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Amponsah, Fred, Jeff Turner, Margaret Grieco, Andrews Kwablah, and Paul Guitink. "Commercial Use of Nonmotorized Transport: Evidence from Accra, Ghana." Transportation Research Record: Journal of the Transportation Research Board 1563, no. 1 (January 1996): 1–7. http://dx.doi.org/10.1177/0361198196156300101.
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The traders of Accra, Ghana, continue to make use of hand-pushed and hand-pulled carts for moving their stock across the city. These non-motorized forms of transport play a key role in a low-income economy; developing economies, with their large informal sectors and plentiful supply of petty-trading enterprises, contain a preponderance of enterprises having restricted capital bases, a condition that requires the use of low-cost transportation. The bicycle, although well suited to the small-load requirements of much petty trading, is not regarded as a suitable mode of transport for women, who make up the majority of Ghana's traders. A World Bank project designed to support and promote models of nonmotorized transportation is being implemented. The practices and prospects of the commercial use of nonmotorized transport in Ghana is discussed, the World Bank project that supports and promotes these transportation modes is described, and the appropriateness of nonmotorized transportation modes for developing economies is discussed.
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Hinson, Robert, Nana Owusu‐Frimpong, and Julius Dasah. "Key motivations for bank patronage in Ghana." International Journal of Bank Marketing 27, no. 5 (July 24, 2009): 381–99. http://dx.doi.org/10.1108/02652320910979898.
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Boadi, Isaac. "Determinants of Ghanaian banks’ credit to the “missing middle”: a supply side approach." International Journal of Bank Marketing 34, no. 6 (September 5, 2016): 924–39. http://dx.doi.org/10.1108/ijbm-12-2015-0194.
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Purpose The purpose of this paper is to use bank-level panel data to examine the determinants of Ghanaian banks credit to SMEs often referred to as the “Missing Middle.” Demands for bank credit by SMEs sector have been over flogged by researchers in recent times. Determinants of banks’ credit to SMEs from the supply side using most recent data for both micro (bank level) and macro (country) level data is a contribution to empirical literature. Design/methodology/approach The study employed the Generalized methods of moments using ten banks listed on the Ghana Stock Exchange to examine factors that determine banks credit to SMEs in Ghana. Bank-specific and country-specific data were collected from the financial statements of the sampled commercial banks operating in Ghana compiled by Ghana Association of Bankers over the period 1997-2014 consisting of 180 observations. The macroeconomic variables were retrieved from Ghana Statistical Service and Bank of Ghana, respectively. Findings The result of the study reveal that apart from the size of top management and GDP growth, the rest of micro (bank-specific variables) and macro (country) level sampled statistically influences bank credit to SMEs. Specifically, the coefficient of bank size, its profitability and inflation variables are negative demonstrating that in Ghana, bigger, most profitable banks and high inflation period limit credit to the SMEs sector. The coefficients of board size and bank origin variables were found to be positive indicating banks with huge board size and foreign banks tend to provide more credit to SMEs. Originality/value The main value of this paper is to examine determinants of Ghanaian banks credit to the “Missing Middle.” A supply side approach.
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Adomah-Afari, Augustine, and Theophilus Maloreh-Nyamekye. "Relationship marketing strategy." International Journal of Health Care Quality Assurance 31, no. 6 (July 9, 2018): 631–45. http://dx.doi.org/10.1108/ijhcqa-05-2017-0086.
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PurposeThe purpose of this paper is to explore how strategies are put in place to formulate policies regarding the introduction and implementation of relationship marketing (RM) in the health sector, and how RM strategies are designed as part of the curricula for the training of prospective health professionals in Ghana.Design/methodology/approachData were gathered using interviews and documentary review. A purposive sampling technique was used to recruit policy makers and health educationists in Accra for in-depth interviews. Qualitative interviews were analysed using framework analysis.FindingsThe findings revealed that, currently, there is no policy framework on RM in the health sector nor included in the curricula of health training institutions in the country.Research limitations/implicationsDue to limited time and funding constraints, the study could not include many policy makers, educationists, health providers, facilities and regions outside the Greater Accra region of Ghana. This means that the authors missed out on useful insights from other relevant policy makers/educationists who would have added to the knowledge that this study contributes. There were still some areas that this study could not cover, including the lack of an exploration of the perceptions of health providers and patients.Practical implicationsEvidence from the current research provides the basis for scaling up of a similar study to the whole country to address the perennial RM or quality of care/patient satisfaction issues persisting in health facilities in the country. The outcome of this large-scale study would help to confirm the findings of the current study on the adoption and incorporation of RM into both policy framework and curricula of health training institutions in Ghana. The findings would culminate in the preparation and utilisation of guidelines on RM for client-centred service delivery in the health sector of the country.Social implicationsThis paper argues that RM orientation could enable health professionals to improve upon their healthcare service performance and quality of care so as to enhance patient satisfaction.Originality/valueThe study recommends that RM should be adopted by health policy makers and designers of curricula for health training institutions.
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Afari, Augustine Adomah, and Theophilus Maloreh Nyamekye. "Enhancing Patient Satisfaction - Relationship Marketing Strategies of Two Specialist Hospitals in Accra, Ghana." International Journal of Social and Administrative Sciences 4, no. 2 (2019): 213–31. http://dx.doi.org/10.18488/journal.136.2019.42.213.231.
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DeBerry-Spence, Benét. "Making theory and practice in subsistence markets: An analytic autoethnography of MASAZI in Accra, Ghana." Journal of Business Research 63, no. 6 (June 2010): 608–16. http://dx.doi.org/10.1016/j.jbusres.2009.02.024.
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Ansong, David, Gina Chowa, and Bernice Korkor Adjabeng. "Spatial analysis of the distribution and determinants of bank branch presence in Ghana." International Journal of Bank Marketing 33, no. 3 (May 18, 2015): 201–22. http://dx.doi.org/10.1108/ijbm-09-2013-0103.
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Purpose – Expanding access to financial services for the 70 percent of Ghanaians who are unbanked is critical. Bank branches have been the primary channel for financial service delivery, but this may be changing because of technological innovations. Analysts believe branch-based banking still has a role in promoting financial inclusion. The purpose of this paper is to examine the pattern of bank branch presence across rural and urban Ghana; the disparities in the spatial distribution of domestic, foreign, and rural and community bank branches; and the district level characteristics associated with the pattern of spatial distribution of bank branches. Design/methodology/approach – The study uses spatial analyst tools, geographically weighted Poisson regression, and data from Ghana’s banking sector to show the inequality in availability of branch-based services and to highlight the district and regional level differences in the determinants of branch allocation. Findings – The study finds evidence of inequality in access to financial services. Physical bank branches are disproportionately more accessible in the urban south compared to the rural north. The study also finds that population size, percentage of urban residents, workforce size, and literacy level are associated with bank allocation but the results vary by district. Practical implications – Branch banking needs modernization to continue to bring financial services in closer proximity. Development of physical and electronic infrastructure could attract financial institutions to serve deprived areas with significant concentration of unbanked populations. Originality/value – Findings of the study point to the need for banks to re-envision branch banking technology to make branch banking more interactive. Banks need to find ways to fuse transferable elements of mobile phone banking into branch-based banking, not just to attract younger technology-savvy customers but also to help make operations more attractive, efficient, and cost effective.
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Setsoafia, E. "Determinants of Direct Marketing Strategy Adoption by Agro SMEs’ in the Greater Accra Region, Ghana." Asian Journal of Agricultural Extension, Economics & Sociology 2, no. 2 (January 10, 2013): 105–17. http://dx.doi.org/10.9734/ajaees/2013/4474.
