ghanaopendata/ghanaian-research-english huggingface dataset:
An analysis of risk associated with bank lending (2)

This study examines the credit appraisal process and repayment of Bank loans at Ecobank. Specifically, the study investigates the appropriateness of the credit appraisal process of Ecobank, the relationship between loan officers and customers and the effect of loan officer – customer relationship on the credit appraisal process. The study also identifies strategies to help improve the credit appraisal process of the Bank. A face-to face household-level survey of 142 respondents is conducted in Ashanti Region, Ghana in 2017 with a structured questionnaire. The subjects for the study are formal and informal sector workers. On the appropriateness of the credit appraisal process, the factors are loan processing time, nature of collateral, loan diversion, credit scoring and evaluation, loan amount disbursement, loan repayment and loan default. The study also finds out the loans department offers excellent reception to all customers irrespective of the loans officer’s relationship with the customer. Loan officers provide assistance to most customers in completing the loan form and also advise them on how to invest the loan amount in the intended business or project. The relationship between loan officers and customers has almost no effect on loan repayment. Majority of customers who defaults loan repayment has no relationship with loan officers. Also, there should be a thorough screening of the borrowers before loans are disbursed. Further, there should be supervisory visits by credit officers after loans have been disbursed to ensure proper use of the borrowed funds thereby enhancing the chances for higher profitability of enterprises and loan repayment. Also, loan repayment period should be set in accordance with the financial viability of the project, loan size and market situation.

Source: UEW
An analysis of risk associated with bank lending (a case study of Ecobank, Ghana)

This study examines the credit appraisal process and repayment of Bank loans at Ecobank. Specifically, the study investigates the appropriateness of the credit appraisal process of Ecobank, the relationship between loan officers and customers and the effect of loan officer – customer relationship on the credit appraisal process. The study also identifies strategies to help improve the credit appraisal process of the Bank. A face-to-face household-level survey of 142 respondents is conducted in Ashanti Region, Ghana in 2017 with a structured questionnaire. The subjects for the study are formal and informal sector workers. On the appropriateness of the credit appraisal process, the factors are loan processing time, nature of collateral, loan diversion, credit scoring and evaluation, loan amount disbursement, loan repayment and loan default. The study also finds out the loans department offers excellent reception to all customers irrespective of the loans officer‟s relationship with the customer. Loan officers provide assistance to most customers in completing the loan form and also advise them on how to invest the loan amount in the intended business or project. The relationship between loan officers and customers has almost no effect on loan repayment. Majority of customers who defaults loan repayment has no relationship with loan officers. Also, there should be a thorough screening of the borrowers before loans are disbursed. Further, there should be supervisory visits by credit officers after loans have been disbursed to ensure proper use of the borrowed funds thereby enhancing the chances for higher profitability of enterprises and loan repayment. Also, loan repayment period should be set in accordance with the financial viability of the project, loan size and market situation.

Source: UEW
Analysis of sawn lumber production from logging residues of branchwood of Aningeria robusta and Terminalia ivorensis

One way of meeting the supply demands of the wood industry is through the reduction of waste in timber processing. It has been estimated in Ghana that for every tree felled, nearly 50% of the tree volume is left in the forest in the form of branches, crownwood, and stumps. In this study, the potential of utilizing branchwood as raw material from logging residues to help meet the timber demands of the downstream processing sector was analyzed experimentally. The sawing characteristics of the branchwood of Aningeria robusta and Terminalia ivorensis with diameters in the range 10-25 cm using live sawing and cant sawing methods were determined using a randomized complete block design, 2 � 4 factorial with three replications. Experimental results indicate that, the relative lumber value yields for first and second grade boards of A. robusta and T. ivorensis branches were 25 and 20%, respectively, while the green lumber volume yields were 40 and 32%, respectively. A high proportion of sapwood and the occurrence of washboarding in T. ivorensis contributed to that species' relatively low lumber value and volume yield. The experimental results further indicate that the sawing technique used had no significant influence on lumber yields. However, at 5% level of significance, significant differences in lumber yield existed between some of the diameter classes. � Springer-Verlag 2006.

