ghanaopendata/ghanaian-research-english huggingface dataset:
Impact of corporate governance on financial distress in listed companies in ghana

The study aimed to assess the impact of corporate governance on financial distress in listed companies in Ghana. The specific objectives of the study were to identify the effect of institutional ownership structure on financial distress of firms, determine the impact of Ghana stock exchange corporate governance index (GHCGI) on financial distress of firms, to ascertain the relationship between firm size and financial distress of firms and to determine the impact of board size on financial distress of firms. The sample size for the study comprised of the 26 existing listed companies in Ghana. Published annual reports of the listed companies were the main secondary source of data for the study. Panel data was used with a time series from the year 2015 to 2021. The findings showed that there is a statistically significant relationship between institutional ownership structure and financial distress of firms. Also, Ghana stock exchange corporate governance index had an insignificant relationship with financial distress. Again, it was observed that firm size had a statistically significant relationship with financial distress of the firms. Finally, it was revealed that board size had a statistically significant relationship with financial distress.

Source: KNUST
The impact of credit risk on profitability of some selected Banks in Ghana

The study attempts to reveal the relationship between credit risk and profitability of some selected banks in Ghana. A balanced panel data from seven selected banks covering the nine-year (2005-2013) was analyzed within the fixed and random effects techniques. Two key measures of profitability (dependent variables) employed in the study comprised of Return on asset (ROA) as model-1 and Return on Equity (ROE) as model -2. The credit risk measures used in the study included nonperforming loans to total loans, loan loss provisions ratio and loans and advances ratio. In addition, some internal and external determinants of profitability age were captured in model. The results showed that, nonperforming loans is negatively related to profitability while loan loss provision ratio and loan and advances ratio are positively significant to bank‟s profitability. Also the researcher discovered that both capital adequacy and age have a positive relationship with profitability while bank size has an inverse relationship. All the external factors were statistically insignificant. The study suggested the need for management of the banks to put in effective measures in improving the credit risk management strategies to enhance their profitability.

Source: KNUST
The impact of core competencies on skilled labor performance in the Ghanaian Construction Industry

In recent times, clients expect products and services to meet particular requirements. However, the construction industry has often by and large failed to meet clients’ requirements. Often in developed economies, research on core competencies especially in the health and education sector has been well explored, the topic is not as well covered in the African setting particularly in the architectural, engineering and construction (AEC) industry. To address such issues as well as increase awareness, this study sought to explore the impact of core competencies on skilled labour performance in the Ghanaian construction industry. Utilizing snowball sampling techniques, a total of 150 questionnaires were sent to site managers, quantity surveyors, project managers, general contractors and architects in the construction industry within the Greater Accra region. 97 completed questionnaires gathered from the survey were analyzed using mean score ranking. The findings revealed achieving results competencies as the most significant cluster of core competencies. Also, improved worker satisfaction was regarded as the most significant impact of core competencies on skilled labour performance in the industry. The findings and recommendations of this study may be useful to construction professionals and policy makers who are seeking innovative ways to improve performance and productivity in their various organizations. It would be highly remarkable if future studies could consider exploring the constituents (key performance indices) of the labour performance so as to examine how each cluster of core competencies affect a specific labour performance index.

Source: KNUST
The impact of corporate social responsibility on customer loyalty in MTN Ghana

The study set out to establish the impact of corporate social responsibility on the loyalty of MTN customers. Specifically, the study looked at how MTN Ghana is performing in the four major categories of corporate social responsibilities namely, economic responsibilities, legal responsibilities, ethical responsibilities and philanthropic responsibilities. The study further assessed the impact that the corporate social responsibilities undertaken by MTN Ghana in education, health and economic empowerment have on the loyalty of its customers in Ghana. In an effort to accomplish this, 250 questionnaires were administered to customers of MTN Ghana. The sample size was selected using simple random sampling. A response rate of 94% was achieved. The purpose of the study is explanatory. The data collected was analysed using multiple regression. It was discovered that corporate social responsibilities had significant impact on the loyalty of MTN customers. It was therefore followed that MTN was performing well in the four major areas of corporate social responsibilities which are economic responsibilities, legal responsibilities, ethical responsibilities and philanthropic responsibilities. In addition, the study found that, the corporate social responsibility projects undertaken by MTN have significant impact on the loyalty of its customers. Based on the findings, it was recommended that MTN must main a high level of operation efficiency to enjoy the loyalty of their customers and must not focus on maximizing profit at the expense of its customers so as to ensure that they always have the loyalty of their customers. In addition, MTN must perform in a manner consistent with the expectations of government laws. Again, it is recommended that MTN must pay fair wages and refuse to do business with oppressive countries to secure the loyalty of their customers. Finally, MTN must continue to undertake their corporate social responsibility projects because it is the reason for the loyalty of their customers.

