2022-02-16T19:49:37Z EPrints https://repository.www.guaguababy.com/images/sitelogo.png https://repository.www.guaguababy.com/ 2021-11-26T15:54:07Z 2021-12-06T10:03:36Z https://repository.www.guaguababy.com/id/eprint/1844 This item is in the repository with the URL: https://repository.www.guaguababy.com/id/eprint/1844 2021-11-26T15:54:07Z

Digital literacy is the ability to analyse, evaluate and create a teaching and learning media which enables adults and youth to understand complex communication, Aufderheide (1993). Therefore, this research study has examined how digital knowledge could provide an opportunity to learn financial capability. Fintech has transformed the history of the financial sectors and places an individual at significant advantages. However, Bankers, Teachers, Information Technology (IT) professionals and university students were selected for the research study from Bangladesh and England. Interviews were conducted with management level professionals. Survey and test questionnaires were developed and randomly directed to other participants to measure their financial and ICT knowledge. The research findings have found that present financial decision making, and the growth of assets depends on an individual adult’s financial capability.

Afzal Munna R. Khanam 2021-10-06T15:49:27Z 2021-10-06T15:55:35Z https://repository.www.guaguababy.com/id/eprint/1804 This item is in the repository with the URL: https://repository.www.guaguababy.com/id/eprint/1804 2021-10-06T15:49:27Z

1997 - 1998年东盟金融危机期间2008, corporate governance has become an imperative issue with foreign direct investments (FDIs). This topic has been lingering within the research communities and many major investment entities across the globe. Although significant inflow of FDI continues to flow into Asia (FDISTAT, United Nations Conference on Trade and Development 2007-2018), the lack of corporate governance at the macroeconomic level in certain emerging countries has been depriving the inflow of FDI. Developing ASEAN countries continue to fall behind their counterparts in receiving inwards of FDI compared with Singapore, Malaysia, and Thailand. According to UNCTAD’s World Investment Report 2020, the total global FDI flows was valued at US$1.54 trillion in 2019, and foreign institutional investors are risk-averse, especially when dealing with countries with weak corporate governance. Developing stringent regulatory policies on governance in the ASEAN nations can impact these economies at the macroeconomic level. The surplus FDIs often lead to better economic and fiscal policy for emerging nations in the ASEAN. This research is descriptive exploratory and follows the primary qualitative and secondary sources as quantitative analysis to learn the determinants between corporate governance (CG) and FDI in ASEAN. This research methodology is likewise termed Embedded Mixed Methods design, as interviewing, sharing the respondents' experience, perception, or phenomena of governance can only be qualitative. Secondary data sources on the governances' six indicators fall on Voice and Accountability, Political Stability and Absence of Violence, Regulatory Quality, Rule of Law, Control of Corruption and Government Effectiveness. These indicators are used as independent variables for quantitative analysis to investigate corporate governance and dependent variable FDI at the microeconomic level within the sample countries. The qualitative analysis from the respondents suggested that corporate-level (C-level) management and board members must actively involve in the corporate practices consisting of learning, training, and management to drive effective CG. The quantitative results have also shown a significant positive and negative relationship between governance indicators and foreign direct investment. Pearson Product Moment Correlation was statistically applied to illustrate these variables' strength, direction, and probability with FDI.

Roy Kok Meng Yap 2021-08-27T13:27:28Z 2021-09-02T15:09:36Z https://repository.www.guaguababy.com/id/eprint/1769 This item is in the repository with the URL: https://repository.www.guaguababy.com/id/eprint/1769 2021-08-27T13:27:28Z

