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An Evaluation Of Health Finance And Its Impact On Quality Health Delivery In Hospitals In The Techiman Municipality In Bono East Region
(knust, 2021-02) Isaac Asuako- Djang
The Study Looks At Health Funding Systems In Ghana And Their Impact On Quality Health Provision In The Municipality Of Techiman. It Evaluated The Various Systems Of Health Funding And Their Impact On The Delivery Of Quality Health Services In The Municipality. Quality Health Delivery Is Evaluated Using The Donabedian Model Which Categorised Quality Into Structure, Process And Outcome. The Study Included Management, Employees And Patients Within Hospitals In The Techiman Municipality. Specifically, Employees Within These Hospitals Were Considered For The Study. In All, 61management Staff And 88 Employees Were Selected For The Study. A Total Of 232(Employees And Management) Were Involved In The Study. The Study Used Primary Source Of Data With Questionnaires Used As A Data Collection Instrument. Both Descriptive And Inferential Analysis Were Adopted In The Study. The Results Indicated That Risk Pooling And Health Service Purchasing Were Highly Effective Among The Health Institutions In The Municipality. However, Revenue Raising Was Found To Be Ineffective. Patients Positively Perceive That It Is Better For One’s Health To Be Financed Through Social Insurance Schemes; That They Could Not Have Afforded Hospital Services Without NHIS And That The Amount They Pay In Hospitals Is Worth The Services They Receive. However, There Was The Assertion That Patients Who Directly Pay For Health Care Services Receive Better Quality Health. The Results Also Indicated A Positive Correlation Between Quality Health Delivery And Revenue Raising, Fund Pooling As Well As Health Service Purchasing. Revenue Raising Health Service Purchasing And Fund Pooling Predict 79% Increment Of Quality Health Delivery In The Selected Health Facilities. The Creation Of Social Insurance Systems Should Therefore Be Stimulated By Bringing Together Large Out-Of-Pocket Spending On Private Care And By Extending The Income Collected To Low-Income Groups.
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The effect of credit risk management on loan portfolio of Akim Bosome Rural Bank Limited.
(KNUST, 2016-07) TEITEY, AMOS
Providing of credit facilities is one of the core businesses of Rural Banks and Akim Bosome Rural Bank Limited is no exception. The credit management function aids the efficient management and administration of rural bank loan portfolio in order to ensure reasonable distribution of funds and to encourage liquidity planning. A number of researchers have tried to answer the benefits of credit management; however it has remained uncertain for rural banks management on the effects of credit risk management on the loans portfolio quality. The main purpose of the research is to find out the effect of credit risk management on loan portfolio of the Akim Bosome Rural Bank. Descriptive research design was used and purposive method of sampling was also used to select the study units. The study used both primary and secondary data; primary data was gathered through questionnaires and secondary data from Akim Bosome Rural Bank reports. Data gathered was analyzed using descriptive statistics. The outcomes indicate that Akim Bosome Rural Bank has a clear written credit risk management policy in place with the board of directors having oversight responsibility for its execution. Also in the quest of Akim Bosome Rural Bank in reducing the non-performing loans of their total loan portfolio, the bank have skewed their loan granting from the Agriculture sector which was one of the main reasons for the establishment of rural banks to salary loans and transport loans because of the risk factor. The study recommends that Akim Bosome Rural bank should work in partnership with credit reference bureau in the country to comprehensively investigate the past credit worthiness records of all loan applicants so as to reduce the high level of default. Also they should consider the establishment of loan recovery department to reduce the loan losses incurred by the bank.
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Effect of macroeconomic variables volatilities on firms profitability: Analysis of listed firms on the Ghana stock exchange
(KNUST, 2016-07) CRABBE, DAVID
The Ghana Stock Exchange had been in existence for the past two decades playing its role of bringing individuals with excess funds looking for investment opportunity and firms seeking for extra Funds to expand and grow their business together. There are more thirty five thousand firms in Ghana, but over the past two decades of the operations of the Ghana Stock Exchange it had seen less than fifty (50) firms listing on the Exchange. The study used Ordinary Least Square (OLS) to analyze the effects of Macroeconomic Variables (Exchange rates, Interest Rate, Inflation and Broad money Supply) volatility on profitability of listed firms on the Ghana Stock Exchange. In this study, profitability theories are utilized to provide the theoretical basis for the work, also the study adopted the use of Returns on Assets (ROA) to proxy profitability. The study covers fourteen (14) listed companies on the Ghana Stock Exchange over the period 1996 to 2015 (20 years). The results proved that, there is a significant relationship between Macroeconomic Variables (Exchange Rate, Interest Rate, Inflation Rate and Broad Money Supply) and the profitability (ROA) of listed firms. It was again observed that the controlled variable (Fixed Asset Turnover) used in the study had one or more significant relationship on profitability (ROA). The results, may guide government to ensure that prudent measures are put in place to ensure that the various Macroeconomic variables used in the study are kept at a reasonable level or at a stable range over a period of time.