Source: KNUST
Impact of credit risk on the financial performance of commercial banks in ghana

The survival of financial institutions lies in their ability to strike a balance between their deposits and credit portfolios. For this reason, the attention of extant literature is focused on examining the interplay between credit risk and the performance of banks. The current study contributes to knowledge by investigating the impact of different credit risk variables on the financial performance of commercial banks in Ghana. It also assesses the trend of credit risk among the GSE-listed banks. NPL, capital adequacy ratio, and loan and advance ratios are used to proxy credit risk, while profitability is measured with ROA and ROE. The study data is gleaned from the annual reports of the nine listed commercial banks over a period of 11 years (2010-2020). With the purposive sampling technique, 99 observations are used to perform a static regression model. After the Hausman test, the RE model is employed using the Eviews version 10. The outcome of the study shows that there are boom and bust trends in the credit risks of banks due to several prevailing bank-specific, environmental and economic conditions. As such, during the periods of 2015 and 2016, banks experienced heightened NPL ratios. Likewise, between 2019 and 2020, banks recorded significant increases in all their credit risk variables. The study further reveals that the capital adequacy ratio positively impacts bank performance (ROA), and TLAR also relates positively to the performance of banks (ROA and ROE). Meanwhile, NPL relates negatively to bank performance (ROA and ROE). These findings support the pecking order theory, signalling theory and capital buffer theory. Thus, it is recommended that banks should endeavour to meet the statutory CAR requirement of the BOG to remain resilient to any economic slowdowns. Banks should also ensure a reasonably low rate of NPL is maintained while increasing TLAR with the aim of increasing bank performance.

Source: KNUST
Impact of Credit Risk on the Value of Universal Banks in Ghana

This paper investigates the impact of credit risk on the value of universal banks in Ghana. The general objectives of the study are to examine the trend of credit risk and also examine the relationship between credit risk, capital adequacy and the value of universal banks in Ghana. A quantitative survey is conducted with data obtained from the financial statement of 15 universal banks in Ghana from the period of 2007 to 2021. A total of 225 observations are analyzed in this study due to data availability and time constraint. Data collected are analyzed using multiple linear regression. The results of the study indicate that the trend of credit risk among universal banks in Ghana is a downwards one indicating an improvement in the management of credit risk among universal banks in Ghana. The study finds no evidence that universal banks in Ghana create value via Non-Performing Loans and capital adequacy. Hence, the study’s findings shows that regardless of a huge amount of unpaid loans, NPLs have a positive and insignificant impact on bank value, whereas capital adequacy has a negative and insignificant impact on bank value due to strict capital requirement regulations in the financial sector. Furthermore, firm value of universal banks in Ghana has significant relationship with Bank Size, Bank Age, and GDP.

Source: KNUST
The impact of credit unions on community development: A case study of Ramseyer credit union

Every government aims to improve the standard of living of its citizenry. Sectors such as the private and Small and Medium Enterprise (SMEs) are major players in the attainment of better economic, social and political conditions in developing countries. However these groups have needs which are not being satisfied by the traditional banks resulting in large circulating funds in the economy. It is believed that the credit unions have serviced these groups of the market which remained outside the traditional banking scope and this has contributed immensely to the development of their communities. Data for the study was obtained from both primary and secondary sources. Convenience sampling was used in selecting the customers to be interviewed and purposive sampling was also used for selecting the staffs who were interviewed. The data was collected from one hundred and ninety-five customers (195) and six (6) staffs. The study revealed that Ramseyer Credit Union provides clients with products for savings mobilization, credit accessibility and Business advice. The study further revealed that reasons why people save with the union were because of the ease with which they access loans and also the lower interest rate that is charged on the loans. This has contributed immeasurably to their standard of living since they are able to fend for the family as well as giving back to the community that they live in. The major challenge of credit unions of which Ramseyer Credit Union is no exception is the credit union law which has not yet gotten approval from the government. This has stifled their growth rate. The study recommends that the government should speed up the process of promulgation credit union laws. Credit unions are very important vehicle in the development of the economy and therefore should be giving the necessary support and make them operate efficiently. The impact of credit unions could increase immensely if they bridge the gap between the services they provide in relation to that of the banks and this will help to erase the negative perceptions about credit unions and position them well in the competitive environment.

