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                <text>Challenges associated with borrowing have become a worldly topic worth researching. Most especially in sub-Saharan Africa due to the poverty rate which is associated with lack of capital to state businesses. Thus, this study seeks to investigate the issues with borrowing and its underlying effects on Micro Small and Medium Enterprise (MSMEs) in Kaneshie in the Greater Accra Region of Ghana. The entire population targeted for this research was 73 and same were sampled. But, 65 respondents were randomly drawn out of the 73 population for a mixed research approach.Some of the challenges associated with borrowing by MSMEs are collateral requirement, tedious loan procedures and long disbursal periods. Also, the effects established on borrowed funds are high interest rates, tax, inflation as well as the risk association.The research employed descriptive research design since it portrays accurate responses …</text>
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                <text>The spread of COVID-19, travel restrictions and social distancing continue to affect the hotel industry globally. Using Accra and Kumasi metropolis, the aim of the study is to assess the impact of the COVID-19 on hotels in Ghana. The Survey technique is used. Data was collected from 80 hotel managers using questionnaires. Paired sample t-test was used to compare the average number of employees before COVID-19 and the average number of employees presently at post. Analysis of variance (ANOVA) was used to compare the different levels of impact on the different types of hotels in the country. The major findings are indicated about employees from different hotels on total number of employees before and during COVID-19. Moreover, results also highlighted on the negative impact on Ghana’s hotel industry due to this pandemic spread globally. Implications are discussed.</text>
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                <text>Assessment of Inadequate Risk Management in Building Projects &#13;
 &#13;
 &#13;
&#13;
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                <text>Grace Adwo Archer</text>
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                <text>Building projects are usually multifaceted and highly diverse to deal with, in comparison to projects done in the previous years, current projects are more time restricting, giving rise to immense technical challenges, and rarely gives the impression to have enough resources. All of this leads to increased project risk; this runs through most projects because every building project involves risks. The management within the building industry requires reliant approach to information and knowledge in order to manage risks in an adequate and organized method of action. Thus, the implementation of an effective risk management in relation to managing associated project risk knowledge may expedite successful building / construction project endeavors.&#13;
The aim of this study is to develop an understanding of issues pertaining to managing risks in building projects as well as approaches for efficient and effective management of risks in projects within the building industry. This was carried out by providing background specification on risk management, it outlines the aims and objectives, the purpose of study and touches on ethical considerations. This paper tends to review the existing comprehensive (work of literature) and presenting how this study is distinguished from the others. Alongside, a number of theoretical concepts and views of experts and researchers with respect to the subject area and their input to the existing literature. It additionally, provides the methodological framework and includes strategies adopted in obtaining data, how achievable and well argued it was, to help in providing data analysis. This study finally highlights the analysis, findings and discussion of results derived from the data gathered. It provides an accurate presentation of data with a clever interpretation of results, and as a final point, summarizes the dissertation, by stating the outcome of the surveys as well as providing recommendations and references for future research guidelines on project risks within the range of the building / construction industry.</text>
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                <text> MSc in Engineering Project Management </text>
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                <text>Ghana Technology University College</text>
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                <text>Ing. Isaac Hanson</text>
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                <text>Assessment of Neonatal Mortality and Associated Hospital-Related Factors in Healthcare Facilities Within Sunyani and Sunyani West Municipal Assemblies in Bono Region, Ghana</text>
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                <text>Kassim Tawiah, Killian Asampana Asosega, Samuel Iddi, Alex Akwasi Opoku, Iddrisu Wahab Abdul, Richard Kwame Ansah, Francis Kwame Bukari, Eric Okyere, Atinuke Olusola Adebanji</text>