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The role of audit report implementation committee functions in promoting effective financial management at Kumasi Metropolitan Assembly (KMA).
(KNUST, 2016-08) YAMOAH, GABRIEL FRIMPONG
The study examines the role of audit report implementation committee functions in promoting effective financial management, a case of Kumasi Metropolitan Assembly. Audit committees are seen as the bedrock of a fruitful and trustworthy financial reporting technique. To majority of people, an audit report implementation committee is the perfect example of corporate governance. To ensure credibility of statement of finance and internal control, will audit report implementation committee plays a great part. The importance to an audit report implementation committee‟s goal is its ability to depend on its own. This allows the committee to play its role very well as its independence is assured. This study examined the effectiveness of the audit report implementation committee at KMA, examined the impact of the audit committee and investigated the challenges faced by the audit report implementation committee. The study gathered data from fifty (50) sampled employees of KMA through questionnaires. The outcome of the study showed that, the audit report implementation committee assists management in protecting and safeguarding the assets of the assembly, it also helps ensure effective corporate governance, the study also showed the audit report implementation committee has enhanced the image of the assembly. The major challenge faced by the committee is leakage of confidential information to the public. Among the recommendations made were that, the independence of the audit committee should be encouraged in institutions. This would improve the decision making process of the companies if board members are allowed to do their work independently.
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Bank financing and growth of SMEs in the Kumasi metropolis: A case study of Prudential Bank Ltd.
(KNUST, 2016-08) JAWARATU, MUNIRU
The study examined the role of Prudential Bank Limited in financing small and medium enterprises in the Kumasi Metropolis of the Ashanti Region. Among the issues studied include identifying the specific products and services offered by Prudential Bank to SMEs in the Kumasi Metropolis, assessing the contribution of Prudential Bank‘s products and services on the development of SMEs and assessing the challenges faced by Prudential Bank and SMEs in financing. The study was based on the use of questionnaires and interviews. Primary and secondary data were used in the course of the study. Purposive and simple random sampling techniques were used. Fifty (50) SME operators were used with one staff member from Prudential Bank Ghana Limited. The results from this study indicated that Prudential Bank Ghana Limited has lots of products and services for SMEs, these include prudential enterprise account, prudential business accounts, savings account among others. These products have impacted on SMEs by increasing revenue for SMEs. Among the challenges faced by SMEs are interest rates on facilities and difficulty in accessing facilities. Prudential Bank on the other hand is faced with loan recovery challenges and high default rates. The researcher offered useful suggestions and recommendations in conclusion to address these challenges.
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Using multiple linear regression to predict banks performance in the Ghanaian economy.
(KNUST, 2016-07) ASANTE – KORANTENG, JONES
Globalization and technological advancement has created a highly competitive market in the banking and finance industry. The level of offshore banking in both developing and developed countries today is evidence to this fact. Since the financial wheel is critical in any development paradigm, the role of banks is even more critical. Therefore the survival and performance of banks is of much interest not only to policy makers and shareholders, but it is also of interest to researchers too. Performance of the industry depends heavily on the accuracy of the decisions made at managerial level. This study uses multiple linear regression technique in predicting the performance of banks in Ghana. The study then evaluates the performance of the techniques with a goal to find a powerful tool in predicting bank performance. Data of three banks for the period 19912015 was used in the study. Return on Asset (ROA) was used as a measure of bank performance, and hence is a dependent variable for the multiple linear regression. Eight variables including LNTA, NII/TA (Log-interest income divided by total assets), NIE/TA (total overhead expenses divided by total assets),LLP/TL (loan loss provisions to total loans),EQUASS (Shareholders’ equity as a fraction of total assets) and External determinants: LNGDP (natural log of GDP), MSG (money supply growth rate), and INFL (inflation rate) were used as independent variables. Results from the study reveal that the performance of the Banks has been highly volatile with the banks recoding negative profits during some periods within the two decades under study. The study also revealed that non-interest income, non-interest expense, bank's capital strength, natural log of total assets, growth of money supply, and annual rate of inflation are significant key drivers of banks‘ profitability in Ghana. However, the size of the Ghanaian economy and loan loss provision or provisions for bad debt did not have any significant impact on the banks profitability.
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Factors influencing financial performance of teachers fund (2011 – 2015) .
(KNUST, 2016-09) OPPONG, GODFRED
The study investigated the factors affecting the performance of Teacher Fund, the effect of the Fund on teachers’ livelihood and the challenges affecting the management of the Fund. Primary data from fifty (50) teachers and ten (10) staff, and secondary data from the financial statements of the Fund were used for the analysis. Trend, regression and descriptive statistical analyses were used to present the findings. The findings revealed that only members’ contribution significantly influenced the performance of the Fund. Even though the Fund provided members with loan facilities, some complained about the cumbersome procedures, delays and ceiling on the loan. Other challenges were over-diversification, poor savings and investment culture among teachers, IT systems, fluctuating returns on investment and high service charges by Controller and Accountant General’s Department. The study recommended for the computerization of loan application system, increasing loan ceiling and increasing advertising to attract new members to the Fund.