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1
Vlcek, William. "Offshore finance in Ghana: why not?" Review of African Political Economy 38, no. 127 (March 2011): 143–49. http://dx.doi.org/10.1080/03056244.2011.552704.
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Tan, Zhongming, Krobea Asante Emmanuel, and Guoping Ding. "Assessing Factors Affecting Formal Finance to Farmers in Ghana: Empirical Evidence of Sunyani West District." Business and Economic Research 9, no. 2 (May 30, 2019): 169. http://dx.doi.org/10.5296/ber.v9i2.14861.
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Farmers in Ghana plays a key role in increasing food supplies and a sector that contributes major to the country’s gross domestic, yet they tend to have little or no access to formal credit finance. The study seeks to examine financial barriers that limit farmer’s access to formal finance. The study utilized multiple regression model to validate the relationship between formal finance and financial barriers.The empirical results shows that statistically barrier factors positively affect farmer's access to formal finance (FF). It effects on formal finance is significant. Therefore, Ministry of Food and Agricultural and Ghana Cocoa board, stakeholders and other nonprofit organizations in Ghana, should discover and liaise with formal financial institutions to mount good packages to support famers in rural communities in Ghana irrespective of these barriers.
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Amo Yartey, Charles. "Small business finance in Sub‐Saharan Africa: the case of Ghana." Management Research Review 34, no. 2 (January 25, 2011): 172–85. http://dx.doi.org/10.1108/01409171111102795.
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PurposeThis paper aims to examine how unlisted companies in Ghana finance their growth and to what extent do they rely on internal finance relative to external sources of finance. Additionally, the paper seeks to investigate the determinants of the capital structure of unlisted companies in Ghana.Design/methodology/approachThe paper uses the Singh‐Hamid methodology as well as panel data techniques to evaluate the financing decisions of unlisted companies in Ghana.FindingsThe analysis shows that unlisted firms in Ghana finance most of their growth from external debt and they are also characterized by shorter debt maturity. The results also show that the dominant factors affecting the debt equity ratios of unlisted firms in Ghana are size, firm growth, tangibility, profit margin, and financial development.Research limitations/implicationsOverall, the evidence in this paper suggests that standard models of corporate finance can be applicable to unlisted companies in Ghana.Practical implicationsInformative when planning for future development of the small business sector of the Ghanaian economy.Originality/valueProvides empirical evidence on how unlisted companies in Ghana finance their growth and what determines their capital structure.
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Carsamer, Emmanuel. "Customer banking rights awareness in Ghana." Banks and Bank Systems 13, no. 2 (July 2, 2018): 141–52. http://dx.doi.org/10.21511/bbs.13(2).2018.12.
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The purpose of this paper is to investigate the determinants of customer banking right awareness regarding banking products and services in Ghana. A survey of 569 bank customers was conducted in Metropolitan Assemblies in Ghana, using a structured questionnaire with Likert-type questions. Customers were conveniently intercepted as they walked out of universal banks. Ordered probit estimation technique was used to test the research hypotheses. The study revealed that whilst bank variables (duration and number of visits) improve customers’ knowledge on bank products and services, demographic factors (age, marriage, income) enhance the level of awareness customers have with regards to bank products and services. The study also revealed that education reduces it in Ghana. Sources of information such as banking exhibitions and fairs, family and mass media improve customer banking right awareness, however, bank staff negatively affect awareness level. The study advises banks to pay particular attention to sources of information, especially bank staff, bank brochures, mass media, exhibitions and fairs. Also, age and income segment of customers should be considered when attempting to improve customer banking right awareness for satisfactory service delivery.
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Ampofo, Justice Agyei. "THE NATURE OF MORTGAGE REPAYMENT PLANS IN GHANA." Finance & Accounting Research Journal 2, no. 3 (September 1, 2020): 91–104. http://dx.doi.org/10.51594/farj.v2i3.150.
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Mortgage finance is one source of capital that cannot be ruled out when it comes to housing finance. It has globally aided many countries in terms of housing finance. A country’s housing finance system can work effectively if there is/are mortgage repayment plan(s) that would ensure flexibility in repayment of mortgage loans and encourage supply and demand for mortgage products. The study sought to find out the types and nature of mortgage repayment plans in Ghana. All the financial institutions which were into mortgage banking constituted the sample. The result shows that fixed rate method is the commonest method used in Ghana and other repayment plans have evolved from the fixed rate repayment plan. Exchange rate fluctuations, high interest rates and high house prices result in higher initial monthly mortgage repayment using the fixed rate repayment plan. It is recommended that mortgage lending institutions should reduce their interest rate for low middle income earners in Ghana to qualify for mortgage.
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Abor, Joshua, and Nicholas Biekpe. "SMEs' Access to Debt Finance." International Journal of Entrepreneurship and Innovation 7, no. 2 (May 2006): 105–12. http://dx.doi.org/10.5367/000000006776928627.
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This study compares the use of external debt finance by male-and female-owned small and medium-sized enterprises (SMEs) in Ghana to determine whether female-owned firms are less likely to use debt as a source of financing their operations. The results indicate that the capital structure of SMEs is influenced by the legal form, location, size, age and profitability of the firm and the educational background and gender of the entrepreneur. They also suggest that female-owned SMEs are significantly less likely to employ debt finance. The findings seem to support the notion that there is adverse discrimination in the lending process, placing women at a disadvantage. Females may not be able to penetrate informal networks as well as males, which clearly could affect their ability to gain access to useful information and sources of capital. Also, female-owned firms tend to be small sole-proprietorship businesses; thus, they may lack the necessary collateral to qualify them for debt finance. There is generally high conformity in the results of this study with similar studies in other parts of the world. Recommendations are given to help promote female-owned SMEs in Ghana.
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Addai Boamah, Nicholas. "The regulatory environment and housing finance market in Ghana." Property Management 29, no. 5 (October 18, 2011): 406–22. http://dx.doi.org/10.1108/02637471111178100.
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Owusu and E. Badu. "Determinants of contractors' capital investment finance strategy in Ghana." Journal of Financial Management of Property and Construction 14, no. 1 (April 17, 2009): 21–33. http://dx.doi.org/10.1108/13664380910942626.
