ABSTRACT Ghana’s financial sector has seen a transforming change with the introduction of mobile money services. The service over the years has transformed from being only a money transfer service to mix of other financial services such as payments and saving services. With mobile money service seeing increasing growth in terms of agents, customers, transactions and currently with four Mobile Network Operators in the mobile money industry, the study documents the effects mobile money servic...
ABSTRACT Although microenterprises contribute significantly to the growth and development of every country, they are confronted with double-barren issues of access to credit and loan repayment. Existing studies that have attempted to estimate factors associated with loan repayment have also relied heavily on limited micro-finance datasets while others have concentrated on loan repayment among farmers and thus leaving loan repayment among microenterprises at the regional and national level lar...
ABSTRACT This research was undertaken to examine the prospects and challenges hindering the implementation of “Free Senior High School Policy (FSHSP)” in the Denkyembour District in Ghana. The main rationale for this study comes about as an intervention by the government of Ghana in 2016 to increase enrolment of students in secondary school to ensure “equal access to secondary education” by all students in the country. Denkyembour was selected as the location of the study because it i...
ABSTRACT The inferences of competition for bank stability, profitability and efficiency have been the subject of much debate, yet they remain controversial and inconclusive. Identifying channels through which competition affects bank performance may improve our understanding of the inconsistent findings in the literature. Hence, this thesis analyses the implications of competition and financial freedom for bank performance. The study also examines the determinants of bank profit persistence. ...
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 construction...
ABSTRACT The proliferation of higher educational institutions has given students a wider variety of options as to where to persue their studies. In this era of competition, measuring service quality in higher education has become a vital tool to determine the level of students` perception of service quality in order to achieve their loyalty. This study focuses on Ghanaian students’ perception of service quality in higher educational institutions and its effects on their loyalty. The SERVQUA...
ABSTRACT Exporting is an activity that has been widely perceived as an effective route to the international market. For decades and beyond, exporting has been a means through which firms of all forms, sizes and resources extend their reach beyond national borders and into foreign markets with the view to expanding market share and increasing sales and profitability. Whilst traditionally, exporting carries some degree of risk, literature has specified that not all exporters are predisposed tow...
ABSTRACT Since its inception, the performance of the ECOWAS regional integration in terms of economic growth has not been encouraging. Numerous reforms were implemented to enhance the level of integration in the region including the revision of the ECOWAS of 1993. This study aims to examine the effect of the regional integration on economic growth, and, particularly, the effect of the revised treaty of 1993 on economic growth in the ECOWAS. We estimate a standard growth model using a panel da...
ABSTRACT The aim of this study is to assess the efficiency and productivity change of three groups of cooperative credit unions (CCUs) in Ghana using a DEA metafrontier and the metafrontier Malmquist productivity index (MMPI) framework. The framework helps to decompose the technical efficiency change and technical change components in the standard Malmquist Productivity Index (MPI) into a pure technical catch-up (PTCU) and frontier catch-up (FCU) in order to account for the catch-up effect. A...
ABSTRACT Work-life balance is an important issue in the life of women most especially married women. The study sought to assess the challenges that women entrepreneurs face in balancing their work and domestic work responsibilities using a nationally represented data obtained from the Gender and Enterprise Development Survey conducted by ISSER in 2014. The study employed a mixed method approach to analyze responses from a sample of 835 married and ever married women. The data helped to unrave...
ABSTRACT The creation of value has long been recognized as a central concept in marketing and has been suggested as the main purpose of organizations, a key to success via differential positioning, and a precursor to customer satisfaction and loyalty. Understanding what value is and how value is created and delivered to customers has become critical especially for service firms where there is less tangibility. The main aim of this study was to assess the value creation process of churches –...
ABSTRACT Learning environments are relevant in adult education as they serve to facilitate acquisition of relevant knowledge, skills and attitudes for one to be well educated. The Clinical Learning Environment (CLE) has been identified as a complex network of forces that work together in the learning of clinical skills for student nurses in addition to classroom learning (Flott & Linden, 2016). Student nurses are placed in the Clinical Learning Environment to acquire the requisite skills need...
ABSTRACT User fees have been in place since 1985 and have over the years generated a lot of debates and arguments in Ghana. This study aimed to investigate the impact of cost sharing policies, otherwise known as user fees on the utilisation of health care facilities in the Tema District of the Greater Accra Region of Ghana. Other issues such as how households rank other available alternatives to public health facilities, households’ views on the user fees concept, the effectiveness of the e...
ABSTRACT Stroke has been documented to be the second commonest cause of death, and a major disability in survivors. In sub-Saharan Africa, stroke is the leading cause of preventable death and disability in adults. There are a lot of challenges associated with stroke ranging from cognitive to behavioural changes as well as problems with perceived quality of life. The aim of the study was to examine the cognitive and behavioural changes as well as perceived quality of life of in individuals dia...
ABSTRACT Taxation is not only a major economic policy tool but also a means to encourage positive social behaviour and discourage negative social behaviour. Unfortunately, in Ghana, taxation is almost reduced to a tool for winning political power. Majority of the time, political discourse and economic policy discourse on taxation is at best anecdotal. The objective of this study is to investigate and provide empirical evidence on the relation between tax structure and growth in Ghana in order...