enterprise in South Africa: Supply Perspective

ABSTRACT All around the world, many studies demonstrate the importance of Small, Micro and Medium Enterprises (SMMEs) in lifting-up the economy and creating employment. Many governments around the world have created institutions with the aim to enhance SMME survival and growth. This in turn contributes to social and political stability in a country. Despite the importance of SMMEs to the economy and employment creation, in South Africa studies (Hallberg, 2000; World Bank, 2000; Wor...

The Effects Of Intergovernmental Transfers On The Incentive For Local Governments To Generate Own Revenue In Ghana

ABSTRACTThis study empirically examines the effect of Central Government transfers to LocalAssemblies on their ability to internally generate revenue in Ghana. The study used data fromthe Ministry of Local Government and Rural Development for 216 districts in Ghana from2013 to 2017. Employing panel data and using random effects and fixed effects estimationtechniques in estimating the models and correcting for serial correlation and heteroskedasticity,the study found no significant relationshi...

Analysis Of Risk Management Practices Of Small And Medium Enterprises (Smes) In The Construction Sector Of Ghana

ABSTRACT The importance of assessing the risk management practices by the small and medium scale enterprises (SMEs) in the recent times has been underscored by research. In this study, an analysis of risk management practices of the SMEs in the construction sector of Ghana is assess to determine the level of awareness, the extent of its application and the potential impact on the construction business. This study is a follow up to previous studies risk management practices in the constr...

The Effect Of External Debt On Economic Growth In Ghana: An Ardl Approach

ABSTRACT This study investigated the long and short-run impact of external debt on economic growth in the context of Ghana using the sample period spanning from 1980 to 2016. The study also examined the Ghana’s external debt trend analysis over the sample period considered for this study. Theoretical and empirical evidences indicates that external debt can either exert negative or positive impacts on economic growth depending on how the external funds acquired is injected into the eco...

Digital Financial Services-A Financial Inclusion Enabler: A Case Study Of Zenith Bank Ghana Limited

ABSTRACT There is an increased growth of the use digital financial services in the world. Many banks, financial institutions, savings and loans companies are establishing and implementing the use of these services to bridge financial inclusion. A study was conducted at Zenith Bank Ghana Limited to see the benefit of digital financial services among their clients and its contribution to financial inclusion. This study was done to determine the relationship between financial inclusion and...

The Impact Of The Ghana Integrated Financial Management Information System (Gifmis) On Accountability And Transparency; A Case Study Of Ministry Of Lands And Natural Resources.

ABSTRACTStudies have established that effective and efficient public financial management is one of the most effectiveways ensuring accountability and hence promote good governance. Failure to attain financial accountabilityserves as a breeding ground for weak public accounting, poor expenditure control, cash mismanagement and themismanagement of financial records. In order to achieve financial accountability, there is the need for a systemthat ensures effective financial management. The gove...

Assessing The Effectiveness of Deregulation on Non-Performing Loans in Some Selected Banks in Ghana

ABSTRACT The financial sector plays an important role in every country in terms of resource mobilization and allocation. It is deemed by many scholars as the pivot around which economies evolve. Banks are globally regarded as the major player in financial sector. The expansion in the activities of banks that include, but not limited to, securities markets, fund management, insurance, to a large extent, can be attributed to deregulation in the financial sector. The study sought to exa...

The Impact of Debt Financing on The Performance of State-Owned Enterprises in Ghana

ABSTRACT The purpose of this paper is to demonstrate and recognize the link between debt financing and performance and choosing appropriate measures to evaluate and analyze the financial status of State-Owned Enterprises. The major aim is to determine the level of debt financing among StateOwned Enterprises in Ghana. The study investigated the relationship between debt financing and performance of 22 State-Owned Enterprises (SOEs) over a four-year period (2014 – 2017) using regression ...


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