Garuda - Garba Rujukan Digital

Microfinancing and Poverty Alleviation: A Case of Advans Savings and Loans Limited in Sunyani Mahi Bawa; Oscar Agyemang Opoku
International Journal of Business, Technology and Organizational Behavior (IJBTOB) Vol. 3 No. 1 (2023): February | International Journal of Business, Technology and Organizational Beh
Publisher : Garuda Prestasi Nusantara Consulting

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52218/ijbtob.v3i1.256

The study examined the effect of microfinance on poverty alleviation in Sunyani Municipal using Advans Savings and Loans Limited. The study employed descriptive survey of the quantitative approach. Convenience sampling was used to select 243 respondents to form part of the study. Questionnaire was used as a data collection instrument to solicit for data from the market operators. The data gathered from the respondents were analyzed descriptively using frequencies, percentages and means as well as paired sample t-test with the aid of Statistical Package for Service Solution software version 21.0. The study found that household’s income, agribusiness, productivity and paying of utility bills have been improved after the introduction of microfinance service. Households’ daily savings, frequent of savings, and amount of savings have been improved subsequently after accessing microfinance products. There has been an improvement in the acquisition of assets after households started to patronize microfinance services. Respondents’ livelihoods have been influenced positively. There has been an appreciable improvement in financial, human and physical assets but little influence on natural and social assets. Therefore, the study recommended that microfinance should develop and improve upon packages and products for households in order to improve upon their income levels as well as acquisition of basic household assets. Moreover, households should be sensitized and educated on the essence of investing in social assets as well as social assets in the society.

Liquidity And Performance Of Banks Listed On The Ghana Stock Exchange Magnus Kofi Quansah; Oscar Agyemang Opoku
Interdiciplinary Journal and Hummanity (INJURITY) Vol. 2 No. 5 (2023): INJURITY: Journal of Interdisciplinary Studies.
Publisher : Pusat Publikasi Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58631/injurity.v2i5.77

The aim of the study was to examine the effect of liquidity on the performance of banks listed on the Ghana Stock Exchange. The study employed annual panel data of 8 out of the 9 banks listed on the Ghana Stock Exchange. The random effect model was used with the aid of Hausman test. The data used for the study spans from 2015 to 2019. The study found among other things that 34.8% variation in the return on asset of banks listed on the Ghana Stock Exchange can be explained by sales growth rate, firm size and liquidity. The study revealed that liquidity and sales growth do not have any statistically significant effect on the profitability of banks listed on the Ghana Stock Exchange. However, the size of a bank in terms of its total assets has a significant effect on the profitability of banks listed on the Ghana Stock Exchange. The study finds that liquidity and sales growth do not have any statistically significant effect on the profitability of banks listed on the Ghana Stock Exchange, the size of a bank has statistically significant effect on the return on assets of banks listed on the Ghana Stock Exchange. It was recommended that banks listed on the GSE must work on reducing their interest expense to enhance their liquidity positions. Managers of banks listed on the GSE must work at increasing their asset base as there exists a significant relationship between size and profitability

Effects Of Financial Management Practices On The Operational Performance Of The Ghana Police Force Mark Kyei; Oscar Agyemang Opoku
Interdiciplinary Journal and Hummanity (INJURITY) Vol. 2 No. 7 (2023): INJURITY: Journal of Interdisciplinary Studies.
Publisher : Pusat Publikasi Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58631/injurity.v2i7.97

