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                <text>Determinants of credit rationing to the private sector in Ghana: A case study of some commercial banks in the Greater Accra Region of Ghana</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>This design-based research (DBR) investigates the redesign of a 13-month interdisciplinary teacher preparation program to co-prepare secondary and special education teacher candidates to plan and implement evidencebased practices to meet content and literacy needs of all learners within secondary classrooms. The Theory of Change explores mechanisms for change under the umbrella of Universal Design for Learning (UDL). The UDL framework can support teacher candidates in meeting the needs of students with exceptionalities in the general education classroom, yet few studies have explored the in-depth application of UDL in authentic settings across preparation program duration. DBR methods organize study design, iterative data collection, and retrospective analysis of artifacts including candidates' edTPA portfolios and action research papers. Findings revealed strengths and challenges in candidates’(n= 14) application of components. Results for specific components and various disciplines are discussed. Implications for collaborative preparation of general and special education candidates are identified.</text>
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                <text>Frank Gyimah Sackey, Akotey Joseph Oscar</text>
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                <text>This study is designed to examine the effects of share pricing on firm’s performance. Net profit earnings of the firm&#13;
was used as the dependent variable for the study whilst the independent variables constituted some characteristic&#13;
indicators that can affect the firm’s performance such as earnings per share, return on equity, return on assets, return&#13;
on investments and overheads. Five listed companies namely; the Ghana Commercial Bank, Enterprise Insurance,&#13;
Mechanical Lloyd, Aluworks Ghana Limited and Standard Chartered Bank were used for the study. A random&#13;
model was used to test for the effects of the various variables on firm’s performance using a panel data. The results&#13;
show that earning per share was significant and positive in explaining firm’s performance whilst return on&#13;
investment and overheads were significant but negative in explaining firm’s performance. Return on assets and&#13;
return on equity were however, insignificant in explaining firm’s performance. it is therefore recommended that&#13;
firms trade on the stock exchange to attract more shareholders through their share pricing as this will enable them to&#13;
increase their capital gain as well as the public patronizing not only in their shares but also being part of them and&#13;
hence patronizing their products since they will have a stake in it.&#13;
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                <text>Determinants of commercial banks profitability in Ghana:panel evidence from 1999-2008</text>
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                <text>Frank Gyimah Sackey, Anthony A Ahiawodzi</text>
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                <text>The Development Universal Consortia</text>
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                <text>Firm characteristics and asymmetric information based credit rationing in an emerging economy: a gender perspective</text>
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                <text>Frank Gyimah Sackey, Asravor. Richard Kofi, Emmanuel Orkoh, Isaac Ankrah</text>
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                <text>Micro, Small and Medium firms’ credit access remains a dilemma though the financial sector has been liberalized. This paper investigates the factors influencing credit rationing and how variations in the characteristics of firms owned by different genders contribute to credit rationing. The study utilizes probit estimation with marginal effects, Fairlie counterfactual and decomposition analysis to analyze both credit rationing and the extent to which the credit rationing gap is influenced by differences in gender endowments and discrimination using 1,430 firms’ owners’ loan applications randomly selected from eight (8) commercial banks. Our results show that borrowers having more years of experience, external market access, proximity to lender, being older and being male are not likely to experience credit rationing. Borrowers in the agricultural sector, with long term loans, who lack formal education, run labor-intensive …</text>
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                <text>Investigating the impact of institutional quality under the petroleum price deregulation policy regime on the economic growth of Ghana</text>
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                <text>Frank Gyimah Sackey, Emmanuel Orkoh, Mohammed Musah</text>
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                <text>The importance of institutional quality as a means of influencing economic growth is being given much attention. This paper examines the extent to which institutional quality under the price deregulation policy in Ghana impacts GDP growth. The study employs the Bayesian linear regression and the auto regressive distributed lag (ARDL) models in estimating a quarterly data that spans from the first quarter of 2005 to the fourth quarter of 2022. We observe that an increase in petroleum prices increases GDP growth by 0.3 units in the long run while an increase in inflation reduces GDP growth by 0.6 units in the short run. Again, we observe that in the short run an increase in foreign direct investment increases GDP growth by 3.24 units. The interactions of petroleum prices and institutional quality on the other hand reduces GDP growth in the short run by 0.91 but tend to increase GDP growth by 1.45 which is …</text>
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                <text>Investigating the impact of institutional quality under the petroleum price deregulation policy regime on the economic growth of Ghana</text>
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                <text>Frank Gyimah Sackey, Emmanuel Orkoh, Mohammed Musah</text>
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                <text>The importance of institutional quality as a means of influencing economic growth is being given much attention. This paper examines the extent to which institutional quality under the price deregulation policy in Ghana impacts GDP growth. The study employs the Bayesian linear regression and the auto regressive distributed lag (ARDL) models in estimating a quarterly data that spans from the first quarter of 2005 to the fourth quarter of 2022. We observe that an increase in petroleum prices increases GDP growth by 0.3 units in the long run while an increase in inflation reduces GDP growth by 0.6 units in the short run. Again, we observe that in the short run an increase in foreign direct investment increases GDP growth by 3.24 units. The interactions of petroleum prices and institutional quality on the other hand reduces GDP growth in the short run by 0.91 but tend to increase GDP growth by 1.45 which is …</text>
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                <text>The purpose of this paper is to examine the effects of Financial Sector Development on Economic Growth in Ghana using the Johansen Co-integration analysis. The paper examines empirically the causal link between financial sector development and economic growth in Ghana. The Johansen Co-integration techniques within a bi-variate vector auto-regressive framework were used for the regression. Using a quarterly time series set of data on Ghana over a ten year period (2000–2009), the result of the study shows that, there is a statistically significant positive relationship between the Financial Sector Development and Economic Growth in Ghana. This outcome is in line with the results found for most of the literature reviewed. It is recommended that Government should encourage competition in the financial sector and micro finance development as these will improve and increase outreach and access to credit at a lower cost. This will boost private sector development and investments which is the engine of growth and development. This study will help policy makers in decision making as well as serve as a source of reference for further studies. Further studies are recommended to increase the frontiers of this study. Further research on the role of financial sector developments–following Hasan et al.(2006)–is warranted in order to gain a more conclusive understanding of the finance-growth nexus in a transitional country like Ghana.</text>
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                <text>The abuse of incumbency during elections in order to retain power by ruling governments has become a contentious issue in political economics. This study was set to examine the effect elections and other macroeconomic variables on growth in Ghana. Data for the estimation was collected for the period, 1992-2010, during which Ghana has had an uninterrupted democratic elections. The results of the analysis show that political cycles do not exist in Ghana, which lends support to the views of (Ito and Park, 1999; Alesina et al, 1992, 1993; Brender and Drazen, 2005). Nonetheless, pre-election manipulations of some sort is a common phenomenon as its manifestation becomes glare as abuse of incumbency is noticed even though data do not suggest so. The implication is that abuse of incumbency may exist but not to the extent that creates political cycles.</text>
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                <text>The impact of monetary policies in stimulating economic growth in Ghana: a cointegration approach</text>
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