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                <text>Despite the growing research on the performance implications of technological and organizational innovation, our understanding of how they impact SMEs’ international performance is limited. Drawing from the dynamic capability and the institutional theories, this study argues that technological and organizational innovation has a synergistic effect on international performance and that this effect is contingent on unique domestic institutional factors. We test this model using structural equation modeling on a sample of 204 internationalized SMEs operating in Ghana. The findings from the analysis show that high levels of organizational and technological innovation jointly improve SMEs’ international performance. In addition, the results show that institutional environment specificity and institutional environment enforceability enhance the complementary effect of organizational and technological innovation on the …</text>
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                <text>This study proposes and tests a model of how and when previous failure experience can impact on subsequent business model innovation of business to business (B2B) SMEs. Analysis of survey data from a sample of 182 B2B SMEs indicates that failure experience is positively related to business model innovation – and that coopetition capability mediates this failure experience. Further analysis of boundary condition effects reveals that high levels of financial resource slack strengthen the positive relationship between coopetition and business model innovation, while the level of managerial persistence has no effect on failure experience and coopetition relationship. We discuss managerial and theoretical implications of these findings.</text>
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                <text>This paper examined the extent to which leaders’ characteristics and regime transitions impact on economic growth. A unique panel dataset, comprising 44 sub-Sahara African countries from 1970 to 2010, was used for the study. We used the differenced generalized methods of moments’ estimation to test our dynamic model for the dataset controlling for leader specific effects. We observed that democratic leaders were able to attract foreign direct investment and impact on economic growth positively. With regard to regime transitions, we observed that business cycle existed, and it reduced the rate of growth in democratic governance in election periods as compared to autocratic governance. Overall, our results show that there is a limit to which an ageing leader can stay in office. Moreover, the overall results point to a democratic governance having an advantage over an autocratic one in the process of promoting …</text>
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                <text>Is there discrimination against the agricultural sector in the credit rationing behavior of commercial banks in Ghana?</text>
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                <text>Frank Gyimah Sackey</text>
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                <text>Purpose&#13;
The purpose of this paper is to examine if credit rationing persists even in the era of financial liberalization, the extent to which individual, firm and loan characteristics influence the rationing behavior of commercial banks and whether the agricultural sector is discriminated against in the commercial bank credit market.&#13;
Design/methodology/approach&#13;
The study employed a probit model with marginal effects and a generalized Blinder-Oaxaca decomposition estimation on a randomly selected data of 1,239 entrepreneurs from eight commercial banks’ credit records about their individual, firm and loan characteristics.&#13;
Findings&#13;
The study revealed that credit rationing persists and that applying for a relatively longer payment period, providing collateral and guarantor, being illiterate, being relatively older and being in the agricultural sector increases the likelihood of being credit rationed, while having some relationship …</text>
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                <text>Microeconomic determinants of privates of private inward remittances to households in Ghana: a case study</text>
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                <text>This paper examined the microeconomic determinants of inward remittances of migrants to their respective households at home. It looked at the likelihood that a migrant will remit home with regards to the household size, the monthly income of the household, the sex of the migrant, whether the migrant has an immediate family at home, obligation, among other things. Questionnaires were administered to recipients of such remittances. A total of 61 responses were used to determine the likelihood. Logit estimation was then run and the results showed that insurance and exchange were theories explaining the motive to remit. It also found the household size and the number of years of stay of the migrant in the host country to be significant in explaining the likelihood to remit. The conclusion drawn from this paper is that it is important to look at determinants to remit by looking at the actual situation of the country understudy with regards to its social, cultural and traditional settings as well as their economic situations since these factors determine the propensity to travel abroad and hence determining the motive to remit. Nonetheless these findings would serve as a basis and a guide for studying and improving in the alleviation of poverty as well as the development impact of remittances on the countries concerned. It will also serve as literature and a guide for future study.</text>
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                <text>Borrower–lender relationship and access to commercial banks’ credit market</text>
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                <text>Frank Gyimah Sackey</text>
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                <text>The study examined the extent to which borrower–lender relationships affect the rationing behavior of commercial banks in Ghana. A cross-sectional panel data comprising 14 commercial banks were used for the study. Using the classical linear regression model our results showed that borrowers who have long-term relationships with the banks received more credit at reduced interest rates. It was also observed that years of experience in business, gender, age, sector of business, value of assets, profits and loan maturity period were the significant factors influencing the rationing behavior of the commercial banks. The overall results are quiet revealing, and points to the fact that the long-term borrower–lender relationships lead to some level of trust and confidence between the borrower and the lender that comes with its accrued benefits.</text>
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                <text>Taylor &amp; Francis</text>
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                <text>Essays on microfinance institutions and human capital</text>
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                <text>Frank Gyimah Sackey</text>
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                <text>The real wealth of every nation is its people and this is the belief of the United Nations, with its</text>
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