Source: UEW
Analysis of selected Momo fraud awareness campaigns of MT N Ghana

This study investigates the effectiveness of mobile money (MoMo) fraud awareness campaigns of MTN Ghana, drawing on the persuasion theory and deception theories. Employing a qualitative case study design, the research explores five MTN MoMo fraud awareness campaigns and how they contribute to curbing fraud. The analysis reveals that the MTN MoMo fraud awareness campaigns utilize various strategies such as highlighting precautionary measures to influence user behaviours and encourage adoption of safe practices. The study also finds that diverse approaches, including community engagement, collaboration with law enforcement, and the use of relatable messaging, are crucial for effective awareness campaigns. The study recommends for improvement include prioritizing victim support, enhancing accessibility, fostering community involvement, continuously evaluating campaigns, strengthening partnerships, investing in user and provider education to curbing fraud. Additionally, it calls for greater collaboration among stakeholders and further research to enhance the effectiveness of fraud awareness initiatives in Ghana. This research contributes to a more comprehensive understanding of MoMo fraud awareness campaigns and their potential to safeguard mobile money users in Ghana.

Source: UEW
Analysis of senior high school students’ statistical literacy, attitudes towards statistics and their relationship.

The purpose of this study was to analyze the statistical literacy of Senior High School students, attitude towards statistics and their relationship. The study was conducted in Kade Senior High Technical School in the Denkyembour District of the Eastern Region of Ghana. Descriptive Research that employs the Explanatory Sequential Mixed Methods Design was used. A statistical literacy test and attitude towards statistics questionnaire was used to collect data from 180 randomly selected respondents of final year students from Kade Senior High Technical School, in the Eastern Region of Ghana. A one sample T test, One way Analysis of variance and Pearson Product Moment correlation analysis was used to analyze the data. Data analysis revealed a low mean percentage test score (37%) and the low passing rate (38%) which indicated that the level of students’ knowledge in statistics was low. Also an overall students responds to attitude towards statistics questionnaire revealed that, only 29% of 180 participants responded positively to the items in the questionnaire, this shows that generally students have negative attitude towards the teaching and learning of statistics. The study also found a positive relationship between students’ attitude towards statistics and their performance in the statistical literacy test. The findings of this study revealed that final year SHS students had performed relatively low in statistical literacy. Mathematics teachers should have adequate knowledge in statistics so as to employ appropriate instructional methods to develop students’ statistical literacy.

Source: UEW
Analysis of sixteen (16) selected covid-19 presidential addressses a critical theoretical perspective

The COVID-19 pandemic was a global health condition which presented itself in a very scary form and nature to threaten the lives of many. Governments of countries across the globe had to take measures to prevent and control spread and infection. In Ghana, presidential addresses were used to communicate government decisions and policies to safeguard the citizenry. This study sought to critically unveil embedded meanings contained in the speeches delivered by the President of Ghana, His Excellency Nana Akuffo-Addo in 2020. The study employed the qualitative content analysis methodology to purposively sample and thematically analyse sixteen (16) selected COVID-19 speeches retrieved from the website of the Presidency. Findings from the study indicate that the imposition and enforcement of the COVID-19 safety protocols exerted hardships on the citizens of Ghana through oppression, distortion of livelihoods and threat to freedom of movement. The study reveals that the masses on the other hand responded to the hardships through compliance and resistance. It is also revealed in the study that fragile healthcare system and social injustice are systemic and structural issues embedded in the speeches. Further, it is identified that the President took advantage of the addresses to respond to criticisms, especially from the opposition party using innuendoes, project government policies positively, and used the platform to communicate his campaign messages to the citizenry. The study concluded that Ghana may face similar challenges in the face of another pandemic if government does not implement robust policies to strengthen the healthcare system; and improve the socioeconomic conditions of the masses. It is recommended that government shows commitment towards the implementation of ‘Agenda 111’ to improve healthcare infrastructure and enhance its digitisation and digitalisation policy for easy identification, and provision of requisite support for the needy in times of any pandemic and/or crisis.

Source: UEW
Analysis of spelling errors in students’ essays a case study of Tempane senior high school in the Tempane district of the upper east region

Studies have been conducted on causes of spelling errors in essay writing and comprehension. However, these studies conclude that additional spelling errors is the best way to increase a student’s spelling level. The study adopted quantitative research design with a population of one hundred and eighty (180) students. The study was conducted in all the three Departments of Tempane Senior High School. The finding was that students committed seven categories of errors with the total number of errors stands at four hundred and forty-two (442) in essays writing. The rationale for using the form one, two and three students to analyse the spelling errors was to study the pattern of performance in the various levels as they progress. The study revealed the students committed Seven types of spelling errors in their essays. These include; letter omission, letter substitution, letter transposition, letter addition, L1 induced error, inflectional error and letter insertion found in essay writing. Space in accuracy, apostrophe, consonant substitution, consonant addition and vowel substitution are found in the comprehension whilst pidgin English and social media are others found in both. The findings showed that letter omission spelling errors is the most frequent type of errors the students committed. The letter addition recorded the least of spelling errors.

