Finance Research Papers/Topics

THE IMPACT OF RURAL BANKS IN DEVELOPING SMES IN SUNYANI MUNICIPALITY (A CASE STUDY OF FIAGYA RURAL BANK)

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...

“ORGANISATIONAL CULTURE OF THE GHANA REVENUE AUTHORITY: A STUDY OF THE OKAISHIE OFFICE, ACCRA”

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...

ASSESSING STAKEHOLDERS’ PERCEPTION ON HEALTHCARE CLAIMS FRAUD CONTROL AT TAKORADI MUTUAL HEALTH INSURANCE SCHEME

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...

TAX COMPLIANCE BEHAVIOUR AMONG SELF-EMPLOYED PERSONS IN THE CAPE COAST METROPOLIS

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...

AN EVALUATION OF THE EFFECTIVENESS OF THE DISBURSEMENT AND UTILIZATION OF THE DISTRICT ASSEMBLY COMMON FUND (DACF) IN THE GOMOA EAST DISTRICT

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 ...

EXCHANGE RATE RISKS AND PROFITABILITY OF AUTO PARTS DEALERS IN GHANA

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...

DETERMINANTS OF DIVIDEND PAYOUT RATIO OF FIRMS LISTED ON THE GHANA STOCK EXCHANGE

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...

The Impact of Rural Bank Credit Facilities on Rural Development in Ghana: A Case Study of Amuga Rural Bank Limited

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...

Financial Literacy and Personal Finance in the Cape Coast Metropolis

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...

ANALYSIS OF SHAREHOLDERS’ ECONOMIC VALUE ADDED OF SELECTED LISTED BANKS IN GHANA (2006-2010)

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...

RISK PREMIUM AND FOREIGN DIRECT INVESTMENT IN AFRICA

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...

LIQUIDITY RISK, CREDIT RISK AND PERFORMANCE OF LISTED BANKS IN GHANA

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...

BANKS NOVELTIES AND FINANCIAL PERFORMANCE OF COMMERCIAL BANKS IN GHANA

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...

Ownership Structure and Investment Cashflow Sensitivity of Ghanaian Listed Firms

ABSTRACT  There is overwhelming evidence in empirical literature that in the presence of market imperfections, investments of financially constraint firms become sensitive to the availability of internal finance.  There are also contradictory evidences regarding the pattern of the observed investment cash flow sensitivity. However, most of the empirical work on the responsiveness of firms’ investment to cash flow was done using data from developed markets. This study examines not jus...

Tax Policy designer know that any tax system serves multiple objectives. What are objectives and what principles will influence the design of a tax system to ensure that these objectives are

Introduction Roles of Government Objectives of tax system Principles of Tax system: - Factors that policy maker should consider to meet objectives of tax system: Problems faced by policy maker while designing tax system: - Conclusion References


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