Download or read book Rural banking The case of rural and community banks in Ghana written by and published by Intl Food Policy Res Inst. This book was released on 2010 with total page 2 pages. Available in PDF, EPUB and Kindle. Book excerpt: Before the late 1970s, rural dwellers in Ghana had almost no access to institutional credit for farm and nonfarm activities, and in many rural communities, secure, safe, and convenient savings and payment facilities hardly existed. In response to this situation, the Government of Ghana took several measures to increase access to credit in rural areas, including facilitating the establishment of rural and community banks (RCBs). This brief discusses the history of RCBs, their business model, their services, and their financial performance. It then draws some lessons relevant for others involved in or planning similar initiatives.

Download or read book Rural Banking written by Ajai Nair and published by . This book was released on 2013 with total page 54 pages. Available in PDF, EPUB and Kindle. Book excerpt: This case study describes the business model of the rural and community bank (RCB) network in Ghana and analyzes its performance. The study analyzes the service delivery and financial performance of the RCBs at two levels: the network of all banks and a representative sample of 12 RCBs. It finds that although the service delivery performance of the RCB network has been very good, its financial performance has been mixed.

Download or read book Rural Banking in Ghana written by Emmanuel Asiedu-Mante and published by . This book was released on 2011 with total page 327 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Impact of Credit Facilities Given by Rural and Community Banks to Farmers A Special Reference to Ghana written by Kenneth Amoah-Binfoh and published by . This book was released on 2014 with total page 10 pages. Available in PDF, EPUB and Kindle. Book excerpt: Rural Banking in third world countries is new off-springs from the banking industries whose contributions cannot be over emphasized. This stems from the fact that they have helped in alleviating the poverty menace in third world countries such as Ghana. Most rural banks in spite of their contribution towards helping prospective Ghanaian investors in establishing their own businesses are saddled with a number of objectives, to identify the types of credit facilities, to examine the factors working against the operations of the credit facilities; to evaluate the performance of banks. A number of rural banks in Ghana have been operating outside the confinements of the laws regulating banking and financial institutions. The researcher aimed at collecting data, both primary and secondary using a number of research techniques and methods. Notable among the methods may include: structured questionnaires and structured interview. It was recommended that the research findings would be used to identify risk areas in rural banking and as well as collaterals should worth in value more than the facilities provided by obligors, more importantly the findings of the research shown that multiple borrowing have effect on the profit of rural banks. The research was used as a secondary data for further research work for other researchers. It was concluded that Ghanaians benefited from the activities of rural banks, the researcher entreats all stakeholders in the banking industry who may have a role to play in making the research work a reality, to contribute their quota to the effective writing of this paper.

Download or read book Final Report on the Socio economic Baseline Survey of Rural Banks on Behalf of Bank of Ghana written by and published by . This book was released on 1983 with total page 132 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Role of Rural and Community Banks on Small Scale Business Development the Case of the Builsa District of Ghana written by Roger Anaab and published by . This book was released on 2006 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Rural Banking and Economic Development written by Rais Ahmad and published by Mittal Publications. This book was released on 1998-01-01 with total page 300 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Corporate Social Responsibility and Financial Performance Amongst Rural and Community Banks in Ghana written by Michael Amoh Asiedu and published by . This book was released on 2020 with total page 23 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study examines the connection between corporate social responsibility and firms' financial performance through competitive advantage and access to finance as mediating variables and the role of corporate governance as a moderating variable in such relationship using rural banks as study case. A sample of 126 banks were selected and data from these banks were analysed using structural equation modeling and hierarchical regression with moderation. It was found that embarking on corporate social responsibility leads to improvement in competitive advantage and gaining access to capital. These are both related to increase in corporate financial performance. The study found that business organisations that practise CSR activities turn to gain a defensible competitive position in their industry. The practice of CSR tends to create access to finance for business strategies, resulting in positive impact on financial performance depending on the efficiency of their corporate governance practices. The study recommends that activities of CSR should be integrated into firms' corporate and business level strategies. It also recommends that rural banks and the banking industry at large should adopt proper corporate governance structures to ensure judicious use of firm resources in order to enjoy improved financial performance.

