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                <text>Africa’s quest to achieving improved health status and meeting the Millennium Development Goals targets cannot be effectively achieved without examining the quality of leadership, transitions and regimes and how they impact on the decisions and the policy effectiveness that bring about improved health and living standards of the citizenry. In this paper, we study the importance of regime transitions on government’s expenditure in health and on infant mortality, as a development indicator. A unique panel dataset comprising 44 sub-Saharan African countries spanning from 1970 t0 2010 containing information on political regime and leaders was used for the study. To account for the relevance of leader characteristics in regime transitions in our study we control for leader fixed-effects. The overall results are suggestive of a democratic advantage in the process of achieving effective health policy outcomes for promoting health, and hence the wellbeing of the citizens in contemporary sub-Saharan Africa in the long run. Keywords: Africa, health policy, public health, private health, child mortality, democracy, autocracy, political leaders. JEL Codes: I15, H51, O55</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>Lock, Dennis. </text>
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 &#13;
 &#13;
 &#13;
&#13;
&#13;
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                <text>Cloud computing services and other cloud related technologies have enhanced the capabilities, infrastructure and scalability of various IT needs of enterprises globally. The concept of cloud services is to enable enterprises to cut spending on setting up various IT infrastructures and instead focus its investments on core business needs. A research model was developed to investigate the vulnerabilities associated with confidentiality of cloud computing, how it has improved business processes in the banking industry and how the various security solutions are impacting of cloud computing technology.The study focused on three (3) major factors i.e.&#13;
I. vulnerabilities of cloud based systems,&#13;
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III. the potential business benefits of applying cloud applications in banking. The Unified Theory of Acceptance and Use of Technology Model (UTAUT), the perceived ease of use (PEOU) and perceived usefulness (PU) were used as the research framework which formed the basis for conducting a survey to gather data on cloud computing technology. A questionnaire based survey was carried out and thirty-three (33) out of the expected fifty (50) feedbacks were received from various respondents. The results however asserted that despite the growth and security solutions of cloud computing, banking institutions are not adopting and using the technology as a core banking systems due to the perceived vulnerabilities which pose security threats to sensitive banking data and clients information. The various findings of this study and research recommendations are detailed in the following reports Keywords: cloud computing, Security, Confidentiality, Privacy, solution, bank</text>
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                <text>Ghana Technology University College</text>
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                <text> Dr. Ezer Osei Yeboah-Boateng </text>
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                <text>Lokko George William, Emmanuel Attah Kumah, Collie Cephas Paa Kwasi</text>
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                <text>All performing internal audit function is one of the strongest means to monitor and promote good governance system in an organization. In connection to this, survey is conducted on selected public enterprises Findings reveal that, the existing IAF in the public sector has less satisfactory involvement to assess the effectiveness of governance structure due to lack of resources, poor leadership for IAF, absence of appropriate frame work to measure IAF performance and lack of competent personnel.</text>
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