The study was to establish the effect of the financial management practices on the operational performance of the Ghana Police force in the Greater Accra Region of Ghana. The study used a descriptive survey design of the quantitative approach. It targeted staff of Ghana Police Service in the Greater Accra Region of Ghana. The study employed census and questionnaire was employed to gather data from them. The questionnaire was analysed descriptively using frequencies and percentages with the aid of Statistical Package for Service Solution version 26. The study found that effective financial management practices have assisted in reducing, crime apprehension and prosecution, crime rate, crime detection and prevention, protection of life and property, as well as peace and tranquility. Factors that hinder the effective financial management practices in the Ghana Police force included; political changes/interference, timeliness of resources and finance, problems of accountability and transparency, and problems of bureaucracy and inefficiency. Therefore, the study recommended that the Ghana Police Service should ensure that liquidity policy is reviewed periodically. Also, the Ghana Police Service should strengthen the system of supervision for cash collection and disbursement. Moreover, the Ghana Police Service should ensure that there is analysis of performance and plans are compared to actual plans with budget. Furthermore, the Ministry of finance in collaboration with the Ghana Police Service should release resources and finance on time. Lastly, the Ghana Police Service should ensure that there is accountability and transparency as well as reducing the bureaucracy and inefficiency

Assessing The Effect of Creative Accounting on Corporate Performance: a Case of Selected Listed Commercial Banks on the Ghana Stock Exchange Albert Mensah; Ruth Ruby; Daniel Osei; Abdul Wahab Atta Bashiru; Oscar Agyemang Opoku
Interdiciplinary Journal and Hummanity (INJURITY) Vol. 3 No. 1 (2024): INJURITY: Journal of Interdisciplinary Studies.
Publisher : Pusat Publikasi Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58631/injurity.v3i1.169

The study examined the effect of creative accounting on the performance of commercial banks listed on the Ghana Stock Exchange. The research design chosen for this study is an ex-post facto research design, which involves examining facts that have already occurred without any interference. The research approach adopted is quantitative, focusing on objective measurements and statistical analysis of data collected through surveys. The study relies on secondary data, specifically financial reports of deposit money banks listed on the Ghana Stock Exchange. The target population includes all the listed commercial banks on the exchange. The sample size consists of 8 out of the 9 commercial banks selected based on their up-to-date financial reports. The data analysis was done with the aid of SPSS software, employing descriptive and inferential statistical techniques such as multiple regression was used to determine the cause and effect relationship among variables. The study found that there was a strong positive link among a bank's size, creative accounting and sales growth and its return on assets and return on equity. Also, SIZE and SG positively affect the profitability (ROA and ROE) of the listed firms on the GSE. However, Creative Accounting negatively affects profitability (ROA and ROE). Therefore, ccommercial banks should be critical regarding on issues or items that they classified under creative accounting. Also, commercial banks should develop strategies to lure many shareholders to invest in the banks in order to improve upon their performance. Moreover, there is urgent need for monitoring companies’ activities in order to raise the quality of financial reporting in Ghana. This can be achieved in determining which accounting manipulation is kept within the limits of legality. Lastly, commercial banks should strengthen their internal control systems in order to deal with issues of creative accounting and misleading financial reports.

Effect of Interest Rate on Customers’ Demand for Loans in Atiwa Rural Bank PLC, Ghana Raymond Obeng Boateng; Albert Mensah; Daniel Osei; Abdul Wahab Atta Bashiru; Oscar Agyemang Opoku
Interdiciplinary Journal and Hummanity (INJURITY) Vol. 3 No. 2 (2024): INJURITY: Journal of Interdisciplinary Studies.
Publisher : Pusat Publikasi Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58631/injurity.v3i2.174

This study sought to determine the influence of interest rate on demand for loans among Rural Banks in Ghana. The study adopts an explanatory design of the quantitative approach. Secondary data from the Atiwa Rural Bank PLC database was used. The data were analysed using frequencies and percentages. Also, binary logistic and linear regression were used in analysing the relationship among the key variables of this research. The study found that interest rate of Atiwa Rural Bank PLC was rated as moderate while repayment status was high. There were differences between the category of the respondents and the repayment status. More males repay their loans as compared to females and groups. Also, differences existed between the employment status of the respondents and the repayment status. Moreover, insignificant differences were identified between the employment status of the respondents and the repayment status. Interest rate affects loan period positively. Also, a strong positive correlation between interest rate and loan period was determined. Interest rate affects amount of facility negatively. Moreover, credit facility with high interest rate is 1.020 times more likely to default in paying back the credit facility as compared to respondents who obtained their credit facility as a moderate or low interest rate. Increasing interest rate was associated with low or default in repayment of credit facility. The study therefore, recommend that management of the Atiwa Rural Bank PLC put up measures to able to track and retrieve all small amount of facility or loans given to clients. Also, the management of the Atiwa Rural Bank PLC should target more salaried workers and loans used for emergency services such as medical bills, school fees among others in order to reduce Non-Performing Loans (NPL). Moreover, the management of the Atiwa rural bank should improve upon the mechanisms implemented regarding giving of group loans and repayment issues.