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Boohene, Rosemond. "Entrepreneur’s Social Capital and Firm Growth: The Moderating Role of Access to Finance." Journal of Enterprising Culture 26, no. 03 (September 2018): 327–48. http://dx.doi.org/10.1142/s0218495818500127.
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Social capital and access to finance have been identified as key resources that influence the growth of small firms however, these variables have rarely been studied. This paper, therefore, examines the relationship between social capital and firm growth with access to finance as a moderating role. 250 small firms in the Kumasi Metropolis in Ghana were used for the study. Structural Equation Modelling using Partial Least Square (PLS) was used to analyze the data collected using area sampling. The results indicated that social capital does not directly influence firm growth. In addition, access to finance does not moderate the relationship between social capital and firm growth. However, a positive relationship was found between social capital and access to finance. Access to finance and firm growth, though significant, had a negative relationship. It is recommended that since social capital influences the capability to access finance, entrepreneurs should be encouraged to build more relationships within their networks. Moreover, government agencies and financial institutions should devise strategies that will reduce the interest rates so that though these small firms in Ghana can access finance, the high interest rates will not erode the gains they may achieve in the long run.
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Di, Henry. "GHANA." International Social Security Review 50, no. 2 (April 1997): 63–71. http://dx.doi.org/10.1111/j.1468-246x.1997.tb01067.x.
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Anning, Lucy, Collins Frimpong Ofori, and Ernest Kwame Affum. "The Impact of Government Debt on the Economic Growth of Ghana: A Time Series Analysis from 1990-2015." International Journal of Innovation and Economic Development 2, no. 5 (2015): 31–39. http://dx.doi.org/10.18775/ijied.1849-7551-7020.2015.25.2004.
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In this study we investigate the impact of government debt on the economic growth of Ghana adopting the methodology of the simple Ordinary Least Squares with data spanning from 1990 to 2015. Ghana has unfortunately found itself in the tragic situation of high external government debt which has led to high dependency on aid and other loans to support its development. These aids and loans have seen the debt of Ghana rise steadily over the years. As a result of the Heavily-Indebted Poor Countries (HIPC) which was presented by the IMF and World Bank in 1999, Ghana was judged to be a HIPC with unsustainable debt enabling the country to benefit from debt relief. We investigate the impact of government debt (both external and domestic) by testing three related models at the domestic and external levels including the general growth of the Ghanaian economy. In constructing our dataset, we build on the study of many scholars including a substantial amount of new materials from both primary and secondary data sources being Ministry of Finance (MOF) or Treasury Latest actual data: Government Finance Statistics Manual (GFSM), Ghana and World Bank. The research findings revealed that there is a negative relationship between debt (domestic and external) and growth in the economy of Ghana and recommend among others that government debt borrowing should be discouraged while increasing the revenue base through tax reform programs is encouraged.
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Kerzabi, Abdelatif, and Nawal Chemma. "The Social Issue in the Company." INTERNATIONAL JOURNAL OF INNOVATION AND ECONOMIC DEVELOPMENT 5, no. 1 (2019): 37–43. http://dx.doi.org/10.18775/ijied.1849-7551-7020.2015.51.2003.
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In this study, we investigate the impact of government debt on the economic growth of Ghana adopting the methodology of the simple Ordinary Least Squares with data spanning from 1990 to 2015. Ghana has unfortunately found itself in the tragic situation of high external government debt which has led to high dependency on aid and other loans to support its development. These aids and loans have seen the debt of Ghana rise steadily over the years. As a result of the Heavily-Indebted Poor Countries (HIPC) which was presented by the IMF and World Bank in 1999, Ghana was judged to be a HIPC with unsustainable debt enabling the country to benefit from debt relief. We investigate the impact of government debt (both external and domestic) by testing three related models at the domestic and external levels including the general growth of the Ghanaian economy. In constructing our dataset, we build on the study of many scholars including a substantial amount of new materials from both primary and secondary data sources being Ministry of Finance (MOF) or Treasury Latest actual data: Government Finance Statistics Manual (GFSM), Ghana and World Bank. The research findings revealed that there is a negative relationship between debt (domestic and external) and growth in the economy of Ghana and recommend among others that government debt borrowing should be discouraged while increasing the revenue base through tax reform programs is encouraged.
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Osei-Assibey, Eric. "Source of finance and small enterprise's productivity growth in Ghana." African Journal of Economic and Management Studies 4, no. 3 (September 16, 2013): 372–86. http://dx.doi.org/10.1108/ajems-03-2012-0017.
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Amartey, Larry Amartei, Mei Yu, and Osita Chukwu-lobelu. "Corporate governance in Ghana." Journal of Financial Regulation and Compliance 27, no. 2 (May 13, 2019): 126–40. http://dx.doi.org/10.1108/jfrc-12-2017-0111.
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Purpose This study aims to examine the mechanisms that were being used to enhance board accountability of Ghanaian listed banks, and how board accountability can be improved. Design/methodology/approach The 2011 and 2016 annual reports of listed banks on the Ghana Stock Exchange were examined, and a survey questionnaire was sent to board members of nine banks. Findings The results show that the directors of Ghanaian listed banks prioritise a shareholder approach to accountability, with a shift towards stakeholders. Audit committees, external audits and internal audits were the main mechanisms used by these banks to enhance board accountability. Some of these mechanisms were not used effectively by a number of these banks. Practical implications Board accountability can be improved by appointing very competent people to the board, the national adoption of a mandatory code of corporate governance, regular rotation of external auditors and requiring non-executive directors to stand for re-election more frequently. Our research identifies weaknesses of accountability mechanisms and offers timely recommendations for banks and regulators to build stronger corporate governance systems. Originality/value This study obtained valuable opinions of the boards of directors, provides insights on boards of Ghanaian listed banks and contributes to the literature of corporate governance and accountability in Africa.
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Mohammed, Umar. "Effect of Ponzi schemes on a country: the case of Ghana." Journal of Financial Crime 28, no. 3 (July 15, 2021): 926–39. http://dx.doi.org/10.1108/jfc-09-2020-0177.
