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                <text>All performing internal audit function is one of the strongest means to monitor and promote good governance system in an organization. In connection to this, survey is conducted on selected public enterprises Findings reveal that, the existing IAF in the public sector has less satisfactory involvement to assess the effectiveness of governance structure due to lack of resources, poor leadership for IAF, absence of appropriate frame work to measure IAF performance and lack of competent personnel.</text>
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                <text>Effects of capital structure choice on profitability of oil marketing companies in Ghana (OMCs): case studies of Ghana Oil Company limited and total petroleum Ghana limited</text>
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                <text>Capital structure is actually a mix of different securities. The importance of capital structure cannot be over emphasized since it impacts on firm’s value. Capital structure choices have had significant impacts on shareholders wealth. The study investigated the impact of capital structure on the profitability of Oil Marketing Companies (OMC’s). With regards to the firm’s capital structure, the study employed short-term debt to total capital, long-term debt to total capital and total debt to total capital in comparison with return on assets (ROA), return on equity (ROE) and net profit margin (NPM). The study employed secondary data and the data was analysed using multiple regressions. The result reveals that short term debt to total capital, long term debt to total capital, total debt to total capital, firm size, and sales growth, have varying and mixed relationships with profitability in terms of return on asset, and return on equity of the Oil Marketing Companies (OMC’s). The study recommend that companies implement due diligence in considering debt financing decisions, to come out with the best possible financing blend which will maximize profitability for their companies.</text>
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                <text>Effects of cowpea fortification and the level of ripeness of plantain on the nutritive value of plantain based snack foods</text>
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                <text>Ann Nancy Etsey, Esther Sakyi-Dawson, Samuel Sefa-Dedeh, Emmanuel Ohene Afoakwa, Kwaku Tano-Debrah, George Amponsah Annor</text>
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                <text>To investigate effects of cowpea addition and level of ripeness of plantain on the nutritional and sensory characteristics of Kaklo and Ofam in Ghana, A 2X4 factorial experiment with firm and soft ripe plantain and cowpea fortification of 0, 10, 20 and 30% was designed. The proximate composition and acceptability of products using a 7-point hedonic scale were evaluated. With the addition of 30% cowpea, the protein content of the Kaklo from the firm ripe and soft ripe plantain increased from 2.92% to 7.32% and 3.65% to 8.05% respectively, whilst the protein of the Ofam from the firm and soft ripe plantain also increased from 3.80% to 8.45% and 3.75% to 8.15% respectively. The 10% fortified Kaklo and Ofam were</text>
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                <text>Effects of cowpea fortification, dehydration method and storage time on some quality characteristics of maize-based traditional weaning foods</text>
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                <text>Emmanuel Ohene Afoakwa, E Sakyi-Dawson, S Sefa-Dedeh</text>
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                <text>Fortification of cereal-based traditional foods with legume protein can improve their nutritional value. It is, however, important to find out the extent to which the addition of cowpea affects the desirable quality characteristics of traditional weaning foods prepared from fermented maize and also to assess the effect of dehydration method and storage time on the chemical, physico-chemical and functional properties of the products. A 3 x 2 x 4 factorial experiment with cowpea level, drying method and storage time as the respective variables was done. The traditional weaning food was prepared by steeping maize in water for 24 hours, mixed with cowpea and co-milled into a meal. A 50%-moisture dough was made with the addition of water and fermented for 24 hours. The product was dried using solar drier (40-60 C for 72 hours) and oven drier (60 C for 8 hours), and packaged in polypropylene bags prior to the analysis. Proximate analysis, pH, titratable acidity, fat acidity, water absorption and cooked paste viscosity were monitored over six months under tropical ambient conditions (28 C, RH 85-100%). Cowpea addition caused only minimal changes in the studied indices with the exception of protein content, which increased from 10.54-14.34% and 10.71-14.42% with 20% cowpea level, respectively, for the solar and oven-dried products. Likewise, no major changes in proximate composition were detected during storage. The product pH and fat acidity increased with concomitant decreases in titratable acidity in the stored samples. The pH levels increased from 4.67–5.18 and 4.13-4.71, respectively, in the solar-dried and oven-dried products within …</text>
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                <text>Rural Outreach Program</text>
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                  <text>MSc. Engineering Project Management</text>
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                <text>Effects of Delays on Project Quality within the Construction Industry in Ghana &#13;
 &#13;
 &#13;
&#13;
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                <text>Adwoa Sefa-Boakye</text>
