http://41.74.91.244:8080/handle/123456789/764 2026-04-19T19:40:17Z 2026-04-19T19:40:17Z Arhinful, J. http://41.74.91.244:8080/handle/123456789/5170 2026-03-30T10:12:32Z 2025-05-01T00:00:00Z

Nexus among value co-creation, customer satisfaction, trust, and customer loyalty- A case of Telecommunication customers in the Greater Accra Region of Ghana Arhinful, J. The study examines the interconnected relationships among value co-creation, customer satisfaction, trust, and customer loyalty in the telecommunications sector in Greater Accra- Ghana. Greater Accra is located in the southeastern part of Ghana, along the Gulf of Guinea.The quantitative research approach of the study affords the gathering of data from a sample of 384 active telecom users in the area. The analysis was conducted using the Partial Least Squares Structural Equation Modeling (PLS-SEM) technique for the assessment of the direct associations and the influence of moderation and mediation of customer satisfaction on the various relationships. The results reveal that value co-creation sustains customer satisfaction, trust, and customer loyalty. Consequently, customer satisfaction serves as an important mediator between value cocreation and trust and loyalty. However, surprisingly, customer satisfaction negatively moderates the relationship between value co-creation and trust as well as loyalty. The results imply that telecom providers such as MTN, Telecel, and AirtelTigo should focus on customer involvement in all service design and innovation activities to nurture longterm relationships and loyalty. A thesis in the Department of Economics Education Faculty of Social Sciences, submitted to the school of Graduate Studies in partial fulfillment of the requirements for the award of Master of Philosophy (Economics) in the University of Education, Winneba MAY, 2025

2025-05-01T00:00:00Z Nsiah, B.A http://41.74.91.244:8080/handle/123456789/5114 2026-03-18T14:49:51Z 2025-05-01T00:00:00Z

Effects of remittances and democracy on income inequality in Sub-Saharan Africa. Nsiah, B.A Income inequality remains persistently high in Sub-Saharan Africa, despite substantial remittance inflows and the widespread adoption of democratic governance. Therefore, this study Seek to investigate the effect of remittances and democracy on income inequality in Sub-Saharan Africa (SSA), using panel data from 35 countries covering the years 2000 to 2022. Employing the Two-Step System GMM estimator and the Driscoll-Kraay method, the research addresses endogeneity and cross-sectional dependence. The analysis focuses on the individual and combined effects of remittances and democracy on income distribution, using the Palma index as the primary inequality measure, with Gini, Theil, and Atkinson indices as robustness checks. The findings reveal that remittances significantly reduce income inequality, and that their effect is amplified in countries with stronger democratic institutions. Political rights and civil liberties are found to be associated with more equitable income distribution. The study further shows that while GDP per capita is linked to lower income inequality, industrialization and education tend to widen the income gap. The conclusion emphasizes that the income inequality-reducing potential of remittances depends on the quality of democratic governance. It recommends policies that promote financial inclusion, institutional reform, and regional coordination to maximize the developmental impact of remittance flows. A thesis in the Department of Economics Education, Faculty of Social Science Education, submitted to the School of Graduate Studies, in partial fulfilment of the requirement for award of Master of Philosophy (Economics) University of Education, Winneba MAY, 2025

2025-05-01T00:00:00Z Andoh, B.A. http://41.74.91.244:8080/handle/123456789/5110 2026-03-18T14:34:30Z 2025-05-01T00:00:00Z

Effects of digital technology on fiscal deficit in Ghana Andoh, B.A. This study investigates the relationship between digital technology adoption and fiscal deficit in Ghana from 2003 to 2021. Employing time series data analysis, the study utilizes the Structural Vector Autoregressive Regression (SVAR) approach to estimate the long-run and short-run dynamics between digital technology variables and fiscal deficit. Unit root tests, such as the Zivot–Andrew and Phillips-Perron (PP) tests, were conducted to ensure the stationarity of the variables. The findings suggest a significant relationship between digital technology adoption and fiscal deficit in both the short run and long run. Specifically, an increase in digital technology adoption, as indicated by metrices such as internet penetration rates and e-government initiatives, is associated with a reduction in fiscal deficit. This underscores the potential of digital governance strategies to enhance government efficiency, transparency, and revenue generation in Ghana. Based on the analysis, the study concludes that leveraging digital technology can be an effective means of addressing fiscal deficit challenges in Ghana. Policy recommendations include the continued investment in digital infrastructure, the expansion of e-government services, and the promotion of digital literacy and inclusion initiatives. These measures can contribute to improved fiscal management, enhanced public service delivery, and sustainable economic development in Ghana. A thesis in the Department of Economics Education Faculty of Social Sciences, submitted to the School of Graduate Studies in partial fulfillment of the requirements for the award of the degree of Master of Philosophy (Economics) in the University of Education, Winneba MAY, 2025

2025-05-01T00:00:00Z Afoakwa, R.K http://41.74.91.244:8080/handle/123456789/5034 2026-03-09T14:18:10Z 2025-09-01T00:00:00Z

Financial inclusion and economic growth in SSA-Assessing the role of digital technology Afoakwa, R.K This study assesses how financial inclusion and digital financial services (DFS) jointly influence economic growth in Sub-Saharan Africa (SSA), with particular attention to whether and how DFS moderates the growth impact of financial inclusion. Using panel data for 27 SSA countries over 2010–2024, the research constructs composite indices for financial inclusion and DFS via Principal Component Analysis (PCA) and applies the two-step System Generalized Method of Moments (SGMM) to address dynamic relationships, endogeneity, and country heterogeneity. The theoretical foundation integrates the Technology Acceptance Model, Diffusion of Innovation, Financial Intermediation Theory, and Endogenous Growth Theory to link user adoption, technological diffusion, intermediation efficiency, and long-run growth. Empirical results show that both financial inclusion and DFS exert statistically significant positive effects on GDP per capita growth. Importantly, DFS strengthens (positively moderates) the relationship between financial inclusion and economic growth: countries with higher levels of DFS adoption obtain larger growth dividends from improvements in financial inclusion. Robustness checks, including alternative estimators and specification tests, confirm the stability of these findings. The study concludes that policy efforts to promote inclusive growth in SSA should pursue coordinated strategies that expand formal financial access while simultaneously investing in resilient digital infrastructure, consumer digital literacy, and supportive regulation for fintech. Targeted measures such as extending digital payment networks to underserved areas, promoting interoperable systems, and integrating DFS into national financial inclusion strategies can maximize the developmental benefits of financial inclusion in the digital era. A thesis in the Department of Economics Education, Faculty of Social Sciences Education, submitted to the School of Graduate Studies in partial fulfillment of the requirements for the award of the degree of Master of Science (Economics) in the University of Education, Winneba September, 2025 University of Education,Winneba http://ir.uew.edu.gh

2025-09-01T00:00:00Z