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                <text>This study is designed to investigate the rationing behavior of Commercial banks in Ghana, by looking at the effect of chosen variables on the amount of loan realized even in the era of interest rate liberalization. A single equation model involving a categorical random dependent variable, being the amount of loan realized and security value, 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 exogenous variables are jointly significant in explaining the dependent variable. The results suggest that even though interest rates may be liberalized as a way of ensuring credit allocation, the Commercial Banks would still ration out credit. It is therefore suggested, that there is the need for the government to play an active role in the financial sector and the banks to intensify their monitoring systems of …</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>Determinants of Leverage in Ghana: Evidence from listed Manufacturing and Trading Sector Companies</text>
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                <text>The paper examines the effect net profit, firm size, tangibility, firm growth and risk have on leverage of manufacturing and trading sector companies listed on the Ghana Stock Exchange during the period 2005 to 2014. The paper relied on published financial statements of the listed manufacturing and trading companies for the period. Using a panel regression model, the study found a significant negative relationship between firm size and leverage as well as growth and leverage. Profitability established a negative and insignificant relationship with leverage. An insignificant positive relationship was found between tangibility and leverage and an insignificant positive relationship was also found between risk and leverage. The study suggests listed manufacturing and trading companies should apply the pecking order theory in their capital structure decisions and favor internal source of funds for their financing needs.</text>
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                <text>Due to the direct impact of manufacturing firms’ performance to economic stability, there is the need for special attention to examine factors that affect the manufacturing firms’ profitability (Akbas &amp; Karadinan 2012).&#13;
According to Opondo (2004), most studies has examined the determinants of profitability of firms considering variables such as capital structure, cash liquidity, firm size, and financial leverage in other countries but however, much has not been done in the Ghanaian context.&#13;
This study assesses the determinant of financial performance of listed manufacturing firms in Ghana. &#13;
The study used quantitative research approach and explanatory research design. Purposive sampling technique was used to select eight manufacturing companies out of the total population of thirteen listed manufacturing firms. The study used only secondary source of data (audited financial statements) for five year period, from 2011 to 2015. Also, correlation analysis was used to assess the collinearity between the dependent variables thus Return on Equity (ROE) and Return on Asset (ROA) and the independent variables such as financial leverage, cash&#13;
liquidity, firm size, inflation and exchange rate, while the regression analysis indicates the effect of the independent variables on the dependent variables.&#13;
The result highlighted a negative significant relationship between financial leverage and ROE&#13;
and ROA. Also, cash liquidity recorded established a positive insignificant relationship of ROE and ROA. Firm size establishes a positive significant relationship of ROE and ROA, inflation establish a significant negative relationship of ROE and ROA and also, exchange rate volatility establish a significant negative relationship of ROE and ROA.</text>
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                <text>Due to the direct impact of manufacturing firms’ performance to economic stability, there is the need for special attention to examine factors that affect the manufacturing firms’ profitability (Akbas &amp; Karadinan 2012). According to Opondo (2004), most studies has examined the determinants of profitability of firms considering variables such as capital structure, cash liquidity, firm size, and financial leverage in other countries but however, much has not been done in the Ghanaian context. This study assesses the determinant of financial performance of listed manufacturing firms in Ghana. The study used quantitative research approach and explanatory research design. Purposive sampling technique was used to select eight manufacturing companies out of the total population of thirteen listed manufacturing firms. The study used only secondary source of data (audited financial statements) for five year period, from 2011 to 2015. Also, correlation analysis was used to assess the collinearity between the dependent variables thus Return on Equity (ROE) and Return on Asset (ROA) and the independent variables such as financial leverage, cash liquidity, firm size, inflation and exchange rate, while the regression analysis indicates the effect of the independent variables on the dependent variables.&#13;
The result highlighted a negative significant relationship between financial leverage and ROE and ROA. Also, cash liquidity recorded established a positive insignificant relationship of ROE and ROA. Firm size establishes a positive significant relationship of ROE and ROA, inflation establish a significant negative relationship of ROE and ROA and also, exchange rate volatility establish a significant negative relationship of ROE and ROA.</text>
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                  <text>Faculty of Computing and Information Systems</text>
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                <text>Determinants of Students Utilisation of Computer Information Retrieval System in Academic Libraries: Evidence from Ghana</text>
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                <text>Patrick Acheampong, Li Zhiwen, Ruhiya Abubakar, Henry Asante, Michael Owusu Akomeah Antwi</text>
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                <text>A number of educational institutions and libraries have established computerized information retrieval systems (CIRS) to help students to easily identify resources for their academic pursuit. The study investigates and retests the Unified Theory of Adoption and Use of Technology as a model for explaining technology (UTAUT) use among library users in the University of Ghana (UG). A questionnaire with 31 items based on the UTAUT study of (Venkatesh et al. 2003) and analysed on a 7 point Likert Scale was distributed to students using the Balme Library–University of Ghana. The results reveal that many students judge their ability to use the computer information retrieval system to accomplish the specified task as poor due to nonfamiliarity with the system. It is noted that a lot of students also doubt the ability of the system to provide the required responses they are looking for. This may be due to misconceptions from previous experiences or information gained from other people who have not been successful in using the information retrieval system. The study recommends that the Library incorporates the basic skills of interacting with the CIRS in its orientation programme to give students an acceptable perception of the CIRS.</text>
