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                <text>Assessing the influence of green finance, renewable energy and digitization in stimulating economic expansion: Lessons from emerging economies</text>
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                <text>Samuel Mensah Owusu, Patrick Acheampong</text>
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                <text>This study investigates the determinants of economic expansion in the E7 nations—Brazil, China, India, Indonesia, Mexico, Russia, and Turkey—focusing on the interplay between carbon emissions (CEM), renewable energy consumption (REC), green finance (GFN), digitalization (DIG), and institutional quality (INQ). Using panel data spanning 1990–2020 sourced from the World Development Indicators and employing the Driscoll-Kraay standard error method for robust econometric analysis, the study provides novel insights into these factors. The findings reveal that carbon emissions significantly challenge sustainable growth, necessitating urgent environmental policy interventions. Digitalization is a major economic development catalyst, with enhanced ICT access and digital infrastructure driving productivity and innovation. Both renewable energy consumption and green finance are highlighted as pivotal in …</text>
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                <text>Assessing the influence of pod storage on sugar and free amino acid profiles and the implications on some Maillard reaction related flavor volatiles in Forastero cocoa beans</text>
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                <text>Michael Hinneh, Evangeline Semanhyia, Davy Van de Walle, Ann De Winne, Daylan Amelia Tzompa-Sosa, Gustavo Luis Leonardo Scalone, Bruno De Meulenaer, Kathy Messens, Jim Van Durme, Emmanuel Ohene Afoakwa, Luc De Cooman, Koen Dewettinck</text>
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                <text>The practice of pod storage (PS) has been applied in many cocoa producing countries, especially by Ghanaian farmers over the years. However, the study of PS has not received much attention, hence, until now, its potential impact on specific flavor precursor development and implications on the flavor of cocoa beans still remains uncovered. The study was therefore aimed at exploring this possibility through physico-chemical and flavor precursor analyses, carried out on equally fermented and dried pod stored (0, 3 and 7 days) Ghanaian cocoa beans. Flavor analysis was also conducted on equally roasted pod stored cocoa beans. Through visual assessment of the pods, pulp and beans, the compelling impact of PS on fermentation index (FI) and nib acidity could be demonstrated by the various biochemical and physical changes such as respiration, moisture reduction, and cellular degradation, occurring during …</text>
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                <text>Assessing the influence of total quality management on customer satisfaction in the telecom industry: a TQM–SERVQUAL perspective</text>
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                <text>Michael Owusu-Kyei, Yusheng Kong, Michael Owusu Akomeah, Stephen Owusu Afriyie</text>
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                <text>Total quality management (TQM) has become a reliable quality and customer satisfaction approach that can meet or exceed customer satisfaction. Previous studies have not really tied total quality management in the aspects of SERVQUAL as the major influence on customer satisfaction in the Ghanaian telecommunication sector, thus the need for this research. As customer satisfaction continues to rise, telecommunication customers expect service quality to improve to meet their satisfaction. The quality of service determines the customer satisfaction level in a service industry, such as telecom. Effective total quality management would result in better service quality. SERVQUAL is arguably the model to assess the effectiveness of customer satisfaction in the service industry. The aim of this study is to assess the influence of total quality management on customer satisfaction in the telecom industry from a TQM–SERVQUAL perspective. The study relied on questionnaires to gather data about the TQM services on customer satisfaction. A self-completion questionnaire was administered to customers and employees of MTN Ghana and Vodafone Ghana. Both companies operate with the same procedures and equipment, hence the need to use the same apparatus for all contacted customers and employees. There were 800 respondents from both companies’ employees and customers, although 850 questionnaires were administered. Descriptive statistical analysis was used through the questionnaire. The investigators also ran preliminary tests such as reliability, validity, and multicollinearity tests to ascertain if the received data were reasonable enough …</text>
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                <text>Assessing The Information Systems Secrity Challenges In Cloud Computing: A Case Study Of Cocoa Marketing Company Ghana Limited Submitted  &#13;
&#13;
 &#13;
.&#13;
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                <text> Jennifer Ashiokaa Bidema</text>