加纳银行业经历了几l changes in the past decade because of the effects of the global financial crisis in 2008 resulting in the collapse of some banks in Ghana. The Bank of Ghana introduced many measures to make the banking industry in Ghana robust. All banks were expected to introduce change strategies in line with the directives of Bank of Ghana. These changes had great impact on employees due to lack of understanding of the change. Conducting business in an ever-changing environment demands that all stakeholders especially employees understand change and change management processes and practices to make it effective. This is because employees were required to tweak their thinking and practices to respond to the changing needs and expectations demanded of them by management and the central bank. The collapse of some of the banks in the process of change was attributed to among other factors, poor employee engagement, poor communication, and poor employee commitment change. The role of management during change was also sighted to be unsatisfactory. In view of the above, this case study sought to explore and analyse the understanding of employees of the banking industry in Ghana regarding change and change management processes and practices. Only Ecobank Ghana Limited out of the 27 banks in Ghana was selected as case for this research. This is because some of the banks were established within the last 5 years and did not have enough change experiences. Other banks gave the presence of COVID-19 as a reason not to participate in this study. That notwithstanding, Ecobank Ghana Limited was representative of the Ghana banking industry because of its wide geographical spread across the country and its long-standing operations since 1990. The bank also satisfied all Bank of Ghana requirements. The qualitative method was adopted for the study. This was meant to allow the researcher the opportunity to explore the experiences of employees in respect of finding answers to the research questions of the study. It also allowed the researcher to probe deeper into employee perspectives on the subject matter. It was also cost effective and easy to use. Data was gathered through in-depth telephone interviews with the use of a semi-structured interview guide. This was appropriate due to the cancellation of flights as a result of Covid 19. As part of the data collecting process, participants were required to answer questions relating to their understanding of change and their experiences of change relative to employee engagement, communication, employee commitment to change, role of managers and resistance to change. In all, 39 employees of Ecobank Ghana Limited, cutting across all levels and different departments were interviewed. Data were analyzed using thematic analysis with 5 themes guided by the research questions. The case study found out that there was no consensus on the understanding of employees on change and change management which had a potential of adversely affecting the effective implementation of any change project. The study also found out that the general feelings of employees with the introduction of change were negative and mostly expressed as fear, uneasiness, doubtfulness and uncertainty. Majority of employees did not feel engaged in the change process with the explanation that their views did not matter to management. Additionally, majority of employees were not satisfied with how change was communicated to them indicating that, in most cases they got information from the grapevine. In spite of the above findings, the majority of employees did not resist change because they did not see the need to resist change, and also for the fear of victimization and loss of their jobs and position. Additionally, appreciating the dynamics between the reality of organisational change and employees Ecobank Ghana Limited is vital to management, policy makers and the industry regulator. Furthermore, whilst there is considerable literature on change and change management, not much has been made to tackle and resolve the fears, concerns and expectations of these changes upon employees of the bank and this has dangerous implication for the success of future change. Moreover, little evidence exists in the literature of the positive or negative aspects of change and change management from the viewpoint of employees and as stakeholders at the receiving end, the success or otherwise of change and change management rely on how employees accept and buy into the change initiative. The study recommends a strategic change framework for Ecobank Ghana Limited in particular, and the Ghanaian banking industry in general that will potentially guide the effective initiation, implementation and evaluation of change management within the industry.

John Barnett Quaicoo 2021-06-22T10:36:39Z 2021-06-22T10:47:31Z https://repository.www.guaguababy.com/id/eprint/1711 This item is in the repository with the URL: https://repository.www.guaguababy.com/id/eprint/1711 2021-06-22T10:36:39Z

This research was conducted based on the main research question, “How can an effective regulatory compliance monitoring framework minimise bank failures in Ghana?” The main aim of the research was to meet the objectives of examining the existing Regulatory Framework for banks in Ghana, identifying the monitoring framework of the Central Bank (Bank of Ghana), identifying the soundness of banks before the failure, examining the causes of the recent bank failures in Ghana and making recommendations for an effective regulatory compliance monitoring framework which could minimise such bank failures in Ghana. The researcher adopted a mixed method of data collection and analysis. A total of ninetyseven respondents were involved in the study. Questionnaires and semi-structured interviews were employed for the collection of primary data. The secondary sources of data included academic journals, official documents from international organisations such as the World Bank and the International Monetary Fund, documents from the Central Bank (Bank of Ghana), and annual reports of some selected banks in Ghana. From the data collection and analysis, the researcher identified that Bank of Ghana (the Central Bank of Ghana) is the regulator of the Ghana Banking Sector as mandated by the Bank of Ghana Act 930, 2016 to maintain a sound banking system. The findings and analyses showed that the causes of the recent bank failures in Ghana were capital inadequacy, illiquidity, high rate of non-performing loans, bad corporate governance practices and ineffective monitoring by the regulator. It was also identified that except forRegulatory Monitoring lapses, all the other causes of the bank failures cited by the respondents were indicators monitored by the regulator. It could, therefore, be concluded that the responsibility of Regulatory Compliance Monitoring, if effectively executed by the regulator, could minimise bank failures in Ghana. The methods of analyses were Content Analysis, Survey Analysis, The Delphi Technique, CAMELS Analysis and Regression Analysis.The researcher then recommended a more robust regulatory compliance monitoring framework to help improve the effectiveness of monitoring regulatory compliance in the banking sector in Ghana.