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Anderson, Jemima Asabea, John Franklin Wiredu, Gladys Nyarko Ansah, George Frimpong-Kodie, Elizabeth Orfson-Offei, and Dennis Boamah-Boateng. "A linguistic landscape of the central business district of Accra." Legon Journal of the Humanities 31, no. 1 (December 30, 2020): 1–35. http://dx.doi.org/10.4314/ljh.v31i1.1.
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Using the mixed method research approach, this study investigated the linguistic landscape of the central business district of Accra, Ghana. The study employed both the Ethnolinguistic Vitality Theory (EV) and the Place Semiotics Theory to explore the types of signage displayed by shop owners in the Makola market, the languages used on these signs, the dominant language(s) on the signs and how the use of language reflects the ethnolinguistic vitality of the local languages used in Accra. The findings present a very busy linguistic landscape where shop owners use the names of their companies and the products they sell as a marketing strategy through a variety of modes including signboards, billboards, taglines, and signposts to attract customers. There was also a preponderance of English in the linguistic landscape of Accra, which establishes English as a powerful tool for inter-ethnic communication and national integration, giving an implicit impression of low vitality of indigenous languages in the space.
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Anderson, Jemima Asabea, John Franklin Wiredu, Gladys Nyarko Ansah, George Frimpong-Kodie, Elizabeth Orfson-Offei, and Dennis Boamah-Boateng. "A linguistic landscape of the central business district of Accra." Legon Journal of the Humanities 31, no. 1 (December 30, 2020): 1–35. http://dx.doi.org/10.4314/ljh.v31i1.1.
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Using the mixed method research approach, this study investigated the linguistic landscape of the central business district of Accra, Ghana. The study employed both the Ethnolinguistic Vitality Theory (EV) and the Place Semiotics Theory to explore the types of signage displayed by shop owners in the Makola market, the languages used on these signs, the dominant language(s) on the signs and how the use of language reflects the ethnolinguistic vitality of the local languages used in Accra. The findings present a very busy linguistic landscape where shop owners use the names of their companies and the products they sell as a marketing strategy through a variety of modes including signboards, billboards, taglines, and signposts to attract customers. There was also a preponderance of English in the linguistic landscape of Accra, which establishes English as a powerful tool for inter-ethnic communication and national integration, giving an implicit impression of low vitality of indigenous languages in the space.
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Narteh, Bedman. "Service quality and customer satisfaction in Ghanaian retail banks: the moderating role of price." International Journal of Bank Marketing 36, no. 1 (February 5, 2018): 68–88. http://dx.doi.org/10.1108/ijbm-08-2016-0118.
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Purpose Various models and scales exist in the literature to measure retail bank service quality without any attempt at integrating them and the moderators have often been under explored. The purpose of this paper is to integrate the SERVQUAL and BSQ models and moderated the resulting scale with price in order to examine service quality and customer satisfaction with retail bank services in Ghana. Design/methodology/approach The study is quantitative and the survey methodology was used to collect data from 560 retail bank customers. The result was analyzed through structural equation modeling. Findings The study provides an expanded model for measuring retail bank service quality as seven of the eight latent constructs emerged as service quality dimensions when moderated with price. It is significant to also note that five of the constructs – tangibles, reliability, assurance, empathy and price – from the direct relationship emerged as the dimensions of retail bank service quality that positively and significantly predicted customer satisfaction. Practical implications The study provides insight into customer behavior with the quality of retail bank services in Ghana. The resulting broader dimensions provide an integrated and expanded model as well as pointers to bank managers on service quality and customer satisfaction cues to enable them attract, serve and retain customers. Originality/value The study is the first of its kind to integrate two of the popular models to measure retail bank service quality and to use price as a moderator of this relationship. The resulting scale, which comprised of variables from the two models, provides support for the approach used in the current study.
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Ibrahim, Hadi, Ibn Kailan Abdul-Hamid, and Muhammed Abdulai. "Revisiting Young Customers’ Bank Selection and Loyalty Decisions in Ghana." Athens Journal of Business & Economics 7, no. 2 (February 15, 2021): 203–26. http://dx.doi.org/10.30958/ajbe.7-2-5.
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This study examines first-year students’ (who mostly are opening/operating bank accounts for the first time on their own) bank selection and loyalty decisions. An extensive literature review was done to develop study instruments. An exploratory analysis of 320 usable questionnaires was done. The study found in order of importance that: bank service/convenience, service quality/bank image, staff attitude/recommendations, core service/communication and customer service were factors influencing their bank selection decisions in Ghana. Also, friendly operations/regulations, relationship management, service quality/ financial benefits, client satisfaction and bank image were identified in order of importance to be responsible for their loyalty to banks in Ghana. This study reiterates to bank management that factors including quality of service, bank image, recommendation (word of mouth), employee competence, bank knowledge, customer satisfaction, price of transactions, relationship marketing and bank regulation should be at the core of their strategy development and implementation. The study is original with insightful updates and new perspectives on young adults’ bank selection and loyalty dimensions. This study is the first attempt to systematically combine bank selection and loyalty factors in a single comprehensive survey in Ghana. (JEL G21) Keywords: bank, customers, Ghana, loyalty, selection
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Selase, Aphu Elvis. "The Impact of Recruitment and Selection Criteria on Organizational Performance. GN Bank, Greater Accra Region of Ghana as the Mirror." Journal of Public Administration and Governance 8, no. 3 (September 11, 2018): 283. http://dx.doi.org/10.5296/jpag.v8i3.13637.
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This study investigates the impact of recruitment and selection criteria on performance using GN Bank, Accra Ghana as point of convergence. The analyses of 130 valid responses obtained through a questionnaire that was administered to randomly selected respondents uncovered that recruitment and selection criteria have significant effect on organization’s performance (X2 = 35.723; df = 3; p<0.05). The more objective the recruitment and selection criteria, the better the organization’s performance (X2 = 20.007; df = 4; p<0.05). Therefore, its imperative to put candidates under meticulous check cum scrutiny so as to conceive an organizational palatability as the after-effect.
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Kyei, Daniel Asante, and Augustine Thomas Mambu Bayoh. "Innovation and Customer Retention in the Ghanaian telecommunication industry." International Journal of Innovation 5, no. 2 (August 30, 2017): 171–83. http://dx.doi.org/10.5585/iji.v5i2.154.
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The competition within the telecommunication sector is increasing day by day in Ghana and therefore requires the telecom operators to be more adept in their strategic approach to meet the growing demands of customers. Effective innovation is believed to be key in the approach of wining and maintaining customers. This paper examines the effect of innovation on customer retention in the telecommunication industry in Ghana. Data were collected using self-administered questionnaires to 365 customers of 6 telecommunication companies in Accra, Ghana. Descriptive statistics and multiple regression were employed to examine the relationship between the independent and dependent variables. The result shows that there is positive and significant relationship between innovation and customer retention. The study also discloses that service innovation, process innovation, and marketing innovation were the key determinants of customer retention. The study found service innovation to be a significant chief driver of customer retention. The study recommends that telecommunication companies who desire to improve upon the level of customer retention should invest much in service innovation, process innovation, and marketing innovation.
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Srofenyoh, Francis. "Maize Market Integration: A Case Study of Maize Marketing In Ghana." International Journal of Technology and Management Research 1, no. 4 (March 12, 2020): 1–11. http://dx.doi.org/10.47127/ijtmr.v1i4.33.