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                <text>Cloud computing is the computing model in which the computing resources such as software, hardware and data are delivered as a service through the internet with the aid of web browsers or light-weight desktop machine over the internet (Wink, 2012). This computing model has taken over physical hardware infrastructure by cutting off the cost to procure huge local serv-ers for to augment business operations and storage. (Montero &amp; Llorente, 2012). The adop-tion of cloud as a service is affected by different security issues and challenges such as Tem-porary Denial of Service (TDOS) attacks, user identity theft, session hijacking issues and flashing attacks (Danish, 2011).&#13;
The research was conducted at the Cocoa Marketing Company Ghana Limited (CMC). For which employees were sampled through a purposive sampling technique. The data collection involved employee’s answers to questions posed to them in the questionnaires administered. The purpose of this study is to assess the information systems security challenges in cloud computing and bridge the research gap between the cloud security challenges, measures and the existing security threats. An assessment into existing cloud service models, security standards, currently adopted security measures and their degree of flawless protection has been done. The study helped in outlining the security challenges, issues and their solutions whereas the empirical study facilitated in acknowledging the concerns and perception of po-tential cloud users perceptions and challenges. The empirical method used in this research is questionnaires to validate the theoretical findings. According to findings of the study, most organizational departments like CMC relay on shared folders as part of their business operations a medium of sharing information. This pro-vides a better way for introducing cloud computing in such organizations. The study also stated that there are staffs in specific organizations assigned with the duty of data protection, so the perception on data security should not be an issue for such organizations.&#13;
Cloud computing or cloud as a service when adopted according to the study has the tendency to help organizations like CMC to gain competitive advantage in their area of business. How-ever the perception that cloud adoption will open the floodgates for intruders to compromise confidentiality, integrity and availability of data has become the major drawbacks hindering organizations mostly in Africa to adopt the use of cloud to enhance their ways of doing busi-ness. Based on the information gathered from the respondents it is clear that cloud computing is a possibility in CMC. However, management could be a hindering block to its implementa-tion since most of them are politically skewed to the government of the day. These security challenges and perceptions are highly beneficial to the adoption of cloud com-puting because it offers to organizations the knowledge into the potential security risks and challenges and provide some mitigation mechanism for organizations who will be willing to adopt the cloud as a service in the future.</text>
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                <text> Msc In Management Information Systems </text>
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                <text>Ghana Technology University College</text>
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                <text>May, 2018</text>
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                <text>Dr. Stephen Asunka </text>
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                <text>Assessing the Level of Information Security Governance (Isg) In Mobile Money Issuers in Ghana &#13;
  &#13;
 &#13;
  &#13;
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                <text>Kwame Boa-Amponsem</text>
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                <text>The purpose of this study is to assess the maturity level of implementation of Information Security Governance (ISG) in mobile money firms in Ghana. Mobile Money Issuers in Ghana play an increasingly active role in our financial sector. This is to analyse whether mobile money firms have implemented acceptable levels of information security governance with regards to all aspects of their operations. A survey was conducted using a self-administered questionnaire to assess the degree of implementation of information security governance. The questionnaire was adopted from Information Technology Governance Institute‟s ISG guidelines for executive management and board of directors. All four mobile money firms in Accra-Ghana took part in the survey via email. Responses from the mobile money firms were collated. The results of the study showed that all mobile money issuers in Ghana have implemented most information security governance measures to an acceptable level and thus had a „good‟ rating in the maturity level of ISG implementation. Nevertheless, not all information security governance practices were well implemented by mobile money issuers. Relevant information security policies were not included in the contracts of third parties. Again, third parties and employees of these mobile money firms were not adequately informed and educated of their role in the firm‟s information security program. Finally, major business decisions made by the management of the mobile money firms did not consider information security issues.&#13;
