Assessment of Customer Expectation and Perception of Service Quality Delivery in Ghana Commercial Bank

The study is to determine customers\u27 expectations and perception of quality of servicedelivery of Ghana Commercial Banks Limited. The study also aims at determining thegap between customers\u27 expectation and perception of service quality delivery(customer satisfaction /dissatisfaction) of the banks. To achieve the main aim of thestudy, the following specific objectives have been set out; determine customers\u27expectations of the quality of service delivery of GCB, measure customers\u27 perceptionof the quality of service delivery of GCB, determine the gap (customer satisfaction ordissatisfaction) between customers\u27 perception and expectation of service qualitydelivery of the bank

Drug resistance outcomes of long-term ART with tenofovir disoproxil fumarate in the absence of virological monitoring

Objectives: The resistance profiles of patients receiving long-term ART in sub-Saharan Africa have been poorly described. This study obtained a sensitive assessment of the resistance patterns associated with long-term tenofovir-based ART in a programmatic setting where virological monitoring is yet to become part of routine care. Methods: We studied subjects who, after a median of 4.2 years of ART, replaced zidovudine or stavudine with tenofovir disoproxil fumarate while continuing lamivudine and an NNRTI. Using deep sequencing, resistance-associated mutations (RAMs) were detected in stored samples collected at tenofovir introduction (T0) and after a median of 4.0 years (T1). Results: At T0, 19/87 (21.8%) subjects showed a detectable viral load and 8/87 (9.2%) had one or more major NNRTI RAMs, whereas 82/87 (94.3%) retained full tenofovir susceptibility. At T1, 79/87 (90.8%) subjects remained on NNRTI-based ART, 5/87 (5.7%) had introduced lopinavir/ritonavir due to immunological failure, and 3/87 (3.4%) had interrupted ART. Whilst 68/87 (78.2%) subjects maintained or achieved virological suppression between T0 and T1, a detectable viral load with NNRTI RAMs at T0 predicted lack of virological suppression at T1. Each treatment interruption, usually reflecting unavailability of the dispensary, doubled the risk of T1 viraemia. Tenofovir, lamivudine and efavirenz selected for K65R, K70E/T, L74I/V and Y115F, alongside M184V and multiple NNRTI RAMs; this resistance profile was accompanied by high viral loads and low CD4 cell counts. Conclusions: Viraemia on tenofovir, lamivudine and efavirenz led to complex resistance patterns with implications for continued drug activity and risk of onward transmission

Corporate governance and corporate failure: evidence from listed UK firms

This study is motivated by the numerous reforms to strengthen the efficacy of corporate boards and their oversight committees, in the wake of high profile corporate failures. The empirical question, however, is whether recent proposals would enhance board and their committee effectiveness and in this way, reduce the likelihood of firm`s failure. This study examines whether the composition, structure and functions of corporate boards and their interactions are related to the probability of corporate failure. Prior studies employ agency and resource dependency theories in isolation as theoretical lenses. This study, however, employs these aforementioned theories as theoretical lenses and argues that the board control and resource function affects the relationship between corporate board attributes and corporate failure. This study examines a sample of 358 UK listed firms, consisting of 95 failed firms and 263 non-failed firms during the period 1999-2011. This study also uses a unique hand-collected data set that measures the corporate governance attributes and functions of these 358 firms over a period of five years preceding failure or otherwise, resulting in 1748 firm-years observations. This study reveals that the probability of failure is lower in firms with large board size, former government officials, independent remuneration committee chairman and greater proportion of outside directors as well as effective audit and remuneration committees. This study also finds that the prospect of corporate failure is higher in firms with less than three independent NEDs on both the audit and nomination committees, without audit committee and where audit committee has no one with financial expertise. The results, however, suggest that the possibility of corporate failure is higher in firms whose boards have a female director and where the nomination committee meets often or where its membership is exclusively preserved for independent NEDs. On the interaction effects, the results show that frequency of board meetings as well as its interactions with presence of female directors, audit and remuneration committees effectiveness are positively related to the probability of corporate failure. The results also indicate that a number of interactions between corporate board attributes and functions are unrelated to the likelihood of corporate failure. These include the interactions between board composition measures (i.e. proportion of outside directors, presence of female directors and board size) and the board resource proxy (i.e. former government official). These associations, especially remuneration committee effectiveness, remuneration committee chairman independence, firm size and profitability, are not only statistically and economically significant but also robust to different specifications. Further, the Receiver Operating Curves indicate that the impact of corporate governance measures after controlling for firm size, liquidity, profitability, age, industry effects, and leverage is more profound in two years preceding failure. The implication of this is that corporate governance mechanisms alone are insufficient to rescue the firm on the verge of collapse. The findings are consistent with the idea that failing firms decline in size, managerial performance, corporate board attributes as well as their board`s ability to discharge it`s monitoring and resource roles. This study adds to the debate on the impact of corporate governance on corporate failure by developing, analysing and testing a robust UK corporate failure prediction model which is underpinned by a multi-theoretical framework: agency and resource dependency theories. This study also offers several recommendations for policy makers and firm-level corporate governance strategies in the mix of the numerous corporate governance reforms worldwide, this in particular makes this study unique