Source: KNUST
The impact of Credit Unions on Economic Development of Ghana: a case study of Kuapa Kokoo Co-operative Credit Union Ltd

The study attempted to assess the impact of credit unions on economic development of Ghana using Kuapa Kokoo Cooperative Credit Union Ltd (KKCU) as a case study. Because of the number of programmes developed and implemented by the government to establish a strong progressive economy and improve the well being of all Ghanaians and the increasing significance of credit union to tap monies in the rural areas, there is the need for a study to be carried out to access how credit unions have mobilize rural savings , the contribution of credit unions on economic development of Ghana, their products and services offered vis-a-vis the needs of it members and the constraint and factors that affect rural savings. A study was undertaken using questionnaire and interview approach. Data were processed using Microsoft excel. The study revealed that credit union is a not for profit institution and members joined mostly because of the easy access to loans. KKCU credit processes are efficient and fast and they require no collateral making their loans the most preferred form of credit. Credit union members are not typically 'unbanked'. KKCU has indeed provided financial support to the farmers who are their target group in terms of education, health, farming, and to redeem cocoa farms of members which has been mortgaged to money lenders and etc. Credit unions have contributed positively to economic development. Credit unions have introduced bobrapa boxes to help mobilize savings. Savings mobilized increased steadily from 2000 to 2004, and started decreasing from 2005 to 2007.lt is therefore recommended among other things that credit unions must intensify their savings mobilization by putting in place innovative schemes to retain and attract more people to the union.

Source: KNUST
The impact of credit union on teachers in second cycle institutions in the Kumasi metropolis.

Many people thank savings are to be made out of surplus money, that is money left over needs and wants have been met. Most workers have leant to understand that thj^fan improve their lots by saving a little out of what they earn which could be spent on other project in the future. People may try to achieve this by pooling their resources togetKer and out of that help one another in times of need. In the credit union's attempt to achieve this, there are countless factors that serve as an impediment in the union's way. Notable among them are competition from financial institution, lack of education on credit union loan delinquency and delays in granting loans just to mention a few. Again ways by which the problems should be addressed, findings, results, recommendation and conclusion were all dealt with in the write up. The aim of the study was to find out how the credit union operates its contributions towards the economic well-being of its own members, problems that hinder the union in its operation and suggested solutions of minize the problems. This study was therefore meant to examine teachers of second cycle schools in the Kumasi metropolis. A case study of T.I. Ahmadiyya Secondary, Opoku Ware School and Yaa Asantewaa Girls Secondary. The sample size of (100) hundred respondents drawn from the schools was chosen. These include union officers and a cross section of the union members. The instruments used in collecting data were face to face interviews, questionnaire, and observation. The study attempted to find answers to the following research questions. a. What could be done to ensure successful organisation of the credit union? b. To what extent has the credit union contributed to the economic Well-being *of teachers in the metropolis. c. What are some of the problems faced by the credit union in the mentioned schools? d. What solutions are available to help alleviate the problems encountered by the credit union? The findings of the study showed a high level of dissatisfaction in relation to the selection of officers in the credit union. Members of the union reported the same dissatisfaction in relation to the performance of the various committees set-up particularly the education committee. Finally, some recommendations have been made to help improve the operations of the credit union.

Source: KNUST
The impact of customer care on consumer purchasing behaviour in the life assurance industry in Ghana: a moderating effect of educational background

In the life assurance industry in Ghana, customer care has become a pivotal aspect. Swift delivery and efficient services are vital when it comes to payment of claims. However, the industry is besieged with several complaints from customers as a result of deficiencies in claim settlement. The study therefore seeks to unravel the impact of customer care and consumer purchasing behaviour on life assurance products in Ghana. Enterprise Life Assurance Company Ltd was purposively selected for this study and 396 subscribers were sampled and questionnaires administered to them. Statistical tools embedded in the SPSS were used to analyse the data and it was revealed that there is high level of customer care practices at Enterprise Life Assurance Ltd in terms of proficiency of service delivery, media and presentation of messages to customers, the physical and ethical excellence, service delivery process, security and dynamic operations, credibility and functionality. Enterprise Life Assurance Company Ltd also provides high level of physical and ethical excellence in terms of the provision of proper drinking water and sanitary facilities and visually appealing signs, symbols, advertisement boards, fliers, and other artifacts in the branch offices. Key among the recommendations are further improving the customer care practices of the company, training of staff on customer care practices, awareness creation about the products and policies of the company and customer segmentation.

