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                <text>The Effect of Capital Structure on the Profitability of Non-Bank Financial Institutions: An Empirical Evidence from the Ghana stock exchange</text>
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                <text>This research aimed to investigate the effects of capital structure on profitability of listed non-bank financial institutions (NBFIs) on the Ghana Stock Exchange (GSE). The research used panel data obtained from the fifteen (15) companies, for the period 2010-2017. In the study, short-term debt (STDTA, long-term debt (LTDTA), firm size (SZ) and liquidity (LQDTY) as a measure for capital structure while Return on Asset (ROA) measure profitability. Result: The study findings show that there is a negative and statistically significant relationship between short-term debt and profitability. However, long-term debt indicates a positive and significant association with the profitability of the firms. The findings of this empirical research are of higher significance for developing nations such as Ghana because it calls for the concentration of firm’s leadership and policymakers to pursue measures that decrease or increase debt dependence in order to achieve optimal capital structure.</text>
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                <text>The textbook content produced by OpenStax is licensed under a Creative Commons Attribution 4.0 International License (CC BY 4.0). </text>
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                <text>Workplace Software and Skills is designed to flexibly support a range of courses covering computer literacy, Microsoft Office, and Google Suite applications. The textbook covers both hard and soft skills that are applicable to a broad range of academic majors and careers. Chapters combine studio learning and guided practice with scaffolded activities designed to reinforce a student’s ability to perform higher-order tasks independently. Workplace Software and Skills leverages complementary product features in spreadsheet, word processing, presentation, and similar applications. Modules are designed for maximum flexibility by including both Microsoft Office Suite and Google Suite applications in order to best reflect the skills needed for today’s workforce. Authentic activities and real-world contexts develop a cumulative and thorough understanding, which reinforces the importance of cross-platform proficiency. Highly visible features also note Apple/Mac functions as needed.</text>
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                <text>On the nexus of credit risk management and bank performance: A dynamic panel testimony from some selected commercial banks in China</text>
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                <text>This study empirically examines the liaison amid credit risk management and bank performance in a multivariate framework using bank size, non-performing loans, real GDP, net income, inflation and return of total assets to loans as indicators of credit risk and return of assets as a proxy of bank performance for some selected commercial banks in China from 2006-2017. With the application of panel econometric approaches that account for the issues of cross-sectional dependence and heterogeneity, results from the P-Y homogeneity test, Pesaran CDLM test, CIPS panel unit root test, Pedroni and Durbin-Hausman panel cointegration, the AMG estimator and the DH panel Granger causality test show that: 1) the panel time series data are heterogeneous and cross-sectionally dependent; 2) analyzed variables are integrated are of the same order (I(1)); 3) there exists a structural long-run relationship amongst the analyzed variables; 4) non-performing loan has a mitigating impact on bank performance, whereas net income and bank size have positive effect on bank performance. Real GDP and inflation impact negatively on bank performance but insignificant whilst the ratio of total assets to loans on the other hand also has a statically insignificant but positive effect on bank performance; 5) a variety of causal relationships are identified amongst analyzed variables; 6) conclusions as well as policy implications are efficient and robust since this study utilizes econometric techniques addresses the issues of heterogeneity and cross-sectional dependence.</text>
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