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                <text>Discriminant analysis of demand-side roadblocks to financial inclusion in Northern Ghana</text>
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                <text>Issahaku Yakubu, Romanus Dinye, Daniel Buor, Wahab A Iddrisu</text>
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                <text>Northern Ghana has been described as the most poverty-stricken spot in Ghana. Given the link between financial inclusion and poverty reduction, this paper aims at estimating a discriminant function model to analyse demand-side roadblocks to 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 demand-side roadblocks that are very crucial to financial inclusion in Northern Ghana (in order of importance) are “Culture”, “Cost”, “Capability”, and “Trust”. Overall, 77.2% of the cases were correctly classified by the estimated model. This paper therefore concludes that most vulnerable groups in Northern Ghana still find it difficult to access formal financial services due to barriers such as culture, cost, capability and trust. Government policies should therefore be directed at addressing these barriers so as to enhance financial inclusion in the area which eventually will lead to poverty reduction.</text>
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                <text>Background&#13;
Global fight against tuberculosis (TB) has received increasing attention over the years. However, the disease remains one of the top-most global health problems, especially in Sub-Saharan Africa and Ghana.&#13;
Aims&#13;
This paper examined geographical (regional) and seasonal distribution of TB cases providing relative risk of TB exposure in Ghana and step by step procedure to perform the analysis.&#13;
Methods and material&#13;
We modelled reported TB cases between 2015 and 2018 using wavelet analysis and applied maximum covariance analysis (MCA) to determine regional and seasonal patterns and the risk of TB exposure in Ghana. This study is based on the old administrative regions of Ghana.</text>
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                <text>Students’ satisfaction in the university environment is essential to both the student (customer) and management of the university. Satisfied students are determined to succeed in their academics, and this sustains their loyalty and trust, which results in an improved image and esteem of the university. This study examined the level of students’ satisfaction with campus facilities and infrastructure, campus social life, student support services, and the quality of academics in the University of Energy and Natural Resources (UENR) in Ghana and further investigated how students’ satisfaction with the above four areas of the university environment affect each other. A questionnaire was administered to continuous students in UENR, and the collected data were analysed using structural equation modelling within the maximum likelihood and Bayesian frameworks whose results and performance were compared. Results …</text>
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                <text>Determining and forecasting financial inclusion in Northern Ghana using discriminant analysis</text>
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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>Generalized additive mixed modelling of river discharge in the black Volta river</text>
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                <text>Wahab A Iddrisu, Kaku S Nokoe, Albert Luguterah, Eric O Antwi</text>
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                <text>River discharge data offer a rich source of information for reservoir management and flood control, if modelling can separate out the effects of rainfall, land use, soil type, relief, and weather conditions. In this paper, we model river discharge data from the Black Volta River, using Generalised Additive Mixed Models (GAMMs) with a space-time interaction represented via a tensor product of continuous time and discrete space. River discharge data from January 2000 to December 2009 for the four gauge stations along the Black Volta River namely, Lawra, Chache, Bui and Bamboi were obtained from the hydrological services department of Ghana and used for model fitting. Four GAMMs were explored, two with space-time interactions and two without space-time interactions. The comparison of the performance of the models with space-time interactions and those without space-time interactions based on Akaike Information Criterion (AIC) and Bayesian Information Criterion (BIC) suggests that in this application, the former is better overall and in particular for modelling local variations. Further, a model with space and time main effects performed better compared with one without space and time main effects. After model selection, checking and validation, there is evidence for increasing river discharge from the most upstream gauge station to the most downstream gauge station for the study period.</text>
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                <text>Wahab Abdul Iddrisu, Peter Appiahene, Justice A Kessie</text>
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                <text>Even though laboratory and epidemiological studies have demonstrated the effects of ambient temperature on the transmission and survival of coronaviruses, not much has been done on the effects of weather on the spread of COVID-19. This study investigates the effects of temperature, humidity, precipitation, wind speed and the specific government policy intervention of partial lockdown on the new cases of COVID-19 infection in Ghana. Daily data on confirmed cases of COVID-19 from March 13, 2020 to April 21, 2020 were obtained from the official website of Our World in Data (OWID) dedicated to COVID-19 while satellite climate data for the same period was obtained from the official website of NASA's Prediction of Worldwide Energy Resources (POWER) project. Considering the nature of the data and the objectives of the study, a time series generalized linear model which allows for regressing on past observations of the response variable and covariates was used for model fitting. The results indicate significant effects of maximum temperature, relative humidity and precipitation in predicting new cases of the disease. Also, results of the intervention analysis indicate that the null hypothesis of no significant effect of the specific policy intervention of partial lockdown should be rejected (p-value=0.0164) at a 5\% level of significance. These findings provide useful insights for policymakers and the public.</text>
