ABSTRACT As part of its conditions of services the Ghana Education Service (GES) offers career advancement opportunities to its staff to progress from one rank to another. The practice of promoting teachers has been bedeviled with some challenges which have caused a lot of discomfort in the teaching fraternity within the GES. Hence, this study assesses the Staff Promotion of Teachers in the Accra Metro Education Directorate, using the interpretative paradigm to analyse qualitative data, colle...
ABSTRACT The research investigated the sources and the average weekly income of household heads, examined amounts spent on needs; identified financial challenges faced and investigated strategies adopted to handle the challenges. The population of the study covered all household heads living in Nima East and West, a suburb of Accra. Descriptive survey was used and simple random sampling was used in selecting 120 respondents. Semi-structured interview schedule was used to elicit information f...
ABSTRACT This quantitative study investigated the effects of mobile money services on the growth of SMEs in Ghana using SMEs in Tarkwa Nsuaem Municipality as a case study. The study sought to answer the questions: which types of mobile money services are SMEs currently aware of and use for their business? How have mobile money services affected the sales revenue of SMEs; and what is the level of service quality of mobile money services in the Tarkwa Nsuaem Municipality? For this purpose, a qu...
ABSTRACT This study examines the credit appraisal process and repayment of Bank loans at Ecobank. Specifically, the study investigates the appropriateness of the credit appraisal process of Ecobank, the relationship between loan officers and customers and the effect of loan officer – customer relationship on the credit appraisal process. The study also identifies strategies to help improve the credit appraisal process of the Bank. A face-toface household-level survey of 142 respondents is...
Festivals and ceremonies are part and parcel of African culture, usually in all its pump, merriment and pageantry. However, with the increasing wave of criminal activities in Nigeria especially in Edo state, festivals and ceremonies are being redefined and conceptualized in practice. Only recently a new festival ‘Festival of Curses’ was brought to the fore in combating crime in Edo state. The study therefore seeks to explain the festival as a traditional mechanism in crime control, t...
ABSTRACT The study was conducted to examine the effects of HRM practices on the Employee‟s job performance using University of Education, Winneba-Kumasi campus as the study area. It aimed at describing and identifying the kind of HRM Practices that exist in the University taking, employees perception about it and some challenges thereof. The researcher uses the stratified simple random technique in the study. Using explanatory and quantitative research designs, 115 staff comprising 5 Deans...
ABSTRACT The main purpose of this study was to evaluate the effectiveness of internal control systems in tertiary institutions in Ghana. The specific objectives included: to review the types and effectiveness of the internal control systems in University of Education, Winneba (Kumasi Campus) (UEW-K); to examine the measures put in place to enhance the effectiveness of internal controls in UEW-K; and to recommend appropriate ways that will improve the effectiveness of internal control activit...
ABSTRACT Decentralization is assumed to bring about better efficiency in the distribution of public goods and services at the local level. Interestingly, this acclaimed position of decentralization depends largely on the belief that local governments will in practice exercise much fiscal discretion when it comes to the allocation of resources than the central government. However, to the shock of many, local assembly’s fiscal discretion appears to be very controlled in the sense that most l...
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 Over the years, NGOs have emerged as a key player in the field of microcredit. They have played the role of intermediary in starting and participating in micro-credit programmes by creating awareness of the importance of microcredit within the community. They have also created opportunities to learn about the principles and practices of microcredit. One of such NGOs is Plan Ghana, which has since 2005 been promoting access to credit among women’s groups in the Sissala West Di...
ABSTRACT Knowledge and utilisation of e-banking facilities by customers of financial institutions have attracted increasing attention in both the developed and developing world due to importance of e-banking in influencing faster business activities. This study examined the knowledge and utilisation of ebanking facilities in 3 branches of the National Investment Bank, Central Region of Ghana. The branches are Cape ...
ABSTRACT The study assessed employees’ satisfaction with employers support for higher education at Ecobank Ghana Limited. Data for the study was obtained from a sample of one hundred (100) respondents through self-administered questionnaires. Both qualitative and quantitative data were used for the study. The results indicated that training and development help improve employees’ performance within organizations, the study showed that the input from employers was minimal or non-existent...
ABSTRACT The concept of decentralisation as a developmental phenomenon comes with it, financial decentralisation and autonomy in which case the subnational institutions are enjoined to generate their own revenues for their developmental activities within their geographical areas. The study was to find out to what extent the Ahanta West District Assembly prosecutes its service delivery functions with its own internally generated revenues, and to examine�...
ABSTRACT Free-trade policies across countries have allowed an influx of diverse nonalcoholic drinks into Ghana. Frequent consumption of such drinks may contribute to non-communicable diseases (NCDs). The study evaluated the microbial quality and physico-chemical properties of selected non-alcoholic drinks in the Cape Coast Metropolis. Out of 122 non-alcoholic drinks catalogued, 22 were analysed. Aerobic mesophilic counts, total coliforms (TC), faecal ...