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                <text>Lluís Díaz Serrano, Frank G Sackey</text>
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                <text>This study sets out to examine the extent to which access to credit and credit rationing are influenced by the microfinance type based on the major factors determining micro, small and medium enterprises’ access to credit from microfinance institutions in the era of financial liberalization. The data for the study were gleaned from the microfinance institutions’ credit and loan records consisting of the various pieces of information provided by the borrowers in the application process. Our results are puzzling and show that credit rationing is not influenced by the microfinance types but by the individual microfinance institutions. Keywords: Microfinance, Ghana, Credit Rationing. JEL codes: G21</text>
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                <text>This study sets out to examine the extent to which access to credit and credit rationing are influenced by the microfinance type based on the major factors determining micro, small and medium enterprises’ access to credit from microfinance institutions in the era of financial liberalization. The data for the study were gleaned from the microfinance companies’ credit and loan records consisting of the various pieces of information provided by the borrowers in the application process. Our results are puzzling and show that credit rationing is not influenced by the microfinance types but by the individual microfinance companies. Our results also show that the Government microfinance company is the least severe in the rationing behavior.</text>
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                <text>Abstract© 2017,© 2017 Informa UK Limited, trading as Taylor &amp; Francis Group. This study sets out to examine the extent to which access to credit and credit rationing are influenced by the microfinance type based on the major factors determining micro, small and medium enterprises’ access to credit from microfinance institutions in the era of financial liberalization. The data for the study were gleaned from the microfinance companies’ credit and loan records consisting of the various pieces of information provided by the borrowers in the application process. Our results are puzzling and show that credit rationing is not influenced by the microfinance types but by the individual microfinance companies. Our results also show that the Government microfinance company is the least severe in the rationing behavior.</text>
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                <text>Microstructural and physicofunctional characterization of starches from selected cowpea (Vigna unguiculata L. Walp) varieties developed for pest and disease resistance</text>
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                <text>C Atuobi, E Sakyi-Dawson, S Sefa-Dedeh, EO Afoakwa, AS Budu</text>
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                <text>The microstructure, physico-chemical and functional properties of legume starches affect their cooking quality as well as the texture and rheological behaviour of foods processed from them. Thus, this study sought to establish the microstructural, physico-chemical and functional properties of the native starches of four cowpea varieties-Bengpla, Asetenapa, Asontem and CR-06-07, that have been developed against disease and pest infestation. The starches were extracted from the cowpeas and their gelation capacity, pasting characteristics, solubility, swelling volume and swelling power were studied using standard analytical methods. Microstructures of the starches were examined using light microscopy. Isolated starch granules from the microstructural examination showed irregular shapes with predominance of spheroid and oval forms in varying sizes. Starch granule sizes ranged from 1.9 mm in Asetenapa to 2.9 mm in Asontem. Swelling power, solubility and swelling volume at 95 C was highest in Bengpla with Asetenapa recording the lowest. However Asontem had the highest value in terms of solubility. With the exception of gelation capacity, significant differences (P≤ 0.05) were observed in all the studied parameters amongst the different cowpea varieties. Thus, the cowpea starches showed wide variations in microstructure, physico-chemical and functional properties among the studied varieties and these could be used in the selection of the varieties for specific food processing applications.</text>
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                <text>2011</text>
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                <text>Microstructure and mechanical properties related to particle size distribution and composition in dark chocolate</text>
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                <text>Emmanuel Ohene Afoakwa, Alistair Paterson, Mark Fowler, Joselio Vieira</text>
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                <text>Composition in dark chocolate was varied and the effects determined on microstructure, using light microscopy, and mechanical properties of molten and tempered chocolates, using a TA.HD Plus Texture Analyser. Compositional parameters were particle size distribution (PSD) (D90 of 18, 25, 35 and 50 μm), fat (25%, 30% and 35%) and lecithin (0.3% and 0.5%) contents. Micrographs revealed wide variations in sugar crystalline network structure and inter-particle interaction strengths related to PSD and fat level. Samples containing 25% fat had more crystal agglomerates, well flocculated with greater particle-to-particle interaction strengths than those with higher (30% and 35%) fat contents. Increasing the D90 to 35–50 μm caused broadening of the PSD, with particles becoming coarser, which were similar at all fat levels. Mechanical analysis showed that PSD, fat and lecithin content significantly influenced …</text>
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                <text>https://academic.oup.com/ijfst/article/44/1/111/7864804</text>
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