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Purpose This paper aims to examine the nature and operations of the two main Ponzi schemes (DKM Diamond Micro Finance Company and Menzgold Company Limited). It explores how such dubious schemes were able to circumvent financial regulatory bodies and their impact on the social, political and economic spheres of Ghana. Design/methodology/approach The paper adopts both quantitative and qualitative research approaches and relies on secondary sources of data from the Bank of Ghana, World Bank and textbooks, etc. Findings It was found out that inadequate supervisory role by financial regulators was a factor that made these schemes thrive in Ghana which had dire consequences on the socio-economic of the country. Originality/value This is the first paper that explores the major Ponzi schemes in Ghana.
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Donkor-Hyiaman, Kenneth Appiah, and Kenneth Nii Okai Ghartey. "Legal origins and mortgage finance contradictions." International Journal of Housing Markets and Analysis 10, no. 1 (February 6, 2017): 156–79. http://dx.doi.org/10.1108/ijhma-03-2016-0019.
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Purpose This study aims to examine why Ghana has English legal origins (hypothesised as a legal framework that promotes financial development) but has not developed a well-functioning mortgage finance market. Design/methodology/approach The authors adopt the institutional autopsy approach developed by Milhaupt and Pistor (2008). This study is not a cross-country study but a historical examination of Ghana’s mortgage finance regulatory framework. The institutional autopsy framework considers the iterative process of change in a system and allows for context-specific system analysis. Findings The authors note that for a long period of about 68 years (1940-2008), some of the legal rules regulating mortgage finance were not typical of the hypothesised characteristics of the English common law tradition. These rules, including, interest rate controls, excessive entry barriers, loan default guarantee discriminations and complex foreclosure procedures, tended to inadequately protect creditors. In the context of the history of military rule and law-making, judicial discretion that could have promoted legal efficiency and strengthened contract enforcement was also limited. During this period, the legal system demonstrated a concentrated and coordinative character. New legislation in the form of the Home Mortgage Finance Act 2008 (Act 770) attempts to resolve some of these bottlenecks and improve creditor rights protection. Research limitations/implications The study focuses solely on how the legal institution affects creditor protection and mortgage finance in Ghana. Practical implications Policy-wise, the study deepens the understanding of the channels through which the law affects the development of mortgage finance. Originality/value To the best of the authors’ knowledge, the methodology used (institutional autopsy) is novel in the context of analysing mortgage finance.
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Ankamah, Samuel Siebie, and Feng Yao. "Evaluating the Effectiveness of Local Revenue Mobilization in Kumasi, Ghana." Lex localis - Journal of Local Self-Government 11, no. 3 (July 1, 2013): 431–51. http://dx.doi.org/10.4335/11.3.431-451(2013).
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The paper evaluates the effectiveness of local revenue mobilization in the Kumasi Metropolitan Assembly (KMA), Ghana. The indicators for the evaluation included the Revenue Performance Index (RPI), Financial Autonomy Index (FAI) and Local Finance Support Index (LFSI). Both the primary and secondary sources of data were used as well as the employment of quantitative and qualitative data analysis methods. The paper reveals that KMA depends more on transfers to finance its development. There is therefore the need for the assembly to outline pragmatic measures to increase its Internally Generated Fund (IGF).
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Bawuah-Edusei, Kwame. "Commentary: An African Perspective on the Doha Round Negotiations." Global Economy Journal 5, no. 4 (December 7, 2005): 1850076. http://dx.doi.org/10.2202/1524-5861.1163.
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An African commentary on the Doha Development Round. Kwame Bawuah-Edusei is Ambassador of Ghana to Switzerland and Austria and Permanent Representative of Ghana to the UN offices and international organizations in Geneva, including the WTO. He obtained his MD degree in 1982 at the University of Science and Technology, School of Medical Sciences, Kumasi Ghana, worked in Ghana for two years, and later studied in the United States. He specialized in Family Medicine at Howard University Hospital, Washington DC, and worked as a physician for the Dewitt Army Hospital in Fort Belvoir, Virginia. He subsequently practiced at Educe Medical Center in Alexandria, Virginia. During this period he was active in promoting business in his native Ghana and extensively involved in humanitarian work in the deprived Northern part of his country. He became a community leader in North America and was instrumental in institutionalizing democracy in Ghana. He became a Director of the EO group, an energy Company, and President of Educe Incorporated in Ghana.
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Ametefe, Frank, A. Q. Q. Aboagye, and E. Sarpong‐Kumankoma. "Housing and construction finance, deposit mobilisation and bank performance in Ghana." Journal of Property Research 28, no. 2 (June 2011): 151–65. http://dx.doi.org/10.1080/09599916.2010.538478.
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Bashiru Jibril, Abdul, Michael Adu Kwarteng, Miloslava Chovancová, and Jurgen Bode. "Do socio-economic factors impede the engagement in online banking transactions? Evidence from Ghana." Banks and Bank Systems 15, no. 4 (October 21, 2020): 1–14. http://dx.doi.org/10.21511/bbs.15(4).2020.01.
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Researchers have long pondered on the online banking transaction adoption. Some of these studies focus primarily on the motivating factors that affect customers’ intention to adopt/accept these services (technologies). However, research into the constraining factors, in particular socio-economic factors, barely exist in the literature, especially in the context of sub-Saharan Africa. Against this background, the paper seeks to fill in this gap by: (1) assessing the socio-economic factors impeding the engagement of e-banking transactions among retail bank customers in Ghana, and (2) examining the moderating effect of ‘customer experience of Internet’ on the identified factors that inhibit the engagement in online banking in Ghana. The paper used a quantitative research approach to obtain data from two leading Ghanaian banks. Out of the 450 questionnaires distributed, 393 were valid for analysis. Data were analyzed with the aid of PLS-SEM (partial least squares and structural equation modeling). Findings revealed that perceived knowledge gap and the price of digital devices were directly important to the intention to disembark on e-banking transactions among Ghanaian bank customers. Whilst customer experience (frequent use of the Internet), as a moderator variable, has a significant effect on the interaction between perceived knowledge gap and the intent to disembark on e-banking transactions; and finance charges and the intent to disembark on e-banking transactions. Study implications and directions for future research are discussed in the paper. AcknowledgmentThis work was supported by the Internal Grant Agency of Tomas Bata University under the Projects no. IGA/FaME/2019/008 and IGA/FaME/2020/002. The authors would like to extend their appreciation to Prof. Boris Popesko (Vice-dean for Research and Business Liaison) at the Faculty of Management and Economics for facilitating the financial readiness of this project.
