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                <text>Effective transport systems are critical in the socio-economic development of nations. Globally, there is a wide recognition of the need to put in place adequate measures to achieve sustainable transport systems for the greater good of society. To do this, requires an awareness of the myriad of challenges faced by stakeholders in the transport sector. Against this background, the researchers sought to explore the transportation challenges companies in Ghana face using Sekondi-Takoradi Metropolis (STM) as a case. The study adopted the mixed methods approach with descriptive survey as the design. A total of 85 employees of three companies in the Metropolis was involved in the study through census data collection method. The research instruments used were questionnaire and interview guide whilst percentages, means, standard deviation and thematic analytical tools were employed for the study. The study discovered that the greatest transport management challenge in the Metropolis is the general lack of transport management experts. Other challenges include high cost of transport operations, poor vehicle maintenance, ineffective transport policies in organizations and weak transport infrastructure in the Metropolis. It is recommended that companies in STM should put in place proper training and development programs to address the skill gaps in inherent in their transport management systems.</text>
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                <text>Exploring the contributions of microfinance institutions to the ghanaian economy: a study at Takoradi</text>
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                <text>Micro-Finance Institutions (MFIs) play an important role in making services available to the financially excluded masses, especially the needy and the informal sector. MFIs do not only have a considerable influence in reducing poverty but also the ability to do that sustainably. These institutions predominantly are regarded to be critical tools for growth in battling poverty and over-reliance on central and local governments, in several developing nations including Ghana. In spite of the above, MFIs face a number of challenges in Ghana, with the news of collapse of some MFIs which has become a cause for concern to various stakeholders. This tends to create some doubts regarding the role MFIs play in the Ghanaian economy. Using Takoradi as a case, this study sought to examine the views of operators and employees of MFIs with regard to the contributions of the institutions to the economy of Ghana through descriptive survey design in a quantitative research approach. The researchers adopted the purposive and simple random sampling techniques in selecting 114 respondents for the study, with questionnaire as the research instrument. Analytical tools used for the study were frequencies, percentages and an independent sample t-test. The study revealed that in terms of their types based on client base, most microfinance institutions operating in the city targeted SME operators. Also, based on their services, MFIs in the city were grouped into individual lending, group lending, compulsory and voluntary savings, among others. Again, the study found that MFIs in Takoradi contribute variously to the local economy including provision of financial …</text>
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