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                <text>The use of computer technology has become very useful in our educational institutions as compared to the traditional learning. Today university’s nowadays use e-learning modules to support their education systems. Yet still most researches do not consider multiple stakeholder perspective when dealing with topics on e-learning. Some studies only focus on a single stakeholder among the main categories of stakeholders thus learners, lecturers, administrators. In addition, some literatures also miss the multi factor of the adoption of e-learning which is the technological organisational and environmental. This study therefore discusses the antecedent and the consequences of the e-learning and uses the TOE framework to explore the approach from the multiple stakeholder perspective on the adoption.&#13;
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                <text>Agile Software Engineering</text>
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                <text>Orit Hazzan and Yael Dubinsky</text>
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                <text> Assessing the Influence of Petroleum Pricing and Deregulation on Ghana’s Downstream: A Case Study of Selected OMCS and BDCS </text>
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                <text>The price liberalization of petroleum products was considered a good policy direction years ago, but it seems to be losing its relevance today. Thus, the study assessed the influence of petroleum pricing and deregulation on Ghana’s downstream in current times. The specific objectives of this study were to; examine the current nature of Ghana’s petroleum retail price deregulation policy in the downstream sector; assess the current overall implications of petroleum price deregulation on OMCs and BDCs in Ghana and explore profitable business operations adopted by OMCs and BDCs after post deregulation. &#13;
The study employs descriptive methods research design. The research approach used mixed research which employs both quantitative and qualitative approaches. The study population is made up of 116 Oil Marketing Companies (OMCs) and 33 Bulk Distribution Companies (BDCs) which sums the study population to 149 companies. In determining the sample size for administering the questionnaire confidence level of 95% with a margin of error of 5% of the population was calculated to result in 108 respondents representing the population. The sample size for the interview was 3 respondents as officials from the National Petroleum Authority, Association of Oil Marketing Companies and the Ministry of Energy were interviewed. Thus, the total sample for the study was 111 respondents. &#13;
The study concludes that the current nature of Ghana's petroleum retail price deregulation policy in the downstream sector is more centered on taxation and revenue generation for the country. Also, the implications of price deregulation policy on OMCs and BDCs are increased market competition, improved services, increased cost of operations, reduced profit margins, customer complaints about prices, no shortages of petroleum products, inability to generate &#13;
adequate funds, political interference, more taxes, stricter monitoring, and boost of economic recovery. Further, the study concludes that the profitable business operations OMCs and BDCs have adopted are buying cheaper products on the market, buying, and selling quality petroleum products, providing additional services to clients, advertisement, and promotions.</text>
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                <text>Ghana Communication Technology University Library</text>
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                <text>Riverson Oppong, (Phd)</text>
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                <text>Sharing Ecosystem Services Building More Sustainable and Resilient Society</text>
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                <text>Osamu Saito</text>
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                <text>Factors influencing consumer loyalty: evidence from the Ghanaian retail banking industry</text>
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                <text>Osaretin Kayode Omoregie, John Agyekum Addae, Stanley Coffie, George Oppong Appiagyei Ampong, Kwame Simpe Ofori</text>
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                <text>Purpose&#13;
The increasing number of banks in the Ghanaian banking industry has brought about intense competition in the industry. The purpose of this paper is, therefore, to examine the factors that influence retail banking customers’ loyalty intentions.&#13;
Design/methodology/approach&#13;
In order to validate the proposed research model, the study adopts a survey design. Data were collected from 565 customers of the top performing banks in terms of customer deposits. Data analysis employed the partial least squares structural equation modeling (PLS–SEM) using SmartPLS version 3.&#13;
Findings&#13;
Results from the PLS–SEM analysis indicated that satisfaction, service quality and trust had significant effect on loyalty, with satisfaction having the most significant effect. Interestingly corporate image was found to have a significant effect on both satisfaction and trust but not on loyalty. In all, the proposed model accounted for 63.3 …</text>
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