Why Global Inequality Matters: Derivative Global Egalitarianism

This article integrates empirical and normative discussions about why global economic inequalities matter in critically examining an approach known as derivative global egalitarianism (DGE). DGE is a burgeoning perspective that opposes excessive global economic inequality not based on the intrinsic value of equality but inequality\u27s negative repercussions on other values. The article aims to advance the research agenda by identifying and critically evaluating four primary varieties of DGE arguments from related but distinct literatures, which span a number of disciplines, including economics, international relations, and political philosophy. Overall, DGE offers a number of persuasive arguments as to why current levels of global inequality are of concern, but aspects of DGE beg further philosophical and empirical examination. By situating DGE within the wider theoretical and empirical contexts, this article provides resources for its critical assessment and theoretical development

Sex differences in perceived risk and testing experience of HIV in an urban fishing setting in Ghana

The concept of neighborhood remains important in criminology but there is an increasing academic interest in the potential impact of the Modifiable Areal Unit Problem (MAUP) on neighborhood based studies. In the present study data over arson from the Swedish rescue services 2007-2012 have been employed to analyze MAUP in the city of Malmö, Sweden. The city has been divided into 50*50 meter pixels as micro-places (n=64540) which have been assigned a value for arson from frequency of arson within the pixel. The analysis is based on a comparison of two types of administrative geographical units alongside 40 randomly generated sets of thiessen polygon geographical units. Empty two-level hierarchical regression models with the micro-places as level 1 unit have been used to calculate Intra-Class Correlations (ICC) separately with each of the 42 different geographical units of analysis as level 2 units. The analysis is repeated with two alternative methods, kernel density and euclidian distance, to calculate a value for each micro-place. Results show that administrative geographical units of analysis in some cases just are marginally better than geographical units with random boundaries if the basic urban structure is taken into account

Humanity or justice?

This paper reflects on a critique of cosmopolitanism mounted by Tom Campbell, who argues that cosmopolitans place undue stress on the issue of global justice. Campbell argues that aid for the impoverished needy in the third world, for example, should be given on the Principle of Humanity rather than on the Principle of Justice. This line of thought is also pursued by ‘Liberal Nationalists’ like Yael Tamir and David Miller. Thomas Nagel makes a similar distinction and questions whether the ideal of justice can even be meaningfully applied on a global scale. The paper explores whether the distinction between the Principle of Humanity and the Principle of Justice might be a false dichotomy in that both principles could be involved in humanitarian assistance. It will suggest that both principles might be grounded in an ethics of caring and that the ethics of caring cannot be so sharply distinguished from the discourse of justice and of rights. As a result, the Principle of Humanity and the Principle of Justice cannot be so sharply distinguished either. It is because we care about others as human beings (Principle of Humanity) that we pursue justice for them (Principle of Justice) and the alleviation of their avoidable suffering

Theoretical and practical motives for participation obstacles in resettlement programs: Review from the mining perspective