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Mabe, Joshua Biliwi, and Elias Danyi Kuusaana. "Property taxation and its revenue utilisation for urban infrastructure and services in Ghana." Property Management 34, no. 4 (August 15, 2016): 297–315. http://dx.doi.org/10.1108/pm-07-2015-0033.
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Purpose – The purpose of this paper is to discuss property taxation and examine the extent of its contribution to financing urban infrastructure/services in Ghana. Dwelling on existing literature, it analyses the contribution of property tax to local level internally generated funds (IGF) and expenditure on urban infrastructure/services financed from IGF. Design/methodology/approach – Using a case study approach with a combination of both quantitative and qualitative research, this research was carried out in the Sekondi-Takoradi metropolis in the Western region, Ghana based on its economic and social diversity, business and economic opportunities and different land tenure systems. Data were collected through expert interviews and questionnaires, with a baseline study from 2006 to 2013. To check the veracity of data, triangulation of data were adopted. Findings – The study revealed that property rate accounted for 28 per cent of IGF of the Sekondi-Takoradi Metropolitan Assembly (STMA). This revenue was expended mostly on waste management, education, social services, street lights and health facilities. For the period between 2006 and 2013, property rates revenue alone was able to finance not less than 84 per cent of total expenditure from IGF. It was estimated that if the challenges to property taxation were resolved in Ghana, the tax could finance the entire annual IGF budget of the STMA on urban infrastructure and services over and above the expended expenditure with a surplus margin of 13 per cent. Practical implications – This paper makes available empirical evidence of property tax contribution to IGF of STMA that could stimulate and enhance revenue mobilisation of other local government authorities. Debate on property tax revenue contribution towards financing urban infrastructure/services is also stimulated. Originality/value – There exist many researches on property tax, however, none of these studies have examined the exact contributions of property rating revenue in financing urban infrastructure and services. This paper is the product of the original research conducted in Sekondi-Takoradi metropolis.
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Oppong, Felix. "An analysis of the impact of jurisdictional fragmentation on property taxes in Ghana." Journal of Financial Management of Property and Construction 26, no. 2 (January 21, 2021): 219–35. http://dx.doi.org/10.1108/jfmpc-07-2020-0048.
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Purpose Following decades of weak financial capacity of local governments in raising enough revenues to finance their budgets, this paper aims to examine the impact of jurisdictional fragmentation on property taxes in Ghana. Since independence in 1957, many local governments in Ghana are yet to build their fiscal capacity to collect enough own source revenues to support their local budgets. All local government laws in Ghana have assigned property taxes to local governments. Design/methodology/approach The paper uses quantitative econometric techniques with local level panel data from 2010 to 2016 to examine the impact of fragmenting assemblies in Ghana. Findings The paper finds that fragmenting local governments have an overall negative effect on property taxes in district assemblies in Ghana. However, fragmentation of metropolitan assemblies has an overall positive effect on property taxes, relative to district assemblies. In the case of municipal assemblies, fragmentation has a net positive effect on property taxes but an overall marginally negative effect, relative to district assemblies. Also, the paper finds that grants, capital expenditure and administrative expenditure of local governments do not impact on the collection of property tax revenues in all types of assemblies in Ghana. Originality/value The paper concludes that relative to metropolitan assemblies, fragmenting districts assemblies is not congruent with government efforts to promote the collection of property taxes in Ghana.
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Baytas, Ahmet, and Farahmand Rezvani. "Natural resource accounting in Ghana." Atlantic Economic Journal 22, no. 2 (June 1994): 96. http://dx.doi.org/10.1007/bf02310202.
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Donkor-Hyiaman, Kenneth Appiah, and DeGraft Owusu-Manu. "Another look at housing finance in Africa." International Journal of Housing Markets and Analysis 9, no. 1 (March 7, 2016): 20–46. http://dx.doi.org/10.1108/ijhma-11-2014-0048.
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Purpose – Most households in Sub-Saharan African cannot afford adequate housing. Most often, their pension benefits are also meagre, usually resulting from low contribution levels and mismanagement. Coupled with low life expectancies, most would not live to enjoy the benefits of pensions, thus validating the need to utilize their hitherto deferred pension benefits for immediate housing investment and consumption. Design/methodology/approach – Quantitative research methodology via the present value technique was used in valuing pension benefits to demonstrate the potential of pension schemes as savings mobilization mechanisms for long-term pension-backed housing financing in Ghana. Findings – Policy wise, the paper provides some evidence to support proposals for the development of pension-backed housing finance systems in Ghana with lessons for Sub-Saharan Africa. The authors demonstrate that the Tier 2 defined contribution mandatory occupational pension scheme could serve the purpose of a savings mobilization mechanism for long-term housing financing. The authors observe that by increasing the Tier 2 contribution rate to 30 per cent, the majority of the sample, mainly of the middle-income class, could accumulate between US$11,000 and US$17,000 over their working life. At the same rate, between US$5,783 and US$9,550 could have been raised as savings between 2010 (when implementation began) and 2014. This could form a substantial equity contribution in a mortgage investment and or borrowed on a housing microfinance basis. Originality/value – The paper contributes to the ongoing debate on the need to develop alternate savings mechanisms and collateral assets using pension assets, other than property, for mortgage financing. The proposals made are aimed at influencing policy by way of advocating for the use of latent pension equity to improve the housing conditions of members while they are alive, and also to suggest pension-backed housing financing as an alternative investment option. A comprehensive study would be required to settle issues of scalability, pricing and model design.
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Abor, Joshua, and Nicholas Biekpe. "Small Business Reliance on Bank Financing in Ghana." Emerging Markets Finance and Trade 43, no. 4 (August 2007): 93–102. http://dx.doi.org/10.2753/ree1540-496x430405.
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Marx, Johan, and Ronald Henry Mynhardt. "Towards an implementation framework for governance in the Ghanaian securities trading industry." Qualitative Research in Financial Markets 13, no. 3 (April 11, 2021): 342–58. http://dx.doi.org/10.1108/qrfm-04-2020-0061.
