ACKNOWLEDGEMENTS I hardly know where to start saying thanks to all those who helped me with this thesis. First of all, my profound and heartfelt gratitude goes to my supervisors, Prof. P.E. Bondzi-Simpson and Mr. Edward Marfo-Yiadom. Their valuable contribution, innovation, talent and creative flair are very evident and much appreciated and so is Honourable Sam Quarm for his financial assistance. The greatest thanks of all go to my mom and dad who made it all worthwhile, 'who have supported m...
ABSTRACT The purpose of the study was to investigate the influence of financial management practices on organisational performance of NGOs who are into biodiversity, and are in Accra in the Greater-Accra Region of Ghana. The target population was all permanent staff of NGOs in Accra who are into biodiversity. However, the accessible population was all spending officers including management staff, project coordinators, field officers and finance/account/audit staff of the organisations. The to...
ABSTRACT The aim of this research was to examine the impact of Fiagya Rural Bank on SMEs profitability and growth. Through the stratified sampling method, a sample size of 156 respondents was selected to examine the impact of Fiagya Rural Bank on SMEs profitability and growth. The research design used in the study was descriptive research type. Data was collected through the administration of questionnaire. It was found out that overdraft and loans were the types of credit facilities availabl...
ABSTRACT The study aimed to identify the dominant organisational cultural type/types, and figure out how these dominating organisational cultural types helped Okaishie Office of the Ghana Revenue Authority (ODTRD), to relate to customers and employees of the organisation. A structured questionnaire and interview guide were the data collection instruments employed to gather relevant information from management and staff of the Office. A sample size of eightytwo from a population of eighty-nine...
ABSTRACT The National Health Insurance Scheme is bedevilled with lots of problems. One of such problems is payment of persistent and ever-increasing healthcare claims. This phenomenon, if not properly controlled, may have the futuristic propensity to hamper the smooth running of Takoradi Mutual Health Insurance scheme (TMHIS) in particular and health insurance schemes in the country in general. The main aim of this study was to assess stakeholders’ perception on healthcare claims fraud cont...
ABSTRACT This study examined the influence of non-economic factors such as socioeconomic factors and psychological components which have the tendency of influencing tax compliance. The study was based on the Fisher tax compliance model. A partial modification of the model was done by incorporating an important tax compliance determinant – “Tax Knowledge”. The effect of perceived tax fairness, tax knowledge, and tax complexity in tax compliance decisions among a sample of 350 self-employ...
ABSTRACT The study seeks to evaluate the effectiveness of the disbursement and utilization of the District Assembly Common Fund (DACF) in the Gomoa East District Assembly. A sample size of 273 was used for the study. The study employed both primary and secondary data. The study revealed the following as its major findings: That the administrator of the DACF is primarily responsible for the effective monitoring of the disbursement and utilization of the DACF through its demand of DACF budgets ...
ABSTRACT Exchange rate volatility has a direct impact on import and export trade. The adoption of a flexible exchange rate regime after the demise of the Bretton Woods system of exchange has become a major source of risk to trade and therefore, negatively affects imports which are critical to the development and growth of third world countries. This study therefore, examined the impact of exchange rate risks on the profitability of auto parts dealers (importers) in Ghana who have carried on t...
ABSTRACT Profitability has always been considered as a primary indicator of dividend payout ratio. There are numerous factors other than profitability that affect dividend decisions of an organization, namely, earning per share, current ratio, debt to equity ratio and price to book ratio. Available literature suggests that dividend payout ratio is positively related to profits, cash flows and it has inverse relationship with debt to equity, retention ratio and price to book ratio. This disser...
ABSTRACTThe importance of the rural banking in the economic development of a country cannot be overlooked. Hence, banks and other financial institutions are considered to be a vital role for the development of the rural economy in Ghana. The Government of Ghana through the Bank of Ghana introduced and established Rural Banks in 1976 as one of the strategies to facilitate the development of rural communities. Aside inculcating the habit of banki...
ABSTRACT The study aimed generally to determine the scope of financial literacy and personal financing by people in the Cape Coast Metropolis. Under subscription of questionnaires led to 436 respondents from the cluster sampling method being used in the analysis. This allowed the determination of the various components and factors of financial literacy and personal finance. Factor analysis determined which indicators from various scenarios respo...
ABSTRACT The study analysis shareholders’ economic value added (EVA) as a performance measure of selected listed Banks in Ghana to provide evidence about its ability as a measure compared to conventional accounting ratios: return on equity (ROE), return on assets (ROA) and earning per share (EPS). To achieve this, EVA of listed banks on the Ghana Stock Exchange was compared with traditional accounting ratio...
ABSTRACT Canonical finance theory holds that capital should move to the assets with the greater risk premium. Does foreign direct investment (FDI) move to countries with a higher country risk premia? We address this question in this study. We proxied country risk premium as the difference between the equity risk premium of an Africa country and the equity risk premium of US, sovereign bond spread and we measured foreign direct investment as the foreign inflows scaled by gross domesti...
ABSTRACT Credit risk and liquidity risk management practices have become very critical for efficient operations and survival of banks. This is because they have the tendency to affect the core existence of banks (profitability). However, the impact of credit risk and liquidity risk on the performance of banks is yet to be fully explored in Ghana. The recent takeover of UT bank Ltd and Capital bank Ltd by GCB bank Ltd; where issues of insolvency were cited by BoG as reason for the takeove...
ABSTRACT The chief thrust of this work is to examine the stimulus banks novelties has on fiscal performance in Ghana profitable banks listed. This research selected these banks registered on the interchange market to avoid issues of subjective outcomes which may lead to skeptical issues later on. Specifically, the study sought to: look at, the influence bank innovations have on net interest margin in Ghana commercial banks, scrutinize the stimulus banks n...