ghanaopendata/ghanaian-research-english huggingface dataset:
The Impact of Savings on Credits: a Case Study of Atwima Kwanwoma Rural Bank (2000-2007)

During the last years the banking business has come under considerable competitive pressure and bank managers often express concern regarding its savings and credits vis-a-vis other activities. The paper examined the impact of savings on credits of Atwima Kwanwoma rural bank from 2000 to 2007 financial years. The researcher employed both financial and non-financial analysis. The bank charges different rate of interest for various customers on the basis of risk and nature of loan. Also there are eight steps involved in the loan officer determines whether the report accurately describes the borrowing capacity and characteristics of the borrower, loan operation, the recording of the loan, loan servicing and administration and finally the loan officer may receive periodic delinquency information and need to follow on t his with borrowers. Empirical results from estimating the model on 2000 to 2007 data from the bank’s financial statement indicates that total deposit has been increased from 152.65 billion respectively. Also the analysis in the study period indicates that credits have increased from 1,559 billion in 2000 to 110.42 billion in 2007. Descriptive analysis of the findings established that there is a positive relationship between total deposits and credits. This shows that as total deposits increased the amount to lend also increased.

Source: KNUST
The impact of segmentation on the efficient delivery of banking services: a case of Ghana Commercial Bank Ltd (GCB), Somanya

This study was carried out to assess the impact of segmentation on the efficient delivery of banking services, a case of Ghana Commercial Bank Ltd (GCB), Somanya. The research specifically sought to: find out the predominant areas of business and other economic activities present in Somanya; ascertain the specific banking needs of the various sectors in Somanya; ascertain the challenges faced by customers as far as their banking needs are concerned; and determine the measures and strategies employed by GCB to meet the needs of the specific sectors in the study area. In this study, systematic and purposive sampling techniques were respectively used to select a sample of 70 customers and 10 bank staff for the study. The data was analyzed by means of SPSS. Charts and frequency table were used to summarize the data. The study discovered that segmentation has a significant impact on the efficient delivery of banking services. However, inability to give loans to certain categories of customers, delay in communication coupled with the large number of customers remained the major challenges. It was therefore recommended that GCB, Somanya should employ more people, educate its customers to take advantage of, and utilize the numerous internet banking products of the bank, and also develop more products to meet customers’ banking needs.

Source: KNUST
Impact of Sales Promotion on the Performance of Guinness Ghana Breweries Limited

The growing managerial importance of sales promotion has generated a great deal of research on how sales promotion affects profitability. In Ghana, sales promotions expenditures by various companies is estimated to be in thousands of Ghana Cedis and the emphasis on sales promotion activities by the various industry players continue to increase year on year. Although several sales promotions are conducted each year by brewery companies, promotion managers are frequently confronted with the challenge of defending the question of the impact of sales promotions activities on the profitability of the firm. This study generally sought to examine the effect of sales promotion on the performance of Guinness Ghana Brewery Ltd. The specific objectives include to; examine sales promotional activities used by Guinness Ghana Brewery Limited (GGBL), examine the relationship between sales promotion and financial performance of GGBL, examine the effect of sales promotion on non-financial performance of GGBL and finally, identify challenges facing sales promotion activities undertaken by GGBL. The study adopted a descriptive research design. The population of the study was estimated at 865 (management, staff and key distributors) out of which a sample of 160 was used (primary data). The main sources of data were secondary and primary. Questionnaires were used to collect primary data whilst secondary data was taken from financial statements of GGBL from 1985 to 2014. STATA 13 was used for the analyses. The study found a positive and significant relationship between sales promotion and profitability. Thus, 1 percent increase in sales promotion was associated with 0.44 percent increase in sales turnover. There was however no significant relationship between sales promotion and non-financial performance. The study recommends that management of GGBL involves key distributors and supply chain members in sales promotional activities. Management of GGBL also needs to integrate all promotional tools to ensure that all promotional goals are achieved.

