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                <text>Migration from low to high voltage distribution system: An optimization of selected unit transformers using linear programming with MATLAB</text>
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                <text>Issah B Majeed, Amevi Acakpovi, George Eduful, Mathias B Michael, Ruhiya Abubakar</text>
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                <text>This paper evaluates HVDS and LVDS concepts by system performance. This is achieved by examining system losses on HV and LV distribution networks in radial AC distribution systems. Challenges associated with system losses may demand network conversion from LV to HV network. This paper addresses this issue by using HVDS optimization specifically, linear programming techniques with Matlab optimization toolbox to determine the optimal number of unit transformers in the HV network. Studies conducted on a test distribution system using CYMEDIST software show the optimized HVDS has improved voltage profile and a total system loss reduction of 29.50% as compared to the LVDS. Consequently, there is reduced operational cost and increased annual capitalized loss savings in the optimized HVDS.</text>
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                <text>Ruhiya Abubakar, KM Sharath Kumar, Amevi Acakpovi, Ussif William Ayinga, Nana Agyeman Prempeh, Jeremiah Tetteh, Ethel Seyram Kumassah</text>
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                <text>Waste management and practices is a pervasive world problem. This is mainly due to the continuous rise in urbanization which comes along with a rise in waste generation. Even though proper waste management has a vital role to play in the ecological environment by greening through the recovery of energy from waste, its management is a menace.&#13;
Reports in Ghana indicate that about 5 million tons of Municipal Solid Waste (MSW) is generated annually and about 60% is organic. Out of this, the non-recyclable components constitutes about 20%, which indicates that 80% can be recovered and recycled, technically. Further, about 25% of the organic waste received at the material recovery and compost facility remains as compost for use in agricultural and other purposes. Considering the population of Ghana pegged at 30 million in 2019, and daily solid waste production of about 0.45 kg per person (Amoah, 2006). Proper management and greening of MSW is very much essential with increasing demand of energy and that is what this paper seeks to tackle.</text>
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                <text>Entrepreneurship and Small and Medium-Sized Enterprises (SMEs) in Africa: Old and New Realities in the Light of COVID-19</text>
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                <text>This study sought to find out the disruptions faced by Small and Medium Enterprises (SMEs), as a result of the outbreak of the COVID-19 pandemic, the survival strategies that they employed to remain operational and the lessons thereof, beyond the pandemic. A systematic literature review was used to fulfil the objectives of the study. The findings were that, for SMEs to survive, they had to embrace technology and acquire relevant skills of doing business; adjust their business strategies to operate online, different from the traditional brick-and-mortar transactions. This study’s theoretical contribution lies in its development of a framework for survival, coping and resilience strategies by SMEs to minimise the socio-economic and health challenges during and post pandemics.</text>
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                <text>https://link.springer.com/chapter/10.1007/978-3-031-55935-8_5</text>
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                <text>The sustainability and contribution of Generation Z influenced by hedonic and utilitarian values to use mobile money services for fee payment</text>
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                <text>The study is designed to establish the impact of Generation Z users' contributions towards sustainable continued use of mobile money service for fee payment among university students. Data for the study were gathered from 1211 students at three universities in the Bono region of Ghana. The study model was validated using structural equation modelling (SEM) with SmartPLS using the partial least structure (PLS). According to the findings of the study, hedonic and utilitarian factors significantly impact university students' continued intention to use mobile money services for fee payment. Also, the study findings determined that government policy and perceived usefulness had a significant impact on both hedonic and utilitarian values. The findings will guide mobile money providers on what factors to consider when improving their service to Generation Z users for payment and continued use of mobile money.</text>
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                <text>https://www.sciencedirect.com/science/article/pii/S2772503024000318</text>
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                <text>Assessment of challenges with borrowing and underlying effects of MSMEs in Kaneshie, Greater Accra Region of Ghana</text>
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                <text>Emmanuel Kwabla Ocloo, Ruhiya Abubakar, G Deva Kumar</text>
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                <text>Challenges associated with borrowing have become a worldly topic worth researching. Most especially in sub-Saharan Africa due to the poverty rate which is associated with lack of capital to state businesses. Thus, this study seeks to investigate the issues with borrowing and its underlying effects on Micro Small and Medium Enterprise (MSMEs) in Kaneshie in the Greater Accra Region of Ghana. The entire population targeted for this research was 73 and same were sampled. But, 65 respondents were randomly drawn out of the 73 population for a mixed research approach.Some of the challenges associated with borrowing by MSMEs are collateral requirement, tedious loan procedures and long disbursal periods. Also, the effects established on borrowed funds are high interest rates, tax, inflation as well as the risk association.The research employed descriptive research design since it portrays accurate responses …</text>
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                <text>Urban planning is an important land use management tool that can address urban development challenges, and for achieving some socioeconomic, political and sustainable urbanization goals. Despite the extensive planning reforms since 2000, the urban development challenges in Lagos remain relatively insurmountable. The ministry also benefits from loans and intermittent grants for urban regeneration and the achievement of the Sustainable Development Goals by international organizations. Urban planning is increasingly being utilized as a major tool for confronting urban growth challenges. The institutional response to the challenges of urbanization and planning challenges in Lagos is the planning administrative framework. The regional plan provided an economic and social development framework for the state and established the foundation for the preparation of other urban, metropolitan, district, and …</text>
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