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                <text>&#13;
Universal access to financial services is a critical component which drives development since it includes the vulnerable such as low-income household in the society to participate in the governance of the country (Iqbal and Sami, 2017). When people get access to financial services, it transforms their production through investment which eliminates them from poverty. Studies have propounded that the basic activity of the financial service sector is to make credit available to its customers. In this way, customers can increase their economic activities (Iqbal and Sami, 2017). Other evidence has confirmed that there is no country which has succeeded in reducing poverty without the expansion of financial accessibility to its rural populace (Rewilak, 2017). When the rural poor have access to finance, they achieve a large increase in production of various primary activities such as agriculture and this enables them to produce surpluses in food, labour and even financial resources which are the basic necessity of a country’s industrialisation and urbanisation (Villarreal, 2017). However, within the short and medium terms, making finance available has its own adverse impact on the rural populace hence it is important that various measures are put in place to overcome these barriers so that the long-term convergence of productivity among the different sectors of the economy could be realised (Bangko Sentral ng Pilipinas, 2015). When this is done, the expectation is a broad spectrum of opportunities which might arise from this progressive change and a renewed mindset of the people to take up challenges.</text>
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                <text>Electricity has become indispensable in our way of life and it is at this period of time that the average person requires quality, secured and affordable power supply at all times to support our&#13;
industrialization, job creation and poverty alleviation effort.&#13;
In contrast the Utilities companies are under pressure and confronted with an array of challenges including ageing infrastructure, high expectation from consumers, inadequate investments, high operational power losses and no being able to attain full cost of electricity sold. It is against this background that this research is carried out to study asset maintenance processes&#13;
which are currently being practiced in the distribution companies and whether they are up to the best international standards and moreover whether they are capable of meeting the ever increasing expectation of their customers.&#13;
Methodology deployed in the study included sending a well structural questionnaire to at least half the operating areas and regions of ECG and NEDCO based on a purposive sampling technique with enquires spanning from strategy techniques, to planning organizational structure human resources material management, to use of Information and Communication Technology (ICT) to health and safety issues among others. Data was also collected on their reliability of the network Results of study indicate that the current asset maintenance practice of all seven areas centre around stabilising and preventive regimes with very little variations among all of them. This is mainly due to similar structures and methods being implemented by virtue that they are under two main umbrella state controlled organizations.&#13;
Moreover following the research, although a lot has being done to raise the standard of assets maintenance, current practices will never allow them to achieve the expected standard unless drastic measures are put in place for them to move away from the classical approach of maintenance to a more aggressive and predictive. Furthermore in our study we identified major recommendations, including strong leadership, changes in maintenance methodology, Change management and migrating to the use of modern ICT in all areas of operation which if adopted aggressively with concerted effort could lead to the&#13;
achievement of the ambitious performance indicators set by the industry regulator and business excellence.</text>
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                <text> MSc. ENGINEERING PROJECT MANAGEMENT</text>
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 &#13;
&#13;
&#13;
&#13;
&#13;
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tremendous contributions, it becomes necessary to identify the various factors that improve the business operations of such enterprises. One of such identified drivers is technology. Hence, the study is to evaluate the effect of technology on SMEs in the Accra Metropolis. This study is to: assess the present state of technology adoption in SMEs; evaluate the effects of technology in the growth of SMEs and to critically analyze the challenges SMEs encounter in using technology.&#13;
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presented in descriptive and graphical representations like charts, tables and percentages.&#13;
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communications and increasing productivity. However, the study identifies that cost of software and equipment as well as unavailability of ICT experts were major challenges that SMEs encountered in adopting technology.&#13;
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                <text> Ing. Isaac Hanson</text>
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