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Purpose The purpose of this paper is to propose an implementation framework for governance in the Ghanaian securities trading industry. Design/methodology/approach A qualitative research approach was followed, using participatory action research (PAR) by involving stakeholders from the Ghanaian securities trading industry. Findings A governance framework for the Ghanaian securities trading industry is proposed, taking into account the regulatory environment of Ghana, the role of ethical leadership, boards of directors, audit committees, the governance of risk, information technology and internal audit. Research limitations/implications This study used PAR because it is a recognised research methodology aimed at problem resolution, knowledge creation and improving professional practice, through the involvement of the interest group. This paper provides a starting point – a practical solution for the securities industry of Ghana, but not generalisable results. Practical implications Applying the governance framework will create safeguards against corruption and mismanagement, promote transparency in economic life and assist Ghana in attracting investment, ultimately lowering its cost of capital and contributing to economic growth and development in the country. Social implications The implementation of the governance framework will benefit all stakeholders (employees, suppliers and the community at large) as a result of a culture conducive to influencing behaviour, strategy planning and implementation, as well as corporate results and financial sustainability. Originality/value The use of PAR assists the practitioners from the Ghanaian securities trading industry in improving their competencies (knowledge, skills, values and attributes) whilst generating a workable solution for their current governance challenges.
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Otoo, Henry, Sampson Takyi Appiah, Albert Buabeng, and M. Apodei. "Testing Causality and Cointegration of Savings and Investment In Ghana." European Journal of Engineering Research and Science 5, no. 2 (February 10, 2020): 132–37. http://dx.doi.org/10.24018/ejers.2020.5.2.1734.
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This paper sought to identify the causal relationship between saving and investment in Ghana as these econometric indicators serve as a measure for the economic development and wellbeing of developing countries. Annual time series of Saving and Investment in Ghana spanning from 1980 to 2017 were considered. First, the Augmented Dickey-Fuller (ADF) and the Elliott-Rothenberg-Stock (ERS) tests are carried out to determine the integration order of saving and investment data series. The Johansen's trace and maximum eigenvalue tests for cointegration were performed to ascertain the level of cointegration which suggested a long-run relationship between the saving and investment in Ghana despite potential deviations in the short-run. Finally, the Granger Causality test suggested saving as having a causal relationship with investment, while the reverse indicated no relationship. The study, therefore, recommended intensifying saving, both at the national and household level as a crucial direction for consideration if Ghana intends to finance her investments rather than relying mostly on foreign aid.
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Kuranchie-Pong, Lydia, Godfred Alufa Bokpin, and Charles Andoh. "Empirical evidence on disclosure and risk-taking of banks in Ghana." Journal of Financial Regulation and Compliance 24, no. 2 (May 9, 2016): 197–212. http://dx.doi.org/10.1108/jfrc-05-2015-0025.
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Purpose This paper aims to empirically examine the relationship between disclosure and risk-taking of banks in Ghana. The study also aims to gain an insight into the general risk-taking behaviour of banks in Ghana for the period 2007-2011. Design/methodology/approach The study used panel regression model and relate risk-taking to disclosure, controlling for bank size, profitability, liquidity and treasury bill rate. Disclosure scores from a disclosure index are used as a measure of disclosure, likewise Z-score as a measure of total risk. Also, the ratio of provisions for loan losses to gross loans by each bank for each year was used to examine the general risk-taking behaviour of Ghanaian banks. Findings The study revealed that the election year and the immediate subsequent year are characterized by an increase in non-performing loans. Greater disclosure is associated with more risk-taking and vice versa. This implies that market discipline is not effective in Ghana. Treasury bill rate, profitability and liquidity were found to be economically meaningful and statistically significant in influencing risk-taking of banks in Ghana. Originality/value As there are relatively few studies conducted in this area, specifically among banks in Ghana, this study will broaden the scope of the literature on disclosure and risk-taking by providing empirical evidence.
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Weiss, Holger. "REORGANISING SOCIAL WELFARE AMONG MUSLIMS: ISLAMIC VOLUNTARISM AND OTHER FORMS OF COMMUNAL SUPPORT IN NORTHERN GHANA." Journal of Religion in Africa 32, no. 1 (2002): 83–109. http://dx.doi.org/10.1163/15700660260048483.
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AbstractDuring the second half of the twentieth century the contribution of Muslim NGOs in providing basic social welfare became a significant feature in Ghana. However, none of the Muslim NGOs are able to finance their projects themselves but rely on foreign financial assistance. On the other hand, Ghanaian Muslim scholars have argued for the need to develop zakāt, the locally collected obligatory alms, into a fully-fledged welfare system. At the moment, this is not the case. On the other hand, there exists a local tradition of mutual support and tributary relations in Ghana, which is at least by some Muslims identified as being as efficient in providing social welfare. This article discusses the link between communal support and the provision of social welfare through Muslim NGOs and especially zak t in today's Northern Ghana.
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MacCarthy, John, and Helena Ahulu. "Does Capital Structure Affects Firms’ Performance in Ghana? Panel Data Analysis." Accounting and Finance Research 8, no. 4 (October 14, 2019): 131. http://dx.doi.org/10.5430/afr.v8n4p131.
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This paper examines the effect of capital structure on the firms’ performance. The study collected data from seventeen firms listed on the Ghana Stock Exchange from 2009 to 2018. A quantitative research technique is used to collect data to test two hypotheses. Panel data regression is employed to determine the effect of capital structure on firms’ performance. The study revealed that short-term debt and total debt accounted for 67% and 76.3% respectively of capital used to finance the operations for the period. Furthermore, the study revealed that there is significant and negative relationship between capital structures and firms’ performance. The study concludes that firms should minimise the use of debt capital and rather concentrate on equity capital to finance their operations. The study recommends that firms should increase sales and invest in tangible assets to maximise the firms’ performance.
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Arku, Cynthia, and Frank S. Arku. "More money, new household cultural dynamics: women in micro-finance in Ghana." Development in Practice 19, no. 2 (April 2009): 200–213. http://dx.doi.org/10.1080/09614520802689469.
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Batinge, Bibiana K., and Hatice Jenkins. "Gender and Poverty Reduction in Ghana: The Role of Microfinance Institutions." International Journal of Economics and Finance 13, no. 8 (July 25, 2021): 71. http://dx.doi.org/10.5539/ijef.v13n8p71.
