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    IMPACT OF MACROECONOMIC VARIABLES ON THE FINANCIAL PERFORMANCE OF THE BANKS LISTED ON THE GHANA SECURITIES EXCHANGE
    (0200) DANIEL, BAWUMIA AYAABA
    One of the most important sectors in the economy constitutes the financial sector as it plays a pivotal function in providing information such as formulating, implementation, monitoring and evaluating macroeconomic variables, fiscal and financial policies for sustainable development (Ken Ofori Atta, 2020 midyear budget). There is the need to explore the impact of macroeconomic variables on the financial performance of the banks listed on the Ghana stock exchange because the ministry of finance engaged in the banking sector cleanup exercise between August 2017 and January 2020 when the country allowed indigenous banks to take over some non-performing banks in the country. This was to strengthen Ghana’s banking sector especially the banks in the Ghana stock exchange. The cleanup according to the government cost GH 11.7 billion as cited in the 2020 budget statement. The cleanup saw a reduction in the number of banks from 34 to 23 currently, whilst 347 microfinance institutions, 15 savings and loans and 8 finance houses had their licenses revoked. Six banks were merged into three banks. They were First Atlantic Merchant Bank Limited and Energy commercial Bank, OmniBank Ghana Limited and Sahel Sahara Ghana as well as First National Bank and GHL Bank Limited. The idea behind this research is to base on the past experience on the banking cleanup to restructure the financial sector specifically the banking sector, This is because the performance of macroeconomic variables are very low in terms of economic development. This can be done by accessing the macroeconomic variables such as inflation, exchange rate, interest rate, of the various banks on the Ghana stock exchange to know the impact, effect and influence on the financial sector of the economy. How well the objectives of a particular institution can be achieved in a specified amount of time can be defined as performance. Performance can be both financial and nonfinancial and hence in financial terms it is described as the ability to produce and sustain profits (European Central Bank, 2010). The general purpose of the study was to understand the impact of macroeconomic variables on the financial performance of the banks listed on the Ghana Securities Exchange. This study was guided by the following research questions: How does inflation rate affect the financial performance of banks listed in the GSE? To what extent does interest rate impact the performance of banks listed in the GSE? And how does exchange rate affect the financial performance of the banks listed in the GSE? An Explanatory research was adopted and the ratio approach was used as the study was seeking to explain the relationship between the independent variables – inflation rate, interest rate and dependent variables – bank performance. The target population for this study was all the banks listed in GSE from 2015 to 2020. These comprises Access Bank Ghana, Agricultural Development Bank, Cal Bank, and Ghana commercial Bank, Fidelity Bank, Standard Chartered Bank, Data Bank, Stanbic bank, Prudential Bank and United Bank for Africa. Census method of data applied. This study made use of the data available in the financial statements of the various banks data base. The first objective was to establish the Impact of inflation rate on the financial performance of banks. A return on investment analysis was done and it established a positive but insignificant ratio between the variables. The second objective was to assert the Impact of Interest Rate on the Performance of Banks. A return on investment analysis was done and it indicated a negative but insignificant ratio bеtwееn interest rate and financial performance. The third and the last objective was to analysis the effects of exchange rate on financial Performance of Banks Listed in the GSE.