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Agricultural marketing remains a challenge; this is because a large proportion of the population is engaged in a form of small-scale agricultural production and marketing that is characterised by a multitude of constraints and market imperfections. Paramount among the constraints are limited land availability, poor physical and legal infrastructure, high transaction costs and few available and alternative livelihood support systems. For some of these constraints to be removed, there is the need for information flow. Thus, it is believed that, spatial price transmission or market integration measures, the degree to which markets at geographically separated locations share common long-run price or trade information on a homogenous commodity. Using the co-integration approach, the results of the study using either Techiman or Kumasi as the producer markets of maize, the following markets Bolga, Wa, Ho, Tamale, Mankesim, Koforidua, Accra, Cape Coast and Takoradi/Sekond (as consumer markets) shows that there is a long run price transmission relations with the consumer markets. However, Bolgatanga market is the only exception. It is recommended that the Ministry of Food and Agriculture should intensify collection and dissemination of data on maize prices to both consuming markets and producing markets. This can be enhanced by Government establishing market information centres in these markets where both traders and farmers could go for information on the price trend of the commodity in other market(s).Keywords: Co-integration; Marketing; Market Integration; Non-stationarity; stochastic process.
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Mahmoud, Mahmoud Abdulai, Charles Blankson, Nana Owusu-Frimpong, Sonny Nwankwo, and Tran P. Trang. "Market orientation, learning orientation and business performance." International Journal of Bank Marketing 34, no. 5 (July 4, 2016): 623–48. http://dx.doi.org/10.1108/ijbm-04-2015-0057.
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Purpose – The purpose of this paper is to examine the relationship between market orientation, learning orientation and innovation; and second, assesses the role of innovation, market orientation and learning orientation on firms’ business performance using a developing country (i.e. the Ghanaian banking domain) as a study context. Design/methodology/approach – Following a nation-wide survey among senior managers of 28 banks in Ghana, five research propositions were tested using multiple linear regression analysis. Findings – Results demonstrate that market orientation has significant association with innovation while learning orientation has significant impact on innovation. Moreover, innovation mediates the relationship between market orientation and business performance. Research limitations/implications – This study adopt the cross-sectional research design and as such acknowledge the same limitations as other cross-sectional studies. Practical implications – The research will help bank executives especially in Ghana and other developing countries to appreciate these marketing variables. Social implications – Banks innovation efforts, concurrently with the development of market orientation culture and improvement in organizational learning processes must benefit bank customers and stakeholders as a whole. Originality/value – The research will help banks in Ghana and other developing countries to appreciate that their innovation efforts should concurrently be in sync with the development of market orientation culture and improvement in organizational learning processes.
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Dadzie, Kofi Q., Ishmael P. Akaah, and Bruce H. Dunson. "Promoting the Bank Savings Habit in Ghana: A Success in Marketing Technology Transfer." Journal of Macromarketing 9, no. 1 (June 1989): 16–23. http://dx.doi.org/10.1177/027614678900900103.
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Anim, Patrick Amfo, Frederick Okyere Asiedu, Matilda Adams, George Acheampong, and Ernestina Boakye. "“Mind the gap”: to succeed in marketing politics, think of social media innovation." Journal of Consumer Marketing 36, no. 6 (September 9, 2019): 806–17. http://dx.doi.org/10.1108/jcm-10-2017-2409.
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Purpose This paper aims to explore the relationships between political marketing via social media and young voters’ political participation in Ghana. Additionally, this study examines the mediating role political efficacy plays in enhancing the relationship. Design/methodology/approach With a positivist mindset, and adopting the survey strategy, data gathered from the questionnaire administered from the sampled 320 young voters (18-29 years) in Greater Accra were quantitatively analyzed. An exploratory factor analysis (EFA), confirmatory factor analysis (CFA) and structural equation modeling (SEM) were used to assess and confirm the proposed scales validity and the relationships of the research model. Findings The study revealed that a political party or candidate’s ability to achieve political participation from Ghanaian young voters’ is dependent on how effective they build customer relationship or gaining visibility through social media. In addition, the study showed that political efficacy mediates the relationship between customer relationship building or gaining visibility through social media and political participation among Ghana young voters. Thus, young voters in Ghana must see themselves to have a say in the affairs of political parties through the political messages they gather from social media platforms to enhance their political participation activities. Practical implications The results of this paper will enable political marketers and politicians not only in Ghana but across the globe, to better understand how social media as a communication tool could be used to positively influence users’ political participation. Originality/value Considering the uniqueness of this study in a Ghanaian context, this paper is the first of its kind to use the social capital theory in examining the mediating role political efficacy plays in enhancing the relationship between political marketing on social media and young voters’ political participation.
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Ofori, Kwame Simpe, Henry Boateng, Abednego Feehi Okoe, and Igor Gvozdanovic. "Examining customers’ continuance intentions towards internet banking usage." Marketing Intelligence & Planning 35, no. 6 (September 4, 2017): 756–73. http://dx.doi.org/10.1108/mip-11-2016-0214.
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Purpose The purpose of this paper is to identify factors that affect continuance intention towards internet banking usage using the institutional trust theory. Design/methodology/approach Data were collected from 481 internet banking users from a bank in Ghana using a questionnaire. The respondents were internet banking users. Data were analysed using partial least square-structural equation modelling. Findings The results from the analysis revealed that information quality, service quality, privacy and security concerns were significant predictors of both trust and satisfaction. Structural assurance and situational normality were also found to significantly affect trust. Other factors that were found to be significant of continuance intention included satisfaction and trust. Originality/value Studies investigating customers’ continuance intention towards internet banking usage using the institutional trust theory in an emerging economy like Ghana is rare. Hence, this study provides a model for banks operating in Ghana to understand internet banking customers’ continuance intention towards internet banking usage.
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Donkor-Hyiaman, Kenneth, Esther Narhkwor Terkper, Eric Paul Tudzi, De-Graft Owusu-Manu, and Benjamin Ajabuin. "Corporate real estate management and bank profitability." Journal of Research in Emerging Markets 3, no. 4 (September 17, 2021): 35–47. http://dx.doi.org/10.30585/jrems.v3i4.651.
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Acquiring property for any business is capital intensive and for that matter, strategically managing such assets is considered equally important. This paper provides an analysis of the value-adding attributes of corporate real estate management (CREM) and bank performance in Ghana. The multiple regression method was applied to a cross-section of both primary and secondary data sourced from 25 commercial banks in Ghana. The study shows that the banks identify with the value-adding attributes of corporate real estate asset management even though there are variations in the level of importance to individual banks. These variations are attributable to the unique mandates of the banks. Further analysis shows that CREM has significantly positive impacts on bank profitability by strategies that help to increase innovations, increase productivity, and promote marketing and sales. The finding suggests that optimizing these CREM strategies could help increase bank profits.
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Abunyuwah, Isaac. "Modeling Market Integration and Asymmetric Price Transmission Dynamics of Yam Markets in Ghana." Journal of Economics and Behavioral Studies 12, no. 3(J) (July 25, 2020): 23–31. http://dx.doi.org/10.22610/jebs.v12i3(j).2710.
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Functioning agricultural markets are fundamental to unlock economic growth and to accelerate agricultural development. Understanding the behavior of agriculture markets is crucial for price, poverty and livelihood policy strategies in agrarian economies. To assess price transmission and market efficiencies of Ghanaian yam markets spatial market integration analysis of five major yam markets: Techiman, Tamale, Wa, Kumasi and Accra was conducted. Monthly wholesale price data between January 2006 and June 2018 were used. Results from the momentum threshold autoregressive (M-TAR) model indicated the presence of co-integration and price transmission asymmetries. Thus, price increases in Techiman reference market are more rapidly transmitted to the other regional markets than price reductions. It is recommended that the source of this type of asymmetry be investigated as it favors middlemen at the expense of producers and retailers/consumers for appropriate marketing policy intervention.