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Inequality between men and women is widely acknowledged across many parts of the globe. For example, among paid employees in Ghana, women’s average hourly earnings were around 67% of men. The disparity in earnings perpetuates poverty. Access to financial resources is widely regarded as crucial machinery to addressing this gender disparity and reducing poverty among women. Microfinance is a conduit to increasing access to finance among poor urban and rural women who usually lack the collateral to access loans from traditional financial institutions. Notwithstanding the vital role microfinance institutions play, there is no consensus on the assertion that its impact is generally favourable. Therefore, this study investigated the role of microfinance on health, education, and standard of living, as dimensions of poverty reduction in the Techiman Municipality of Ghana. The results indicate that access to microfinance services positively correlates to health, education, living standards and poverty reduction. Therefore, it is essential to extend the reach of microfinance services to increase access further to finance and, consequently, accelerate the rate of poverty reduction within the Municipality.
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Njindan Iyke, Bernard, and Nicholas M. Odhiambo. "Inflationary Thresholds, Financial Development and Economic Growth: New Evidence from Two West African Countries." Global Economy Journal 17, no. 2 (January 19, 2017): 20160042. http://dx.doi.org/10.1515/gej-2016-0042.
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This paper examines the role of inflationary threshold effects in the finance-growth relationship for Ghana and Nigeria. Ghana and Nigeria are relatively homogenous in terms of financial development, economic growth, and inflationary history and therefore provide an acceptable choice for this empirical analysis. Due to lack of data availability, the sample spans the period 1964–2011 for Ghana and 1961–2011 for Nigeria. Using appropriately specified threshold regressions, we found inflationary thresholds in both countries during the study periods. Specifically, the inflationary threshold range for Ghana is 10.73 %–29.83 %. For Nigeria, the inflationary threshold range is 10.07 %–19.25 %. By estimating the threshold regressions, we found financial development to have positive and significant effect on economic growth during low and moderate inflationary regimes; and insignificant effect on growth during high inflationary regimes, for both countries. In particular, financial development impact greatly on growth in Ghana when the rate of inflation is below a threshold of 10.73 % but dissipates when inflation rate reaches and exceeds 29.83 %. Similarly, financial development impact greatly on growth in Nigeria when the rate of inflation is below a threshold of 10.07 % but dissipates when inflation rate reaches and exceeds 19.25 %. The results imply that policymakers in these countries should take inflation into account when devising policies to promote financial development with the aim of generating economic growth. For without low or moderate inflation rates, such policies will not achieve their intended purposes.
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Salifu, Zubeiru, Kofi A. Osei, and Charles K. D. Adjasi. "Foreign exchange risk exposure of listed companies in Ghana." Journal of Risk Finance 8, no. 4 (August 21, 2007): 380–93. http://dx.doi.org/10.1108/15265940710777324.
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Oscar Akotey, Joseph, Frank G. Sackey, Lordina Amoah, and Richard Frimpong Manso. "The financial performance of life insurance companies in Ghana." Journal of Risk Finance 14, no. 3 (May 17, 2013): 286–302. http://dx.doi.org/10.1108/jrf-11-2012-0081.
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Njindan Iyke, Bernard, and Sin-Yu Ho. "Real exchange rate volatility and domestic consumption in Ghana." Journal of Risk Finance 19, no. 5 (November 19, 2018): 513–23. http://dx.doi.org/10.1108/jrf-01-2017-0010.
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PurposeThis paper aims to examine the effects of exchange rate volatility on consumption by focusing on a small open sub-Saharan Africa (SSA) country, Ghana, which has experienced exchange rate volatility frequently.Design/methodology/approachThe authors used annual data covering the period 1980-2015, the annualised variance of the real exchange rate as a measure of exchange rate volatility and a technique that is able to separate short-run effects from long-run effects.FindingsThe authors found that exchange rate volatility has negative effects on domestic consumption in the short run, which is passed on as negative long-run effects. This conclusion is unaffected by an alternative measure of exchange rate volatility and the choice of lag restrictions.Research limitations/implicationsThe authors’ finding suggests that policymakers should seek to reduce or prevent exchange rate volatility by pursuing various policies including limiting foreign currency transactions within the country and promoting quality exports.Originality/valueThe extant studies have examined the effects of exchange rate volatility on consumption by considering countries in regions other than SSA. This paper focuses on a small open SSA country which has experienced exchange rate volatility frequently. Unlike most studies, this paper differentiates short-run effects from long-run effects.
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Adu-Asare Idun, Anthony, and Joshua Gamado. "Corporate Social Responsibility and Access to Finance A Study of Firms on the Ghana Stock Exchange." Journal of Business and Enterprise Development VOLUME 8, no. 2019 (October 30, 2019): 206–40. http://dx.doi.org/10.47963/jobed.2019.07.
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This study investigates the relationship between corporate social responsibility (CSR) and access to finance, using data from companies listed on the Ghana Stock Exchange (GSE). The study adopted multiple regression in investigating the relationship between corporate social responsibility (CSR) in terms of profitability (measured by return on equity – ROE) and philanthropy (measured by corporate social responsibility disclosures – CSRED), and access to finance (measured by growth in equity, retained earnings, debt and working capital). Economic responsibility and access to finance measured by growth in retain earnings are negatively and insignificantly associated. Discretionary responsibility has positive and significantly relationship with growth in equity capital. Again, economic responsibility is negatively and insignificantly related to growth in debt stock, while discretionary responsibility is positively and significantly associated with growth in debt stock. Finally, economic responsibility is negatively related to growth in working capital, while discretionary responsibility is positively related to growth in working capital, but both cases are significant. The study encourages firms to embark on higher-level social responsibility since that can alleviate access to finance challenges faced by firms.
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Owusu-Ansah, Anthony, Kenneth W. Soyeh, and Paul K. Asabere. "Developer constraints on housing supply in urban Ghana." International Journal of Housing Markets and Analysis 12, no. 1 (February 4, 2019): 59–73. http://dx.doi.org/10.1108/ijhma-07-2018-0052.