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    ERROR ANALYSIS IN SOLVING WORD- PROBLEM OF ALGEBRA; A CASE OF PRE-TERTIARY SCHOOL STUDENTS IN THE ASUTIFI DISTRICT OF AHAFO REGION
    (2020) Korkor, Sarah
    Algebra word problems, in general, inculcate in learners the skills and ability to think critically and to look for answers to problems in society and the world at large. Using an explanatory sequential mixed design, the study investigated the errors made by Pre Tertiary students on Algebraic word problems in the selected school in the Asutifi North District of the Ahafo Region of Ghana. Whereas Newman Error Analysis Model was used to find the types of errors students make when translating and solving algebraic word problems, protocols from topics relating to the study were carefully selected and used as interview guide alongside with inspiration from Newman Error Analysis Model. Quota and simple random sampling techniques were used to select ninety-eight respondents. Algebraic Word Problem Achievement Test (AWPAT) was given to the ninety-eight students who had studied several topics on word problems, followed by a structured interview to elicit more information from the respondents. The scores gained from the marked test items illustrated that students made more transformation errors, which happened indirectly from lack of understanding of the concept. A careful analysis of the written responses of the five students interviewed also revealed that, lack of comprehension directly translated into students’ inability to transform algebraic word problems into mathematics equations. In the same vein, the study showed that the main cause of students’ inability to translate and solve algebraic word problems was students’ lack of understanding of the concept “word problem” among others. The study recommends that students should be motivated in the form of encouragements and praises to arouse their interest in translating and solving algebraic word problems.
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    MEDIATION AND MODERATION EFFECTS OF MOTIVATION AND TEACHING QUALITY ON THE RELATIONSHIP BETWEEN PEER TUTORING AND MATHEMATICS ACHIEVEMENT IN SENIOR HIGH SCHOOLS
    (2022) Boadu, Kwaku Samuel
    This research work examined the mediation and moderation effects of Motivation and Teaching Quality on the relationship between Peer Tutoring and Mathematics Achievement in Senior High Schools at Kumasi Metro. The study design adopted was descriptive survey. The target population was first and second-year students of Kumasi Senior High Technical School and Kumasi Academy Senior High School. Through disproportionate stratified and Simple random sampling techniques, questionnaires were administered to 350 first and second-year students. The data collected was analyzed using Structural Equation Model (SEM) with bootstrap samples. The study found that peer tutoring had a direct positive impact on mathematics study achievement among senior high school students (β = 0.701; C.R. = 4.125). The study also ascertained that peer tutoring had a direct positive impact on motivation among senior high school students (β =0.349; C.R.=5.140). It was also discovered that motivation had a direct positive impact on the mathematical performance of high school students (β = 0.250; C.R. = 3.305). The results of this study showed that motivation partially mediated the relationship between peer tutoring and mathematics achievement in senior high schools. However, the moderation effect of teaching quality on the relationship between peer tutoring and mathematics achievement was statistically significant at 5%. The study suggested that Peer tutoring has to be universal accepted as a teaching approach and learning on the way to improve students' emotions of fulfilment and help them expand self-assurance in mathematics through direct participation. Students should be allowed to form discussion groups where peer learning should be advocated, in particular at the end of every topic to enhance their performance
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    Assessing The Effects Of Electronic Transfer Levy On The Economic Performance Of Small And Medium Enterprises (Smes) Within The Kumasi Metropolis
    (2022) Abolga ,Esther
    The study was on assessing the effects of electronic transfer levy on the economic performance of small and medium enterprises (SMEs) within the Kumasi Metropolis. Small and Medium-sized Enterprises (SMEs) serve as vital economic stimulators in developing and developed economies. However, several factors including high energy costs and taxing practices hamper these businesses growth and expansion. Essentially, taxation or taxing practices are those multiple payments obligations placed on SMEs by the state. This study assesses the effects of electronic transfer levy as an element of tax on the economic performance of Small and Medium Enterprises (SMEs) within the Kumasi Metropolis with specific focus on whether the new levy on Mobile Money Transfers has significant implications on SMEs profitability, investment decisions, and cash flows. The quantitative research approach was used, maximizing questionnaire as the research instrument. The sample size included the Accountants, Auditors, Secretary, Managers and CEOs of SMEs. Data was analyzed using the Statistical Product and Service Solutions (SPSS, 22.0). The findings showed that e-levy has negatively affected SMEs’ daily sales, cash flows and profits represented by 43.1% and 40.1% respectively. The study concluded e-levy has adverse effect on SMEs’ operations in Ashanti region and recommended that policy makers should exempt SMEs from the e-levy transactions these will eventually encourage growth and expansion of SMEs and the economy at large.