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Tweneboah-Koduah, Ernest Yaw, and Nana Owusu-Frimpong. "Social marketing on AIDS: using Transtheoretical model to understand current condom usage among commercial drivers in Accra, Ghana." International Journal of Nonprofit and Voluntary Sector Marketing 18, no. 4 (July 15, 2013): 241–60. http://dx.doi.org/10.1002/nvsm.1470.
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Hinson, Robert. "Corporate social responsibility (CSR) reportage on websites and in annual reports: The case of CAL bank in Ghana." Corporate Ownership and Control 8, no. 2 (2011): 190–202. http://dx.doi.org/10.22495/cocv8i2c1p4.
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Purpose – The management literature in recent years have been paying attention to the concept of corporate social responsibility. This could be attributed to stakeholder concerns of ethical practices of companies globally. This study focuses on how an indigenous Ghanaian bank reports its CSR activities online and in the annual reports. Design/methodology/approach – A conceptual framework was adopted from the extant literature and used as the basis of comparative content analysis of social responsibility data on CAL Bank’s website, www.calbank.net and the annual reports. We compared the social responsibility reportage on the website with the social responsibility reportage from the annual reports of the Bank from 2003-2009. We also conducted in-depth interviews with senior management of the bank to develop a deeper understanding of CAL Bank’s online CSR reportage. Findings: There seems to be a consistency between the annual reports and the corporate website CSR reportage of the bank. There however seems to be under-reportage of CAL Bank’s CSR activity online as their CSR online reportage focuses mainly on external disclosures. It also came to light that the bank’s CSR reportage is fragmented and is not integrated into a marketing communication plan. These findings demonstrate the challenges the bank faces in coordinating and integrating its marketing communication activities. Originality/value – Studies on online CSR communications within developing countries context is limited. This study does not only help bridge the gap but contributes to improving bank marketing practices in Ghana as well.
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Amoako, George Kofi, Emmanuel Kotey Neequaye, Solomon G. Kutu-Adu, Livingstone Divine Caesar, and Kwame Simpe Ofori. "Relationship marketing and customer satisfaction in the Ghanaian hospitality industry." Journal of Hospitality and Tourism Insights 2, no. 4 (November 5, 2019): 326–40. http://dx.doi.org/10.1108/jhti-07-2018-0039.
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Purpose The purpose of this paper is to investigate how relationship marketing practice can lead to customer satisfaction in the current practices in the hotel industry in Ghana. Globally, the hospitality industry ranks as one of the most competitive business sectors with competing organisations relying on a cocktail of strategies such as relationship marketing to stay relevant, and attract and retain customers. This paper examines how relationship marketing impacts on trust, commitment and satisfaction for customers in the Ghanaian hospitality industry. Design/methodology/approach A positivist methodological framework was used for the collection of data, analysis and theoretical development in this research. The data collection questionnaire was administered to 167 guests of a 3-star hotel in the Accra Metropolis. Structural equation modelling was used to ascertain the significance of the relationship that exists between trust, commitment and customer satisfaction with respect to the relationship marketing practices of hoteliers in Ghana. Findings Study findings provide insight into the processes and practices of relationship marketing that is based on trust and commitment. The findings show a positive and significant relationship between trust, commitment and customer satisfaction. The study also revealed that commitment partially mediates the association between trust and customer satisfaction. Research limitations/implications While this study is limited to a single hospitality and tourism company in Ghana, the findings can have far reaching implications for managers in the hospitality industry in Ghana, it provides a vivid illustration of the impact that customer satisfaction can have on the fortunes of business and a genuine desire to develop trust and be committed to the welfare of business clients can lead to higher customer patronage. Practical implications Trust and commitment in the hospitality industry requires innovative business practices that makes the client value all the service experience that he or she may encounter. The findings indicate that customer satisfaction is influenced by trust and commitment in the hospitality industry. Originality/value Value to the authors’ knowledge, the relationship between trust and commitment in relationship marketing and customer satisfaction concepts has not previously been investigated using structural equation modelling analysis within the Ghanaian hospitality industry. This implies that both trust and commitment are necessary to attain customer satisfaction.
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YuSheng, Kong, and Masud Ibrahim. "Innovation Capabilities, Innovation Types, and Firm Performance: Evidence From the Banking Sector of Ghana." SAGE Open 10, no. 2 (April 2020): 215824402092089. http://dx.doi.org/10.1177/2158244020920892.
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Innovation is considered a key driver for long-term success of firms in today’s competitive markets. This study explored the effect of innovation adoption on performance of banks in Ghana. Data for the study were obtained from 450 respondents comprising bank employees and customers in the Kumasi metropolitan area in Ghana. An exploratory factor analysis, confirmatory factor analysis, and structural equation modeling were used to analyze the data via SmartPLS 3 and SPSS V.22. Findings from this study revealed that the innovation dimensions that contribute to bank innovation are organizational, product, process, and marketing innovations. The study further revealed a direct and positive relationship between innovation dimensions (product, marketing, and organizational innovations) and bank performance. In addition, findings from this study showed a positive relationship between innovation capability and the four dimensions of innovation (organizational, product, process, and market innovations). Also, the findings revealed a significant and positive relationship between the dimensions of innovation (market, process, and product innovations) and firm performance. The practical implication is that, choosing the appropriate innovation types can enhance bank performance as well as satisfy customer needs. This study extends the literature on innovation adoption and organizational performance in the financial services from an emerging market context.
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Agbemava, Edinam, Israel Kofi Nyarko, Thomas Clarkson Adade, and Albert K. Bediako. "Logistic Regression Analysis Of Predictors Of Loan Defaults By Customers Of Non-Traditional Banks In Ghana." European Scientific Journal, ESJ 12, no. 1 (January 29, 2016): 175. http://dx.doi.org/10.19044/esj.2016.v12n1p175.
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The objective of this research is to identify the risk factors that influence loan defaults by customers in the microfinance sector and to develop a model that links these factors to credit default by customers in the sector. Data from a microfinance institution based in Accra Ghana was used. A binomial logistic regression analysis was fitted to a data of 548 customers who were granted credit from January 2013 to December 2014. The results of the study revealed that six factors: X3 (Marital Status); X7 (Dependents); X11 (Type of Collateral or Security); X13(Assessment); X15 (Duration); and X16 (Loan Type) were statistically significant in the prediction of loan default payment with a predicted default rate of 86.67%. It is therefore suggested that microfinance institutions adopt among others, the default risk model to ascertain the level of risk since it’s relatively efficient and cost effective. There should also be up to date training for loan officers of microfinance institutions in order to improve on their assessment skills and methodology. The supervising body of microfinance institutions (Bank of Ghana) should also consider enacting laws that will ensure that all such institutions in Ghana are roped into centralized database to check multiple borrowing and also serve as an internal control measure for the sustainability of these institutions.
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Joseph, Mbawuni, and Nimako Gyasi Simon. "Factors Affecting Consumer Attitude towards Financial Adverts in Ghana’s Banking Industry." International Journal of Economics and Finance 10, no. 1 (December 15, 2017): 191. http://dx.doi.org/10.5539/ijef.v10n1p191.