Source: UEW
Analysis of spelling errors in the writing of Proso DA JHS two pupils

This study investigated spelling errors committed by pupils of Proso D/A JHS in the Juabeso District and are learning English language (L2) as a core subject. The study examined written works (essays and class exercises) of 40 pupils who were in form two(2). The rational for using the form two pupils was that they would soon progress to form three and prepare for external and also final examination and this is to find the extent of their early preparation and seriousness towards learning the English language. The study revealed the pupils committed six types of spelling errors in their writing. These are letter omission, letter addition/insertion, letter substitution, letter transposition, multiple letters errors and apostrophe errors. The findings showed that letter substitution spelling errors was the most frequent type of errors the pupils committed while apostrophe errors occurred the least. The study also revealed the causes and effects of spelling errors which have implications on all stakeholders of education especially pupils and teachers. This study of spelling errors will help teachers to device strategies that will improve learners' spelling abilities. The study recommends the need for future research into the area to help improve learners written communication skills.

Source: UEW
Analysis of stakeholders’ involvement in the education of children with intellectual disabilities in Ghana

This study sought to investigated stakeholders’ involvement in education of children with intellectual disabilities (IDs). A sample size of one 100 stakeholders out of the population of 150 from four schools for children with intellectual disabilities in Western, Central and Eastern Region of Ghana. The study employed mixed method involving the use of explanatory sequential design. Data were collected using close ended questionnaire and a structured interview guide. Data from questionnaires were analyzed using frequencies, percentages and tables. Findings from the study revealed that major stakeholders in the education of children with intellectual disabilities in Ghana, such as parents/guardians, teachers, head teachers, governmental agencies (educational directors), and the community play a major role in the education of children with intellectual disabilities. The research also found that few parents were engaged in addressing administrative matters which affected their wards’ education. Finally, it was revealed that special schools in Ghana lack adequate infrastructure to support learners’ instructions. Since the research could not find out the strategies that could be adopted to improve stakeholders’ involvement in education of children with intellectual disabilities, it is recommended that future researchers should look at strategies to improve stakeholders’ involvement in education in ID schools in Ghana.

Source: UEW
An analysis of students’ concord errors a case study of Akatsi No.1 Junior High School in Akatsi in the Volta Region of Ghana

The study analyzed the concord errors committed by students of Akatsi No. 1 Junior High School. Its main objective was to find the types of concord errors they commit and the possible factors that account for the errors. Data were collected from JHS 2 and 3 students of Akatsi No. 1 Junior High School by way of questionnaire and in-class essays and analyzed. The findings revealed that the concord errors found in students’ writing were many, including subject-verb concord errors. The findings also showed that the most challenging category of concord from the point of view of the respondents was subject-verb concord. On the causes of the errors, the study identified students’ negative attitude towards the study of English Language, incomplete application of rules, as well as ignorance of rule restriction as negatively affecting their performance in English. Based on the results, it is argued that policy makers, textbook writers, teachers of English, parents, and students should be involved in shaping policy to guide the teacher in teaching effectively for optimum performance from students.

Source: UEW
An analysis of talent identification and maintenance of sports programmes in Wa polytechnic of the upper west region, Ghana

The purpose of this research was to analyze talent identification and management programmes in Wa Polytechnic. The descriptive survey research method was used. Thirty (30) athletes and three (3) help-coaches in Wa Polytechnic were randomly selected as the sample for the study. A structured questionnaire, which was face validated by my supervisor was used to gather the data. The data was analyzed using frequency tables and percentages. Based on the data analysis it was realized that there were other ways that might help Wa Polytechnic in contributing to the development of student potential athletes, so that they can effectively feed into the mainstream sport system. It was recommended among others that, the management body of Wa Polytechnic should increase admission quota for sportsmen and women with the required qualification and institute scholarship, discount, and citations for distinguished sportsmen and women. This research presents the need for focusing around growing and sustaining larger numbers of student athletes and improving talent identification and development programmes to help more athletes excel at various levels of competitions.