Source: KNUST
The impact of service quality on customer satisfaction in the hospitality industry: a case study of selected restaurants in Kumasi

The hospitality industry in Ghana is responsible for providing friendly services and accommodation to strangers. According to recent studies, the provision of quality service in she hospitality industry has been found wanting. This is partly due to the employment of unskilled labour that lacks the appropriate work ethics particularly in the area of service quality. The researcher i den tilled that a lut still needs to ue done to improve the q-'aiav services rendered in the hospitality industry, Long waiting time in restaurants, impulitj attendants, unresponsive staff, lack of avenues to address customer complaints as well as tnc denial of customers to comment on their level of satisfaction after using a facility are among the major challenges that beset the hospitality industry in Ghana. The research has therefore assessed the impact of service quality on customer satisfaction in the hospitality industry. Evidence from the research indicates that most operators in the industry are in the business with the aim of making profit and therefore compromise on the provision of service quality. Value, quality and productivity are all of great concern to senior management, as they relate directly to an organizations profitability and survival in the competitive marketplace. Strategies designed to enhance value are dependent in large measure on continuous improvement in service quality and productivity that reinforces rather than counteract customer satisfaction. In this respect, service providers should alwL , s ask i:ie question, "How satisfied are our customers"? This would enable the firm to learn cdoiu how well it has performed in comparison to its main competitors. How it has performed in comparison with the previous year, whether investments in certain service aspects have paid off in terms of customer satisfaction and where the firm wants to be in the following period. Often a key objective of comparison against other units is to motivate managers and service staff to improve performance especially when the results are linked to compensation

Source: KNUST
The impact of service quality on customer satisfaction: a case of intercity STC coaches

This study represents an empirical assessment of service quality and customer satisfaction in ISTC. The general purpose of this study was to examine the current perceptions of ISTC bus service quality of customers. It was also to examine the service parameters that delivers satisfaction to customers and to examine the extent to which ISTC have delivered these parameters. SERVQUAL, an instrument frequently employed to assess the quality of customer services was used in ISTC, a road transport organization to identify the factors that impact on customer satisfaction. In addition, the study explored the impact of service quality delivery on customer satisfaction, as well as the implications of perceived service quality on ISTC's business and recommended options to retaining and growing repeat patronage of ISTC service. The study used the survey method to elicit the appropriate responses from respondents. Respondents were customers of ISTC from selected regions of Ghana where the company provides service. The results indicate that the SERVQUAL instrument with five-dimensions provides good measurement of service quality in the context of the transportation business. Secondly, service quality had a positive impact on customer satisfaction. The impact on satisfaction was service expectation, reliability, recent service experience and more especially safety. This shows that safety is ISTC's most important factor to customer satisfaction. It can also be inferred that respondent's attitude towards ISTC was favorable because of the safety factor and that there is the need to seriously improve on reliability, customer relations and the systematization of service delivery - the processes, procedures, systems and technology that make a service faultless. The results also indicated that the two constructs (quality and satisfaction) are indeed independent but are closely related, implying that an increase in one is likely to lead to an increase in another. The study concluded that service quality dimensions are direct antecedents to customers' satisfaction and that when improved can serve as a differentiating tool for the service provider vis-a-vis competitors.

Source: KNUST
Impact of shared sanitation toilets on candidiasis infection among females in Auchi Community, Edo state, Nigeria.

This study focused on the incidence of Candidiasis infection among females as it relates to shared sanitation toilets in educational institutions and domestic facilities in Auchi community of Edo State, Nigeria. Toilets and high vagina swab samples were analysed for the presence of Candida Albicans and the association with shared toilet. The laboratory investigation for the assessment of the presence of Candida Albicans used samples from squat holes, the walls, floors and handles of the shared sanitation toilet facilities and cultured at 370c for 24 hours and 48 hours. Results revealed that Candida Albicans were present in some shared sanitation toilets of both educational and domestic facilities in Auchi community. The high vagina swab samples revealed positive cases of candidiasis infection (22.73%) among females in the study area. The analysis of the use of toilets revealed that single household latrine was 46.8%. Shared household latrine 35.1% and shared neighbourhood latrine 18%; shared public latrine was not visible in the study area. Water closet stood out as being the type of toilet mostly used at home. Results of the investigation of the rate of usage and frequency of cleaning reveal that the females frequently use and clean the toilet facilities, though majority of the toilets physically inspected were in bad state; dirty and odorous. Suffice to say that Auchi community rely heavily on individuals’ bore hole and water vendors for their sources of water supply. There is a near absence of water utility in Auchi; this has impacted negatively on the sanitary conditions of the toilets and the choice of toilets currently being used. It is worthy to note that all respondents who practice open field defecation buy water from water vendors. The investigation of the effect of candidiasis infection on work and daily life of the respondents indicated statistical significance (0.000) at 99% confidence interval. This finding showed that there is very strong evidence that toilet infection can affect work and daily life of those infected.

