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                <text>Borrower–lender relationship and access to commercial banks’ credit market</text>
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                <text>Frank Gyimah Sackey</text>
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                <text>The study examined the extent to which borrower–lender relationships affect the rationing behavior of commercial banks in Ghana. A cross-sectional panel data comprising 14 commercial banks were used for the study. Using the classical linear regression model our results showed that borrowers who have long-term relationships with the banks received more credit at reduced interest rates. It was also observed that years of experience in business, gender, age, sector of business, value of assets, profits and loan maturity period were the significant factors influencing the rationing behavior of the commercial banks. The overall results are quiet revealing, and points to the fact that the long-term borrower–lender relationships lead to some level of trust and confidence between the borrower and the lender that comes with its accrued benefits.</text>
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                <text>Taylor &amp; Francis</text>
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                <text>Gender discrimination in commercial banks’ credit markets in ghana: a decomposition and counterfactual analysis</text>
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                <text>Frank Gyimah Sackey, Peter Nkrumah Amponsah</text>
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                <text>Access to formal credit in Ghana has been a major challenge to empowering women and promoting women enterprises even in this era of financial sector liberalization. Gender bias in both the formal and informal financial sectors have created huge credit gaps between men and women entrepreneurs. This study examines factors that influence credit rationing and discrimination against women in the credit markets of commercial banks in Ghana. Data for the study, comprising borrowers’ information as provided in loan application forms, were gathered from the commercial banks’ credit application database. Using the 2-stage least squares instrumental variable regression, we found that individual, firm, and loan characteristics were significant in determining credit rationing. The Blinder-Oaxaca decomposition and counterfactual analysis pointed to a credit gap between men and women …</text>
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                <text>Is energy transition possible for oil-producing nations? Probing the case of a developing economy</text>
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                <text>Isaac Ankrah, Kingsley Dogah, Sampson Twumasi-Ankrah, Frank Gyimah Sackey, Richard Asravor, Derrick Ofori Donkor, Christopher Lamptey, Lilian Arthur</text>
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                <text>An expected decline in oil revenue and a complicated global energy market present significant concerns about oil-producing countries’ intentions to move away from fossil fuels. Understanding the dynamics of these concerns, particularly in light of potential energy transitions, is crucial for future energy supply and sustainable energy discussion. Given the scarcity of research on the issue, this study examined whether an implied shift from fossil fuels to a cleaner energy state is possible for Ghana, a small oil-producing economy in sub-Saharan Africa. A two-state Markov Switching Model (MSM) was applied to a dataset covering 1980–2019. Results based on a multivariate state-dependent regression technique were documented as follows: First, the probability of transitioning from a nonrenewable energy state to a renewable energy state is 76.5%. Second, there is 80.2% chance of remaining in a renewable energy …</text>
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                <text>Wage price floors and sectoral employment outcomes in Ghana</text>
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                <text>Richard Kofi Asravor, Frank Gyimah Sackey</text>
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                <text>This paper investigates the effect of daily minimum wage regulation and other covariates variables on sectoral employment generation in Ghana. The Cobb–Douglas and constant elasticity of substitution production functions were employed as the theoretical foundation for this study. Secondary Data sourced from World Development Indicators (2018) from 1991 to 2018 was used while the autoregressive distributed lag was used as the estimation. The finding confirms the insider outsider and the Phillips curve argument and also shows that sectoral employment in Ghana is supported by economic growth and foreign direct investment. Daily minimum wage negatively affects the sectoral employment, with the agricultural employment being the worst affected. Interest rate decreases total employment, whereas population growth decreases employment in the agricultural sector. The study recommends that the …</text>
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                <text>Microeconomic determinants of privates of private inward remittances to households in Ghana: a case study</text>
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                <text>Frank Gyimah Sackey</text>
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                <text>This paper examined the microeconomic determinants of inward remittances of migrants to their respective households at home. It looked at the likelihood that a migrant will remit home with regards to the household size, the monthly income of the household, the sex of the migrant, whether the migrant has an immediate family at home, obligation, among other things. Questionnaires were administered to recipients of such remittances. A total of 61 responses were used to determine the likelihood. Logit estimation was then run and the results showed that insurance and exchange were theories explaining the motive to remit. It also found the household size and the number of years of stay of the migrant in the host country to be significant in explaining the likelihood to remit. The conclusion drawn from this paper is that it is important to look at determinants to remit by looking at the actual situation of the country understudy with regards to its social, cultural and traditional settings as well as their economic situations since these factors determine the propensity to travel abroad and hence determining the motive to remit. Nonetheless these findings would serve as a basis and a guide for studying and improving in the alleviation of poverty as well as the development impact of remittances on the countries concerned. It will also serve as literature and a guide for future study.</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;citation_for_view=dzxWX-AAAAAJ:9yKSN-GCB0IC</text>
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                <text>Effects of share pricing on firms’ performance in Ghana</text>