Source: KNUST
The impact of customer relationship management in the delivery of personal loans in Agricultural Development Bank- a case study of selected branches in the Kumasi Metropolis

In today's world of intense competition, the key to sustainable competitive advantage lies in the delivery of high quality service that will in turn result in satisfied customers. To succeed or simply to service, companies need a new philosophy. Companies must be customer - centered - they must deliver superior value to their target customers and must adept in building customer relationships, not just building products. The essence of this thesis is to find out the impact of CRM in the delivery of personal loans using the Agricultural Development Bank as the case study. The CR Management model was used as a reference point. Three branches of ADB in Kumasi were selected- Adum, Asokwa and Kumasi Central branches. Various literature were reviewed and linked to the current study. The study was carried out on 314 customers and 6 staff and the use of questionnaires and unstructured interviews were the main research instruments. The majority of the customers rated the quality of service delivery in relation to personal loans as very good. Based on the variables studied it /' could be concluded to a reasonable extent that ADB is practicing CRM which is having a positive impact on the delivery of personal loans. Sixty-seven percent (67%) of customers had the intention to repurchase ADB personal loan products. The following were some of the reasons underlying their position: high satisfaction, the occurrences of emergencies such as payment of school fees and medical bills. Although, it was observed that ADB had an ICT section, its major role is to attend to break down of networks, repairs and maintaining the facilities in the branches but they had not really come to terms with its use in managing customer relations. It was recommended that there is the need for management to put up CRM offices in the branches to compliment the functions of the marketing department located at the head office in Accra.

Source: KNUST
The impact of customer relationship management capability dimension on organizational performance in the micro, small and medium scale enterprises; the moderating effect of competitive intensity

The study observes the role of competitive intensity in moderating the relationship between Customer Relationship Management (CRM) capability and firm performance. The research was necessitated because of the problem of several firms not being able to harness the full benefit of the CRM concept mainly because there is no backing capability to ensure competitive advantage. In order to achieve this, some specific objectives were set including to determine the CRM capability practices among Micro, Small and Medium scale Enterprises (MSME’s), to measure the effect of CRM capability on organizational performance, to investigate competitive intensity and its effect on organizational performance in the MSME sector and to ascertain extent to which competitive intensity affects the role played by CRM capabilities in determining organizational performance. In order to achieve this, 400 structured questionnaires were conveniently distributed to owners, managers and executives of MSMEs in Ashanti region. 400 responses were retrieved and analyzed quantitatively using Stata and SPSS. Mean analysis, correlation analysis and Hierarchical Linear Modeling (HLM) regression were the main analysis used in deriving the findings from the research. Findings from the research indicate that firms in the sector have the capabilities of managing customer information knowledge and winning them back. However, upgrading customer relationship is on the average in the sector. It was also found from the correlation and HLM regression that CRM capabilities do have a positive impact on firm performance whiles controlling for period of working in the business and the type of business. The work also indicated that the introduction of competitive intensity as a moderating variable saw a change in performance in the effect of CRM capabilities and performance. It was recommended that owners, managers and executives should build a stronger CRM capabilities whiles working hard to stay above the competition in the sector.

Source: KNUST
The impact of Customer Relationship Management (CRM) on customer satisfaction and loyalty: a study of Divine Love Hospital, Bibiani - Western Region

Customers are the lifeline of every profit-making business and satisfied customers are a business’s surety to remain and thrive. Any effort to so manage a business organisation’s customers in the hope of maintaining a longer-lasting business-to-customer relationship is worth supporting by its management. It is in this regard that the Management of Divine Love Hospital thought it prudent to keep and maintain an on-going relationship with its client/customer base. This necessitated the study to assess the impact of customer relationship management on customer retention and loyalty at the said Hospital. Two hundred and thirty (230) comprising both out-patients and admitted cases, patients’ relatives as well as staff/management of the Hospital were used using random sampling and purposive sampling procedures for the study. On the impact of customer relationship management on customer satisfaction, it was discovered from the study that, employee behaviour, application of technology, and quality service (all components of CRM) has significant positive impact on customer satisfaction. Using customer loyalty as the dependent variable, the study found that customer loyalty is significantly influenced by customer relationship management. The result shows that behaviour of employees has the most significant impact on customer loyalty, indicating the need for the hospital to train its workforce to improve interaction with customers.

Source: KNUST