This research study provides a view of the relationship between organizational leaders and relationship executives of financial institutions and their exchange partners. It does so by analyzing data on the networking efforts of 20 executive directors in qualitative interviews and 124 relationship executives in research questionnaires. Network marketing within the financial services sector is becoming increasingly important. We proposed a model that seeks to offer an explanation of Executive network marketing in financial institutions in LDCs where the market system is underdeveloped. The proposed model identified four categories being: firm characteristics, Executives’ personal contact groups, Executives’ business contact groups and issues of commitment and trust in exchange relationships. Multiple factor analysis established the regression model as significant in establishing a formal relationship between the dependent variable (network marketing) and the independent variables (firm characteristics, business contact, personal contact and commitment and trust). It was confirmed that there are differences in Executives’ level of network marketing among the different age groups. Also there were significant differences in the network marketing of the Executives with regard to their level of education. It was observed that there were significant differences in the network marketing of the Executives with respect of their fields of study. Finally it was observed that owner managers were more involved in network marketing than the professional managers and those in partnerships. Not only did the study confirm the research model, but it also revealed that, to a considerable extent, network marketing is practiced by the Executives in the financial services sector in Ghana. The study concluded that business contact networks are the most effective of the Executives’ network marketing in financial services sector in Ghana. It is therefore important that state policies are directed towards enhancing the business environment within the financial services sector. Government should desist from being a regulator and a player in the same market.

This thesis sheds light on differences in health insurance enrolment determinants and uptake barriers between urban and rural areas in the Jirapa district of Ghana. The National Health Insurance Scheme in Ghana has made significant progress in terms of enrolment, which has had a commensurate increase in utilization of health care services. However, there are challenges that pose a threat to the scheme’s transition to universal coverage; enrolment in the scheme has not progressed according to plan, and there are many barriers known to impede uptake of health care. Interestingly, these barriers vary in relation to locality, and rural residents appear to carry a disproportionate portion of the burden. A mixed method approach was employed to collect and analyse the data. On the basis of the primary qualitative and quantitative results, the thesis argues that the costs of enrolling and accessing health care is disproportionately higher for rural residents than it is their urban counterparts. It also highlights that the distribution of service benefits both in terms of the NHIS and health care in the Jirapa district favours urban residents. Lastly, the thesis found that whereas rural residents prefer health care provision to be social in nature, urban residents were more interested in the technical quality aspects of care. These findings suggest that rural residents are not benefitting from, or may not be accessing health services to the extent as their urban counterparts. Affordability, long distance to health facilities, availability and acceptability barriers were found to influence the resultant pro-urban distribution of the overall health care benefit. / Ghana Education Trust Fund (GETFund)

Due to widespread bank scandals and failures around the world, there has been renewed interest in the effect of corporate governance on bank performance. The majority of research concerning corporate governance and its effect on bank performance has been undertaken in developed countries and markets, particularly the USA and European Union but relatively little evidence is provided in Sub Saharan Africa, specifically, Ghana. This study investigates the effects of corporate governance on financial performance of Ghanaian universal banking companies during the period 2006- 2014. This study primarily employs relevant governance theories to investigate the relationship between corporate governance and bank performance. Multiple regression panel data analysis and other appropriate methods are the main tools of analysis in this study. The empirical investigation revealed a mixed set of results. The findings showed that board size, board composition, bank size and foreign ownership are positively but insignificantly related to profitability in terms of return on asset and return on equity, while board committees have a positive and statistically significant impact on financial performance which is consistent with the monitoring hypothesis of agency theory which argues that board committees are an important mechanism of corporate governance in Ghana which impact on bank performance. This study contributes to the increasing number of research studies on the link between bank performance and corporate governance. The lacked of clarity, mixed and permanent relationships provided, show that the association the association between bank performance and different corporate governance mechanisms is complex and dynamic optimal governance arrangements may differ from bank to bank in relation to governance characteristics.