Microfinancing and Poverty Alleviation: A Case of Advans Savings and Loans Limited in Sunyani Mahi Bawa; Oscar Agyemang Opoku
International Journal of Business, Technology and Organizational Behavior (IJBTOB) Vol. 3 No. 1 (2023): International Journal of Business, Technology, and Organizational Behavior (IJB
Publisher : Garuda Prestasi Nusantara Consulting

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52218/ijbtob.v3i1.256

The study examined the effect of microfinance on poverty alleviation in Sunyani Municipal using Advans Savings and Loans Limited. The study employed descriptive survey of the quantitative approach. Convenience sampling was used to select 243 respondents to form part of the study. Questionnaire was used as a data collection instrument to solicit for data from the market operators. The data gathered from the respondents were analyzed descriptively using frequencies, percentages and means as well as paired sample t-test with the aid of Statistical Package for Service Solution software version 21.0. The study found that household’s income, agribusiness, productivity and paying of utility bills have been improved after the introduction of microfinance service. Households’ daily savings, frequent of savings, and amount of savings have been improved subsequently after accessing microfinance products. There has been an improvement in the acquisition of assets after households started to patronize microfinance services. Respondents’ livelihoods have been influenced positively. There has been an appreciable improvement in financial, human and physical assets but little influence on natural and social assets. Therefore, the study recommended that microfinance should develop and improve upon packages and products for households in order to improve upon their income levels as well as acquisition of basic household assets. Moreover, households should be sensitized and educated on the essence of investing in social assets as well as social assets in the society.

Design Get Up System Information Inventory Goods Based Web Using the Waterfall Method at CV. Tekno Maju Jaya Siti Nur Fatonatur Rohma; Oscar Agyemang Opoku
Journal of Business, Social and Technology Vol. 6 No. 2 (2025): Journal of Business, Social and Technology
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/jbt.v6i2.567

Background: Effective inventory data management is crucial for the operational success of trading companies. At CV. Technology Proceed Jaya, the process of recording incoming and outgoing stock is currently carried out conventionally using manual bookkeeping. The play problems that arise are frequent stock data discrepancies (data redundancy), slow information retrieval processes, and the risk of losing physical archives. Objective: This study aims to design and build a Web-Based Inventory Information System to address these issues. The system development method used is Waterfall, which includes requirements analysis, system design, code implementation, and testing phases Methods: The system is built using the PHP programming language with the Laravel 10 Framework and MySQL database. System functionality testing was conducted using the Black Box Testing method. Results: The results show that the developed system successfully digitized the warehouse business processes, facilitated admins in monitoring stock movements in real-time, and generated accurate reports. Based on the test results, all system features are declared valid and feasible for use. Conclusion: In conclusion, the implementation of this system significantly reduces operational errors by 85%, accelerates reporting processes from 3 days to real-time, and enhances decision-making capabilities through data-driven insights. The study demonstrates that web-based inventory systems can effectively address manual record-keeping challenges in small and medium enterprises. Practical implications include improved warehouse efficiency, reduced stock discrepancies, and better resource allocation. This research contributes to the body of knowledge on digital transformation in inventory management, particularly for SMEs in developing countries.

Title

Found 7 Documents
Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title Search

Found 7 Documents Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title

Found 7 Documents
Search