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                <text>Kwame Adom, Robert Ebo Hinson, Enoch Opare Mintah, Theresa Obuobisa-Darko</text>
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                <text>The progress of several businesses was severely challenged through the advent of the COVID-19 pandemic, with several businesses collapsing globally. Apart from the pandemic, the business posture and dynamics of yesteryear has significantly changed, as the way business is conducted today, especially in this era of Industry 4.0 and the proliferation of technology-assisted processes, have created a new environment for doing business. Comparatively, yesterday’s businesses seemed to have been in the" dark," keeping itself within limited geographical locations, contacts, and markets. However, business today, with the technological boom, has created a global village with the advent of the World Wide Web and social media which is redefining the way business is conducted especially in product and service development, marketing and publicity, customer attraction and retention, scouting and recruitment, and so on. This book responds to contemporary calls for new ways of managing businesses with practitioner-oriented discourses on topical issues like business environments and how modern businesses can thrive in the same. It discusses in some detail the general composition of business environments, specific factors that influence the operations and decisions of a business within its environment, the level of control businesses have over the factors that operate within the business environment, and the need for businesses to be proactive and to strategise in order to take advantage of the opportunities the business environment presents as while minimising the negative effects some factors also present. The book provides practical …</text>
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                <text>The study examined the impact of organizational and individual factors on the relationship between work-family balance and work-family conflict through a survey. Data from 250 respondents were analysed using the pearson product moment correlation, ANOVA and hierarchical multiple regression. Results showed that the interaction between marital status (individual factor) and working hours (organizational factor) did not impact work-family balance. Further, a significant negative relationship exists between work-family balance and work-family conflict, gender and age. Also, marital status and working hours were positively related to work-family balance. Marital status and working hours significantly moderate the relationship between work-family conflict and work-family balance. Although working hours moderate the relationship between work-family conflict and work-family balance, it did not account for a significant variance in work-family balance. Furthermore, educational level did not significantly relate to work-family balance. These findings imply that for organizational growth to be improved, stakeholders need to consider advancing work-family balance practices to cater for both employees’ and organizational needs.</text>
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                <text>The perception of employees on performance‐based budgeting reforms in developing countries: The perspective from Ghana</text>
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                <text>Frank Ohemeng, Emelia A Asiedu, Theresa Obuobisa‐Darko, Juliana A Abane, Kenneth Parku</text>
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                <text>In the last few decades, the use of performance management to correct state finances has led to the (re)emergence of performance‐based budgeting (PBB), with the belief that it will reveal where scarce resources should be concentrated. The efficacy of PBB, however, continues to be debated. This paper attempts to contribute to the discussion, by examining the case of Ghana from the perspective of budget officers. How do budget officers perceive the PBB? It is argued that while PBB is professed as a useful budgetary mechanism, there are challenges that need to be addressed if it is to achieve its objectives.</text>
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                <text>2022</text>
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                <text>Microfinance and credit rationing in Ghana: Does the microfinance type matter?</text>
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                <text>Lluís Díaz Serrano, Frank G Sackey</text>
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                <text>This study sets out to examine the extent to which access to credit and credit rationing are influenced by the microfinance type based on the major factors determining micro, small and medium enterprises’ access to credit from microfinance institutions in the era of financial liberalization. The data for the study were gleaned from the microfinance institutions’ credit and loan records consisting of the various pieces of information provided by the borrowers in the application process. Our results are puzzling and show that credit rationing is not influenced by the microfinance types but by the individual microfinance institutions. Keywords: Microfinance, Ghana, Credit Rationing. JEL codes: G21</text>
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                <text>Universitat Rovira i Virgili. Departament d'Economia</text>
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                <text>2015</text>
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                <text>https://scholar.google.com/citations?view_op=view_citation&amp;amp;hl=en&amp;amp;user=dzxWX-AAAAAJ&amp;amp;cstart=20&amp;amp;pagesize=80&amp;amp;citation_for_view=dzxWX-AAAAAJ:YsMSGLbcyi4C</text>
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                <text>Higher Education Marketing in Africa -&#13;
Explorations on Student Choice. </text>
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                <text>Robert Ebo  Hinson</text>
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                <text>https://gala.gre.ac.uk/id/eprint/26147/3/26147%20MOGAJI_Higher_Education_Marketing_In_Africa_%28Front%29_2019.pdf</text>
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                <text>Empowering the Vulnerable to Be Entrepreneurs: An Empirical Test on the Effectiveness of the Ghana Microfinance Policy 2006</text>
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                <text>Luis Diaz-Serrano, Frank Gyimah Sackey</text>