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Purpose This study aims to document the major underlying forces prohibiting housing development in urban Ghana. Previous studies in Ghana have not empirically examined these constraints, but an empirical examination of these factors would help to formulate proper policies to address the housing shortage problems in Ghana. This paper fills this gap. Design/methodology/approach Using a purposive sampling technique, the authors surveyed the chief executive officers (CEOs) of private real estate development companies within Accra and Tema with a Likert scale questionnaire to measure the severity of the factors hindering housing development in these areas. Findings The results show that real estate developers consider the supply problems in housing to be driven mainly by formal and informal institutional factors. A large percentage of the CEOs reported that land tenure arrangements, lengthy procedure involved in securing building permits and process of land acquisition and registration in Ghana were the major factors that significantly affected housing supply. The difficulty in accessing development funds, underdeveloped mortgage market and high interest rates were some of the market-based factors constraining housing development. Originality/value This study empirically examines the factors that hinder housing development in Ghana, making a clear distinction between the market and institutional forces. The paper proposes policy recommendations for a more effective and direct government intervention to improve urban housing supply.
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Akudugu, Jonas A. "Institutionalising local economic development practice in Ghana." Local Economy: The Journal of the Local Economy Policy Unit 33, no. 4 (May 11, 2018): 405–20. http://dx.doi.org/10.1177/0269094218774250.
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In recent times, the term ‘local economic development’ has been conceptualised and introduced as a bottom-up participatory development strategy in Ghana. It is intended to be implemented at the district level to facilitate the revitalisation of the local economy and create jobs for local residents. Using in-depth interviews and the analysis of relevant policy documents, this paper evaluates efforts aimed at institutionalising the practice in local institutional frameworks and development planning practice in the country. The paper found out that processes aimed at institutionalising contemporary local economic development practice in Ghana are not making any meaningful impact. Institutional frameworks such as the structuring of development policymaking and planning in the country are still rigid and promote bureaucratic top-down development decision-making processes. Similarly, the promotion of a meaningful bottom-up decentralised planning system is only a well-packaged talk by policymakers in the country. Evidence shows that there is a clear lack of political will to implement reforms, particularly the new decentralisation policy that seeks to make District Assemblies in Ghana responsive to local economic development promotion. There is the need for a conscious effort towards making local economic development practice matter in national and local development endeavour in Ghana.
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Kofi Ocran, Matthew, and Nicholas Biekpe. "Agricultural commodity supply response in Ghana." Journal of Economic Studies 35, no. 3 (August 2008): 224–35. http://dx.doi.org/10.1108/01443580810887788.
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Egbunike, Francis Chinedu, Ochuko Benedict Emudainohwo, and Ardi Gunardi. "Tax Revenue and Economic Growth: A Study of Nigeria and Ghana." Signifikan: Jurnal Ilmu Ekonomi 7, no. 2 (March 16, 2018): 213–20. http://dx.doi.org/10.15408/sjie.v7i2.7341.
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Tax revenue is frequently considered as an alternative form of sustainable financing within a stable and predictable fiscal environment to promote growth and enable governments to finance their social and infrastructural needs. The objective of the study is to examine the effect of tax revenue on economic growth of Nigeria and Ghana. The study used multiple regressions as tools of analysis. The study finds a positive impact of tax revenue on the gross domestic product of Nigeria and Ghana confirming prior studies. The study recommended among others that adequate measure to ensure that revenue generated from the tax is effectively utilized to develop and grow the economy.DOI: 10.15408/sjie.v7i2.7341
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Quartey, Peter, Michael Danquah, George Owusu, and Abdul Malik Iddrisu. "Unmasking the contributing factors of entrepreneurial activities among men and women in Ghana." Journal of Economic Studies 45, no. 1 (January 8, 2018): 114–25. http://dx.doi.org/10.1108/jes-08-2016-0152.
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Purpose Using the 2010 Global Entrepreneurship Monitor (GEM) survey data, the purpose of this paper is to investigate the contributing factors of entrepreneurial propensity among males and females in Ghana. Design/methodology/approach Using a measure of entrepreneurial propensity that takes into account individuals who are involved in starting a new business (nascent entrepreneurs) as a dependent variable and socio-demographic characteristics, and perceptual variables as explanatory variables, the study adopts robust empirical estimation techniques to examine how these variables influence the probability of starting a new business among men and women in Ghana. Findings The probability of being a male nascent entrepreneur is significantly dependent upon a wide range of factors including demographic, economic, perceptual and contextual elements, albeit with important variations across gender. An individuals’ subjective assessment of fear of failure in starting a business and of having the requisite entrepreneurial capabilities; the age of the individual; gender of the individual; work status and contextual factors matters for entrepreneurial propensity in Ghana. However, important differences exist in the drivers of entrepreneurial propensity for males and females with females’ entrepreneurship attributed largely to conditions of necessity relative to their male counterparts. Originality/value The main value of this paper is to use the GEM survey (which is nationally representative) for Ghana to analyze the contributing factors of the entrepreneurial propensity among men and women in Ghana.
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Inusah, Nasiru, and Joseph Yaw Dwommor. "IFRS Adoption in Ghana: The Dimensions of Challenges Firms Encounter." International Journal of Accounting and Financial Reporting 7, no. 2 (December 10, 2017): 194. http://dx.doi.org/10.5296/ijafr.v7i2.12028.
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The study seeks to identify challenges of IFRSs adoption firms encounter firms in the context of Ghana and the factors underlining these challenges. Structured questionnaire items were use to investigate the dimensionality of challenges firms encounter in a mandatory IFRS adoption situation using a sample of 88 finance officers of unlisted firms in Ashanti Region of Ghana. It is found that firms in Ghana do encounter some challenges in adopting IFRS. Notable among these challenges are correct application of IFRS, knowledge and expertise in IFRS, resistant to change, compatible software packages, integrating IFRS into existing systems and regulation enforcement. It is also found that the challenges of IFRS adoption in Ghana may be explained by five factors namely: IFRS Complexity, Knowledge and Expertise, Regulation, System and Processes, and Institutional Support. Cost could not be confirmed as a factor of IFRS adoption challenges, however, evidence suggest that cost as a challenge of IFRS adoption may be explained by the cost driver. It is therefore recommended that accounting education and training curricula in Ghana should be revised to reflect the changes in reporting standards and local accounting professional bodies should provide guidelines on the application of apparently difficult standards to local situations.