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                <text>Delays in construction projects have been identified as a major challenge that affects many projects; Geraldine John Kikwasi (2012). The quality of work done is criticized due to these delays. The delays are caused by many factors which are basically project management related challenges coupled with other external factors Albert P. C. Chan et al (2004). Construction project delay is also seen as a worldwide problem in project delivery and Ghana has received its share. Numerous efforts by researchers and construction project management professionals to confront this problem have not yielded satisfactory results. Delays have a great and undesirable impact in terms of quality, cost and risk in construction projects. The aim of this study was to investigate and identify the effects of delays on project quality within the construction industry in Ghana. In attaining the aim of the study the following specific objectives were advanced, one, to find out the factors that causes delay in construction projects, two to assess the effect of the delays on the quality of construction projects, and three to establish a relationship between delay of projects and quality of projects. The study adopted a quantitative structured questionnaire survey by targeting five selected construction companies within Accra and Tema. Respondents were selected by the quota sampling technique. Out of the One Hundred and twenty (120) questionnaires distributed, eighty (80) were retrieved from respondents sixty-seven percent (67). Relative Importance Index and Severity Index were used to analyze the data collected. The study revealed that, three main causes of delays that affect project quality were: Scope, Procurement and Human Resource factors. These three factors composed of 18 indicators ranging from financial resources, delays in honouring payment certificates, poor supervision, underestimation of the project duration, poor communication among stakeholders, challenging designs, environmental conditions, complexity for developers to access bank credit or loans, poor planning, material price escalations, poor data collections and documentations and project selection process or procedures. In concluding, the following measures were promoted for effective construction delivery that will eliminate delay and promote quality work: Proper scope definition and planning, establishing fasts on the financial liquidity of project sponsors, agreed terms and specifications, proper communication channel quick payment schedules agreed by all the contracting parties. KEYS WORDS: Effects, delay, Quality, construction projects, Ghana, contractors, Surveyors, Engineers, Architects and Consultants&#13;
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                <text> MSc. Engineering Project Management</text>
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                <text>Ghana Technology University College</text>
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                <text>Mrs. Getrude Amoakohene</text>
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                <text>Effects of Digital Banking Services on Customer Satisfaction-Case Study Ecobank Ghana Limited.</text>
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                <text>Afua Akomah Bamfo</text>
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                <text>Customer satisfaction has become the cornerstone of all banking services. The adoption of technology, technological enhancements and inclusion, facilitation of customer experiences and satisfaction through the provision of digital banking services is seen as one of the key strategies to provide bespoke services to customers. The aim of this research was to assess the effects of digital/electronic banking services and products on customer satisfaction in Ghana using Ecobank Ghana Limited as a case study. Quantitative data was collected through a survey from a sample of&#13;
200 respondents and analyzed quantitatively. Findings indicated that digital banking products/services are internet banking, mobile banking and ATM products and services. Respondents indicated that they most often use a combination of traditional and digital banking although the findings also indicated that the use of electronic banking services are on the high.&#13;
ATM (β = 0.310) systems were found to be a very good predictor of customer satisfaction, which was statistically significant (p=.000). This indicates that any increase in ATM products and services there is a 31% increase in customer satisfaction. Internet banking reveled the highest correlation with customer service followed by security which had coefficients of 0.799 and 0.713 respectively. Also, mobile banking revealed the strongest relationship with security at 0.668 whiles ATM Debit/Credit cards had the correlation with customer service 0.697. these indicate positive effects of electronic banking products and services on customer satisfaction. The findings of the study make it clear that that digital banking leads to customer satisfaction. This is quiet outstanding as the digital industry seems to still be in its growth stage. The findings basically provide evidence that with continuous growth and investments banks can have more satisfied customers and also, banks can reduce operational costs through automation of tasks as indicated by some earlier researchers. Future research could adopt a more qualitative or mixed methods approach to gain in- depth understanding of the issues raised as well as to further clarify some of the situations observed within the study.</text>
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                <text>Effects of donations on the collection development of private academic libraries in Ghana: A case study of central university</text>
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                <text>Afua Frempong-Kore</text>
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                <text>This study was conducted to ascertain the trends of donations to private academic libraries in Ghana and how these donations have affected the collection development and service delivery of the library. The population of the study comprised of one (1) librarian and two (2) assistant librarians from the Central University library. A qualitative research design was employed to collect data for the study, and the data were thematically analyzed.</text>
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