UDSspace Collection:

THE EFFECT OF FINANCIAL DEVELOPMENT AND LEGAL INSTITUTIONS ON FINANCIAL INCLUSION IN SUB-SAHARAN AFRICA

2026-06-23T12:38:01Z

Title: THE EFFECT OF FINANCIAL DEVELOPMENT AND LEGAL INSTITUTIONS ON FINANCIAL INCLUSION IN SUB-SAHARAN AFRICA Authors: Abdulai, M. G.; Issahaku, H. Abstract: Purpose of the study: This study examines the impact of financial development on financial inclusion and the moderating role of legal institutions in enhancing the effect of financial development on financial inclusion in sub-Sahara Africa. The previous literature does not explain how financial development could improve financial inclusion even though the systems theory of financial inclusion argues so. Design/methodology/approach: Using data from WDI for 41 sub-Sahara Africa countries between, 2000–2020, a two-step system GMM and quantile regression models are used to estimate the objectives of the study. The study takes into consideration the exceptional impact of COVID-19 and the importance of internet usage, along with other macroeconomic factors. Findings: The sys-GMM shows that financial development positively influences financial inclusion. Across diverse measures of financial development and estimation techniques, a consistent and significant positive relationship is observed. Furthermore, the quantile regression approach reveals that at the 25th,50th, and 75th quantile of financial inclusion, the effect of financial development is positive. In both the sys-GMM and quantile regression, the effect of institutions on financial inclusion is positive and also positively moderate the association between financial development and inclusion. Financial is influenced by other key macroeconomic variables. Recommendations/value: The study recommends that Governments and policymakers prioritize initiatives aimed at advancing financial development in sub-Saharan Africa. Additionally, enhancing the legal and regulatory environment governing financial services, encompassing aspects such as contract enforcement, property rights protection, and corruption reduction, is crucial for sustained financial inclusion. Implications: Open innovation in the financial sector, particularly in mobile payments, can benefit from the positive impact of financial development on inclusion. Also, open innovation in delivery services can benefit from financial inclusion initiatives, ensuring that individuals and businesses across diverse economic strata have access to efficient and affordable financial delivery services.

ASSESSING THE IMPACT OF MICROFINANCE SCHEMES TO MEET THE CHALLENGING NEEDS OF WOMEN IN HUMAN RESOURCE DEVELOPMENT: SAGNARIGU MUNICIPALITY AS A CASE STUDY

2026-06-23T12:23:26Z

Title: ASSESSING THE IMPACT OF MICROFINANCE SCHEMES TO MEET THE CHALLENGING NEEDS OF WOMEN IN HUMAN RESOURCE DEVELOPMENT: SAGNARIGU MUNICIPALITY AS A CASE STUDY Authors: Bawah, M.; Abubakari Sadiq, M.; Antwi, J. Abstract: The role of microfinance institutions in the economy cannot be over emphasized. It cannot be disputed that microfinance institutions give the needed support to increase productivity among the targeted groups. This research work is aimed at assessing the impact of microfinance schemes to meet the challenging needs of women in human resource development in the Sagnarigu Municipality. The study adopted a descriptive cross-sectional survey for this purpose and both simple random method (lottery or chance method) and purposive sample technique were used to achieve representativeness. Data sources in this study include primary and secondary data, and, questionnaire and interview guide were used to collect data from 55 respondents. The findings indicate that microfinance assists very poor families and communities with basic needs and protect households, communities and most especially women against risk and decision making. The study recommended that; the processing of the microfinance loans should be timely to enable women utilize the facility when it is most needed.

ETHICAL LEADERSHIP AND EMPLOYEE CREATIVITY AMONG ENGINEERING EMPLOYEES: EVIDENCE FROM A DEVELOPING ECONOMY

2026-06-23T11:55:25Z

Title: ETHICAL LEADERSHIP AND EMPLOYEE CREATIVITY AMONG ENGINEERING EMPLOYEES: EVIDENCE FROM A DEVELOPING ECONOMY Authors: Tetteh, S.; Mensah, R. D.; Opata, C. N.; Mensah, C. N. Abstract: Purpose– Based on the trait activation theory, the current study systematically integrates how autonomy interacts with proactivity to influence the relationship between ethical leadership style and employee creativity. Design/methodology/approach– Using simple random sampling and questionnaires, a sample of 475 engineering employees of 3 leading telecommunication companies in Ghana were obtained. The analysis was done using structured equation modeling (SEM), using Smart PLS. Findings– The results showed that ethical leadership style provides employees with job autonomy which facilitates individual creativity. Employee proactivity also moderates a positive relationship between autonomy and creativity such that high-proactive employees are well placed to produce more creative outcomes when given autonomy. At the individual level, personal characteristics determine the degree of creativity. Practical implications– The current study implies that telecommunication companies should put in more efforts to train and encourage leaders to be ethical in leaders’ dealings with employees and employees must be rewarded for taking initiative. Originality/value– With a focus on the integrative approach from a developing economy, this work is novel in exploring how contextual and personal features impact creativity.

INVESTIGATING THE INFLUENCE OF EMPLOYEE VOICE ON PUBLIC SECTOR PERFORMANCE: THE MEDIATING DYNAMICS OF ORGANIZATIONAL TRUST AND CULTURE

2026-06-01T10:30:53Z

Title: INVESTIGATING THE INFLUENCE OF EMPLOYEE VOICE ON PUBLIC SECTOR PERFORMANCE: THE MEDIATING DYNAMICS OF ORGANIZATIONAL TRUST AND CULTURE Authors: Iddrisu, I.; Mohammed, B. Abstract: This study uses the Social Exchange Theory (SET) to examine the mediating influence that organizational trust and culture have on the link between employee voice and public sector performance. Partial Least Squares Structural Equation Modelling (PLS-SEM) was used to analyse data on 503 public sector employees. The study findings indicates that employee voice greatly improves organizational trust (β = 0.914, p < 0.001) and culture (β = 0.893, p < 0.001), which in turn have a favourable effect on performance in the public sector (β = 0.395, p < 0.002, respectively). It has shown that in this connection, trust is a strong mediator (β = 0.361, p < 0.001) than culture (β = 0.119, p < 0.001). The findings highlight how crucial it is to support employee voice and trust in order to enhance performance outcomes in the public sector. These revelations have important ramifications for managers in the public sector who want to improve organizational dynamics and staff engagement tactics in order to increase productivity and effectiveness