Patricia Barnett-Quaicoo 2021-03-17T10:42:18Z 2021-03-17T11:04:27Z https://repository.www.guaguababy.com/id/eprint/1620 This item is in the repository with the URL: https://repository.www.guaguababy.com/id/eprint/1620 2021-03-17T10:42:18Z

本土的干预和贡献NGOs in various sectors (Education, Health, Entrepreneurship/Business, Economy, Justice, and others) in Africa are visible for all to see. Over the years, International NGOs have partnered with Indigenous NGOs to bring succour to the downtrodden, empower youths with entrepreneurial skills, build the capacity of young people, promote peace, provide relief materials and boost the economic fortunes of people in rural communities, specifically in the Niger-Delta and across cities in Nigeria. The Non-Profit Sector in Nigeria is unique because of the daunting challenges Indigenous NGOs go through to execute their entrepreneurial support programmes and projects. The incessant kidnappings, vandalization, pollution and youth restiveness in the NigerDelta region were the main necessitating factors that gave birth to this research. The motivation behind this study is to exploratorily study how indigenous NGOs can use their entrepreneurial programmes and projects to engage the youths and support young entrepreneurs in Nigeria’s Niger-Delta region. This research was undertaken to critically review areas of intervention of indigenous NGOs supporting start-up businesses established by young entrepreneurs, highlight the challenges they faced and the outcomes of their entrepreneurial interventions in communities across the Niger-Delta. Semi-structured interviews were conducted, and participants were drawn from seven (7) Indigenous NGOs (NGO-L, NGO-F, NGO-AL, NGO-D, NGO-AO, NGO-U and NGO-M) supporting young entrepreneurs. A Thematic Analytical Approach was used to analyse data collected with Nvivo software supporting the analysis of data. The theoretical framework that underpinned this research was anchored on the Stakeholders theory and the Evolutionary Theory of Business Growth. From reviewed literatures and findings of this research, it was discovered that indigenous NGOs supports young entrepreneurs through mentorship, provision of consultancy and branding services, awareness creation, marketing platforms and I.T facilities. Young entrepreneurs mostly cannot afford the services mentioned above. The selection criteria indigenous NGOs used to pick beneficiaries of their entrepreneurial programmes and challenges faced by indigenous NGOs and young entrepreneurs (i.e. Gap between knowledge and Application of knowledge, shortage of trainers and inability to pay them, Difficulty accessing coastal communities, resistance from youths in communities, corruption, slow assimilation pace, lack of market and Unstable Government Policies) were exploratorily discussed in this study. The researcher develops an App called the‘Youngo App’ to help Young Entrepreneurs and Indigenous NGOs tackle some challenges they faced daily. The findings of this study emphasised greatly on the need for collaboration and synergy between stakeholders in the Non-Profit Sector since Indigenous NGOs are commonly referred to as the hope of the masses in Africa, and they play a critical role in making life better for the masses. The need for indigenous NGOs and community engagements is pivotal to the successful execution of entrepreneurial interventions in the Niger Delta. Responses from participants of this study revealed that the activities and operations of indigenous and International NGOs must be regulated and monitored to align with international best practices.

