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                <text>Blended Learning Adoption in Higher Education: Presenting the Lived Experiences of Students in a Public University from a Developing Country.</text>
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                <text>Ahmed Antwi-Boampong</text>
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                <text>The concept of Blended Learning (BL) is gaining widespread attention in Ghana as many public universities' switches into this delivery format. The paper investigates the BL experiences of students from a public university and among other things presents their views relative to the determinants of BL adoption and the barriers encountered out of the experience. The paper adopts a qualitative case study methodology and purposively interviews 15 students from a BL class of 57 students. The analysis was done using Thematic analysis techniques. The findings presented in this paper indicate that the students in the BL class hold a positive perception of BL. Insights into the perspective of the respondents show that students view BL as an approach that is convenient, flexible and among other things facilitate learning beyond the limitations imposed by the classrooms. Also, BL is viewed as an effective pedagogic tool that allows learning to take place in a socially constructive manner through</text>
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                <text>Sakarya University. Esentepe Campus, Adapazari 54000, Turkey</text>
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                  <text>Faculty of Computing and Information Systems</text>
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                <text>Blockchain Maturity of Ghanaian Financial Institutions and Their Readiness to Adopt Distributed Ledger for KYC Processes</text>
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                <text>Forgor Lempogo, Willian Leslie Brown-Acquaye, Millicent Agangiba, Daniel Selassie Kwasi Twumasi</text>
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                <text>Although information technology has positively influenced operations in the Ghanaian financial sector, there is still a high operational cost in performing KYC procedures due to duplication of efforts during clients' onboarding. The decentralized nature of blockchains makes them ideal for addressing these challenges. In this paper, the blockchain maturity model was used to assess the maturity and readiness of Ghanaian banks to adopt blockchain technology for KYC processes. Using primary data obtained via questionnaires and interviews, the individual components of the blockchain maturity model were assessed. The results indicate that the network, hardware, and software components are at repeatable, defined, and managed stages, respectively, while the people component lags in the initial stage due to a lack of adequate staff training. Finally, security and privacy are at the defined stage, whereas policy and …</text>
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                <text>IGI Global</text>
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                <text>Blockchain-Ready Port Supply Chain Using Distributed Ledger</text>
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                <text>David King Boison, Ahmed Antwi-Boampong</text>
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                <text>Blockchain technology, as a bedrock for distributed ledgers, offers a platform for innovation for a new decentralized and transparent transaction machinery in industries and businesses, and the port is not an exception. The inbuilt features of this technology enrich trust through transparency and traceability within any transaction of data, goods, services, and financial resources. Notwithstanding initial doubts about this technology, lately government and large corporations have offered to adopt and enhance this technology in various fields of applications, from social and legal industries, and finance to design, maritime and port networks. In this paper, the authors review the current status of the Blockchain technology and some of its applications. The potential benefit of such a technology in port and maritime supply chain is then discussed, and a vision for the future Blockchain ready port and maritime supply chain are proposed. The importation of containerized vehicles is used as an example to demonstrate how such technology can be deployed in a global port industry. Finally, the requirements and challenges to adopt this technology in the future in relation to, port and maritime systems are discussed.</text>
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                <text>Board, gender diversity and firm performance</text>
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                <text>Eric Atta Appiadjei, George Oppong Ampong, Fredrick Nsiah</text>
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                <text>The article examined Board Gender Diversity and Firm Performance. Covering the 34 listed companies on the Ghana’s capital market over the period 2010 to 2014. It observed that women are poorly represented on the corporate boards of listed firms in Ghana. Highest female board representation was the financial services industry with 16%. Trading, Pharmaceutics and IT industries appointed only 1% female to boards, Automobile industry had none. Age and female board representation relationship depicts a trigonometric function in nature, younger firms tend to appoint more women than firms established forty years ago. Age of listing and female board representation depicts quadratic function in nature, as firms initially enters capital market, female board representation increased and falls overtime. Local firms appointed 38%, whiles multinationals appointed 62% female boards. Multinationals appointed more women to boards in Ghana. Regression analyses observed that, a unit increase in the ratio of women on a firm’s board, return on equity increased proportionately by 21.6. Additionally, a unit increase in female board ratio, net profit margin increased proportionately by 18.2.</text>
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                <text>International Journal of Economics, Commerce and Management</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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