The new philanthropy is increasingly seen as a panacea and an alternative source of global development finance for rural development, especially in developing countries. The theoretical underpinning of the new philanthropy entails the idea that the private sector, led by philanthropists and civil society organisations in social policy issues can lead to more effective outcomes through partnership. The existing literature on the new philanthropy mainly focuses on its economic or commercial impact. This is particularly the case in the rural parts of Ghana; there has been very little research on the new philanthropy’s impact on the livelihoods of the poorest segments of society. Therefore, this research investigates the impact of new philanthropy on the livelihoods of smallholder farmers in Northern Ghana in order to fill the gap. The study employed ethnographic research, utilising qualitative techniques involving 20 stakeholders in philanthropy and livelihood affairs and 100 smallholder farmers. The research findings suggest that there is a significant relationship between philanthropic sponsored interventions in Ghana and an increase in smallholder farmers’ yields. The few farmers who purchased improved seeds and other agricultural inputs registered significant increases. However, this study identified some bottlenecks inhibiting access to agricultural inputs by smallholder farmers. Majority of smallholder farmers revealed that they could not afford them (seeds, chemical fertilizer and other inputs) despite the subsidies. Furthermore, rainfall variability gives rise to fluctuating food production from one season to another; meanwhile, there is a lack of strategy from philanthropic practitioners to address the variability in rainfall. Through philanthropy, other methods of faming such as irrigation farming agroecology, and permaculture could be exploited to the benefits of smallholder farmers. The outcomes of this study have policy implications for philanthropic practitioners. This study shows that the failure to involve farmers directly in decisions that affect their livelihoods is a major cause of livelihood interventionist programme failures in Ghana. Thus, this study argues that understanding the socioeconomic dynamics in the Northern Region and amongst the farmers should be an important part of policy formulation for philanthropic involvements seeking to improve livelihood of smallholder farmers. Lastly, the study called for a separate policy framework for philanthropy that would have a key objective of mobilising private philanthropic resources to support steady economic growth and sustainable development, dealing directly with recipients. / Government of Ghana.

This thesis draws on a political economy of fertility framework and the concept of biocitizenship to analyze changing family size and family planning among women and men in northern Ghana. I draw on a variety of ethnographic sources from eight months of fieldwork conducted under the umbrella of the Navrongo Health Research Centre in 2013 and 2014 in two rural communities in Kassena-Nanakana (K-N) West District in the Upper East region. The primary questions behind this thesis are: 1. How has the desire for smaller families emerged and to what is this transformation linked? 2. What role have family planning programs played in the reduction in family size? Have they been the most important driver of the transition to smaller families? 3. What are the current ideas about family planning and contraceptives in K-N West? Are they gendered? How have they changed over time? 4. Are local views about family planning and contraceptives in K-N West in keeping with those of public health practitioners? These questions are addressed in this sandwich thesis in three papers, which have been submitted or accepted for publication. A major contribution of this thesis is its call for health programmes to pay greater attention to the social context of both women’s and men’s lives where family planning takes place. Contrary to existing public health studies, I argue that while health programming has affected fertility decline, larger social and economic shifts have been some of the most important drivers of women’s and men’s changing practices of family formation and views of contraceptives. In Kassena-Nakana West, the desire for smaller families is linked to processes such as decreasing levels of child mortality and agricultural productivity, as well as parents’ increasing focus on educating their children. In addition, the emerging concepts of responsible manhood and companionate marriage, combined with the decline of polygamy, have helped improve communication between husbands and wives about family planning. Narratives of changing family formation from Kassena-Nankana West expand understandings of biocitizenship by illustrating the important role intergenerational relationships play in the construction of “political economies of hope”. When young people adopt family planning, they not only consider the well-being of their own children and the larger community, but make the decision in the context of their aspirations for a more successful life than their parents experienced. Due to larger political-economic shifts, the majority of Kassena women and men today think family planning is beneficial; however, worries about the side effects of contraceptives remain. Women’s ongoing concerns about infertility and the stability of their marriages and men’s conditional acceptance of family planning also reveal that gender inequality persists. I argue that typical policy recommendations, which focus primarily on educating and sensitizing communities to increase the use of contraceptives are problematic in that they often focus on decreasing fertility and are not articulated within a broader, multi-sectoral agenda. Greater attention to local biologies and expanding reproductive rights and freedoms would improve existing family planning programs. / Dissertation / Doctor of Philosophy (PhD)

