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                <text>The ubiquitous nature of information and communication technology can be a very reliable conduit that enables people to share and deliver messages even when they are geographically unbounded. Today, the unbounded nature of the internet has facilitated computer-mediated communication. The emergence of mediated communication tools such as QQ, Wechat, Whatsapp etc have eventually drifted the attention of a whole generation from making phone calls to text messaging. We sampled 1823 students from 15 tertiary institutions across the ten regions of Ghana to answer a question designed on the UTAUT 2 model. Our objective was to determine the distinctive factors influencing the adoption and use of these computermediated communication tools among this category of respondents and the presence of intervening mechanism with their identifiable effects. We noted that the odds ratio of 1.751 and a confidence interval of 95%, suggest that females were more likely to use computer mediated communication tools than their male counterparts at a confidence interval of 95%(Sig= 0.002). Similarly, the age group (18-25 years) were 0.726 more likely to use computer mediated communication tools than elderly ones and this was statistically significant at 95% confidence interval (p-value= 0.000). Similar significant values were recorded for all the items of UTAUT 2 and perceived convenience.</text>
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                <text>Determinants of capital structure of listed oil marketing companies in Ghana</text>
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                <text>Capital structure decisions are the most crucial decisions taken by corporate organizations, as these decisions have massive impact on the overall cost of capital weighted average and the resultant profitability and market value of shares. Most of the researches conducted on capital structure concluded that there is an optimal capital structure that is affected by a variety of internal and external factors. These factors usually differ from country to country and industry to industry. This paper using a case study methodology, investigated the determinant of capital structure of oil companies in Ghana. The study examined how internal factors such as profitability, asset tangibility, growth, size and riskiness of a firm impacts on the capital structure of the two listed oil marketing companies in Ghana (GOIL and TOTAL) for the period between 2005 and 2014 using ordinary least square regression. The findings indicated that all the factors have significant impact on financial leverage.</text>
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                <text>This study is designed to investigate the rationing behavior of Commercial banks in Ghana, by looking at the effect of chosen variables on the amount of loan realized even in the era of interest rate liberalization. A single equation model involving a categorical random dependent variable, being the amount of loan realized and security value, interest rate, the value of assets, the value of collateral security, net profits, experience in business, sex, age and purpose as the exogenous variables. The exogenous variables are jointly significant in explaining the dependent variable. The results suggest that even though interest rates may be liberalized as a way of ensuring credit allocation, the Commercial Banks would still ration out credit. It is therefore suggested, that there is the need for the government to play an active role in the financial sector and the banks to intensify their monitoring systems of …</text>
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                <text>This study was designed to investigate the rationing behavior of some commercial banks in the Greater Accra region, by looking at the impact of some variables on the amount of loan realized even in the era of interest rate liberalization. A single equation model involving the amount of loan realized as the dependant variable, and interest rate, the value of assets, the value of collateral security, net profits, experience in business, sex, age and purpose as the exogenous variables. The explanatory variables were jointly significant in explaining the dependant variable. The results imply that even though interest rate may be liberalized" 0 that the banks could determine their own interest rates that will make them allocate credit to the private sector. they will still ration out credit instead since other determinants such as those analyzed in this research are of much importance in determining credit allocation due to the …</text>
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                <text>The paper examines the effect net profit, firm size, tangibility, firm growth and risk have on leverage of manufacturing and trading sector companies listed on the Ghana Stock Exchange during the period 2005 to 2014. The paper relied on published financial statements of the listed manufacturing and trading companies for the period. Using a panel regression model, the study found a significant negative relationship between firm size and leverage as well as growth and leverage. Profitability established a negative and insignificant relationship with leverage. An insignificant positive relationship was found between tangibility and leverage and an insignificant positive relationship was also found between risk and leverage. The study suggests listed manufacturing and trading companies should apply the pecking order theory in their capital structure decisions and favor internal source of funds for their financing needs.</text>
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