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                <text>Orit Hazzan and Yael Dubinsky</text>
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                <text> Assessing the Influence of Petroleum Pricing and Deregulation on Ghana’s Downstream: A Case Study of Selected OMCS and BDCS </text>
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                <text>Osafo-Adjei Martin Jnr.&#13;
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                <text>The price liberalization of petroleum products was considered a good policy direction years ago, but it seems to be losing its relevance today. Thus, the study assessed the influence of petroleum pricing and deregulation on Ghana’s downstream in current times. The specific objectives of this study were to; examine the current nature of Ghana’s petroleum retail price deregulation policy in the downstream sector; assess the current overall implications of petroleum price deregulation on OMCs and BDCs in Ghana and explore profitable business operations adopted by OMCs and BDCs after post deregulation. &#13;
The study employs descriptive methods research design. The research approach used mixed research which employs both quantitative and qualitative approaches. The study population is made up of 116 Oil Marketing Companies (OMCs) and 33 Bulk Distribution Companies (BDCs) which sums the study population to 149 companies. In determining the sample size for administering the questionnaire confidence level of 95% with a margin of error of 5% of the population was calculated to result in 108 respondents representing the population. The sample size for the interview was 3 respondents as officials from the National Petroleum Authority, Association of Oil Marketing Companies and the Ministry of Energy were interviewed. Thus, the total sample for the study was 111 respondents. &#13;
The study concludes that the current nature of Ghana's petroleum retail price deregulation policy in the downstream sector is more centered on taxation and revenue generation for the country. Also, the implications of price deregulation policy on OMCs and BDCs are increased market competition, improved services, increased cost of operations, reduced profit margins, customer complaints about prices, no shortages of petroleum products, inability to generate &#13;
adequate funds, political interference, more taxes, stricter monitoring, and boost of economic recovery. Further, the study concludes that the profitable business operations OMCs and BDCs have adopted are buying cheaper products on the market, buying, and selling quality petroleum products, providing additional services to clients, advertisement, and promotions.</text>
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                <text>MBA. Petroleum Economics and Finance</text>
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                <text>Ghana Communication Technology University Library</text>
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                <text>Riverson Oppong, (Phd)</text>
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                <text>Sharing Ecosystem Services Building More Sustainable and Resilient Society</text>
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                <text>Osamu Saito</text>
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                <text>Factors influencing consumer loyalty: evidence from the Ghanaian retail banking industry</text>
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                <text>Osaretin Kayode Omoregie, John Agyekum Addae, Stanley Coffie, George Oppong Appiagyei Ampong, Kwame Simpe Ofori</text>
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                <text>Purpose&#13;
The increasing number of banks in the Ghanaian banking industry has brought about intense competition in the industry. The purpose of this paper is, therefore, to examine the factors that influence retail banking customers’ loyalty intentions.&#13;
Design/methodology/approach&#13;
In order to validate the proposed research model, the study adopts a survey design. Data were collected from 565 customers of the top performing banks in terms of customer deposits. Data analysis employed the partial least squares structural equation modeling (PLS–SEM) using SmartPLS version 3.&#13;
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Results from the PLS–SEM analysis indicated that satisfaction, service quality and trust had significant effect on loyalty, with satisfaction having the most significant effect. Interestingly corporate image was found to have a significant effect on both satisfaction and trust but not on loyalty. In all, the proposed model accounted for 63.3 …</text>
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                <text>The study re-examines the short run and long run relationship between stock market development and economic growth in Ghana. The study employed secondary quarterly data spanning 1991-2014. To empirically test the relationship between the two variables, first, the study employed the Unit root test, Johansen’s cointegration test and the Granger causality test. The Autoregressive Distributed Lag (ARDL) and Error Correction Model (ECM) were also used to capture both the short-run and long-run dynamics. The results reveal that there is cointegration between the two variables and the existence of a weak long run causality flow from economic growth and stock market development. Conclusively, the extent to which Ghana stock market development affects economic growth is negative and statistically weak.</text>
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                <text>Government Expenditure Pertaining to Economic Growth</text>
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                <text>Otu Larbi-Siaw, Derrick Ofori Donkor, Tert Kaiko</text>
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                <text>The study was conducted through the application of cointegration regression test was conducted to ascertain the long run relationship and elasticity for the degree of responsiveness of GDP to changing government expenditure using a data series acquired from the world data bank for the period 1990-2014. Based on the results gained from the analyses, the results of the unit root propose that all the variables in the model are stationery and the causality test suggests that GDP causes government expenditure. The results obtained from the cointegration test revealed Government Expenditure (GE) is not equal to zero (insignificant) from the correlation analysis, indicative of a positive relationship between GE and GDP which is evidence that GDP and Government Expenditure (GE) move in the same direction. An increase in one affect the other positively. Conclusively, the results discovered a positively significant …</text>
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                <text>The study examines approaches wherein two external factors spur Ghanaian firms to eco-innovate: ecological regulatory stringency and market turbulence.&#13;
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                <text>The study investigates the influence of selected macroeconomic and financial level variables on bank deposits in Ghana. It specifically examines the dynamic effect of deposit interest rate, inflation, monetary policy rate, growth of money supply and stock prices (All Share Index) on the level of bank deposits. The dataset for the study consisted of quarterly data spanning the years of 2000 to 2013 gathered from the Bank of Ghana (BoG) monetary time series database and the World development Indicator (WDI) database. Employing a Co-integration analysis and Fully Modified Ordinary Least Square (FMOLS), both short and long run elasticity’s of the model are estimated. The preliminary test for unit root indicated that all the variables are integrated of order one (an I (1) process) and the cointegration revealed the presence of one co-integrating equation. Empirical findings form the study indicates a significantly negative short-term impact of both inflation and growth of money supply of bank deposits in Ghana. The long-run effects of the various independent variables on bank deposit are also discussed. Some of the variables conformed to priori expectations, albeit insignificant. Appropriate measures are also recommended based on the findings thereof.</text>
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