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    THE MEDIATING EFFECT OF TEACHERS’ MOTIVATION ON TEACHING QUALITY AND TEACHING RESOURCES AS A PREDICTOR OF STUDENTS’ MATHEMATICS ACHIEVEMENTS
    (2022) Amoasi, Patrick
    This study looked at the mediating effect of teachers’ motivation on teaching quality and teaching resources as a predictor of students’ mathematics achievement. The study area was Assin North, Assin South, Assin Central, Upper Denkyira East and Upper Denkyira West districts in the Central region of Ghana. The study respondents were mathematics teachers from senior and junior high school from the above districts. The sample from the population were selected by stratified sampling from the various district and in each stratum, simple random sampling was employed to select forty (40) participants. In all, two hundred (200) mathematics teachers formed the sample for this study. Adapted questionnaire items on the four main constructs (teacher motivation, teaching resources, teaching quality and students’ mathematics achievement) were used as the data collection tool. Data analysis was done using Structural Equation Model (SEM) from Amos (version 23). The statistical tool employed were Exploratory Factor Analysis, Confirmatory Factor Analysis, Direct Path Effect, Discriminant Validity and Indirect Effect Analysis. From the research questions, the findings revealed that teaching quality and teaching resources partially mediate students’ mathematics achievement through teacher motivation. The study also found out that teaching resources, teacher motivation and teaching quality have direct positive effect on students’ mathematics achievement. It was suggested based on the findings that, adequate teaching resources such as textbooks, multimedia, videos lessons, proper laboratories, classrooms, computers among other should be made available in all schools to improve students’ mathematics achievement.
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    TEACHERS’ PERCEPTIONS OF PROFESSIONAL LEARNING COMMUNITIES ON INSTRUCTIONAL DESIGN: A CASE STUDY AT KWABRE EAST MUNICIPALITY
    (2022) Aduama, Samuel
    The millenial tteaching and learning activities is now seen as the move away from the Traditional Professional Development where the learners‟ learning depends on the teachers‟ learning all the time. This has called for teacher professional learning communities to allow teachers to continuously collaborate on issues pertaining to their teaching activities and learn from each other to make them competent, efficient and effective in their daily teaching activities. Base on the knowledge and skills of the researcher, gave him the courage to undertake such a study in the area. The researcher employed the mixed method (convergent parallel) base on the concurrent triangulation design for the study having in mind the problem description and the objectives of the study. The study embarked on a cross sectional study (focused group). The researcher explored the study qualitatively then developed mixed methods instruments such as interviews, document analysis, observational methods and questionnaire for data collection and analysis for the study Data collection and analysis were iterative. The study revealed that, though the introductions of PLCs activities in the basic schools is a good initiative by the Ghana Education Service for the realisation of the objective of the government on the introduction of the new curriculum, the Ghana Education Service needed to implement the PLC on a pilot bases to be able to identify and solve the weaknesses before extending it nationwide.
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    INFORMATION SECURITY POLICY COMPLIANCE, WORKERS’ PERCEPTIONS, MOTIVATION AND BREACHING EFFECTS ON ORGANIZATION’S REVENUE
    (2022) Antwi Owusuwaa, Francisca
    It is generally conceived that the security of an organization’s information resources largely depends on compliance with the organization’s information security policies. Thus, this research investigates the employees’ perception of the importance of information security policy compliance, the factors that motivate them to comply with the policies, and the effects of the policy breaches on the organization’s revenue. A descriptive quantitative method was used to collect and analyze data from four different companies in the Ashanti region of Ghana, West Africa. The findings showed that information security policy compliance is very significant to ensuring the integrity, confidentiality, and availability of the information resources of an organization. Also, both intrinsic and extrinsic motivations influence employees to comply with security policies. The direct effects of security breaches on revenue were not ascertained however, the employees believed that it has effects on the capital growth of organizations. The study has placed much emphasis on the need for organizations to enforce compliance with information security policies.