Mackson Sheyi Ejejigbe 2020-12-01T11:29:31Z 2020-12-11T14:01:16Z https://repository.www.guaguababy.com/id/eprint/1526 This item is in the repository with the URL: https://repository.www.guaguababy.com/id/eprint/1526 2020-12-01T11:29:31Z

有一个历史悠久的公司丑闻failure in accounting performance around the globe as a result of weak government mechanisms overseeing companies due to the absence of clear government laws and legislation governing the relationship between shareholders (owners, investors) and executive managers (internal management) in a firm. Weak government mechanisms reinforce the greed of the dominant and influential groups within the various companies. This weakens the accounting and financial performance of a firm and leads to it being unable to generate sufficient profits to satisfy its shareholders, as well as being unable to attract new investors or encourage them to invest within the firm. As a result, various researchers are investigating the impact of corporate governance (CG) mechanisms on firm performance. The majority of the research regarding corporate governance and its impact on firm performance has been conducted in developed countries, especially in the US and UK. Relatively less evidence is available in the Middle East, particularly in Jordan. Thus, the aim of the current study is to investigate the impact of various corporate governance mechanisms on firm performance for Jordanian non-financial companies listed on the Amman Stock Exchange during the period 2012 – 2018. Different hypotheses have been generated through agency theory to explore the relationship between the corporate governance mechanisms and the accounting performance of Jordanian nonfinancial companies. Agency theory is employed because it explains the agency problems between the corporate manages and shareholders, which have a negative impact on the value maximisation objective. It has been claimed that various features of the board of directors’ act as effective corporate governance mechanisms for solving the agency problem between corporate managers and shareholders. This study uses multiple regression panel data analysis to analyse the data. A fixed effect model is used to investigate the impact of corporate governance mechanisms on firm performance. Secondary data is collected xi for 95 Jordanian non-financial companies listed on the Amman Stock Exchange. The data is collected from three different sources: the Amman Stock Exchange website, the annual reports of the selected companies and from the DataStream database. A mixed set of results is observed from the empirical investigation. The findings of the study reveal a significant negative impact of board size on firm performance, which indicates that large board size tends to be inefficient due to poor coordination and communication. The findings of the study also reveal that non-executive directors (NEDs) have a significant negative impact on firm performance. The findings are not in line with the hypothesis generated from agency theory, which states that NEDs play a vital role on the board by monitoring the firm’s performance and providing valuable suggestions to the executive directors, as they are experts in their field and have years of experience. However, CEO duality has a significant positive impact on firm performance, which reveals that Jordanian firms perform better if the roles of CEO and Chairman are performed by one individual. These findings are also inconsistent with the Jordanian CG code, which emphasises the separate of the role CEO and Chairman for implementing the strict check and improve the balance of the board of directors. The findings indicate that three board committees (audit, remuneration and nomination) have a significant positive impact on the firm performance. These findings are consistent with the empirical results and Jordanian CG code because establishment of board committees tends to streamline various business operations, which has a positive impact on firm performance. A corporate governance (CG) index has been generated based on the Jordanian corporate governance code requirements. Compliance with the corporate governance index has been checked for the Jordanian nonfinancial firms. The findings indicate that the corporate governance index also has a positive and significant impact on firm performance. xii The findings of the current study will help the Jordanian regulators to amend the current Jordanian corporate governance code because the impact of different CG mechanisms on the firm performance has been checked through real data and statistical tests. Further, the findings can assist the Jordanian corporate boards and managers to improve their companies’ corporate governance system by implementing the significant CG mechanisms that are explored by this study.

Ammar Z. Rammadan 2019-09-05T13:33:36Z 2019-09-05T13:33:36Z https://repository.www.guaguababy.com/id/eprint/1048 This item is in the repository with the URL: https://repository.www.guaguababy.com/id/eprint/1048 2019-09-05T13:33:36Z Hussin Bin Salamon 2019-08-12T10:59:31Z 2019-08-12T10:59:31Z https://repository.www.guaguababy.com/id/eprint/1073 This item is in the repository with the URL: https://repository.www.guaguababy.com/id/eprint/1073 2019-08-12T10:59:31Z