Source: KNUST
Impact of Small Reservoirs and Dugouts in Ghana on Hydrology and Water Allocation in the Black Volta Basin

Small reservoirs development has the potential especially the rural to increase water harvesting and storage towards ensuring adequate supply to a wider population, facilitated by the relatively little expenditure required for their construction. Despite their immense significance, developing small reservoirs beyond a certain threshold in a catchment/basin may pose significant adverse effect on the hydrology of that basin. This research therefore sought to explore the impact of small reservoirs and dugouts in the Ghana on hydrology and water allocation in the Black Volta Basin using the Water Evaluation and Planning System (WEAP) and satellite imagery. The methodology involved; analysing hydro-metrological data (1951-2010), demographic data and Satellite Imagery among others. The stream flow gauges for Lawra (Upstream), Bui (midstream) and Bamboi (downstream) were used in analysis. The results showed no significant impact on runoff and about 55.6 B m3 of water flowing downstream untapped. Moreover, unmet livestock and irrigation water requirement range from 1,000 m3 to 6,500 m3 and 40,000m3 to 55,000 m3 respectively, all of which were recorded in the dry season. This implies excess water during the rainy season and some level of scarcity in the dry season. Finally, the study realized the possibilities of developing up to 350 Small Reservoirs by 2040 (under the extreme case of ‘5 times growth rate scenario’) without impacting negatively on hydrology provided the rainfall pattern persist and no significant developments take place in the upstream countries. In conclusion, there is an abundant untapped water resource in the BVB during the rainy season though the basin suffers some level of scarcity in the dry season due to lack of infrastructure to harness the resource at the time of abundance. On this basis, recommendations were made that 5 reservoirs be constructed annually to expand livestock production and dry season irrigation in especially the northern portions of Ghana as it lie along the fringes of the Sahel which is likely to be hard hit by the Climate Change Menace.

Source: KNUST
Impact of small scale gold mining on some water quality parameters of river Ashire

The study investigated the impact of Small Scale Mining on some water quality parameters in River Ashire in the Wassa Amenfi East District of Western Region by measuring the concentration of heavy metals (Mercury, Arsenic, Cadmium, Copper and Lead) and some physicochemical parameters using the Atomic Absorption Spectrophotometer and other standard methods. Water samples from River Ashire were collected monthly at seven (7) different locations along the river over a six month period from October 2010 to March 2011. Mean pH at the sampling points along the river ranged from 6.30-7.01, Electrical Conductivity ranged from 50-103.58 μS/cm, 0.026-0.113 ppm for Salinity and a range of 30.50-49.83mg/L for Total Dissolved Solids were all below the EPA guideline values, but mean Total Suspended Solids 166.83-127.78mg/L and 172-513NTU Turbidity values were above the EPA guideline values. The range of value for Dissolved Oxygen for downstream was 4.09-6.91mg/l; for which the upper limit of 6.91mg/l higher than the Ghana EPA Standard of 5.00mg/l. Lead values ranged from 0.035-0.064, Arsenic value ranged from 0.019-0.0372 mg/L and Mercury range of 0.009-0.085 mg/l values exceeded the EPA Standards. However, levels of Copper 0.001-0.004 mg/l and Cadmium 0.002-0.085 mg/l were lower than the Ghana EPA permissible levels of effluent discharged into natural water bodies. Considering the higher levels of Turbidity, Total Suspended Solids, Lead and Mercury in the River which all exceeded the EPA and WHO levels, Small Scale Mining activities along River has an impact on the river water quality. From the results obtained the levels of heavy metals and Physico-Chemical parameters can be injurious to human health and the environment since according to the World Health Organization, (WHO) (1996), about five million people die every year from drinking polluted water.

Source: KNUST
The Impact of Speed banking on Savings Mobilization; A Case Study of First Capital plus Bank in Kumasi Metropolis

Electronic banking (E-banking) has brought about a revolution in the functioning of banks as it offers major opportunities to banks and their customers. This study therefore seeks to examine the impact of Speedbanking (E-banking) on savings mobilization in the banking industry; a case study of first capital plus bank in Kumasi metropolis. Appropriate frequency tables and charts were used. Seventy (70) structured questionnaires were administered to customers of E-banking products and some banking staffs to gather information. The study indicated that 78.3% of respondents used E-banking products very often and had different types of E-banking products. The study also identified the main E-banking products of the bank namely: Speed banking, ATM, SMS alert, Ezwich and Internet banking with most respondents (40.00%) prefer Speed banking relative to other E-banking products. From the study it is obvious that promotion of E-banking with the bank, secured systems with the bank, ICT competencies within the banking industry and availability, cost of appropriate interoperable systems, support from top management and fast responsive customer service are some of the critical factors that had affected the adoption of E-banking at FCP. The study showed that network failure from internet connection is the major challenge facing customers using E-banking products from FCP. The study however revealed that there is a promising future for E-banking in Ghana. The study also revealed that E-banking has contributed tremendously to saving mobilization at FCP. Some recommendations made based on this study include vibrant client education on the use of E-banking (Speedbanking, ATM etc.), introduction of more point of sale terminal of the Speedbanking cards, reduction of charges associated with subscription to any of the E-banking services.