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    INVESTIGATING THE EFFECT OF WI-FI ON STUDENT LEARNING IN GHANA: A CASE STUDY AT SENIOR HIGH SCHOOLS IN KUMASI METROPOLITAN ASSEMBLY
    (2022) Kotoka, Peace Gifty; (7201000010)
    The study aims at investigating the effect of Wi-Fi on student learning in Ghana: a case study at senior high schools in Kumasi Metropolitan Assembly. Cross sectional survey design was employed to accomplish the research aim and specific objectives. Multistage sampling procedure was used in the selection of respondents. The first stage selected six (6) Senior High Schools and the second stage involved the selection of Students and teaching staff as respondents. In all, 303 teachers and 386 students formed the sample size for the study. The data collected were analyzed using the Statistical Package for Social Science (SPSS) version 20. Descriptive statistics such as, frequency, tables and charts were developed. The study concludes that, most of the senior high schools in the study area had access to Wi-Fi in their school and that the impact of Wi Fi was seen to be beneficial as it affected students’ academic performance in a beneficial way. Again, teachers in the study area were in support of the usage of Wi-Fi by students in schools. The study recommends the Ghana Education Service in collaboration with the Heads of Senior High Schools should provide Wi-Fi facilities and connectivity in public SHSs computer laboratories and libraries to enhance effective teaching and learning. Finally, there should be an assessment of students to determine their skills level with respect to computer and Wi-Fi usage via internet connectivity.
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    Audit As A Tool For Fraud Control In The Public Sector: A Study Of Some Metropolitan Assemblies In Ghana
    (2022) Osei-Buabeng Hildah
    The purpose of this study was to evaluate audit as a tool for fraud prevention in the public sector taking Kumasi and Sunyani Metropolitan Assemblies (KMA/SMA) as a case study. The objectives of the study were: to identify the causes of fraud in the Metropolis, to identify the role auditors play in the detection and prevention of fraud in the Metropolitan Assemblies and to identify the challenges faced by auditors in prevention of fraud at (KMA/SMA). In this research work, survey design was used, which relate to collecting data from the population for intensive study and analysis. The research design adopted in this research is survey design method which comprises the use of oral interview and questionnaires. The total population of the study is over 200 institutions. In carrying out this research study, population was drawn from public institutions but mostly, in the Kumasi Metropolis. The target population for this study comprised all staff of both Kumasi and Sunyani Metropolitan Assemblies. The questionnaires were used to solicit views from workers at the Kumasi Metropolitan Assembly. The structured questionnaires were used to collect data from all the respondents. The sample for the study was 50. The retrieved questionnaires were critically read through to check for consistency in responses. The questionnaires were then coded so that similar responses were coded as one to aid easy analysis. Responses from respondents interviewed were also coded to aid the analysis. Statistical tools such as frequency table and percentages were used to present the data. Tables and figures were used to present the responses. However, some responses were only discussed without tables. The percentages addressed the relative frequencies of the data, and the table and figures were used to show diagrammatic representation of the responses. The study revealed that fraud is prevalent at all levels of the organizational management, the study also revealed that weak internal control systems at KMA/SMA was the chief among the possible causes of fraud in the institution and finally, it was found that auditors do not get access to all necessary documents to make them perform their duties effectively in those Public Sectors. The study recommended that the management of KMA should take prudent measures to improve upon the internal control systems of KMA to help control fraud at all levels of management.