Download or read book Gender Access to Credit Under Ghana s Financial Sector Reform written by Emmanuel K. Ekumah and published by . This book was released on 2002 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Role of Regional Rural Banks in Economic Development written by Tasi Kaye and published by . This book was released on 2006 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Rural Banking in Nigeria written by Aja Okorie and published by . This book was released on 1990 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Community Banks as Catalysts for Rural Development in Nigeria written by Aniefiok Thompson and published by . This book was released on 1998 with total page 150 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Neoinstitutionalism the State and the Rural Finance in Adjusting Developing Countries written by and published by . This book was released on 1998 with total page 400 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Culturally Aligned Security in Banking written by Ephrem Kwaku Kwaa-Aidoo and published by . This book was released on 2010 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This thesis is an investigation into the unique rural banking system in Ghana and the role of information systems in fraud control. It presents a robust information security and internal control model to deal with fraud for the banking system. The rural banking industry has been noted for poor internal control leading to fraud. This has resulted in poor performance and even the collapse of some banks. The Focus of the study was on the processes used to deliver banking services. To design a protection system, a number of rural banks were visited. This was to understand the environment, regulatory regimes and the structure and banking processes of the industry and banks. Systemic vulnerabilities within the industry which could be exploited for fraud were found. The lack of structures like an address system and unreliable identification documents makes it difficult to use conventional identification processes. Also the lack of adequate controls, small staff numbers and the cross organisational nature of some transactions among other cultural issues reduces the ability to implement transaction controls. Twenty fraud scenarios were derived to illustrate the manifestation of these vulnerabilities. The rural banking integrity model was developed to deal with these observations. This protection model was developed using existing information security models and banking control mechanisms but incorporating the nature of the rural banking industry and culture of its environment. The fraud protection model was tested against the fraud scenarios and was shown to meet the needs of the rural banking industry in dealing with its systemic vulnerabilities. The proposed community-based identification scheme deals with identification weaknesses as an alternative to conventional identity verification mechanisms. The Transaction Authentication Code uses traditional adinkra symbols. Whilst other mechanisms like the Transaction Verification Code designvinternal controls into the banking processes. This deals with various process control weaknesses and avoids human discretion in complying with controls. Object based separation of duties is also introduced as a means of controlling conflicting tasks which could lead to fraud.

Download or read book Regulatory Reform Impact on Rural Banking and Credit written by James Cyprian Okuk Nyankori and published by . This book was released on 1983 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Patronage behaviour of Ghanaian bank customers written by Daniel Zac Bentum-Ennin and published by GRIN Verlag. This book was released on 2014-10-13 with total page 119 pages. Available in PDF, EPUB and Kindle. Book excerpt: Doctoral Thesis / Dissertation from the year 2012 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, University of Lincoln, language: English, abstract: The aim of this dissertation is to help bank executives to develop and deliver efficient quality services to satisfy the needs of existing customers as well as to attract large number of customers. It is hoped it will further enable the management of banks to stimulate and understand more fully customers since customers’ attitude can’t be controlled. It could contribute to discussion amongst the banking fraternity regarding issues surrounding customer preferences in banking services. As a researcher who is interested in working in a bank, significant benefits can be gained from knowing how the operations of a bank can be made more efficient and thus continue to attract and maintain customers.

Download or read book The Effect of Risk Management in the Banking Industry in Ghana written by Richard Nsiah and published by . This book was released on 2014 with total page 62 pages. Available in PDF, EPUB and Kindle. Book excerpt: Banks, as the most important financial institutions, have a determinant role in circulating currency and wealth of the society and enjoy a special position in financial system. Therefore, the desired and effective performance of banks can create important effects on the development of different economic sectors and increase in the quantitative levels of the output. This study attempts to examine the effect of risk management in banking industry using panel of data related to rural bank in Ghana during the years 2012 to 2013. In the estimated research model. The results of research show that the variables of bank's size, bank's asset, gross domestic product and inflation will cause to improve the performance of banks while credit risk and liquidity risk will cause to weaken the performance of bank.