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This paper examines consumer attitude towards financial adverts in an emerging economy context, using Ghana as the research context. Drawing from financial marketing literature, a conceptual framework was developed and tested using data from a sample of 246 customers of financial institutions in Ghana. The data were analysed using partial least squares structural equation modelling (PLS-SEM). The findings indicate that consumer attitude towards financial adverts is influenced by credibility, information, entertainment, irritation and participation in financial adverts. Theoretically, this paper confirms existing research regarding the positive effect of advert content on bank customers’ behaviour towards financial services. It also adds new knowledge to existing literature by focusing on a developing country context and by providing empirical evidence linking bank customers’ participation in financial ads to their attitude. Managerially, this study informs bank managers regarding effective management of financial advert contents in order to influence bank customer’s attitude towards financial adverts.
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Amoako, George Kofi, Peter Anabila, Ebenezer Asare Effah, and Desmond Kwadjo Kumi. "Mediation role of brand preference on bank advertising and customer loyalty." International Journal of Bank Marketing 35, no. 6 (September 4, 2017): 983–96. http://dx.doi.org/10.1108/ijbm-07-2016-0092.
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Purpose The purpose of this paper is to investigate the mediating role of brand preference on the relationship between bank advertising and customer loyalty in Ghana’s banking industry. Design/methodology/approach A total number of 600 respondents participated in the study. Convenient sampling technique was employed to select a cross-section of customers from the universal banks currently operating in Ghana. Structural equation modeling technique of PLS was used to test the nature of relationships in the research hypotheses. Findings The study found a significant positive relationship between advertising effectiveness and brand preference. Also, there is a significant positive relationship between advertising and customer loyalty. Again, there is a significant positive relationship between brand preference and customer loyalty. Finally, brand preference positive mediates the relationships between advertising and customer loyalty. Practical implications The study provides a useful guide to strategy and policy formulation in marketing communication by establishing the potential viability of advertising strategy in bank marketing and its potential to generate brand preference and customer loyalty. Originality/value The study has practical implication for, and relevance not only to the banking industry communication strategy but also the entire financial services industry.
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YuSheng, Kong, and Masud Ibrahim. "Service innovation, service delivery and customer satisfaction and loyalty in the banking sector of Ghana." International Journal of Bank Marketing 37, no. 5 (July 1, 2019): 1215–33. http://dx.doi.org/10.1108/ijbm-06-2018-0142.
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Purpose The concept of innovation is gaining ground steadily in the context of an increasingly competitive and highly volatile banking sector. The purpose of this paper is to find out the role of service innovation (SI) in the relationship between service delivery (SERVD), customer satisfaction (CSAT) and loyalty in the banking sector of Ghana. Design/methodology/approach Drawing from banking and marketing literature, a conceptual framework was developed and tested using data from 450 sampled customers of commercial banks in Ghana. The data were analyzed using partial least squares structural equation modeling. Findings The findings indicate that SI has direct influence on SERVD and CSAT. Again the findings revealed a positive relationship between SERVD, CSAT and bank customer loyalty. Research limitations/implications This study offers theoretical support for the adoption of innovative techniques in service provision and delivery. Originality/value This paper provides an initial study into innovation management in financial services context in an emerging economy.
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Dzogbenuku, Robert K., Godson K. Ahiabor, and George K. Amoako. "Customer Service and Customer Retention in Ghana's Banking Sector: The Case of SG SSB Bank (Societe Generale, Ghana)." Indian Journal of Marketing 44, no. 1 (January 1, 2014): 33. http://dx.doi.org/10.17010/ijom/2014/v44/i1/80471.
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Narteh, Bedman, and Mahama Braimah. "Corporate reputation and retail bank selection: the moderating role of brand image." International Journal of Retail & Distribution Management 48, no. 2 (October 21, 2019): 109–27. http://dx.doi.org/10.1108/ijrdm-08-2017-0164.
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Purpose Even though scholars have proposed multiple dimensions to measure corporate reputation, the relationship between these dimensions and service provider selection has received a dearth of research. Moreover, the moderating role of brand image on this relationship has hardly been considered. The purpose of this paper is to fill these gaps in the literature. Design/methodology/approach The study employed a quantitative approach, collecting data from 540 retail bank customers using surveys. Results were analyzed using structural equation modelling in AMOS. Findings The study found out that emotional engagement, corporate performance, customer centricism and service quality directly predicted customer selection of retail banks in Ghana. The results further indicated that brand image moderates the relationship between social and ethical engagement, which was not directly significant and bank selection. Practical implications The findings of the study indicate that some of the dimensions of corporate reputation have a direct impact on bank selection by customers, and that brand image could also be used to improve social and ethical dimension of corporate reputation to ensure bank selection by retail customers. The study thus provides practical guidelines for managing corporate reputation to achieve retail bank selection in Ghana. Originality/value The paper provides support to some of the prior studies on corporate reputation in the retail banking sector. Thus, the study provides useful insights into how corporate reputation can be managed to ensure service provider selection by retail bank customers.
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Doku, George Narh, William Kweku Agbozo, Rabia Asiba Annor, Gladis Doeyo Kisseh, and Matilda Ampomah Owusu. "Frequency of ABO/Rhesus (D) blood groupings and ethnic distribution in the Greater‐Accra region of Ghana, towards effective blood bank inventory." International Journal of Immunogenetics 46, no. 2 (January 3, 2019): 67–73. http://dx.doi.org/10.1111/iji.12412.
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Lavizzari, Carlo Scollo. "Encouraging creativity through copyright protection: The 5th IPA Copyright Conference Accra, Ghana, 20–22 February 2002." Publishing Research Quarterly 18, no. 2 (June 2002): 41–49. http://dx.doi.org/10.1007/bf02687807.
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Acheampong, Anokye, and Kwaku Agyepong. "Enhancing Direct Marketing using Data Mining: A Case of YAA Asantewaa Rural Bank Ltd. in Ghana." International Journal of Computer Applications 153, no. 7 (November 17, 2016): 6–12. http://dx.doi.org/10.5120/ijca2016912092.
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Anku-Tsede, Olivia. "Microfinance intermediation: regulation of financial NGOs in Ghana." International Journal of Law and Management 56, no. 4 (July 8, 2014): 274–301. http://dx.doi.org/10.1108/ijlma-07-2012-0025.
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Purpose – This study aims to seek to fill a gap in regulatory impact assessment in developing countries by presenting an analysis of how formal regulation impact on the efficiency and productivity of financial non-governmental organisations (FNGOs) in Ghana. Much has been written about the formal financial sector, but very little is known about the lower end of microfinance and the impact of formal prudential regulation on FNGOs providing microfinance services. The Bank of Ghana (BOG), nevertheless, in the year 2011, extended formal prudential regulation to FNGOs without any empirical basis. This study uses regulatory theories and empirical evidence to aid in the evaluation of whether formal prudential regulation is appropriate for FNGOs operating within the microfinance sector. Design/methodology/approach – Empirical evidence derived from FNGOs, regulatory agents, consumers and financial lawyers within the Greater Accra and Ashanti Regions of Ghana served as the basis of the analysis in this study. Descriptive statistics, frequency counts and percentage scores, were used to analyse the data collected. Findings – The existing structures of FNGOs in Ghana are unsuitable for formal prudential regulation. The BOG does not have adequate staffing and funding to supervise and monitor the microfinance activities of FNGOs. Formal prudential regulation could impede growth and efficient delivery of microfinance services. Research limitations/implications – The BOG is the only regulatory agency responsible for regulating the financial market in Ghana, thus access to officers with knowledge in the regulatory regime was very limited. Practical implications – The study revealed in depth information about FNGOs, microfinance and the impact of formal prudential regulation on FNGOs. Originality/value – The study is the first to use empirical studies and theories of regulation to assess the impact of extending formal prudential regulation to FNGOs in Ghana. Data from the regulator, the regulated and consumers, the key players in any regulatory process, served as the basis of the analysis in the study resulting in the unravelling of in-depth information on the regulation of FNGOs.