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    THE RELATIONSHIP BETWEEN PRE-SERVICE TEACHERS’ ATTITUDE, THEIR PERCEPTION AND ACHIEVEMENT IN GEOMETRY
    (2022) Banson Mensah, Gideon
    Through the study of Mathematics, students are equipped with essential life skills and by studying Geometry, they are able to think critically and make reasonable assumptions. The purpose of this study is to investigate the relationship between pre service teachers’ attitude, perception and achievement towards Geometry. The study employed the explanatory sequential design, which is a mixed method approach and it was based on the pragmatist paradigm of research. The systematic sampling technique was used to select 225 second year students of the Mathematics department of Akenten Appiah – Menka University of Skills Training and Entrepreneurial Development and 10 more students were selected in order to gather data for the qualitative aspect. Three instruments in the form of a questionnaire, a Geometry test and a structured interview were used in this study. Findings showed that pre – service teachers’ attitude towards geometry was positive but there was a negatively weak relationship between attitude and achievement in Geometry. However, the perception and achievement of pre – service teachers of this study showed a positively weak correlation. Exploring perceptions of pre – service teachers, responses indicated that Geometry is an aspect of Mathematics and it entails shapes, lines and many more. Participants also indicated that the content of Geometry is not only about angles but notwithstanding, there was one person who argued that Geometry is all about angles. Based on the findings, it is recommended that pre – service teachers should be well equipped to master the contents of Geometry in order to match up with their positive attitude and their perception in the field. Educational authorities should provide academic and psychological experiences that can positively enhance pre – service teachers’ perception and views about geometry.
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    EXAMINING THE MEDIATING EFFECT OF SELF-CONCEPT AND STUDENTS’ MATHEMATICS INTEREST ON THE RELATIONSHIP BETWEEN MATHEMATICS ANXIETY AND STUDENTS’ MATHEMATICS ACHIEVEMENT
    (2022) Nsiah, Janet
    The decline in the performances of students in mathematics at all level of education have been attributed to several factors over the years. Studies have attributed factors such as inadequate teaching personnel and resource, anxiety and fear of Mathematics, poor teaching methods, overcrowded classrooms and mathematics attitude of students to the poor achievement of students in the subject. This study sought to investiagte the mediating role of self-concept and student mathematics interest on the relationship between mathematics anxiety and students’ achievement. This study used a quantitative appraoches and adopted a descriptive survey design. A Likert scale questionnaire measuring all the constructs was given to 340 students who were selected using proportionate stratified and simple random sampling techniques from three school in the Atwima Nwabiagya South Municipal in the Ashanti Region of Ghana. It was discovered that students' self-concept and achievement, as well as their interest in mathematics, were significantly positively correlated. However, there was no relationship between their achievement and mathematics anxiety. It was discovered that the relationship between students' mathematics achievement and anxiety was totally mediated by both their interest in mathematics and their self-concept. Therefore, it was suggested that math teachers be encouraged to make math classes engaging so that students would be interested in the subject. Teachers should motivate and encourage students to develop positive sense of achievement to enable them achieve high self concept
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    THE IMPACT OF GEOMETER’S SKETCHPAD (GSP) ON THE ACHIEVEMENT OF STUDENTS IN TRIANGLES AND QUADRILATERALS IN THE SENIOR HIGH SCHOOL
    (2022) Awuni Abayeta, Dorothy
