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                <text>Assessment of the Challenges in the Adoption Of Mobile Banking Services in Ghana: A Case Study Of Accra Metropolitan Assembly.&#13;
 &#13;
&#13;
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                <text>Mobile banking is a new banking medium which allows users to conduct financial services at any place and at any time through mobile devices. Banks in Ghana through partnerships have&#13;
implemented mobile banking services in order to provide affordable and convenient banking services to its users. However, there are concerns raised pertaining to the challenges users face in the adoption of mobile banking services which needs to be addressed else much results will not be achieved despite the huge investment and efforts mobile banking service providers put in. This research examines the challenges in the adoption of mobile banking services in Ghana by extending the renowned framework of Technology Acceptance Model (TAM). The study&#13;
employed a cross sectional survey design. Data for this study was collected through a structured questionnaire in townships around Accra Metropolitan Area. The research revealed that customers will consider adoption mobile banking as long as it is perceived to be useful and easy to use. The study also revealed that performance risk, social risk, financial risk, security risk,&#13;
perceived trust and perceived cost have significant effects on the adoption of mobile banking services with the exception of time risk which was found to have no significant effect on mobile&#13;
banking services adoption. The most critical challenges customers face in the usage of the service were network problems, security/privacy concerns, lack of trust of third party agents and the lack of proper regulatory systems. It was also developed that the issues pertaining to reliable connectivity, utilization cost and fraud risks if reduced to the barest minimum will make the use of mobile banking services more attractive.&#13;
Keywords: Mobile banking services, Technology Acceptance Model, Ghana.</text>
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                <text>Ghana Technology University College</text>
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                <text>September, 2016</text>
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                <text>Mr. Dominic K. Louis</text>
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                <text>Assessment of the Effect of Corporate Social Responsibility on Financial Perfomance of the Mining Firms in Ghana</text>
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                <text>The recent years have witnessed an increasing scholarly focus on the phenomenon of Corporate Social Responsibility. The pressure from civil societies, governments, and the rise of corporate citizenship &#13;
have compelled firms to engage in CSR. Previous research demonstrates mixed findings in terms of the association between CSR and firm performance. This study builds on existing research by examining the effect of CSR on financial performance in the context of mining companies in Ghana. &#13;
The study also explored the nature of CSR activities of firms and the relative effect of various types of CSR on firm performance. The study adopted a quantitative research approach. Both primary and secondary data in the study was collected using questionnaires and also from annual reports of studied &#13;
companies respectively. Respondents in the study were selected using a purposive sampling strategy. &#13;
The secondary data collected was a panel data that span the period of 2015-2019. Employing mean scores as data analytical technique, the study finds that the CSR activities of mining companies largely comprise conformity to production’s quality and assurance, steps to deal with all manner of judgments,staff involvement in prominent matters, geared towards employees health and safety, donation to humanitarian activities, and active involvement in projects that benefit local communities. Moreover, using regression as data analytical technique, the results of the study reveals that CSR is related to firms profitability in a positive way after controlling for firm size and growth rates. Findings of the &#13;
study further point to a greater impact of external CSR on company profitability relative to the effect of internal CSR. From a policy perspective, the study recommends among others that mining firms should prioritize CSR and also focus more on external CSR including donations to charity and policies that enhance welfare of the communities they operate. The study culminates by suggesting future research paths.</text>
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                <text>Mr. Emmanuel Addai Kwaning</text>
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                <text>Assessment of the potability of underground water from a small scale underground mine: A case study</text>
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                <text>Theophilus Joe-Asare, Michael Stanley Peprah, Maxwell Mingle Opoku</text>
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                <text>This study sought to investigate the potability of underground water from the Mohammed and Brothers Small Scale Underground Mine in Tarkwa by analysing two samples of the underground water to determine the water’s physico-chemical parameters and the metals concentrations and coliforms in it. The physico-chemical parameters were analysed using Oyster series multi-meter (341350A) and Hydro test HT 1000 photometer. The result showed that the parameters were within the recommended World Health Organisation (WHO) and United States Environmental Protection Agency (USEPA) limits except for salinity and apparent colour. Analyses for metals and arsenic were conducted using the Varian Atomic Absorption Spectrometer (Varian ASS 240 FS). All the metals analysed were within the standards set by WHO and USEPA but the level of arsenic was above limit. The level of total coliforms and faecal coliforms were determined at the Intertek Service Limited, Tarkwa. The result showed that the levels were within the standards set by WHO and USEPA. The Water Quality Index (WQI) was calculated using the analysed water parameters. High levels of arsenic and salinity in the water renders it unsafe for drinking. Treatment of the water to reduce the arsenic and salinity levels to the standards set by WHO and USEPA will make it suitable for drinking and other domestic purposes.</text>
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                <text>Assessment of the traits which transform the orientation of students and faculty members that impact their entrepreneurial intentions</text>
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                <text>Pius Kwame Agyekum, KM Kumar, Stephen Asunka</text>
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                <text>This research article looks at the personality traits that impart Entrepreneurial Intentions (EI) among students and faculty members in selected Universities of Ghana. The study broadly considers how personality traits and behavior, personality model, parent background and demographic factors impact EI through knowledge and skill acquisition in a University environment. Four major hypothesis listed below were considered for the analysis:</text>
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                <text>Asset Accounting Configuration in SAP ERP </text>
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