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                <text>Objectives&#13;
Ghana’s quest to reduce neonatal mortality, in hospital facilities and communities, continues to be a nightmare. The pursuit of achieving healthy lives and well-being for neonates as enshrined in Sustainable Development Goal three lingered in challenging hospital facilities and communities. Notwithstanding that, there have been increasing efforts in that direction. This study examines the contributing factors that hinder the fight against neonatal mortality in all hospital facilities in the Sunyani and Sunyani West Municipal Assemblies in Bono Region, Ghana.&#13;
Methods&#13;
The study utilized neonatal mortality data consisting of neonatal deaths, structural facility related variables, medical human resources, types of hospital facilities and natal care. The data was collected longitudinally from 2014 to 2019. These variables were analysed using the negative binomial hurdle regression (NBH) model to determine factors …</text>
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                <text>The paper contributes to the existing literature in assessing the contributions of Personality Traits, Personality Models, and University Systems that enhance entrepreneurial intentions (EIs) in Higher Education to produce entrepreneurial mindset graduates. Qualitative and Quantitative surveys conducted in 2018 and 2019 involved 568 and 400 students and faculty respectively from eight Ghanaian Universities. Face-to-face interviews and focused group discussions were employed. Data analysis was performed using Excel, Statistical Package for Social Sciences, and Smart Partial Least Square Structural Equation Model. The findings indicated that Locus of Control, Subjective Norms, and Need for Achievement sufficiently impacted EIs. University Culture, Leadership, and Institutional Structures also impacted EIs greatly. Time and resource constraints constituted a limitation of the study. Longitudinal research to …</text>
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                <text>ASSESSMENT OF RISK AND CHALLENGES OF DEBT MANAGEMENT PRACTICES IN ORGANISATIONS</text>
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                <text>Kofi Mintah Oware, Solomon Samanhyia, George Oppong Appiagyei Ampong</text>
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                <text>Account receivables have been a major problem for most utility service providers especially those still dealing with the post payment method where services are rendered before payment is made. This study assessed risk and debt management practices using Ghana Water Company Ltd (GWCL) as a case study. Both primary data and secondary data were used. Ratio analysis was main data analytical procedure. The study found account receivables to be fluctuating from 2010 to 2014 whereas revenue collected falls short of account receivables over the same period. The account receivable to current asset ratio indicated the existence of poor management of account receivables. Improper risk management of accounts receivables led to the inability of GWCL to initiate maintenance and expansion projects. The weakness of the law, ineffective and inefficient management of accounts receivables and poor investment in the collection of account receivable were some of the factors identified as the causes of poor</text>
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                <text>https://scholar.google.com/citations?view_op=view_citation&amp;amp;hl=en&amp;amp;user=NogL9W0AAAAJ&amp;amp;cstart=20&amp;amp;pagesize=80&amp;amp;citation_for_view=NogL9W0AAAAJ:kNdYIx-mwKoC</text>
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                <text>Assessment of soil fertility and quality for improved cocoa production in six cocoa growing regions in Ghana</text>
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                <text>John Edem Kongor, Pascal Boeckx, Pieter Vermeir, Davy Van de Walle, Geert Baert, EO Afoakwa, Koen Dewettinck</text>
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                <text>Inadequate or lack of prudent soil fertility management by cocoa farmers leads to nutrient depletion in cocoa production fields. The objective of this study was to assess current soil fertility status of cocoa farms from six cocoa growing regions in Ghana and to derive an integrated soil quality index (SQI). Composite soil samples from 0 to 30 cm depth were collected from 100 selected farms covering the six cocoa regions. Soil pH, %C, %N, total and available P, cation exchange capacity (CEC), and exchangeable cations (Ca, Mg, K) were measured. These parameters were analyzed using principal component analysis, normalized, and integrated into a weighted-additive SQI. Soil pH of majority (59.0%) of the farms was within 5.6–7.2, suitable for cocoa production. Available soil-P in most (82%) of the farms was &lt; 20 mg kg−1. Soil quality in most farms was generally low, with an average SQI of 0.41 ± 0.14 …</text>
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                <text>2019</text>
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                  <text>MSc. Engineering Project Management</text>