    The application of dynamic geometry computer software is very crucial in the educational sector throughout the world. Unfortunately, limited studies have been done on triangles and quadrilaterals using the Geometer’s Sketchpad (GSP) in Senior High Schools in Ghana. This study investigated the impact of the use of Geometer’s Sketch Pad (GSP) on students’ achievement in triangles and quadrilaterals employing a mixed method (embedded method), which used a quasi-experimental of non-equivalent groups. It further investigated the gender perception of using dynamic geometry software (DGS) in learning geometry and how their problem-solving skills improved. A sample of 80 students in the Krobo Community SHS of the Bono East region were used for this study. The groups were the control (40 students) and the experimental (40 students). Two achievement tests (pre-test and post-test) and questionnaire were used as the main instrument of the study. An independent sample t-test run on the results of the geometry achievement test (GAT) for the two groups revealed that students in both groups showed an increased in their achievement in triangles and quadrilaterals in the post test. However, students in the experimental groups achieved better results compared to those in the control group. Moreover, the gender perceptions of using DGS in their lessons was not significantly different since they agreed to use it. This study recommends the use of the geometer’s sketchpad in the learning of geometry and other topics in mathematics since its increase students’ motivation, interest and concepts understanding
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    INVESTIGATING TECHNOLOGY INTEGRATION IN TEACHING AND LEARNING OF MATHEMATICS IN TERTIARY INSTITUTIONS IN GHANA DURING COVID-19 ERA
    (2022) Tweneboah Darkwa, Enock
    Improving individual learning performance, helping teachers to organize good lesson plan, and increasing students study engagement in modern times require the use of technological resources in the learning environment. Technology has transformed mathematics education from static to a dynamic environment where teachers and students interact to share knowledge and ideas. This study purposed to investigate technology integration in teaching and learning of mathematics in higher educational institutions during the Covid-19 era. The study was on the premise of the Pragmatist paradigm and employed the Sequential Explanatory design of the mixed method approach. A sample of 1500 (1470 found to be valid) respondents were selected using the Proportional Stratified sampling from three (3) tertiary institutions. Ten (10) additional respondents were selected for the qualitative data analysis using the Judgmental Sampling. Thus, the study used questionnaire and a structured interview to collect data. Some items were adopted from Technology Acceptance model (TAM) to suit the objectives of the study and other concepts reviewed. The findings of the study showed that, availability and accessibility of technological tools have significant effect on quality of learning mathematics. Again, Covid-19 pandemic has direct and indirect significant effect on quality of learning mathematics.
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    MEDIATION AND MODERATION EFFECT OF MATHEMATICS INTEREST AND TEACHING QUALITY BETWEEN SELF-CONCEPT AND MATHEMATICS ACHIEVEMENTS.
    (2022) Fosu, Micheal
    This study investigated the mediation and moderation effect of mathematics interest and teaching quality on the relationship between self-concept and mathematics achievement. The study was conducted at Sakafia Islamic SHS and Kumasi Academy SHS in Ghana. The sample comprised 300 students whom they were selected randomly from a population of 1200. The study adopted a descriptive survey and analysis such as exploratory and confirmatory factor analysis, discriminant validity and reliability analysis from Cronbach Alpha was estimated using SPSS (version 23) and Amos (version 23). From the hypothesis, the findings revealed that self-concept partially mediates mathematics achievement through mathematics interest and teaching quality showed no moderating effect between interest, and achievement. The study also found out that self-concept, mathematics interest and teaching quality have a direct effect on students’ performance. The study informed teachers teaching mathematics and in other different programs to be equipped with knowledge of how students perceive mathematics to select the appropriate teaching approach to influence their interest and belief in the study of mathematics. It was suggested based on the findings that; the moderation effect of teaching quality was found to be insignificant. This is imperative for further study to critically analyzed its effect on other antecedents.
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    TEACHER-STUDENT RELATIONSHIP AND STUDENTS’ MATHEMATICS ACHIEVEMENT: MEDIATING ROLES OF STUDENTS’ PERCEPTION OF MATHEMATICS, STUDENTS’ SELF-EFFICACY AND COOPERATIVE LEARNING STRATEGIES.