This study embarks on a survey of students’ attitudes towards Kiswahili studies at the University of Ghana. Although Swahili is said to be one of the world’s globalized languages in terms of its status as an academic discipline, as an African language, it is studied in relatively few non-East African countries. The University of Ghana is one of the few African universities, which has had Kiswahili as a course of study for over fifty years. Over this period, each year a number of students graduate with combined majors in Kiswahili and other courses. Against a background of perceived negative attitudes towards the study of Kiswahili at the University, the main objective of the study was to investigate the attitudes of students of Kiswahili at various levels (second to final year) towards Kiswahili studies, with the aim of uncovering (1) the key factors that determine these attitudes, (2) changes in their attitudes and perceptions if any, and factors that necessitated the change of attitudes from negative to positive and (3) the overall impression of these students about the study of Kiswahili at the University of Ghana and its importance to their future careers. The survey was conducted by administering a 32-item instrument with a target number of 100 students. The result of the quantitative and qualitative analyses of the data showed that most students had negative attitudes towards the course prior to their enrolment due to a lack of knowledge about it. However, subsequent to enrolment and studying for some time, these attitudes changed to positive.

This thesis explores how the post-colonial structures in Ghana and Angola are affecting the mentality of the youth members in the political parties of NPP Youth Wing and JMPLA. The purpose is to discover whether the Political Youth Parties are able to provide ideas that challenge the current western influence in their politics. Angola and Ghana are the selected countries because despite their grand historical and cultural differences, the results are contributing to the claim that both are sharing the same struggle, coloniality. This research has been conducted with discourse analysis in official documents and semi-structured interviews with respective political youth parties. The theory used to analyse the content is social constructivism which has enabled this study to identify the mentality of the youths with its concept of social construction of reality. With regards to the result of the data, the youths provide possible solutions for reducing western influence but neglect the fact that those ideas are directed to neo-colonial structures, therefore this thesis concludes that the mentality of the youths remain colonised as its ancestors.

During the late 1970s Ghana was described as a collapsed and failed state. In contrast, today it is hailed internationally as beacon of democracy and stability in West Africa. In light of Ghana’s drastic image change from a fragile and even collapsed polity to a resilient state, this thesis contributes to the statebuilding debate by analysing the social change that occurred. Grounded in a critical theory approach the thesis applies a political settlement analysis to explore how power is distributed and changed over time between contending social groups; exploring the extent to which this is embedded in formal and informal institutional arrangements. Ghana’s 2012 elections serve as an empirical basis and lens to observe the country’s current settlement. This approach enables a fine grained within-case comparison with Ghana’s collapsed post-independent settlement. The analysis illustrates that while there has been no transformation of the Ghanaian state, however, continuous incremental structural change has occurred within it, as demonstrated by a structurally altered constellation of power. While internationally propagated (neo-)liberal economic and political reforms had a vital impact on the reconstruction process of state-society relations, Ghana’s labelling as “success story” evokes the distorted idea of a resilient liberal state. The sustainability of Ghana’s current settlement characterised by electoral competitive clientelism depends on a continued inflow of foreign capital. So far the mutually beneficial interest of portraying Ghana as a resilient state by its elites and donors ensures the flow of needed financial assistance to preserve the settlement. / Economic and Social Research Council (ESRC); European Commission Marie Curie Pre-doctoral Fellowship programme

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