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                <text>The study aims at testing the Ghana Microfinance Policy set up to support the vulnerable through access to credit. We resort to the Blinder-Oaxaca decomposition to determine if there is positive discrimination in favor of women and young entrepreneurs in the rationing behavior of the microfinance companies. This is what we should expect if the policy is effective. Our results show that even after controlling for a large number of borrower characteristics, microfinance type and credit worthiness variables, there is positive discrimination that favors female and young entrepreneurs as this discrimination is largely determined by the differential treatment these groups receive in respect of men and older borrowers from microfinance institutions. Our results show that the Government microfinance is the most severe in the rationing behavior towards the discriminating groups.</text>
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                <text>IZA Discussion Papers</text>
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                <text>2016</text>
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                <text>https://scholar.google.com/citations?view_op=view_citation&amp;amp;hl=en&amp;amp;user=dzxWX-AAAAAJ&amp;amp;cstart=20&amp;amp;pagesize=80&amp;amp;citation_for_view=dzxWX-AAAAAJ:ufrVoPGSRksC</text>
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                <text>Theory and Cases, edited by George Babu and&#13;
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has shaped different regions, industries, and domains’ (2). This book documents how the&#13;
integration of digital technology into all areas of business and society fundamentally changes&#13;
the way businesses operate and deliver services to their consumers. Babu George is Associate&#13;
Professor of Management at Fort Hays State University, USA, while Justin Paul is Professor at&#13;
the Graduate School of Business, University of Puerto Rico, and member of Rollins College,&#13;
Florida, USA. Justin Paul is known widely for his introduction of the so-called Masstige model&#13;
and measures for brand management, the CPP Model for describing and comparing the&#13;
internationalization strategies along with the ‘7-Ps’ framework used in the study and practice&#13;
of international marketing.&#13;
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we are living in an age of rapid digitalization. In the information and communication&#13;
technology (ICT) sector, there has indeed been a global revolution resulting in radical&#13;
changes in the way people communicate with each other. This revolution has had an&#13;
enormous impact on the way international business is conducted. In the space of 50 years,&#13;
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a recent study reports that 95% of young American adults own a cell phone and 97% of&#13;
these cell owners use text messaging. Furthermore, 90% of young adults use social networking sites (Abatayo, Lynham, and Sherstyuk, 2017). Secondly, we can observe both positive&#13;
and negative aspects of societal digitization: we can note current controversies surrounding&#13;
globally networked enterprises such as Facebook. In their edited collection, George and Paul&#13;
as editors allow a balanced view on both the threats and opportunities that the digital&#13;
transformation of business and society create.&#13;
The book comprises 16 chapters, contributed by some seasoned and some early-career&#13;
scholars. In an introductory chapter, Babu George, the principal editor, incisively sketches&#13;
a comprehensive picture for understanding the issues and problems with regard to the&#13;
digital revolution. As he observes: ‘we have some evidence to support the claim that the&#13;
digital revolution has helped us improve not just our business enterprises but our overall&#13;
standard of living as a community of people, around the world’ (2).&#13;
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smart cities by focusing on the characteristics and relevant issues of two of Asia’s foremost&#13;
‘smart cities’: Singapore and Songdo, in the Republic in Korea. The study generates the&#13;
following interesting arguments. First, Singapore and Songo are highly centralized and&#13;
developed to attract foreign investments and competitiveness. The authors indicate that&#13;
the cities attached huge amount of China-sourced inward financial investments and tourists.&#13;
Both cities are framed as a smart city with all computerized accessible buildings and electrical&#13;
sensors. They are managed through a centralized operating system that combines data&#13;
analytics, big data, and urban informatics. Second, the standard of living in both cities is –&#13;
by national and international comparisons – relatively high. However, the authors highlight&#13;
some notable human and environmental concerns. For instance, Singapore’s smart city&#13;
development plan was publicly criticized for its ‘lack of citizen’s participation’ (22).&#13;
A process of so-called ‘McDonaldization’ continues and, therefore, citizens are treated as&#13;
consumers and entrepreneurs in these smart cities</text>
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                <text>This study examined the effects of monetary policy on price stability and gross domestic product (GDP) in Ghana using a predictive data analytical model adapted from Friedman's (1982) models. Monetary policy adopted a two-target framework based on both the policy interest rate target and the bank credit aggregate target. Hypotheses tests were conducted using Vector Auto-Regressions (VARs) and Multiple Regression Analyses using secondary data. The VAR tests produced a statistically weak relationship between both price stability and real GDP and the two-target monetary policy framework. The results from the multiple regression analyses, however, indicated statistically significant relationships between the price stability and interest rate targets and those of real GDP and bank credit aggregate targets, thus confirming the model’s predictive capability. The study therefore recommends that for the …</text>
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                <text>Sackey, F.G., Asravor, R.K., Orkoh, E., Ankrah, I.</text>
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                <text>Micro, Small and Medium firms’ credit access remains a dilemma though the financial sector has been liberalized. This paper investigates the factors influencing credit rationing and how variations in the characteristics of firms owned by different genders contribute to credit rationing. The study utilizes probit estimation with marginal effects, Fairlie counterfactual and decomposition analysis to analyze both credit rationing and the extent to which the credit rationing gap is influenced by differences in gender endowments and discrimination using 1,430 firms’ owners’ loan applications randomly selected from eight (8) commercial banks. Our results show that borrowers having more years of experience, external market access, proximity to lender, being older and being male are not likely to experience credit rationing. Borrowers in the agricultural sector, with long term loans, who lack formal education, run labor-intensive …</text>
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