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                <text>Frank Gyimah Sackey, Akotey Joseph Oscar</text>
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                <text>This study is designed to examine the effects of share pricing on firm’s performance. Net profit earnings of the firm&#13;
was used as the dependent variable for the study whilst the independent variables constituted some characteristic&#13;
indicators that can affect the firm’s performance such as earnings per share, return on equity, return on assets, return&#13;
on investments and overheads. Five listed companies namely; the Ghana Commercial Bank, Enterprise Insurance,&#13;
Mechanical Lloyd, Aluworks Ghana Limited and Standard Chartered Bank were used for the study. A random&#13;
model was used to test for the effects of the various variables on firm’s performance using a panel data. The results&#13;
show that earning per share was significant and positive in explaining firm’s performance whilst return on&#13;
investment and overheads were significant but negative in explaining firm’s performance. Return on assets and&#13;
return on equity were however, insignificant in explaining firm’s performance. it is therefore recommended that&#13;
firms trade on the stock exchange to attract more shareholders through their share pricing as this will enable them to&#13;
increase their capital gain as well as the public patronizing not only in their shares but also being part of them and&#13;
hence patronizing their products since they will have a stake in it.&#13;
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                <text>Willingness to accept capitation payment system under the Ghana National Health Insurance Policy: do income levels matter?</text>
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                <text>This research was set to examine the factors influencing the willingness and the likelihood of Ghanaians to accept the capitation payment system under the National Health Insurance Scheme. Data was collected through the random sampling method in all the ten regions of Ghana. A probit estimation with marginal effects was adopted to examine the factors influencing the willingness and the likelihood while the generalized Blinder-Oaxaca decomposition was used to examine the extent to which individual characteristics influence the acceptance gap between high income and low-income earners. Our results indicated that, at the individual level, high income, being employed, awareness and smaller household size were the significant factors influencing the willingness and the likelihood to accept capitation. We also observed that the acceptance gap between high income and low-income earners was …</text>
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                <text>Impact of technology on macro-level employment and the workforce: What are the implications for job creation and job destruction in Ghana?</text>
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                <text>Richard Kofi Asravor, Frank Gyimah Sackey</text>
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                <text>Technology whilst creating jobs has destroyed many jobs. The destructive power of technology has led many workers in developing countries, especially Ghana to fight against its introduction. We investigate the effect of technological change on job creation and destruction in Ghana using longitudinal data from the World Development Indicator covering 1990 to 2018. By running the ARDL model, the summative technology-related job destruction is higher in the short run whilst job creation is higher in the long run. Thus, technology has a compensation effect on job destruction and job creation, due to its labour-saving nature. The short and long-run job destruction is higher with increasing importations, interest rate, and minimum wages, however, economic growth, FDI, and exportation increase job creation. Since technology results in higher job destruction, it is important to equip workforce with the technological …</text>
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                <text>Is rationing in the microfinance sector determined by the microfinance type? Evidence from Ghana</text>
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                <text>Luis Diaz-Serrano, Frank Gyimah 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 fourteen microfinance institutions' credit and loan records consisting of borrowers and credit characteristics. Our results are puzzling and show that credit rationing is not influenced by the microfinance types but by the individual microfinance institutions.</text>
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                <text>IZA Discussion Papers</text>
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                <text>Public expenditure and health status in Ghana</text>
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            <description>An entity primarily responsible for making the resource</description>
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                <text>George Compah-Keyeke, Frank Gyimah Sackey, Marcella Aziensum Azinim</text>
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            <description>An account of the resource</description>
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                <text>Better health status is described as an indicator of economic success or failure of nations. The availability of health care services and the physical, biological and socioeconomic environment, in which a person lives, broadly determine disease pattern, health status and therefore, the quality of life. This paper examines the relationship between public spending and health status in Ghana, using simple but conventional econometric techniques. One measure of health status [under five-mortality rate (per 1000 live births)] was used as an indicator of health status. The results revealed that the availability of physicians and health insurance are the most important determinants of health status in Ghana. Contrary to findings from earlier studies however, the analyses found income per capita to be a rather insignificant determinant of health status. The policy implications that emanate from this paper based on the results are that the health sector is interlinked with socioeconomic development and therefore, the government of Ghana must not treat the health services in isolation but in an integrated manner to achieve the broader goals of poverty reduction, human capital formation and economic development. The results support the hypothesis of increasing public investments in health, especially in the area that will attract the training and the supply of more physicians. The results also show that the national health insurance policy is a positive determinant of health status and, therefore, much education is needed to enlighten and attract Ghanaian into registering and subscribing to it. Government should also make money available for the purchase of drugs …</text>
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                <text>2013</text>
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