Statistics for First and foremost, I thank God the Almighty for given me strength, wisdom and opportunity to complete this thesis successfully. This thesis could not have been done without the support and encouragement from many people. I am very indebted to my supervisor, Mr. Charles Sebel, for his excellent guid- ance,direction, invaluable feedback, his constructive suggestions, detailed correc- tions, support and encouragement: played enormous role resulted in this success- ful project. I would like to extend my wormiest gratitude to all the academic and administra- tive sta of the department of mathematics of KNUST.Especially to the lecturers or tutors' who took us through the latex tutorial seminar. I also own thanks and appreciate to the entire Fiele's family for their encouragement and support. I thank the Manager and sta of Ghana Commercial Bank, Obuasi for allowing the collection of data for the onward study. Finally, this e ort would not be possible without my sister and brothers; their e orts and sacri ces have been of great helped towards the completion of this thesis. More so, I am immensely indebted to James for always picking my calls when I needed him for direction and correction in the use of the latex document.