This study provides lawmakers in Ghana with the necessary information to pass and enforce regulations that will further protect the personal data of consumers. The study also affords management in the various mobile money firms insight into their information security governance with the goal of improving their security governance.&#13;
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                <text> Dr. Stephen Asunka</text>
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                <text>A reconciliation of the disagreement on whether financial globalization (FG) affects ecological footprint through the scale, technique and composition effects cannot be achieved without an explicit understanding of the direct and indirect interactions of FG with environmental sustainability. Hence, the novel perspective of this study lies in the investigation of how green innovations moderate the non-linear tendencies in the FG-environmental sustainability link among western African states given the abundance of natural resources and the prevailing pace of economic growth. The core findings are obtained from robust analysis based on cross-sectional autoregressive distributed lag (CS-ARDL) technique, the augmented mean group (AMG) technique, and the common correlated effects mean group (CCEMG) advanced estimators. Firstly, the beneficial ecological impacts of green innovations were observed. As per …</text>
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                <text>The dissertation evaluated the impact of Ghana Alternative Exchange Market (“GAX”) on the financial performance of Small and Medium Enterprises (“SMEs”) in Ghana using Izwe Loans Limited (“Izwe Loans”) as the case under study. In assessing impact of growth, the research undertook a descriptive statistics evaluation of five key financial performance indicators and interpreted the outcome. The study first and foremost described the emergence of alternative exchanges in other jurisdictions across the globe specifically in Europe, Asia and other African countries in a bid to resolve challenges SMEs or small businesses face in assessing funds from the capital market to finance their operations. Further, an overview of SMEs and the important role they play in economic development of nations was also highlighted citing access to finance as a major constraint they face. Theoretical and empirical review of literature related to this thesis were also evaluated and research gaps pointed out. To satisfy the research hypothesis of whether or not the GAX has had any effect on the growth of Izwe Loans, this study adopted both trend analysis to examine the trends in the financial performance of Izwe Loans and repeated measure multivariate analysis of variance (one-way rMANOVA) to estimate the model. From the trend analysis, it was found that, Izwe Loans recorded its lowest figures in 2014 having recorded fluctuating figures in 2012 and 2013. Three of the five performance indicators examined however began to rise steadily in 2015 and 2016. Inferring from the descriptive statistics results, only two ratios return on asset and return on equity recorded any significant improvement in financial performance post the GAX listing. The other three indicators, Net Interest Margin, Operating Profit Margin and Net Profit Margin did not post any significant improvement after the GAX listing. The conclusion of the study was that, the GAX has had some positive impact on Izwe Loans in terms of ROE and ROA but further studies on the GAX and listed SMEs need to carried when more data is available to re-assess its impact on the listed companies.</text>
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                <text>&#13;
Universal access to financial services is a critical component which drives development since it includes the vulnerable such as low-income household in the society to participate in the governance of the country (Iqbal and Sami, 2017). When people get access to financial services, it transforms their production through investment which eliminates them from poverty. Studies have propounded that the basic activity of the financial service sector is to make credit available to its customers. In this way, customers can increase their economic activities (Iqbal and Sami, 2017). Other evidence has confirmed that there is no country which has succeeded in reducing poverty without the expansion of financial accessibility to its rural populace (Rewilak, 2017). When the rural poor have access to finance, they achieve a large increase in production of various primary activities such as agriculture and this enables them to produce surpluses in food, labour and even financial resources which are the basic necessity of a country’s industrialisation and urbanisation (Villarreal, 2017). However, within the short and medium terms, making finance available has its own adverse impact on the rural populace hence it is important that various measures are put in place to overcome these barriers so that the long-term convergence of productivity among the different sectors of the economy could be realised (Bangko Sentral ng Pilipinas, 2015). When this is done, the expectation is a broad spectrum of opportunities which might arise from this progressive change and a renewed mindset of the people to take up challenges.</text>
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