Source: KNUST
The Impact of Small Scale Gold Mining Activities on the Water Quality of River Birim in the Kibi Traditional Area

The study of the impact of small scale gold mining activities on the water quality of river Birim in the Kibi Traditional Area was carried out at the four sampling sites along the river profile. Water and sediment samples of the River were analyzed for various parameters and compared with Ghana Environmental Protection Agency (GEPA) and World Health Organization (WHO) permissible guidelines for drinking water. The water quality parameters included pH, Electrical Conductivity (EC), Total Dissolved Solids (TDS), Total Suspended Solids (TSS), Dissolved Oxygen (DO) and True Colour. Metals (such as Arsenic, Copper, Cadmium, Lead, Nickel, Iron and Mercury) in the water samples and the river sediments were determined using atomic absorption spectrophotometer (AAS) using AAS 220 model. The result of the study revealed that, the mean values for true colour and total suspended solids of the river water at the various sampling sites exceeded GEPA permissible level for drinking water. However, dissolved oxygen, pH, total dissolved solid and electrical conductivity were below acceptable levels. The concentrations of heavy metals, mainly Arsenic, Iron and mercury recorded in the River water and sediments were also above GEPA and WHO standards, rendering the water unsafe for domestic use. The study revealed that Small Scale Mining activities in the area have impacted on the water quality of River Birim considering the higher levels of True colour, Total Suspended Solids, Iron, Arsenic and Mercury which exceeded the GEPA and WHO levels.

Source: KNUST
The impact of staff motivation on organisational growth: a case study of GCB Bank Limited.

Employees are an organization's livelihood. How they feel about the work they do and the results received from that work directly have an impact on the performance organization and, ultimately, its growth. An unstable organization will underperform. The study had the following objectives: to evaluate the various motivational packages for the staff of GCB Bank Limited, to determine how motivation influence the staff of GCB Bank Limited approach to work and to assess the impact of staff motivation on organizational growth. To achieve these goals, the researcher developed a questionnaire to collect primary data based on the objectives of the study. Data obtained from 90 respondents of the field survey was later analyzed using SPSS V20. The study revealed that, there is a strong significance between the general level of motivation in the organization and the effect of motivation on work output. Motivation has a positive impact on the GCB Bank Limited’s performance and growth thus profitability, deposit mobilization, loan default, staff retention, customer base and efficiency. The researcher recommends that the whole motivational system should be made more transparent to all employees and an appraisal system can be put in place to check employee work output.

Source: KNUST
Impact of strategic human resource management practices towards the improvement of work culture. A case study of manufacturing firms in ghana.

Employing strategic human resource management practices is critical to the success of every business or organization. Theoretical and empirical evidence supports this argument that the adoption of strategic human management practices does have an impact on the improvement of work culture. This study aimed to investigate the impact of strategic human resource management practices on the improvement of work culture in manufacturing firms in Ghana. The population of the study comprised 195 employees. Quantitative data and cross-sectional research were collected using structured questions questionnaires and the data collected were vi then analyzed using the Statistical Package for Social Sciences (SPSS) software version 25. The study aimed to explore the effects of strategic human resource management practices on work culture in Ghanaian manufacturing firms. The objectives of the study were, to investigate the impact of strategic recruitment on work culture, to assess the influence of strategic training and development on work culture, to evaluate the effect of strategic compensation on work culture, and to analyze the impact of strategic performance management on work culture. A quantitative design was employed to collect data. The findings of the study revealed that Strategic Human Resource Management Practices positively and significantly influence work culture. The results of the study revealed that implementing a targeted recruitment strategy would result in a 71.9% improvement in workplace culture, strategic training and development would significantly improve work culture by 54.7%, strategic compensation would lead to a 68.5% increase in work culture, and strategic performance management would account for 73.6% improvement of work culture. The study recommended that manufacturing firms foster a cohesive work culture by strategically integrating Human Resource practices with the organization's values, encompassing recruitment, training and development, compensation, and performance management.

Source: KNUST