This research deals with the concept of bankruptcy (a]-iflias) under Islamic law in detail with special reference to Sunni schools of law (a1-madhahib)- To do this, the Qur'an, Hadith, their commentaries and classical manuals of Sunni schools are consulted. It also deals with English and Malaysian Personal Bankruptcy Laws as a comparison with Islamic law. Thus, this research excludes any discussion pertaining to partnership and company law unless they are relevant to the interpretation of Personal Bankruptcy Law. This research is divided into six chapters. Chapter One deals with the concept of bankruptcy petition and the jurisdictions of the court upon hearing the petition. Chapter Two deals with the legal consequences of the bankruptcy order. Chapter Three deals with the concept of repossession and the application of right of repossession. Chapter Four deals with the concept of realisation of the bankrupt's estate and the matters relating to it. Chapter Five deals with the concept of distribution. Chapter Six deals with the concept of discharge, it legal consequences and annulment of bankruptcy order. It has been established in this research that Islamic law provides a systemisation of bankruptcy law. Moreover, this research shows that there are similarities and differences between Islamic Bankruptcy Law, English and Malaysian Personal Bankruptcy Laws. It is hoped that, through comparison of these legal C) systems, a clearer understanding on Islamic Law of Bankruptcy is achieved.

Ahmad Azam Othman 2017-12-04T12:55:22Z 2017-12-04T12:55:22Z https://repository.www.guaguababy.com/id/eprint/810 This item is in the repository with the URL: https://repository.www.guaguababy.com/id/eprint/810 2017-12-04T12:55:22Z

identifyi越来越被认可ng and evaluating customer’s banking behaviour has a strong effect on marketing success. However, there is a paucity of literature and empirical research on bank selection criteria in Bangladesh. Research data can potentially improve a bank’s performance. This research aims to contribute to the academic body of knowledge and better understand the managerial implications of customers’ bank selection criteria in Bangladesh. In order to fulfil this objective, this research developed a theoretical framework of bank selection criteria which has been tested on retail customers by integrating both the existing and potential customers. The theoretical framework is based on constructs documented in the consumer behaviour, service quality and services marketing literature. The results of this study suggest that retail customers’ bank selection could be better explained by the proposed theoretical framework. Bank selection is in fact a multidimensional construct as the selection of a bank is often related to purchasing a particular banking product or service which has a significant effect on the different dimensions of bank selection a customer may have. Banks need to integrate many criteria in their marketing strategies in order to be considered the optimal provider of financial goods and services. In general, banks would benefit from adopting two different marketing strategies in terms of segmenting, targeting and positioning: one for attracting potential customers and then a different strategy for retaining existing customers, as this research has identified significant differences between potential and existing customers’ bank selection processes

Mihir Kumar Das 2016-08-10T15:15:08Z 2017-02-21T15:07:03Z https://repository.www.guaguababy.com/id/eprint/649 This item is in the repository with the URL: https://repository.www.guaguababy.com/id/eprint/649 2016-08-10T15:15:08Z

In the light of the global financial crisis of 2007 which is considered to be the worst since the Great Depression of the 1930s, it is evident that no bank is too big to fail. There have been a number of corporate failures in recent years, including instances in the United Kingdom. These events, therefore, motivated this study in terms of emphasising the need to apply financial distress prediction models to examine the performance of UK banks. This work aims at empirically examining and analysing the performance of UK retail banks amid the financial crisis, covering three periods: before, during and afterwards. In doing so, the accuracy of Altman‘s financial ratios of early warning statistical distress prediction models was examined. Both primary and secondary data were employed to find answers to the research questions. The first result indicated that Altman‘s ratios: leverage, solvency and turnover ratios significantly discriminated the three crisis periods. Yet, Altman‘s model had high misclassification error rate and less predictive power during the crisis than before and afterwards. With regards to the performance of banks, the result revealed that banks performed better in terms of profitability, liquidity and activity ratios for pre and post crisis than during the crisis. Additionally, researchers have become increasingly interested in linking marketing variables such as satisfaction, trust and loyalty to financial performance. While profitability ratio is commonly confirmed to be a significant predictor of performance, loyalty constructs are not generally assessed in this manner in the profit link framework. This implied that loyalty has not been shown to have a direct impact on financial performance. Hence, since both loyalty and profitability play vital roles to determine the success of banks, they should be fully considered before performance is established. In this thesis, an extension of past profit link research to include nonfinancial variables was considered. This research examined the link between satisfaction, trust and loyalty, and overall financial performance. The overall empirical findings provided evidence of a positive relationship of loyalty and levels of relative profitability. Nevertheless, satisfaction and trust were not statistically related to profitability in the UK retail banking sector.

Leonard Ndifor Ngwa