    (2022) Bekoe Appiah, Joseph
    The study examined the mediating roles of students’ perception of mathematics, students’ self-efficacy and cooperative learning strategies in the relationship between teacher student relationship and students’ mathematics achievement in all the senior high schools at Atwima Nwabiagya North District. The study was carried out using the descriptive survey design. The target population was second-year students. Through purposive, proportionate stratified and simple random sampling techniques, questionnaires were administered to 346 second year students, however, 320 questionnaires were returned. The data collected were analyzed using Structural Equation Model (SEM) with bootstrap samples. It was found that teacher-student relationship (B=-1.730, BCpCI 95% CI (-2.406, -1.010)) and students’ self-efficacy (B= -0.143, BCpCI 95%CI (-0.208, -0.089)) were significant negative predictor of students’ mathematics achievement whiles cooperative learning strategies (B= 0.314, BCpCI 95%CI (0.228, 0.443)) and students’ perception of mathematics (B= 0.384, BCpCI 95%CI (0.280, 0.522) were significant positive predictor of students’ mathematics achievement. The study also discovered that, students’ perception of mathematics (B=-0.279, BCpCI 95% CI (-0.425, -0.192)), students’ self efficacy (B= - 0.136, BCpCI 95% CI (-0.217, -0.083)) and cooperative learning strategies (B= -0.125, BCpCI 95% CI (-0.205, -0.078)) were partially mediated the relationship between teacher-student relationship and students’ mathematics achievement. It was suggested based on the findings that, mathematics teachers should be mindful of their relationship with the students, employ varieties of techniques when dealing with students with bad perception of mathematics and also consider the kind of collaborative learning techniques to be adopted in order to accelerate students’ mathematics achievement.
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    Being A Research Project Submitted To The Department Of Management And Accounting Studies,Faculty Of Business Education, In Partial Fulfilment Of The Requirements For The Award Of The Master In Business Administration
    (2022) Afreh, Poku; 7201320010
    The study examined the impact of computerized Accounting Information System (AIS) on the performance of banks in Ghana. The objective of this research study isto evaluate the impact of computerized (AIS) on the efficiency of bank employee performance, customer satisfaction, service delivery in Ghana banks. The research employed survey research design and stratified sampling technique to achieve the overall objective of the study. The target population in this study comprises of staff and customers of United Bank for Africa Plc, Adum branch. In the course of the study, two sets of questionnaire were administered, one set to evaluate customer satisfaction, service delivery quality and bank operation/performance and the other set to examine the effect of information technology innovations deployment on banks’ employee performance. The dataobtained were analyzed using Means, Percentile Average, and Chi-Square. In assessing the use of new technology innovations and the performance of bank employees, over 65% of respondents strongly agreed that new technology improved the bank employee performance. Also, 73% of the total respondents strongly agreed that there has been a remarkable improvement in banking operations as a result of thecomputerized (AIS). The study concluded that deployment of technology innovations has greatly improved the efficiency of bank operations and employees productivity; increasedservice delivery and banks return on equity/ profitability.The study recommended that bank management should intensify investment in ICT productsto facilitate speed, convenience, and accurate services.
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    THE IMPACT OF RISK MANAGEMENT ON FINANCIAL PERFORMANCE OF BANKS. A CASE OF CAL BANK
    (2022) Abdulai, Alhassan
    The banking industry plays a crucial role in the economic eco-system and its development means fostered growth for the country. For a financial system to be sound, a vibrant banking system needs to be present. Any shake in the banking system can send a ripple effect to the financial system and it can topple down, causing a recession. The collapse of two Ghanaian banks in 2017 and the consolidation of five other banks a year later raised concerns about the crucial role of risk management in the banking institutions. Therefore, the study sought to examine the effects of risk management on the profitability of Cal banks in Ghana. The study revealed that credit risk had a negative effect on bank profitability (return on assets). Liquidity did not have a statistically significant effect on bank profitability. On the other hand, capital adequacy ratio, bank size and operational risk all had a positive effect on bank profitability whilst inflation was statically insignificant. Based on the findings, credit risk and capital adequacy are crucial indicators that impacted financial performance and easily resulted in banking failure. Operational risk is a dynamic factor that management can capitalize on to improve profitability, in our situation it is possible that whilst inadequate systems and processes contributed to poor performance some banks capitalized on it to make profits. Bank size improves performance; howbeit in this case profitability was small. The study recommends banks to make adjustments to reduce their credit risk for example through the use of credit rating bureaus when giving out loans. Also, good corporate governance is very important. Bank of Ghana must ensure compliance to the Basel Accords to maintain sound financial practice in the banking system. On the part of the central government, there should be effective regulations of the financial market.
