Educational Journey
Stockholm University
PhD Student (REMATH Project) in Department of Teaching and Learning, Mathematics Education Unit • Department of Teaching and Learning, Mathematics Education Unit
University of Cape Coast
Master of Philosophy (Mathematics Education) in Mathematics and ICT Education • Mathematics and ICT Education
2018Experience
PhD Student (REMATH Project)
2022 - Present • Department of Teaching and Learning, Mathematics Education UnitUniversity of Cape Coast
Tutor
2006 - 2021 • Mathematics and ICT EducationEkumfi T.I. Ahmadiyya Senior High School
MATHEMATICS (ELECTIVE & CORE) TUTOR & ICT COORDINATOR
2012 - 2022 • MATHEMATICS & ICTEditors Role
Reviewer
GJCST
2018 - PresentReviewer
GJCST
2024 - PresentGrants and Awards
ReMath - Researching Practice-Based Mathematics Teacher Education
Swedish Research Council
Research
The Causes of Default Loans Risk in Microfinance Institutions in Ghana: Case Study of Some Selected Microfinance Institutions in Kumasi and Accra
Purpose: The purpose of the study was to investigate how non - performing loans affect the operating profits, and interest income of microfinance institutions. Design/Methodology/Approach: The research concentrated in some selected microfinance institutions within the Kumasi and Accra metropolis where majority is located. The study focused on 6 microfinance institutions in Kumasi and Accra. A total of 140 respondents were administered questionnaires and interviewed out of the total population. These include 20 loan officers, 10 recovery and risk management officers, 10 managers and 100 clients were chosen for the study. The study used purposive sampling and simple random techniques. Primary and secondary data were used for the study. Findings: The study identified the manufacturing sectors have the highest incidence of NPLs. The study discovered a connection between delinquent of recovery and unpaid loans and profitability of the microfinance institutions. A unit change in problem of recovery and outstanding of loans will lead to changes in profitability by 0.685. It was established from the findings of the study that between 2009 and 2014, these selected Microfinance companies recorded 3.60% as the uppermost non-performing loans in 2014 and with the second highest of 2.82% recorded in 2013. The lowest nonperforming loans ratio was recorded in 2009 representing 1.36%. The study also discovered that there is a constant rise in interest income from the loan portfolio from 2009 to 2014. The study further indicated that operating profit was affected as the provision of loans impairment increase. Research Limitations/Implications: In common with others, the study is limited to microfinance in Kumasi and Accra cities of Ghana. The results may differ if replicated in other geographies. Practical Implications: A number of significant implications are drawn from this study, for example, the study will help the managers in microfinance institutions to develop strategies to co
Development of Financial Performance Assessment Indices for Bank Performance Rating in Ghana
Financial ratio analysis has been the ultimate tool for assessing the financial performance of organizations. However, given the increasing complexities in business operations in recent times, there is increasing shift to alternative methods that takes a multi-dimensional approach and combine several indicators to assess the financial performance of an organization. This study, therefore, aims at establishing Financial Performance Assessment Indices for evaluating banks performance in Ghana. Secondary data which spans over a 5-year period, covering 14 financial ratios on 24 registered banks in Ghana, was extracted from the annual Ghana Banking Survey reports. Analysing the data using descriptive statistics, ANOVA, and Principal Component Analysis technique, the study confirmed the existence of correlation among sets of financial ratios. The study also identified four basic Financial Performance Assessment Indices; Share of Industry Asset Index, Bank Profitability Index, Return on Bank Loan Index, and Liquidity Index. Among these indices, the Share of Industry Asset index and the Bank Profitability index constitute the most important for assessing the financial performance of banking institutions in Ghana. revealed that, banks with outstanding performance were SCB, TTB, and Barclays bank while ADB and GCB recorded the least financial performance. The indices can assist any organizations, investors, and individuals to undertake overall financial performance assessment and ranking of the banking institutions in Ghana.
