- ItemThe impact bank recapitalisation requirement on profitability of local and foreign banks in ghana(2020-05)The Bank of Ghana embarked on a “clean up” exercise in the banking sector to strengthen the sector and protect the properties of depositors. This exercise caused some of the banks in Ghana to exit the industry due to revocation of license, too many non performing loans or insufficient capital reserve. Among the reforms, the minimum capital reserve for financial institutions in Ghana, which was initially GHS 120 million (USD $20,859,324) was increased to GHS 400million (USD 69,531,080). Banks were required to get their capital reserve up to that amount by the end of 2018. Among the clean-up, the capital adequacy ratio was set at 10%. Research has shown that effect on bank recapitalization differs from foreign- owned and locally-owned banks in Ghana. Since it was too soon observe the effects of bank recapitalization in 2017, this study delved into the impact bank recapitalization has on foreign-owned and locally-owned universal/commercial banks in Ghana. Foreign banks that is mentioned many times in this study refers to banks established in other countries (and majorly owned by foreigners) but have set up offices in Ghana. Locally banks as used in this paper refers to banks who have majorly owned by indigenes, in this case Ghanaians. A total of eight banks were used in this study; four locally banks and four foreign owned banks. The returns on asset, returns on equity, capital adequacy ratio and total assets of these banks were collected for the period 2007-2009. Ghana’s Real GDP growth rates for the same period were collected. The data collected can be described as a panel data, thus a panel data analysis is used. A Hausman Test was run to help determine the appropriate results to use for the analysis of this study. The results revealed that capital adequacy ratio had a positive relationship with ROA of both types of Banks. It was also established that total assets had a negative relationship on ROA of these banks. GDP growth rate had a positive coefficient for local banks but the opposite was recorded for foreign banks.
- ItemThe pros and cons of the implementation of the eco—a discussion of the views of Anglophone and Francophone students(2020-05)In 2019, ECOWAS member countries made up of countries in the WAEMU and the WAMZ, decided that they would create and implement the Eco, a common currency for the subregion by the horizon 2020. In December 2019, the WAEMU, with the project in mind, decided that it would stop using the CFA Franc. This decision, although applauded by the international community, created turmoil between countries in the WAEMU and the WAMZ because WAEMU countries want to keep a peg to the Euro. This study’s objective is to assess the view of students, a subgroup of the ECOWAS region about the Eco and its implications for the countries’ economy and individuals’ identity. The study uncovered three significant themes: performance, uncertainty, and united identity.
- ItemInvestigating the factors responsible for the gap between employer expectations and skills of Ghanaian university graduates: A Focus on the banking sector(2020-05)This research sought to examine the relationship between employer expectations in the Ghanaian banking sector and the skills possessed by graduates of Ghanaian universities. The study was motivated by a desire to interrogate the factors responsible for the gap between expectations of employers in the banking industry and skills possessed by Ghanaian university graduates. The research used a qualitative method (interviews), and sampled respectively for the selected case study private university and public university, 12 participants, 6 of which were current and past students. In addition, 6 senior bank staff from 6 different case study banks were also interviewed. The study established that the views of students and the industry players in the banking sectors were not aligned with regards to what is expected in the banking industry. The study established that university graduates lack analytical skills, organizational skills and proper communication skills required by the banking sector.
- ItemChallenges facing Ghanaian subsistence maize farmers in scaling up production and transition to agri-business(2020-05)Agricultural productivity in Ghana has been declining for a while (Adombila, 2018). As a result, imports to the country have been increasing (Ghana Commercial Guide, 2019). The Daily Graphic news mentioned that food imports in Ghana averaged to $2.4 billion every year and that includes maize, sugar, meat, rice imports and many other items (Adombila, 2018). Secondary information gathered from different literature review explains why productivity in the Ghanaian agricultural sector has been decreasing. Most of the information gathered is situated around the case of smallholder farmers. Smallholder farmers are farmers practicing subsistence farming (A framework for the development of smallholder farmers through cooperatives development, 2012). Smallholder farming is one of the dominant sector in the in African agricultural sector (Zuma, 2013). This study, therefore focuses on the Ghanaian subsistence maize farmers and the challenges they face, that prevent them from transitioning and scaling up production to agribusiness. Agribusiness is a business that produces, sell and distribute farm products on a large scale ("Agribusiness definition and meaning | Collins English Dictionary", n.d.). The main focus area is in Berekuso in the Eastern region of Ghana. The study will answer the following questions: what are the main challenges that compel Berekuso subsistence corn farmers to still practice subsistence farming in the 21 century instead of transitioning to agri- business? and what can be done differently to help subsistence corn farmers to transition to agribusiness? Primary data for this study was collected using in-depth interviews with structured questions for the subsistence corn farmers to answer.
- ItemIntegrated marketing plan for Care Unit.(Ashesi University, 2020-04)EXECUTIVE SUMMARY Care Unit Ghana is a Non-Governmental Organization founded by Ebenezer Attoh in 2013. It aims to improve the delivery of quick responses to healthcare issues in Ghana, through the use of well trained first aiders and first aid kits. However, the main vision or objective of the organization is to to preserve life and prevent avoidable deaths especially in communities that lack proper healthcare facilities. In its attempt to achieve this objective, the organization holds first aid training sessions or workshops with businesses such as banks, schools and churches, to train their employees on how administer care or first aid to an ill or injured person, using a first aid kit. A thorough study of the market and a needs assessment conducted revealed that the organization has a low customer base which is mainly because the demand for the services of the organization has plummeted since its establishment. The study also revealed that the root cause for this problem is that the organization lacks a well-structured service marketing promotional plan. The purpose of this project is to develop an integrated service marketing plan that will help increase awareness about the organization and its services, which will eventually increase its customer base and maintain it. It has been proposed that a service marketing plan, that focuses on improving promotion using the integrated marketing communication mix, will be the most effective in increasing the customer base of the organization. This is also intended to help the organization achieve its vision of preserving life and prevent avoidable deaths, especially in communities that lack proper healthcare facilities.