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Yahaya, Iddrisu, Fred A. Yamoah, and Faizal Adams. "Consumer motivation and willingness to pay for “safer” vegetables in Ghana." British Food Journal 117, no. 3 (March 2, 2015): 1043–65. http://dx.doi.org/10.1108/bfj-10-2013-0296.
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Purpose – The purpose of this paper is to assess consumer motivation and willingness to pay (WTP) for “safer” vegetables from the use of non-treatment options of wastewater use in urban/peri-urban vegetable production. Design/methodology/approach – As a theoretical basis, consumer theory of maximizing utility being an indicator of individual preference was examined through choice experiment (CE) method to measure the WTP for value of safety within the context of health reduced risk (pathogen reduction) of illness. WTP was tested empirically using survey data from 650 households in the two largest cities in Ghana (Accra and Kumasi) that are characterized by a number of well-established vegetable producers who use wastewater in their production and a large urban and peri-urban vegetable consumer market. Findings – Experience of vegetable borne diseases drives the need for safer vegetables and income and gender are key demographic factors influencing WTP. It was further found that consumers are willing to pay an average amount of GH¢ 4.7 ($2.40) per month for a technology change that would result in the production of “safer” vegetables. Research limitations/implications – Understanding WTP offers insight into consumer concerns, behaviour and their readiness to pay for safer vegetable options. However, a further consideration of the impact of the combinations of the various non-treatment options on pathogen reduction and the assessment of the financial viability of each option will collectively ensure an efficient and cost-effective implementation of the technologies. Practical implications – WTP insight gained has implications for vegetable production, marketing and public health policy. The understanding from the findings forms a solid basis to canvass for certification system for urban/peri urban vegetables. The information provided also helps to formulate effective public education on the safety of vegetables. Originality/value – Measuring WTP for safer vegetables by Ghanaian urban/peri-urban consumers is novel. The CE approach is robust and the findings can inform vegetable production and marketing decisions as well as public health policy formulation.
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Joseph, Mbawuni, and Nimako Gyasi Simon. "Assessing the effect of Waiting Time Management Strategies on Waiting Time Satisfaction among Bank Customers in Ghana." Accounting and Finance Research 7, no. 1 (December 10, 2017): 179. http://dx.doi.org/10.5430/afr.v7n1p179.
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This paper empirically assesses the effect of waiting time management strategies on consumer waiting time satisfaction (WTS) in bank institutions in an emerging economy, using Ghana banking industry as the research context. Drawing from relevant banking and financial marketing literature, a conceptual framework was developed and tested using empirical data from a cross-sectional survey of 480 sampled customers of commercial banks in Ghana. Data were analysed using partial least squares structural equation modelling (PLS-SEM). The findings indicate that, with the exception of apology for delays, the key factors that influence consumer WTS are perceived compensation, waiting environment, quality of delay information and customer mind-engagement strategies. The findings offer important theoretical and managerial implications to scholars and practitioners in the banking service context. This paper provides an initial study into waiting time management in financial services context in Sub-Saharan Africa.
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Ayambire, Clement Nyaaba. "Customer- Care: Is it really impactful on Service Organizations?" International Journal of Management Excellence 10, no. 3 (April 30, 2018): 1334–47. http://dx.doi.org/10.17722/ijme.v10i3.976.
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Purpose: The purpose of the study is to investigate the impact of customer care on the profitability of service firms in the Banking Sector in Ghana.
Design/Methodology: The study adopted a mixed method approach to establish whether or not customer care program has had any impact on the operations of service organizations; where the moment of truth encounter is highly evident. An interview guide and a questionnaire were used to interview the bank manager and the customer relationship officer of Bongo Rural Bank Ltd and administered the questions on two hundred and fifty (250) customers including eight (8) employees of the bank. The books of the bank were also examined to assess the number of people who had benefited from the bank’s loan scheme.
Findings: The study found that the bank was doing an excellent work since almost all the customers were satisfied with the services of the bank; and the attitudes of its employees. The satisfied customers recommended the bank to others and hence increased the customer base and profitability.
Research Limitation: The research was limited to Bongo Rural Bank Ltd. Though the study was limited to the bank, the findings are applicable to all service financial institutions and non financial institutions in Ghana since the needs of the bank’s customers and the customers of other banks are homogeneous.
Practical Implications: The employees and other important stakeholders of banks think that customer care is the sole responsibility of the marketing department rather than all members of the entire organization. The present study encourages all organizational members to systematically think of the customer in their respective area of service since customers can call on anyone of the firm at anytime.
Originality/Value: The current empirical study makes an original contribution to the extant literature by adding knowledge of customer care in the context of service organizations, where the moment of truth is highly evident.
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Amoah, P., P. Drechsel, M. Henseler, and R. C. Abaidoo. "Irrigated urban vegetable production in Ghana: microbiological contamination in farms and markets and associated consumer risk groups." Journal of Water and Health 5, no. 3 (March 1, 2007): 455–66. http://dx.doi.org/10.2166/wh.2007.041.
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Ghana is a typical low-income sub-Saharan African country facing significant sanitation challenges. In Ghana, fresh salads are not part of the normal diet, but have become a common supplement to urban fast food served in streets, canteens and restaurants. In Accra, about 200 000 people consume from such supplements every day. The figure also describes the size of the risk group from contamination, which comprises all income classes including the poor and children. The purpose of this study was to investigate widespread water pollution in urban and peri-urban areas, where 95% of the lettuce consumed in the city is produced. Over 12 months (April 2004–June 2005), lettuce samples from the same production sites in two cities were followed and analyzed along the “farm to fork” pathway for total and faecal coliform (FC) and helminth egg numbers. Questionnaire surveys were conducted among producers, sellers and consumers to quantify lettuce flows to the final risk group. The study identified the farm as the main point of lettuce contamination. Besides the irrigation water, contamination was also attributed to manure application and already contaminated soil. Despite poor sanitary conditions in markets, post-harvest handling and marketing did not further increase the farm-gate contamination levels. To reduce the health risk associated with the consumption of contaminated lettuce; safer farming and irrigation practices are required while the remaining risk could best be addressed where lettuce is prepared for consumption.
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Blankson, Charles, Seth Ketron, and Joseph Darmoe. "The role of positioning in the retail banking industry of Sub-Saharan Africa." International Journal of Bank Marketing 35, no. 4 (June 5, 2017): 685–713. http://dx.doi.org/10.1108/ijbm-04-2016-0055.
