The Determinant of Bank Interest Rates Spreads in Ghana
Ransford Quarmyne Churchill,
Collins Owusu Kwaning,
Owusu Ababio
Issue:
Volume 2, Issue 4, August 2014
Pages:
49-57
Received:
20 July 2014
Accepted:
29 July 2014
Published:
10 August 2014
Abstract: In Ghana, there is a widespread perception that interest rate spread is too wide. Banks, on the other hand, had justified the wide interest rate spread on the basis of some economic variables that affect the banks. The purpose of this paper is to examine the determinants of the bank interest margin in Ghana. This paper therefore examines the determinants of banking sector interest rate spreads in Ghana. Based on the availability of data, the paper focused on some banking industry-specific and macroeconomic determinants of (IR) spread. This study used exploratory and explanatory approaches. The exploratory methodology was used to identify the factors affecting determination of interest rate spreads and an explanatory approach was employed to establish how the factors affect the determination of interest spread in Ghana. The study found that factors affecting the determination of interest rate spread in Ghana are GDP, Exchange Rate, Prime Rate, Treasury Bill Rate, Liquidity, Overhead Costs, Loan Loss Provisioning and Profit Margin.
Abstract: In Ghana, there is a widespread perception that interest rate spread is too wide. Banks, on the other hand, had justified the wide interest rate spread on the basis of some economic variables that affect the banks. The purpose of this paper is to examine the determinants of the bank interest margin in Ghana. This paper therefore examines the determ...
Show More
Can Creativity Make a Difference? Leveraging the Creative Work Environment to Impact Performance in Annual Revenues of Architectural Firms
Katharine E. Leigh,
Kenneth R. Tremblay,
Jr.,
Amy M. Huber
Issue:
Volume 2, Issue 4, August 2014
Pages:
58-68
Received:
20 July 2014
Accepted:
5 August 2014
Published:
20 August 2014
Abstract: Creativity remains an elusive, intangible contributor to workplace performance despite emphases from psychoeconomic approaches. Few empirical studies investigate creativity’s influence on organizational performance in a manner applied to practice or have differentiated creative versus non-creative domains. It has also been proposed that organizations have yet to establish management frameworks maximizing their creative capital. This study examines responses to an e-survey from staff of five top ranked U.S. architectural practices (N = 90). Study findings identify potential differences between creative versus non-creative domains, factors impacting creativity in the workplace, and the relationship between organizational creativity and annual revenues.
Abstract: Creativity remains an elusive, intangible contributor to workplace performance despite emphases from psychoeconomic approaches. Few empirical studies investigate creativity’s influence on organizational performance in a manner applied to practice or have differentiated creative versus non-creative domains. It has also been proposed that organizatio...
Show More