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                <text>https://scholar.google.com/citations?view_op=view_citation&amp;amp;hl=en&amp;amp;user=KuGpI3oAAAAJ&amp;amp;cstart=20&amp;amp;pagesize=80&amp;amp;citation_for_view=KuGpI3oAAAAJ:j3f4tGmQtD8C</text>
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                  <text>Faculty of Computing and Information Systems</text>
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                <text>Determining and forecasting financial inclusion in Northern Ghana using discriminant analysis</text>
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                <text>Issahaku Yakubu, Romanus Dinye, Daniel Buor, Wahab A Iddrisu</text>
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            <description>An account of the resource</description>
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                <text>Poverty and income inequality remain a serious challenge in Northern Ghana. Given the causal link between financial inclusion and poverty reduction, this paper aims at estimating a discriminant function model to analyze the determinants of financial inclusion in Northern Ghana. The study is mainly based on primary data elicited through survey questionnaires. Even though the minimum sample size was determined to be 385 households, a total of 400 households were selected systematically, out of which 395 households returned their questionnaires for analysis. The estimated discriminant function model was found to be significant at the 1% level of significance. It was also found that, the most significant determinants of financial inclusion in Northern Ghana (in order of importance) are “Age”,“Cost”,“Capability”,“Literacy”,“Distance”, and “Employment”. Overall, 72.4% of the cases were correctly classified by the estimated model. This paper therefore concludes that there is the need for Government and donors to make coordinated efforts towards addressing these determinants so as to broaden financial inclusion, thereby contributing to poverty reduction and lower income inequalities in the area.</text>
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                <text>https://scholar.google.com/citations?view_op=view_citation&amp;amp;hl=en&amp;amp;user=ECTxVnYAAAAJ&amp;amp;citation_for_view=ECTxVnYAAAAJ:9ZlFYXVOiuMC</text>
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            <element elementId="50">
              <name>Title</name>
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                  <text>Faculty of IT Business</text>
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                <text>Determining mobile money service customer satisfaction and continuance usage through service quality</text>
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                <text>, Robert Ebo Hinson</text>
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                <text>Mobile money service is a major retail financial service provided by telecommunication firms and formal banking institutions in many countries in Sub-Saharan Africa. The increased patronage of mobile money services demands that telecommunication firms enhance the quality-of-service delivery they offer in order to stay competitive. The purpose of this paper is to investigate the service quality factors that influence customer satisfaction and continuance usage of mobile money services. Data were collected from 494 users of mobile money services. Using structural equation modeling, this study tested hypotheses on the effect of service quality variables on customer satisfaction and continuance usage of mobile money services. The findings indicate that the availability of services, facilities, and security influence customer satisfaction, whereas the expertise of the service provider, the operator’s network system, and responsiveness influence continued use of mobile money services. The findings of this study will assist mobile money service providers and policymakers in planning services that will increase customer satisfaction and retention. The study contributes to identifying service quality constructs that influence customer satisfaction and continuance usage in the mobile money context</text>
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                <text>https://link.springer.com/article/10.1057/s41264-021-00138-5</text>
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              <name>Title</name>
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                  <text>Faculty of Computing and Information Systems</text>
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                <text>Determining the mediating effects of trust on e-payment readiness in Ghana: Consumers’ Perspective Analysis</text>
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                <text>Isaac Asare Bediako Patrick Acheampong, Li Zhiwen, Anthony Akai Acheampong Otoo, Henry Asante Antwi, Frank Boateng</text>
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                <text>Transitioning from a cash-based economy to digital or cashless economy requires that business entities build a more friendly customer relationship strategy whiles ensuring their security. This study sought to integrate trust and the Technology Readiness Index to determine their respective influence on e-payment adoption. The finds sheds light into how potential factors influencing e-payment adoption and for that matter measures to overcome these challenges. The study indicates that high personal optimism about technology in general leads to high trust of an e-payment technology. Further, high personal innovativeness about technology in general leads to higher trust of an e-payment technology. The findings suggest that low personal discomfort about technology in general leads to lower trust of an e-payment technology. Finally, it is established that low personal insecurity about technology in general leads to lower trust of an e-payment technology.</text>
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                <text>2018</text>
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              <elementText elementTextId="18263">
                <text>https://scholar.google.com/citations?view_op=view_citation&amp;amp;hl=en&amp;amp;user=KuGpI3oAAAAJ&amp;amp;citation_for_view=KuGpI3oAAAAJ:hFOr9nPyWt4C</text>
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                <text>English</text>
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