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Purpose The purpose of this paper is to investigate employment of positioning strategies in the retail bank sector of Sub-Saharan Africa, specifically using Ghana as the study context. In addition, it explores the applicability of western-based typology of positioning strategies in the Sub-Saharan African environment. Design/methodology/approach Six retail banks – three national and three foreign – are studied, each through an in-depth case study method: covert and participant observation techniques; and face-to-face interviews of chief executive officers, marketing managers, and bank branch managers provided data for the study. Findings The results show that the “service” positioning strategy is the most popular strategy employed by retail banks. “Value for money,” “attractiveness,” “brand name,” and “country of origin” positioning strategies are also dominant. “Top of the range” and “selectivity” strategies are minimally pursued by the sample of banks studied. The results reveal that both foreign and national retail banks employ multiple positioning strategies in the face of competition. However, foreign retail banks consistently employ a; large number of strategies relative to national retail banks. This paper supports the applicability of a western-derived set of positioning strategies in the Sub-Saharan African marketplace. Research limitations/implications This study closes a gap in the understanding of positioning, as well as filling the empirical gap in the application of positioning. In addition, it helps resolve a contextual gap of knowledge in Sub-Saharan Africa’s retail banking sector. Originality/value This study responds to Porter (1996), Clancy and Trout (2002), and Knox (2004) for continued empirical research in positioning in service industries and specifically in Sub-Saharan African economies (Coffie, 2014, 2016; Coffie and Owusu-Frimpong, 2014). Moreover, this research adds value to the banking and marketing literatures through a qualitative case study method, which is an important yet overlooked research method (Yin, 2009).
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Amoako, George Kofi, Robert Kwame Dzogbenuku, and Aidatu Abubakari. "Do green knowledge and attitude influence the youth's green purchasing? Theory of planned behavior." International Journal of Productivity and Performance Management 69, no. 8 (July 29, 2020): 1609–26. http://dx.doi.org/10.1108/ijppm-12-2019-0595.
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PurposeThe paper examines the role of green knowledge and green attitude in purchasing behavior of the youth in Ghana. This study focuses on investigating how green value and green trust mediates the relationship between green knowledge and green attitude and purchase behavior of the youth in Ghana.Design/methodology/approachA quantitative approach was used. A total of 417 respondents were selected using convenient sampling method. Respondents were selected at leading shopping malls (grocery stores) in Accra the national capital of Ghana. Data was analyzed using the partial least square (PLS). Structural equation modeling (SEM) was used to investigate the relationship among the variables.FindingsThe findings indicate that there is a positive and significant relationship between green knowledge and purchasing behavior and also that there is a positive and significant relationship between green attitude and purchasing behavior. The findings revealed further that green trust do not mediate the relationship between green knowledge and purchasing behavior but green value does. The findings suggest that green value is more important in purchasing decision of the youth in Ghana than trust.Research limitations/implicationsResearch is essentially cross-sectional and longitudinal studies and can validate findings in the long term. The researchers admit that this research work which is carried out only in Ghana cannot be used to generalize an assumption for the entire youth in Africa and beyond. The sample size could be improved and the study could be conducted in other African countries for the purposes of comparison.Practical implicationsBusiness managers who are interested in sustainability of their firms and society at large can be guided by this insight that green knowledge and attitude influence purchase decisions of the youth. The findings that green trust do not mediate the relationship between green knowledge and purchasing behavior but green value does will guide managers on marketing and communication strategies especially toward the youth.Originality/valueThe model argues that the youth purchasing behavior is influenced by green knowledge and attitude. The model suggests that that green value is more important in purchasing decision of the youth in Ghana than trust. The model further points out that green trust do not mediate the relationship between green knowledge and purchasing behavior.
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Tandoh, Isaac. "Financial Products & Services Marketing to the Unbanked Population in Ghana. A Case Study of Atwima Kwanwoma Rural Bank Limited (Akrb)." TEXILA INTERNATIONAL JOURNAL OF MANAGEMENT 2, no. 1 (July 22, 2016): 20–35. http://dx.doi.org/10.21522/tijmg.2015.02.01.art004.
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Osei-Frimpong, Kofi. "Examining the effects of patient characteristics and prior value needs on the patient-doctor encounter process in healthcare service delivery." International Journal of Pharmaceutical and Healthcare Marketing 10, no. 2 (June 6, 2016): 192–213. http://dx.doi.org/10.1108/ijphm-01-2016-0005.
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Purpose Considering the increasing conceptualization of value creation, this paper aims to empirically examine the influence of pre-encounter value needs of patients on the clinical encounter process and how this impacts on their perceived experiential value, and contributes to the patient’s role in value creation in healthcare service delivery. Design/methodology/approach A model is proposed to suggest the antecedent and consequences of key elements of the patient–doctor encounter process. Following survey design approach, data collected from 332 outpatients from two clinics in Accra, Ghana, are examined through structural equation modeling using AMOS 23.0. Findings The findings reveal that patient pre-encounter value needs significantly influence key elements of the patient–doctor encounter process (care delivery approach, level of trust and shared-decision making approach). This in turn affects patient’s perceived experiential value and satisfaction evaluation. The results also suggest that patient characteristics (e.g. educational background and frequency of visit) had no significant effect on the encounter process leading to perceived experiential value; however, patient’s age had significant influence on the encounter process. Research limitations/implications This study empirically establishes a need to understand patient’s pre-encounter value needs, which fundamentally influence the patient-doctor encounter process and their perceived experiential value. However, the research only focused on the patient, which could limit the findings considering the multi-actors involved in the service delivery. Practical implications Creating value with patients suggests a need for providers to understand patient value needs or goals and adopt an approach to engage in a holistic manner that would result in positive experiences. This would empower and increase confidence of patients in consultations. Originality/value Using a quantitative research approach, this research engages in a highly focused investigation of the influence of patient’s pre-encounter value needs on key elements of the patient–doctor encounter process, which has received limited attention in the extant literature. The study also furthers our understanding of the effects of fundamental patient characteristics on encounter process and how this influence actor perceived experiential value.
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Karakara, Alhassan Abdul-Wakeel, and Evans Osabuohien. "ICT adoption, competition and innovation of informal firms in West Africa: a comparative study of Ghana and Nigeria." Journal of Enterprising Communities: People and Places in the Global Economy 14, no. 3 (June 23, 2020): 397–414. http://dx.doi.org/10.1108/jec-03-2020-0022.
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Purpose This study aims to investigate how ICT adoption enhances the innovativeness of informal firms in West Africa, using the cases of Ghana and Nigeria. Design/methodology/approach The study used the World Bank Enterprise Survey data 2014 for Ghana and Nigeria with binary logistic regression analysis to achieve this. Four different innovations are modelled. They include: first, whether a firm has innovated based on producing a new product or significantly improved product; second, whether a firm has innovated in its methods of production or services; third, whether a firm has innovated in terms of its organisational structure; and fourth, whether a firm has introduced a new and improved marketing method. Findings The results show that the use of email, cellphone and website has a positive impact on the four types of innovations modelled. However, these effects varied markedly between Ghana and Nigeria. Firms’ spending on research and development (R&D), firm giving its employees the chance to develop their ideas and when firm competes with others; all positively impact the four types of innovations. Thus, the study recommends that policies should be geared towards making firms have more access to ICTs to enable them to be more innovative to serve clients and the economy. Originality/value This study differs by concentrating on how the adoption of ICTs could help firms to introduce innovations into their companies in two West African countries, namely, Ghana and Nigeria. Thus, it complements literature on informal firms’ innovation efforts in West Africa.
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Dadzie, Kofi Q., Charlene A. Dadzie, Evelyn M. Winston, and Charles Blankson. "Inclusive Economic Development Programs and Consumers’ Access to Credit in Emerging Market Economies: The Public Policy Role of Marketing in Rural Bank Programs in Ghana." Journal of Public Policy & Marketing 32, no. 1_suppl (April 2013): 59–69. http://dx.doi.org/10.1509/jppm.12.052.
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Owusu‐Frimpong, Nana. "An evaluation of customers' perception and usage of rural community banks (RCBs) in Ghana." International Journal of Emerging Markets 3, no. 2 (April 11, 2008): 181–96. http://dx.doi.org/10.1108/17468800810862632.