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                <text>Assessment of Strategies for Improving Occupational Safety Culture in Ghana Cocoa Board&#13;
&#13;
&#13;
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                <text>Isaac Kingsley Edzii</text>
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                <text>Human related mischances in high hazard businesses like Quality Control Organization (QCC) Restricted add up to a noteworthy monetary danger and acquire huge harms, causing over the top operational expenses and death toll. For instance, QCC utilizes chemicals, for example, Detia gas for fumigation, pyrethrin for misting and part of these chemicals has genuine repercussions if appropriate security measures are not considered. As per (Anon, 2011), presentation of the skin to chemicals can bring about physical inconvenience and agony, loss of work time and salary, powerlessness to perform employment or loss of occupation, restorative costs, personal satisfaction issues and social debilitations. Again substance introduction to the skin can bring about either worldly harm to the skin or perpetual wellbeing harm to the skin. Some transitory harm incorporate dry, red, broke skin, from contact with water, cleansers, gas and certain kinds of solvents. The reason for this investigation is to survey the health and safety hones and to decide the systems for enhancing security culture in QCC and furthermore to decide the level of consistence of Wellbeing and Wellbeing guidelines in QCC, Ghana COCOBOB. Polls were readied and through the straightforward arbitrary testing strategy staff and administration were chosen. Their reactions were assembled and dissected deliberately utilizing Microsoft Exceed expectations to distinguish the potential techniques expected to enhance the word related health and safety of the staff of QCC. After cautious perception of the respondents' perspectives the examination turns out with the view that Ghana COCOBOD, Takoradi has a decent security culture. Be that as it may, their security culture can be enhanced if a specific office is put aside for entirely wellbeing issues. Once more, the greater part of their security hones are as per the practices stipulated in the Ghana Work Demonstration of 2003. Be that as it may, the dedication of administration in specific zones, for example, the arrangement of satisfactory assets is brief time and the administration ought to be concerned. Again from the examinations, the introduction on security alone isn't sufficient and more instruction ought to be done on wellbeing issues.</text>
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                <text> MSc Engineering Project Management</text>
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                <text>Ghana Technology University College</text>
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                <text>Mr. Kwadow Ankomah</text>
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                  <text>MSc. Oil &amp; Gas Management</text>
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                <text>Assessment of Supply Chain Management Practices and its Effect on Performance of Ghana Oil and Gas Downstream Sector: A Case Study of Total Petroleum Ghana.&#13;
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                <text>In Ghana, petroleum products account for about 26% of total energy consumption (Ministry of Energy, 2010) and about 70% of Ghana’s commercial energy needs (Oil and Gas in Ghana - Overview, 2013). The Ministry of Energy estimates that the market for major petroleum products in Ghana will grow by 5.3% annually through 2015 and projects this figure is likely to increase if economic growth is sustained. The petroleum industry includes the global processes of exploration, extracting, refining, transporting and marketing petroleum products. The industry is usually divided into three major sectors: upstream, midstream and downstream (Petroleum Industry, Wikipedia, 2013). The upstream is concerned with exploration and production, the midstream deals with storage, marketing and transportation of commodities like crude oil, natural gas, natural gas liquids (NGLs, mainly ethane, propane and butane) and sulphur. The downstream sector involves oil refineries, petrochemical plants, petroleum products distributors, retail outlets and natural gas distribution companies. Midstream operations are considered a part of the downstream sector. In Ghana, the upstream sector is regulated by the Ghana National Petroleum Corporation (GNPC), whilst the downstream sector, the National Petroleum Authority (NPA). The discovery of oil in commercial quantities in 2007 raised the expectations of stakeholders and consumers alike of the petroleum sector on its significant role and contribution to Ghana’s developmental efforts in accelerated economic growth, job creation, poverty reduction and general prosperity to the people of Ghana (National Energy Policy, 2010).</text>
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                <text>Mr. Alexander Akrofi</text>
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