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Adu-Asare Idun, Anthony, and Anthony Q.Q. Aboagye. "Bank competition, financial innovations and economic growth in Ghana." African Journal of Economic and Management Studies 5, no. 1 (April 1, 2014): 30–51. http://dx.doi.org/10.1108/ajems-09-2012-0057.
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Purpose – This paper takes the finance-growth nexus further by looking at the relationship between bank competition, financial innovations and economic growth in Ghana. The purpose of this paper is to find the causality among bank competition, financial innovations and economic growth in Ghana. Design/methodology/approach – The relationship between bank competition, financial innovations and economic growth was established through the framework of the endogenous growth model. In addition, the paper employed the bound testing ARDL cointegration procedures to enable us to establish both short-run and long-run relationship between bank competition, financial innovations and economic growth. Granger causality test were also estimated to determine the direction of causality. Findings – The results showed that, in the long run, bank competition is positively related to economic growth while financial innovation is negatively related to economic growth. In the short run, bank competition is negatively related to economic growth. By the same token, financial innovation is positively related to economic growth in the short run. In terms of causality, the results showed that there is unidirectional Granger causality from bank competition to economic growth. However, there is bidirectional Granger causality between financial innovation and economic growth. Practical implications – The study therefore, recommends for more regulations toward a more competitive banking system with more innovative products tailored toward mobilization of savings and investment to growth induced sectors of the economy. Originality/value – This paper provides a time series perspective to the finance-growth nexus and highlights the potential contribution of effective banking development to the economic welfare of the Ghanaian citizens.
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Kusi, Baah Aye, Abdul Latif Alhassan, Daniel Ofori-Sasu, and Rockson Sai. "Insurance regulations, risk and performance in Ghana." Journal of Financial Regulation and Compliance 28, no. 1 (August 9, 2019): 74–96. http://dx.doi.org/10.1108/jfrc-09-2018-0126.
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Purpose This study aims to examine the hypothesis that the effect of insurer risks on profitability is conditional on regulation, using two main regulatory directives in the Ghanaian insurance market as a case study. Design/methodology/approach This study used the robust ordinary least square and random effect techniques in a panel data of 30 insurers from 2009 to 2015 to test the research hypothesis. Findings The results suggest that regulations on no credit premium and required capital have insignificant effects on profitability of insurers. On the contrary, this study documents evidence that both policies mitigate the effect of underwriting risk on profitability and suggests that regulations significantly mitigate the negative effect of underwriting risk to improve profitability. Practical implications The finding suggests that policymakers and regulators must continue to initiate, design and model regulations such that they help tame risk to improve the performance of insurers in Ghana. Originality/value This study provides first-time evidence on the role of regulations in controlling risks in a developing insurance market.
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Kyereboah‐Coleman, Anthony. "Inflation targeting and inflation management in Ghana." Journal of Financial Economic Policy 4, no. 1 (April 6, 2012): 25–40. http://dx.doi.org/10.1108/17576381211206460.
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Alagidede, Paul, and Theodore Panagiotidis. "Calendar Anomalies in the Ghana Stock Exchange." Journal of Emerging Market Finance 8, no. 1 (April 2009): 1–23. http://dx.doi.org/10.1177/097265270900800101.
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Akomea-Frimpong, Isaac, Charles Andoh, and Eric Dei Ofosu-Hene. "Causes, effects and deterrence of insurance fraud: evidence from Ghana." Journal of Financial Crime 23, no. 4 (October 3, 2016): 678–99. http://dx.doi.org/10.1108/jfc-11-2015-0062.
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Purpose This paper aims to measure the extent of effects of insurance fraud on the financial performance of insurance companies in Ghana. It also examines the causes and stringent measures that can be used to fight against insurance fraud. Design/methodology/approach Primary and secondary data obtained from 39 insurers in Ghana are used in this paper. A multiple regression model is used to determine the relationship between financial performance and insurance fraud variables. Findings The results from the model indicate that statistically insurance fraud has a significant negative effect on the annual return on assets (financial performance) of insurers in Ghana. Also, weak internal controls, poor remuneration of employees, falsified documents, deliberate acts of policyholders to profit from the insurance contract and inadequate training for independent brokers are found to be the major causes of insurance fraud in Ghana. To deter insurance fraud, effective internal fraud policy, rigorous assessment of insurance policies and claims, adequate training for independent brokers on insurance fraud and modern information technology tools are paramount in fighting this menace in Ghana. Research limitations/implications These findings are to have substantial impact on the techniques insurance companies will develop to fight insurance fraud and the policies that will be developed by governments and national insurance regulatory bodies to fight this menace. Originality/value The main value of this paper is the determination of the key variables that constitute insurance fraud and their impacts on the annual financial performance of insurance companies in Ghana.
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Shobande, Olatunji Abdul, and Joseph Onuche Enemona. "A Multivariate VAR Model for Evaluating Sustainable Finance and Natural Resource Curse in West Africa: Evidence from Nigeria and Ghana." Sustainability 13, no. 5 (March 5, 2021): 2847. http://dx.doi.org/10.3390/su13052847.
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The financial sector plays a critical role in society by mediating resources and assets within the economy between surplus and deficit units. Therefore, they have a great responsibility for the sustainability and prosperity of natural endowments. This study aimed to determine whether sustainable finance matters for the natural resource curse in Nigeria and Ghana. The empirical evidence is based on the Bayer and Hanck combined cointegration tests and Vector Autoregressive/Vector Error Correction Granger causality tests. The study highlights the importance of sustainable financing in natural resources management. Our findings also confirmed the existence of the financial resource curse in Nigeria and Ghana. Likewise, the medium through which sustainable finance affects the natural resource curse has been identified as the human development index (economic welfare). This current study has critical policy implications that suggest the need to establish a vibrant, sustainable financing strategy to assist domestic private investors with a strong interest in natural resource exploration and development, taking into account macroeconomic sustainability. Additionally, it also important to build a strong financial market which allows for policies designed to promote natural resource management.
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Nwauche, E. S. "The duties of a receiver/manager in Nigeria and Ghana." International Insolvency Review 14, no. 1 (2005): 71–91. http://dx.doi.org/10.1002/iir.127.
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