Source: UEW
Analysis of teacher trainees’ understanding and use of reflective practice in the teaching of physical education

The purpose of this study was to analyse the understanding and use of reflective practice among teacher trainees of colleges of education in Bono, Bono East and Ahafo regions of Ghana. The study is a mixed-method research based on a concurrent survey design. The population of the study comprises one thousand four hundred teacher trainees and fifteen tutors (mentors). Purposive and disproportionate stratified sampling techniques were used in selecting five (5) mentors and three hundred and two (302) teacher trainees respectively for data collection. The study used Questionnaire and semi-structured interview guide. Data were thematically analysed in relation to the research questions. The study found out that reflective practice is a common phenomenon in the colleges of education studied and the majority of the teacher trainees know the value and use of reflective practice in the teaching and learning process. Moreover, the study revealed that reflective practice is a tool for successful lesson delivery and its frequent use would yield to a constructive assessment and evaluation. The findings confirmed the Pre-teaching, In-teaching, Post-teaching (PIP) model which says that adequate preparation and reflectivity must occur throughout the teaching and learning cycle so as to enhance teacher trainees understanding and use of reflective practice. The study recommends that mentors should intensify their supervision to reinforce reflective practice become part and parcel of teacher trainee’s programme of activities for effective teaching as to be able to explain the concept and show how and when they apply it in stages of lesson development.

Source: UEW
An analysis of tense errors in students’ written essays- a case study of Diabene Secondary Technical School.

There is the general perception that the standard of English among students in Ghana at all levels of education is falling in recent times. Chief examiner’s reports received from the West African Examinations Council (WAEC) from 2005 to 2016 have regularly indicated that most students in the senior high school who fail in English lack in-depth knowledge of the rudiments of the English language. Students’ lackadaisical attitude to the teaching and learning of the language may be a contributory factor. They think that English, like all other languages should not be learnt, but rather it should be spoken. This is of great concern to stakeholders of education in the country, as English is emerging as the lingua franca of the world and it is essential that students graduating from our secondary schools demonstrate solid knowledge of both formal and conversational properties of the English language. This study seeks to investigate the tense errors that students of Diabene Secondary Technical School make in essay writing in order to establish the actual problem areas for attention and redress. The researcher used qualitative method to analyse the data collected from the 115 essays written by the students and also the information obtained from teachers of English during his interaction with them. The findings of the study disclosed that students of Diabene Secondary Technical School have insufficient knowledge of the English language and therefore, they will not be able to communicate effectively and efficiently with other users of English and this will be a barrier to their interaction with other students and friends. It is hoped that if the recommendations in the study are carefully considered, standard of English will improve.

Source: UEW
Analysis of the academic performance of students with on the integrated education programme in the Hohoe Municipality in the Volta Region of Ghana

This study analysed the academic performance of pupils with visual impairment placed on the integrated education programme in the Hohoe Municipality. The evaluation research design was employed for the study. Purposive sampling technique was used to select the respondents for the study. A total of 50 respondents, comprising 20 mainstream teachers, 5 itinerant teachers, 25 pupils with visual impairment were drawn for the study. The instruments used in collecting data were semi- structured interview and scores from teacher made tests. The study revealed that the integrated education programme had a positive influence over the academic performance of the visually impaired. The recommendations included among others; the provision of extensive opportunities for both pupils and teachers in assessment, in-service training, monitoring and motivating in the mainstream by stakeholders and also provide the necessary academic and infrastructural facilities needed to support the education of persons with visual impairment in the mainstream schools.

Source: UEW
An analysis of the basic education certificate examination results in integrated science. A study of public junior high schools in the Effutu municipality of the central

A DISSERTATION IN THE DEPARTMENT OF SCIENCE EDUCATION, FACULTY OF SCIENCE EDUCATION, SUBMITTED TO THE SCHOOL OF GRADUATE STUDIES, UNIVERSITY OF EDUCATION, WINNEBA, IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR AWARD OF THE DEGREE OF MASTER OF EDUCATION DEGREE JUNE, 2012

Source: UEW
An analysis of the Basic Education Certificate examination results in integrated science. a study of public junior high schools in the Effutu Municipality of the Central Region

A DISSERTATION IN THE DEPARTMENT OF SCIENCE EDUCATION, FACULTY OF SCIENCE EDUCATION, SUBMITTED TO THE SCHOOL OF GRADUATE STUDIES, UNIVERSITY OF EDUCATION, WINNEBA, IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR AWARD OF THE DEGREE OF MASTER OF EDUCATION DEGREE JUNE, 2012

Source: UEW