Studies on the rationale for effective involvement of affected population in resettlement programs have increased significantly in recent years. Yet, practical aspects of handling participation challenges remain under researched. This paper assesses the effectiveness of livelihood-promoting interventions in mining-induced resettlement programs using case evidences from the literature. The paper first reviews the historical background of the concept and other ideas that have come to brand the practice over time. It further justifies the discussion in the context of the mining industry. Thirdly, the paper adopts the concept of territorial governance to provide a theoretical base for the focus of the paper. After the theoretical justification, the paper reviews case evidences in context of engagement prospects and challenges in resettlement programs. Finally, the paper makes suggestions that have policy implications to help better the current resettlement practices.The paper observes that until participation challenges are overcome by resettlement practitioners, mining-induced displacement and resettlement (MIDR) programs cannot revitalise the livelihoods of the affected population as envisioned in resettlement guidelines

Theoretical and Practical Motives for Participation Obstacles in Resettlement Programs. Review from the Mining Perspective

Studies on the rationale for effective involvement of affected population in resettlement programs have increased significantly in recent years. Yet, practical aspects of handling participation challenges remain under researched. This paper assesses the effectiveness of livelihood-promoting interventions in mining-induced resettlement programs using case evidences from the literature. The paper first reviews the historical background of the concept and other ideas that have come to brand the practice over time. It further justifies the discussion in the context of the mining industry. Thirdly, the paper adopts the concept of territorial governance to provide a theoretical base for the focus of the paper. After the theoretical justification, the paper reviews case evidences in context of engagement prospects and challenges in resettlement programs. Finally, the paper makes suggestions that have policy implications to help better the current resettlement practices.The paper observes that until participation challenges are overcome by resettlement practitioners,mining-induced displacement and resettlement (MIDR) programs cannot revitalise the livelihoods of the affected population as envisioned in resettlement guidelines. JEL Classification: M14, H7, D21, Keywords: Resettlement Programs, Mining Induced Displacement and Resettlement, Stakeholder Participation, participation challenge

Prevalence of positive mental health and functioning among adults with sickle cell disease in Ghana

Objectives: With increasing survival rates of children with sickle cell disease (SCD) reaching adulthood, there has been a growing interest in the quality of life and mental health functioning of affected individuals. Positive mental health is recognised as a significant dimension of human health that plays an important role in advancing well-being. This study explored the prevalence of positive mental health and functioning among a sample of Ghanaian adults with SCD. Methods: A quantitative cross-sectional survey design was implemented for data-gathering. A random sample of 62 adult SCD patients (21 to 56 years; mean age of 29 years) receiving treatment at the Sickle Cell Clinic of the Ghana Institute of Clinical Genetics at the Korle-Bu Teaching Hospital completed the Mental Health Continuum–Short Form (MHC-SF). Descriptive statistics and reliability indices were estimated for the MHC-SF. We implemented Keyes’s criteria for the assessment and categorisation of levels of mental health to determine the prevalence of positive mental health and functioning. Results: We found a high level of positive mental health (66% flourishing; 26% moderately mentally healthy; 8% languishing) and functioning, with no significant difference between the genders. A total of 34% of the participants were functioning at suboptimal levels and were at risk of psychopathology. Conclusion: This study gives the first overview of the prevalence of positive mental health and functioning in a clinical population in Ghana. Although the majority of participants were flourishing, contextually appropriate positive psychological interventions are needed to promote the mental health of SCD patients who are functioning at suboptimal levels, which would, inherently, also buffer against psychopathology

Small-Scale Wars in the Northern Parts of Ghana: A Case Study of the Forced Migration during 1994 Nanumba-Konkomba Wars and its Effects on Women

This study is a part of an on-going research project on violence against women in Ghana. It is based on the Ghanaian newspapers’ coverage of the 1994 Nanumba-Konkomba ethnic conflict and small war in the Northern Region of Ghana. Additionally, the study benefits from oral history collected from female victims of the war. Framed as a case study and defined by the 1994 Nanumba-Konkomba ethnic clash, the most violent and tragic to date, the study illustrates that the intermittent ethnic conflicts, their consequent wars, and forced migrations adversely impact women in the region the most. Overall, the principal subject matter of the study, which is the adverse effects of the ethnic wars on women, fills a major gap in the emerging historiography on ethnic conflicts in northern Ghana and contributes to our understanding of gender and wars in postcolonial Africa as a whole