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                <text>Modelling trends of climatic variability and malaria in Ghana using vector autoregression</text>
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                <text>Sylvia Ankamah, Kaku S Nokoe, Wahab A Iddrisu</text>
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                <text>Malaria is considered endemic in over hundred countries across the globe. Many cases of malaria and deaths due to malaria occur in Sub‐Saharan Africa. The disease is of great public health concern since it affects people of all age groups more especially pregnant women and children because of their vulnerability. This study sought to use vector autoregression (VAR) models to model the impact of climatic variability on malaria. Monthly climatic data (rainfall, maximum temperature, and relative humidity) from 2010 to 2015 were obtained from the Ghana Meteorological Agency while data on malaria for the same period were obtained from the Ghana Health Service. Results of the Granger and instantaneous causality tests led to a conclusion that malaria is influenced by all three climatic variables. The impulse response analyses indicated that the highest positive effect of maximum temperature, relative humidity …</text>
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                <text>&#13;
Hindawi</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:aqlVkmm33-oC</text>
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                  <text>Faculty of Computing and Information Systems</text>
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                <text>Determinants of Polycyclic Aromatic Hydrocarbons in Smoked Bushmeat</text>
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                <text>Iddrisu Wahab Abdul., Martin Owusu Amoamah, Abu Abdallah</text>
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                <text>2013</text>
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              <elementText elementTextId="11883">
                <text>https://scholar.google.com/citations?view_op=view_citation&amp;amp;hl=en&amp;amp;user=ECTxVnYAAAAJ&amp;amp;citation_for_view=ECTxVnYAAAAJ:7PzlFSSx8tAC</text>
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                <text>Zero‐Inflated Time Series Modelling of COVID‐19 Deaths in Ghana</text>
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                <text>Kassim Tawiah, Wahab Abdul Iddrisu, Killian Asampana Asosega</text>
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            <description>An account of the resource</description>
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                <text>Discrete count time series data with an excessive number of zeros have warranted the development of zero‐inflated time series models to incorporate the inflation of zeros and the overdispersion that comes with it. In this paper, we investigated the characteristics of the trend of daily count of COVID‐19 deaths in Ghana using zero‐inflated models. We envisaged that the trend of COVID‐19 deaths per day in Ghana portrays a general increase from the onset of the pandemic in the country to about day 160 after which there is a general decrease onward. We fitted a zero‐inflated Poisson autoregressive model and zero‐inflated negative binomial autoregressive model to the data in the partial‐likelihood framework. The zero‐inflated negative binomial autoregressive model outperformed the zero‐inflated Poisson autoregressive model. On the other hand, the dynamic zero‐inflated Poisson autoregressive model …</text>
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                <text>Hindawi</text>
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                <text>2021</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:5nxA0vEk-isC</text>
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                  <text>Faculty of Computing and Information Systems</text>
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                <text>Modelling the causes of tax default among small and medium scale enterprises (SMEs) In the Tamale Metropolis of Ghana</text>
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                <text>Ali Napari Seidu, Iddrisu Wahab Abdul, Charles Sebil</text>
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                <text>The study examined the factors that have a higher potential for tax default among Small and Medium Scale Enterprises (SMEs) such as high tax rates on SMEs with their relatively low income levels, complex tax filing procedures, lack of proper tax education, high illiteracy rate among SMEs, Poor record keeping, multiple taxation and under declaration of income. The logistic regression model was used in this study to estimate the effect of the statistically significant factors on tax default. The findings revealed that the three most significant factors accounting for tax default among SMEs are the kind of SMEs, inadequate tax education by tax authorities, and multiple taxation. It is therefore recommended that SMEs should be adequately educated on the importance of tax to the state and be encouraged to pay tax to IRS and other mandatory agencies for the development of the Nation. Government as a policy should make tax payment attractive and unavoidable by both the informal and formal sectors.</text>
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              <elementText elementTextId="11862">
                <text>European Scientific Journal</text>
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                <text>2015</text>
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            <description>A related resource from which the described resource is derived</description>
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              <elementText elementTextId="11864">
                <text>https://scholar.google.com/citations?view_op=view_citation&amp;amp;hl=en&amp;amp;user=ECTxVnYAAAAJ&amp;amp;citation_for_view=ECTxVnYAAAAJ:Zph67rFs4hoC</text>
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