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PurposeTo ascertain customers' usage level and perceptions of the image of rural community banks (RCBs) in Ghana. This research examines whether women and men differ in their levels of satisfaction and expectation about the banks' services. It also assesses the contribution of RCBs towards infrastructural development in the rural areas.Design/methodology/approachBoth desk and primary research methods were employed. Face‐to‐face interviews took place in 15 bank branches in the eastern region of Ghana. Over 170 respondents consisting of 105 males and 65 females co‐operated for this study. Analyses are presented in a statistical format using mean score and t‐test.FindingsRCBs are perceived as fairly active in rural infrastructural development, and have collaborated with NGOs to help identify, mobilise and educate rural groups in the usage and benefits of banking services. Men and women are gradually cultivating the banking culture. Both genders perceive the quality of financial advice, provision of information and service delivery as areas that need significant improvement. There are no significant differences between both genders in their perceptions and expectation of the banks services.Research limitations/implicationsThe sample size was limited to only one part of Ghana and may not be entirely representative.Practical implicationsThis study provides a meaningful insight into consumer behaviour in rural banking sector and useful platform for future studies in marketing of financial services in a developing country context.Originality/valueThe study is unique in that it looks at a rural banking service provision in a sub‐Sahara African country, a setting that markedly differs from the traditional high street banks sectors in the developed world. The results will enable financial service providers to consider the changing needs and wants of RCBs customers.
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Rampalli, Krystal, Christine Blake, Edward Frongillo, Kenneth Erickson, and Amos Laar. "Perspectives of Urban Ghanaian Adolescents on Healthy Eating Habits." Current Developments in Nutrition 5, Supplement_2 (June 2021): 564. http://dx.doi.org/10.1093/cdn/nzab043_016.
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Abstract Objectives Adolescents are vulnerable to diet-related health risks as they experience major life changes alongside food environment changes. In Ghana, non-communicable diseases (NCDs) are rising, and there is a need to understand what, how and why adolescents eat the way they do. This study explored perspectives of adolescents about healthy and unhealthy eating and relationships to portion sizes. Methods The Measurement, Evaluation, Accountability, and Leadership Support for NCDs (MEALS4NCDs) Project is measuring the nature and extent of unhealthy food marketing to support public sector actions to create healthier food environments for Ghanaian children. In July-August 2020, 48 interviews with students (14–17 years old) in six districts across the Greater Accra Region were conducted in schools. Interviews were done in English, audio recorded, and transcribed verbatim. Transcripts were coded with NVivo12 using a thematic analysis. Results All students demonstrated basic nutrition knowledge and conceptualized healthy eating as “not eating too much”, “a balanced diet,” “not eating late,” and “not eating cold foods.” Connections between NCDs and consumption of foods high in fat, sugar, and salt were rarely made. All students consumed items contrary to what was described as a healthy diet. Students expressed food safety as indicative of healthy food, emphasizing food prepared in a “hygienic environment by a hygienic person,” “a hot temperature,” and “covered.” Participants did not understand portion sizes beyond “too much of anything is bad” and most stated contexts where they would consume smaller or larger portion sizes, such as around strangers (less) or unsure of next meal (more). Participants admitted that peer pressure and food advertising claims informed their food choices and showed minimal knowledge of marketing tactics. Students voiced their limited agency in food choice decisions, citing financial and cultural constraints. Conclusions Students had some nutrition knowledge but limited agency to apply it in daily food choices. Interventions should include educating students and parents on diet-related NCDs and deceptive marketing tactics that promote unhealthy foods. Funding Sources International Development Research Centre's Food, Environment & Health Programme, IDRC-Canada. Office of the Vice President for Research, University of South Carolina.
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Anh, Nguyen Hoang, and Hoang Bao Tram. "Policy Implications to Improve the Business Environment to Encourage Female Entrepreneurship in the North of Vietnam." VNU Journal of Science: Economics and Business 33, no. 5E (December 28, 2017). http://dx.doi.org/10.25073/2588-1108/vnueab.4078.
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Abstract: Nowadays, Vietnamese women are participating actively in parts of the economy that were previously deemed male domain. Women are involved in business activities at all levels in Vietnam, making significant contributions to the economic development of the country. By December 2011, there were 81,226 small and medium enterprises headed by women, accounting for 25% of the total number of enterprises in the country (GSO, 2013). In Vietnam, despite recent economic development, socio-cultural and legal barriers are still very difficult for women since the general perception in society is that a woman’s main duty is to be a good housewife and mother and they are also often perceived as weak, passive and irrational (VWEC, 2007). Even though the studies related to women entrepreneurship development are quite extensive, amongst them only a limited number of researches on the role of legal and socio - cultural barriers on women entrepreneurs in the context of Vietnam have been investigated. Thus, supported by the World Trade Institute (WTI) in Bern, Switzerland, the researchers have chosen this as the subject of this study. Based on a quantitative survey of 110 companies in Hanoi and adjacent areas, the research has taken legal and socio - cultural barriers and explored their effect on the development of women entrepreneurship in the context of Vietnam in order to indicate how women entrepreneurs perceive the impact of socio-cultural factors, economic impacts, and policy reforms on their entrepreneurial situations and initiatives, and to then provide policy implications for promoting women’s entrepreneurship and gender equality in Vietnam.
Keywords
Entrepreneurship, female entrepreneurs, gender equality, Vietnam
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lity in Vietnam.
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Adjei, Joseph Kwame, William Nii Ayettey Obubuafo-Ayettey, and Peter Ebo Tobbin. "Understanding Customers Perception of ATM Data Integrity." Nordic and Baltic Journal of Information and Communications Technologies, February 6, 2020. http://dx.doi.org/10.13052/nbjict1902-097x.2020.008.
Full textAbstract:
In spite of the numerous studies exploring customers’ perception of their banks, there is limited understanding of customers’ perceptions of Automated Teller Machines (ATM) data integrity issues. We therefore sought to understand customers’ perception of data integrity issues in ATM using Ghana Commercial Bank as case study. The objective was to understand the extent to which customers’ perception of ATM data integrity affect their relationship with the bank. Thus, the main research question is “To what extent is ATM data integrity issues affecting how customers transact business with the bank? The Adenta branch of Ghana Commercial Bank in Accra was used as case study. A Qualitative research approach was adopted given the exploratory nature of this study. Empirical data were gathered using a combination of observations and interviews. The informants were selected via purposive sampling technique. The study has shown that fairness expectation, assured customer delight, well-structured media post and settled perception of customer delight are the major factors that affect customers’ perception of ATM data integrity.
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Kankam, George. "Customer Retention at Republic Bank in Ghana: A Marketing Perspective." Journal of Economics and Business 3, no. 4 (December 30, 2020). http://dx.doi.org/10.31014/aior.1992.03.04.293.
Full textAbstract:
In today's highly competitive environment, customer retention is an essential aspect of every banking strategy. The study explores the retention factors that affect the choices of consumers to remain with the Republic Bank in Ghana. The correlation research design was used for the study within which the simple random sampling technique was used. Data were obtained through self-administered questionnaires to 480 customers of the bank. Correlation and multiple regression techniques were used to examine the relationships between customer satisfaction, service quality, customer trust, customer commitment and switching barrier factors and customer retention. The findings revealed a strong positive relationship between switching barrier, customer commitment and customer retention. The study therefore, recommended that Management should pay attention to customer commitment by investing more into customer relationship management that can increase customers’ dependency and inhibit switching.