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    THE EFFECT OF TAX AND FINANCIAL CONTROL ON ECONOMIC WELFARE IN SUB SAHARAN AFRICA (SSA).
    (2022) GORDON, BIAKANANG SILLIM; (7201540003)
    This study examines the effect of tax and financial control measures on economic welfare enhancing variables in Sub Saharan Africa (SSA). Regression analysis is used to investigate this relationship in 48 Sub Saharan African countries. The results indicate that taxes negatively affect education and consumption expenditure. However, budgetary and financial management measures positively affect only remittances. In essence, taxes in SSA are welfare reducing and policy makers should reconsider measures to make taxes welfare enhancing in the sub region.
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    GHANA'S FINANCIAL DEVELOPMENT FACTORS AND THE MEDIATING AND MODERATING IMPACTS THEY HAVE ON ECONOMIC GROWTH.
    (2022) Owusu Amamkwah, Desmond; (7201540008)
    The purpose of the study was to establish the determinants of financial development in Ghana. The study specifically focused on the effects of: Trade openness, Investment rate, Inflation rate and Foreign Direct Investment on financial development of financial institutions. The study also assessed the moderating effect government policies on the relationship between financial development and its determinants in Ghana. The study employed descriptive research design for the study. Stratified sampling was adopted which was appropriate for getting a sample from the heterogeneous population given that the financial sector had different institutions offering different financial services. Primary data was collected through self-administered questionnaires send to the managers of the various financial institutions. Also secondary data was collected from Ghana statistical website; Data analysis was done using statistical package for social science (SSPS). Descriptive statistic was used to present the findings of the study supported by Analysis of Variance (ANOVA), Multiple Regression and Correlation Analyses being undertaken to provide inference. The variables namely trade openness, market capitalization, investment rate; interest rate and Covid-19 were found to determine the financial development in Ghana. However, trade openness was not statistically significant. Further, the effects of the determinants on financial development were seen to be heavily moderated by government policies. The study suggested that institutions be strengthened (in terms of credit risk management, financial structure, and corporate governance/management efficiency), that the government pursue expansionary policies to spur economic growth, that foreign investment in financial institutions be attracted, and that the volume of exports be increased by further opening up the Ghanaian economy.
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    THE IMPACT OF CORPORATE SOCIAL RESPONSIBILITY ON BANKS FINANCIAL PERFORMANCE. THE CASE OF LISTED BANKS IN GHANA
    (2022) FRIMPONG, SAMUEL; (7201540010)
    This thesis investigated the impact of CSR and financial performance of banks listed on the Ghana Stock Exchange (GSE). Data collection is carried out with data documentation that is based on financial reports. Secondary data was obtained from the financial statement of eight (8) banks over the past ten years (2011 to 2020) to answer the research questions. This study conducted a content analysis on listed firms’ annual and sustainability reports and corporate websites to develop an aggregate CSR disclosure index based on Ehsan et al.’s (2018) model which had already been pre tested and standardised with a Cronbach alpha value of 0.924. Data were analysed quantitatively with Return on Asset (RoA) and Return on Equity (RoE) as a measure of performance which was also the dependent variable and expenditure on CSR as an independent variable. The findings emerging from the analysis reveals that CSR has positive impact on financial performance. Specifically, CSR exerts an insignificant positive impact on ROA and a significant positive effect on ROE. The study recommends that banks should be encouraged but also cautious in undertaking CSR. After all, it could be cautious in undertaking CSR because it could negatively affect their Return on Asset and Return on Equity. Also, it is recommended that most CSR projects should be weighted by the banks if possible and a cost-benefit is done even before deciding whether to go on with the project or not. The implication of the research is that implementing corporate social responsibility is very important to increase banks value and banks sustainability in the future